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    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
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    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
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   "value": "1098000000.0",
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    "concept": "ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax",
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   "value": "<div class=\"ps1953 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:124.5pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:27.75pt\"></td><td style=\"padding:0;width:27.75pt\"></td><td style=\"padding:0;width:27.75pt\"></td><td style=\"padding:0;width:27.75pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss46\"><div><div class=\"ps1811 ss45\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1813 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-ca7bbde0 ps1812\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-ca7bbde0 ps1814\">31.3.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1817 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-1dbd4d87 ps1816\">30.6.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-1dbd4d87 ps1816\">30.9.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1820 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-1dbd4d87 ps1819\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1824 ss50\"><div><div class=\"ps1822 ss49\"><span class=\"f charStyle-1dbd4d87 ps1821\">Ver\u00e4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps1811 ss49\"><span class=\"f charStyle-1dbd4d87 ps1823\">Jahresende</span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1826 ss50\"><div><div class=\"ps1822 ss49\"><span class=\"f charStyle-1dbd4d87 ps1821\">Ver\u00e4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps1811 ss49\"><span class=\"f charStyle-1dbd4d87 ps1825\">Vorquartal</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1827 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1829 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1828\">18.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1831 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1830\">13.474<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1833 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1832\">13.568<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1834 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1454\">15.809<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1836 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1835\">12.682<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1838 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1837\">-5.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1840 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1839\"></span><span class=\"ps1839\">-29,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1842 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1841\">-3.127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1844 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1843\"></span><span class=\"ps1843\">-19,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1845 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1847 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1846\">99.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1849 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1848\">100.979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1851 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1850\">102.202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1853 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1852\">103.027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1855 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1854\">105.610<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1857 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1856\">6.059<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1859 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1858\"></span><span class=\"ps1858\">6,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1861 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1860\">2.583<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1863 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1865 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1867 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1866\">45.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1869 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1868\">45.727<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1871 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1870\">45.777<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1873 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1872\">46.018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1875 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1874\">47.597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1877 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1876\">2.304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1879 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1878\"></span><span class=\"ps1878\">5,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1881 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1880\">1.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1883 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1882\"></span><span class=\"ps1882\">3,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1886 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1885\">40.070<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1887 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1557\">40.829<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1889 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1888\">41.794<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1891 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1890\">42.859<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1893 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1892\">44.118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1894 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps568\">4.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1896 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1895\"></span><span class=\"ps1895\">10,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1898 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1897\">1.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1900 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1899\"></span><span class=\"ps1899\">2,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1903 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1902\">37.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1905 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1904\">41.123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1906 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1888\">43.218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1908 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1907\">45.740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1910 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1909\">46.879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1912 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1911\">9.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1914 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1913\"></span><span class=\"ps1913\">25,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1916 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1915\">1.139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1917 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps30\">Barbest\u00e4nde und \u00fcbrige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1919 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1874\">44.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1921 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1920\">49.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1922 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1543\">44.520<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1924 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1923\">44.534<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1926 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1925\">45.094<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1928 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1927\">280<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1930 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1929\"></span><span class=\"ps1929\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1931 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1184\">560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1933 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1932\"></span><span class=\"ps1932\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1934 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1936 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1935\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1938 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1937\">204.794<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1940 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1939\">203.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1942 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1941\">209.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1944 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1943\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1946 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-1dbd4d87 ps1945\">10.414<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1948 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1947\"></span><span class=\"ps1947\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1950 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-1dbd4d87 ps1949\">1.155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1952 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1951\"></span><span class=\"ps1951\">0,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps1954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Forderungen an Kreditinstitute sanken vor allem durch einen R\u00fcckgang um \u20ac 6.009 Millionen in Russland, wo es zu einer </span></div><div class=\"ps1955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umschichtung kurzfristiger Veranlagungen in t\u00e4glich f\u00e4llige Einlagen bei der russischen Zentralbank kam. Im Gegensatz dazu </span></div><div class=\"ps1956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gab es in Tschechien einen Anstieg um \u20ac 434 Millionen, getrieben durch h\u00f6here Volumina im Repo-Gesch\u00e4ft mit der </span></div><div class=\"ps1957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zentralbank.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-10": {
   "value": "<div class=\"ps1953 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:124.5pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:27.75pt\"></td><td style=\"padding:0;width:27.75pt\"></td><td style=\"padding:0;width:27.75pt\"></td><td style=\"padding:0;width:27.75pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss46\"><div><div class=\"ps1811 ss45\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1813 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-ca7bbde0 ps1812\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-ca7bbde0 ps1814\">31.3.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1817 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-1dbd4d87 ps1816\">30.6.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-1dbd4d87 ps1816\">30.9.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1820 ss48\"><div><div class=\"ps1811 ss47\"><span class=\"f charStyle-1dbd4d87 ps1819\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1824 ss50\"><div><div class=\"ps1822 ss49\"><span class=\"f charStyle-1dbd4d87 ps1821\">Ver\u00e4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps1811 ss49\"><span class=\"f charStyle-1dbd4d87 ps1823\">Jahresende</span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1826 ss50\"><div><div class=\"ps1822 ss49\"><span class=\"f charStyle-1dbd4d87 ps1821\">Ver\u00e4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps1811 ss49\"><span class=\"f charStyle-1dbd4d87 ps1825\">Vorquartal</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1827 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1829 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1828\">18.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1831 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1830\">13.474<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1833 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1832\">13.568<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1834 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1454\">15.809<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1836 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1835\">12.682<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1838 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1837\">-5.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1840 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1839\"></span><span class=\"ps1839\">-29,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1842 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1841\">-3.127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1844 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1843\"></span><span class=\"ps1843\">-19,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1845 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1847 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1846\">99.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1849 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1848\">100.979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1851 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1850\">102.202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1853 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1852\">103.027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1855 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1854\">105.610<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1857 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1856\">6.059<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1859 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1858\"></span><span class=\"ps1858\">6,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1861 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1860\">2.583<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1863 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1865 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1867 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1866\">45.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1869 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1868\">45.727<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1871 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1870\">45.777<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1873 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1872\">46.018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1875 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1874\">47.597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1877 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1876\">2.304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1879 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1878\"></span><span class=\"ps1878\">5,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1881 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1880\">1.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1883 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1882\"></span><span class=\"ps1882\">3,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1886 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1885\">40.070<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1887 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1557\">40.829<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1889 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1888\">41.794<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1891 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1890\">42.859<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1893 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1892\">44.118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1894 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps568\">4.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1896 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1895\"></span><span class=\"ps1895\">10,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1898 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1897\">1.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1900 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1899\"></span><span class=\"ps1899\">2,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1903 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1902\">37.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1905 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1904\">41.123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1906 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1888\">43.218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1908 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1907\">45.740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1910 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1909\">46.879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1912 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1911\">9.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1914 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1913\"></span><span class=\"ps1913\">25,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1916 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1915\">1.139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1917 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-375ad3a6 ps30\">Barbest\u00e4nde und \u00fcbrige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1919 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1874\">44.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1921 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1920\">49.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1922 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1543\">44.520<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1924 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1923\">44.534<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1926 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1925\">45.094<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1928 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1927\">280<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1930 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1929\"></span><span class=\"ps1929\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1931 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6 ps1184\">560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1933 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1932\"></span><span class=\"ps1932\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1934 ss51\"><div><div class=\"ps31 ss45\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1936 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1935\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1938 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1937\">204.794<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1940 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1939\">203.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1942 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1941\">209.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1944 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1943\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1946 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-1dbd4d87 ps1945\">10.414<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1948 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1947\"></span><span class=\"ps1947\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1950 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-1dbd4d87 ps1949\">1.155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1952 ss54\"><div><div class=\"ps31 ss53\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1951\"></span><span class=\"ps1951\">0,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps1960 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Forderungen an Kunden stiegen um \u20ac </span><span class=\"f charStyle-9eccfdcb ps1958\">6.059</span><span class=\"f charStyle-9eccfdcb ps1959\"> Millionen oder 6 Prozent, wobei Haushalte mit einem Anstieg um \u20ac 4.048 </span></div><div class=\"ps1961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen am st\u00e4rksten f\u00fcr die Entwicklung verantwortlich waren. In Tschechien gab es einen Zuwachs um \u20ac 1.891 Millionen, in </span></div><div class=\"ps1962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei um \u20ac 1.701 Millionen, in Ungarn um \u20ac 842 Millionen und in Serbien um \u20ac 401 Millionen, der jeweils auf Hypothekar- </span></div>und Privatkredite an Haushalte und Kredite an Nicht-Finanzunternehmen zur\u00fcckzuf\u00fchren war.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-12": {
   "value": "<div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:37.5pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:32.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:29.25pt\"></td><td style=\"padding:0;width:29.25pt\"></td><td style=\"padding:0;width:29.25pt\"></td><td style=\"padding:0;width:29.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss56\"><div><div class=\"ps516 ss55\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1978 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-1dbd4d87 ps1977\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1980 ss60\"><div><div class=\"ps516 ss59\"><span class=\"f charStyle-1dbd4d87 ps1979\">31.3.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1982 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps1981\">30.6.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1984 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-1dbd4d87 ps1983\">30.9.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1986 ss60\"><div><div class=\"ps516 ss59\"><span class=\"f charStyle-1dbd4d87 ps1985\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1989 ss66\"><div><div class=\"ps1485 ss65\"><span class=\"f charStyle-1dbd4d87 ps1987\">Ver\u00e4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss65\"><span class=\"f charStyle-1dbd4d87 ps1988\">Jahresende</span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss66\"><div><div class=\"ps1485 ss65\"><span class=\"f charStyle-1dbd4d87 ps1987\">Ver\u00e4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss65\"><span class=\"f charStyle-1dbd4d87 ps1990\">Vorquartal</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1994 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps1993\">23.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1996 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1995\">25.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1998 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1997\">23.074<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2000 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps1999\">23.565<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2002 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2001\">20.677<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2004 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2003\">-2.339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2006 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2005\"></span><span class=\"ps2005\">-10,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2007\">-2.889<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2010 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2009\"></span><span class=\"ps2009\">-12,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2013 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps2012\">117.717<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2015 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2014\">119.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2017 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps2016\">121.440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2019 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2018\">125.284<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2021 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2020\">127.575<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2022 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps1947\">9.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2024 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2023\"></span><span class=\"ps2023\">8,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2025\">2.291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2028 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2027\"></span><span class=\"ps2027\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2031 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps2030\">43.834<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2033 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2032\">43.264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2035 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps2034\">43.290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2037 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2036\">43.141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2039 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2038\">46.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2041 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2040\">2.329<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2043 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2042\"></span><span class=\"ps2042\">5,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2044\">3.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2047 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2046\"></span><span class=\"ps2046\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2050 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps2049\">59.354<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2052 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2051\">61.202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2054 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps2053\">62.341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2056 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2055\">63.628<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2058 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2057\">65.657<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2060 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2059\">6.302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2061 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1651\"></span><span class=\"ps1651\">10,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2062\">2.029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2065 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2064\"></span><span class=\"ps2064\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und \u00fcbrige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2067 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps1484\">38.779<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2068 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1935\">37.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2069 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1127\">37.820<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2071 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2070\">38.171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2073 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2072\">39.549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2074 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps1168\">771<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2076 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2075\"></span><span class=\"ps2075\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2077\">1.379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2080 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2079\"></span><span class=\"ps2079\">3,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2082 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps2081\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2084 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2083\">21.842<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2085 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1868\">21.174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2087 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2086\">22.091<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2089 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2088\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2091 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2090\">2.124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2093 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2092\"></span><span class=\"ps2092\">10,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2094\">373<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2097 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2096\"></span><span class=\"ps2096\">1,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2099 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-1dbd4d87 ps2098\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2101 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps2100\">204.794<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2103 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps2102\">203.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2105 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-1dbd4d87 ps2104\">209.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2107 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps2106\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2108 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-1dbd4d87 ps2104\">10.414<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2110 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps2109\"></span><span class=\"ps2109\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2111 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-1dbd4d87 ps2077\">1.155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2112 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1858\"></span><span class=\"ps1858\">0,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der R\u00fcckgang von Verbindlichkeiten gegen\u00fcber Kreditinstituten um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps2114\">2.339</span><span class=\"f charStyle-9eccfdcb ps2115\"> Millionen oder </span><span class=\"f charStyle-9eccfdcb ps2116\">10<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2117\"> Prozent resultierte haupts\u00e4chlich </span></div><div class=\"ps2119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus der Konzernzentrale (R\u00fcckgang: \u20ac 3.253 Millionen), hervorgerufen durch niedrigere Einlagen von Kreditinstituten (Repo-</span></div><div class=\"ps2120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4fte, Geldmarkt-Termineinlagen). Hingegen gab es in Russland aufgrund h\u00f6herer Einlagen von Kreditinstituten einen </span></div><div class=\"ps2121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anstieg um \u20ac 514 Millionen. </span></div><div class=\"ps21584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(15) Finanzielle Verbindlichkeiten - Amortized Cost<span id=\"ic589983b8671414ca319907c79a1b2e8\"></span></span></div><div class=\"ps21585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten werden \u00fcberwiegend mit den fortgeschriebenen Anschaffungskosten angesetzt. Unterschiedsbetr\u00e4ge </span></div><div class=\"ps21586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen Auszahlungsbetrag und Nennbetrag werden effektivzinsgerecht abgegrenzt und im Zins\u00fcberschuss ausgewiesen. In </span></div><div class=\"ps21587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Kategorie werden vor allem Kundeneinlagen und Wertpapieremissionen, die der Refinanzierung dienen, ausgewiesen.</span></div><div class=\"ps21588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emittiertes Nachrangkapital und Erg\u00e4nzungskapital werden entweder in dem Posten finanzielle Verbindlichkeiten \u2013 Amortized <span class=\"f ps24\"> </span></span></div><div class=\"ps21589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cost oder finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss ausgewiesen. Verbriefte und nicht </span></div><div class=\"ps21590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbriefte Verm\u00f6genswerte sind nachrangig, wenn die Forderungen im Fall der Liquidation oder des Konkurses erst nach den </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen der anderen, nicht nachrangigen Gl\u00e4ubiger befriedigt werden k\u00f6nnen. Erg\u00e4nzungskapital ist gem\u00e4\u00df Art. 63 der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verordnung (EU) Nr 575/2013 (CRR) definiert. Entsprechende Instrumente weisen eine Ursprungslaufzeit von mindestens f\u00fcnf </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahren auf, sind nachrangiger Natur und d\u00fcrfen, unter anderem, keinen Anreiz zur vorzeitigen Tilgung enthalten, den </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inhaber:innen kein Anrecht auf eine Beschleunigung der R\u00fcckzahlung einr\u00e4umen oder Zins- bzw. Dividendenzahlungen <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inkludieren, die in ihrer H\u00f6he von der Bonit\u00e4t des Emittenten beeinflusst werden.</span></div><div class=\"ps21608 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21591\">20.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17950\">22.999<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21592\">12.668<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21593\">12.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17364\">6.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1141\">7.310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21594\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18738\">3.009<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21595\">127.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17371\">117.693<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20221\">88.481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18429\">80.467<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21596\">37.629<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21597\">35.703<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20713\">1.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21598\">1.524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20038\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20255\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Gedeckte Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21599\">6.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">514<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20838\">14.188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13931\">15.576<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon wandelbare zusammengesetzte Finanzinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21601\">2.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20130\">13.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19965\">13.215<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21602\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20215\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10096\">170.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21603\">163.316<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21604\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21605\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Leasingverbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">364<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bereich der Verbindlichkeiten gegen\u00fcber Kreditinstituten verringerten sich die Verbindlichkeiten mit vereinbarter Laufzeit </span></div><div class=\"ps21610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere in der Konzernzentrale, um \u20ac 762 Millionen. Der R\u00fcckgang in den R\u00fcckkaufvereinbarungen fand ebenfalls </span></div><div class=\"ps21611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberwiegend in der Konzernzentrale statt. Hier kam es zu einer Reduktion von \u20ac 1.609 Millionen. </span></div><div class=\"ps21612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die kurzfristigen Betr\u00e4ge/Tagesgeldeinlagen gegen\u00fcber Kunden verzeichneten in Tschechien einen erheblichen Anstieg </span></div><div class=\"ps21613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 5.020 Millionen), wobei die Zunahme bei Einlagen von Haushalten am deutlichsten ausfiel. Des Weiteren erh\u00f6hten </span></div><div class=\"ps21614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich die Verbindlichkeiten mit vereinbarter Laufzeit besonders stark in Ungarn (Anstieg: \u20ac 858 Millionen) und in der Slowakei </span></div><div class=\"ps21615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 604 Millionen). </span></div><div class=\"ps21616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gedeckten Schuldverschreibungen erh\u00f6hten sich in der Slowakei aufgrund von eigenen Emissionen um \u20ac 1.052 Millionen. Im </span></div><div class=\"ps21617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegensatz dazu verringerten sich die sonstigen verbrieften Verbindlichkeiten, insbesondere in der Konzernzentrale (R\u00fcckgang: </span></div><div class=\"ps21618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0912 Millionen) aufgrund des Auslaufens diverser Emissionen und in der Slowakei (R\u00fcckgang: \u20ac 313 Millionen) aufgrund der <span class=\"f ps24\"> </span></span></div><div class=\"ps21619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzeitigen Tilgung einer Anleihe. <span class=\"f ps24\"> </span></span></div><div class=\"ps21620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen finanziellen Verbindlichkeiten erh\u00f6hten sich aufgrund von schwebenden Verrechnungen und auszuzahlenden </span></div><div class=\"ps21621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betr\u00e4gen \u00fcberwiegend in Russland um \u20ac 310 Millionen.</span></div><div class=\"ps21622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden nach Asset-Klassen:</span></div><div class=\"ps21627 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20353\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">391<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21624\">3.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21625\">3.104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20240\">20.241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20045\">22.607<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20157\">11.978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17149\">11.403<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19187\">46.163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21626\">43.833<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17382\">65.656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps10756\">59.353<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18498\">148.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9394\">140.692<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verbindlichkeiten gegen\u00fcber Haushalten verzeichneten ihre gr\u00f6\u00dften Anstiege in Tschechien (Anstieg: \u20ac 3.708 Millionen), in </span></div><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei (Anstieg: \u20ac 739 Millionen) und in Rum\u00e4nien (Anstieg: \u20ac 598 Millionen) </span><div class=\"ps22113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span id=\"i0b418d0767b945fab2e3f8d72aebfa11\"></span></span></div><div class=\"ps22118 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18508\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22114\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22116\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-11": {
   "value": "<div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:37.5pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:32.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:29.25pt\"></td><td style=\"padding:0;width:29.25pt\"></td><td style=\"padding:0;width:29.25pt\"></td><td style=\"padding:0;width:29.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss56\"><div><div class=\"ps516 ss55\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1978 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-1dbd4d87 ps1977\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1980 ss60\"><div><div class=\"ps516 ss59\"><span class=\"f charStyle-1dbd4d87 ps1979\">31.3.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1982 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps1981\">30.6.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1984 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-1dbd4d87 ps1983\">30.9.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1986 ss60\"><div><div class=\"ps516 ss59\"><span class=\"f charStyle-1dbd4d87 ps1985\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1989 ss66\"><div><div class=\"ps1485 ss65\"><span class=\"f charStyle-1dbd4d87 ps1987\">Ver\u00e4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss65\"><span class=\"f charStyle-1dbd4d87 ps1988\">Jahresende</span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss66\"><div><div class=\"ps1485 ss65\"><span class=\"f charStyle-1dbd4d87 ps1987\">Ver\u00e4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss65\"><span class=\"f charStyle-1dbd4d87 ps1990\">Vorquartal</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1994 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps1993\">23.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1996 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1995\">25.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1998 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1997\">23.074<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2000 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps1999\">23.565<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2002 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2001\">20.677<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2004 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2003\">-2.339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2006 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2005\"></span><span class=\"ps2005\">-10,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2007\">-2.889<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2010 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2009\"></span><span class=\"ps2009\">-12,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2013 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps2012\">117.717<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2015 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2014\">119.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2017 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps2016\">121.440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2019 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2018\">125.284<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2021 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2020\">127.575<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2022 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps1947\">9.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2024 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2023\"></span><span class=\"ps2023\">8,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2025\">2.291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2028 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2027\"></span><span class=\"ps2027\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2031 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps2030\">43.834<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2033 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2032\">43.264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2035 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps2034\">43.290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2037 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2036\">43.141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2039 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2038\">46.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2041 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2040\">2.329<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2043 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2042\"></span><span class=\"ps2042\">5,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2044\">3.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2047 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2046\"></span><span class=\"ps2046\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2050 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps2049\">59.354<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2052 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2051\">61.202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2054 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps2053\">62.341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2056 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2055\">63.628<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2058 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2057\">65.657<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2060 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2059\">6.302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2061 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1651\"></span><span class=\"ps1651\">10,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2062\">2.029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2065 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2064\"></span><span class=\"ps2064\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und \u00fcbrige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2067 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps1484\">38.779<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2068 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1935\">37.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2069 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1127\">37.820<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2071 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2070\">38.171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2073 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2072\">39.549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2074 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps1168\">771<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2076 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2075\"></span><span class=\"ps2075\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2077\">1.379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2080 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2079\"></span><span class=\"ps2079\">3,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2082 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-375ad3a6 ps2081\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2084 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2083\">21.842<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2085 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1868\">21.174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2087 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-375ad3a6 ps2086\">22.091<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2089 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps2088\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2091 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2090\">2.124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2093 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2092\"></span><span class=\"ps2092\">10,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6 ps2094\">373<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2097 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2096\"></span><span class=\"ps2096\">1,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss67\"><div><div class=\"ps31 ss55\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2099 ss68\"><div><div class=\"ps31 ss57\"><span class=\"f charStyle-1dbd4d87 ps2098\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2101 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps2100\">204.794<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2103 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps2102\">203.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2105 ss71\"><div><div class=\"ps31 ss63\"><span class=\"f charStyle-1dbd4d87 ps2104\">209.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2107 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps2106\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2108 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-1dbd4d87 ps2104\">10.414<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2110 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps2109\"></span><span class=\"ps2109\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2111 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-1dbd4d87 ps2077\">1.155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2112 ss73\"><div><div class=\"ps31 ss72\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1858\"></span><span class=\"ps1858\">0,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verbindlichkeiten gegen\u00fcber Kunden stiegen um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps2122\">9.858</span><span class=\"f charStyle-9eccfdcb ps2123\"> Millionen im Vergleich zum Jahresultimo, der Anstieg bei <span class=\"f ps24\"> </span></span></div><div class=\"ps2125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Haushalten lag bei \u20ac 6.302 Millionen. In Tschechien gab es einen Zuwachs um \u20ac 4.538 Millionen, vorwiegend getrieben durch </span></div><div class=\"ps2126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kurzfristige Einlagen von Haushalten. Die Slowakei verzeichnete einen Anstieg um \u20ac 1.528 Millionen aufgrund h\u00f6herer Einlagen </span></div><div class=\"ps2127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Haushalten, Nicht-Finanzunternehmen und Regierungen. In Ungarn nahmen die Einlagen insbesondere von Nicht-</span></div><div class=\"ps2128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzunternehmen und Haushalten um \u20ac 803 Millionen zu. In Russland stiegen die Einlagen ausschlie\u00dflich w\u00e4hrungsbedingt </span></div><div class=\"ps2129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um \u20ac\u00a0786 Millionen, in lokaler W\u00e4hrung wurde ein R\u00fcckgang um 11 Prozent verzeichnet. Kroatien verzeichnete einen Anstieg um </span></div><div class=\"ps2130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 765 Millionen, hervorgerufen durch h\u00f6here Volumina von Nicht-Finanzunternehmen und Haushalten. In Rum\u00e4nien sorgten </span></div><div class=\"ps2131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausschlie\u00dflich h\u00f6here Einlagen von Haushalten f\u00fcr einen Anstieg um \u20ac 480 Millionen. Der R\u00fcckgang der Verbindlichkeiten in </span></div><div class=\"ps2132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von \u20ac\u00a0964 Millionen in der Konzernzentrale resultierte haupts\u00e4chlich aus geringeren Volumina von sonstigen </span></div><div class=\"ps2133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzunternehmen.</span></div><div class=\"ps21608 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21591\">20.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17950\">22.999<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21592\">12.668<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21593\">12.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17364\">6.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1141\">7.310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21594\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18738\">3.009<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21595\">127.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17371\">117.693<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20221\">88.481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18429\">80.467<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21596\">37.629<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21597\">35.703<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20713\">1.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21598\">1.524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20038\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20255\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Gedeckte Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21599\">6.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">514<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20838\">14.188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13931\">15.576<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon wandelbare zusammengesetzte Finanzinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21601\">2.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20130\">13.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19965\">13.215<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21602\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20215\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10096\">170.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21603\">163.316<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21604\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21605\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Leasingverbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">364<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bereich der Verbindlichkeiten gegen\u00fcber Kreditinstituten verringerten sich die Verbindlichkeiten mit vereinbarter Laufzeit </span></div><div class=\"ps21610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere in der Konzernzentrale, um \u20ac 762 Millionen. Der R\u00fcckgang in den R\u00fcckkaufvereinbarungen fand ebenfalls </span></div><div class=\"ps21611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberwiegend in der Konzernzentrale statt. Hier kam es zu einer Reduktion von \u20ac 1.609 Millionen. </span></div><div class=\"ps21612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die kurzfristigen Betr\u00e4ge/Tagesgeldeinlagen gegen\u00fcber Kunden verzeichneten in Tschechien einen erheblichen Anstieg </span></div><div class=\"ps21613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 5.020 Millionen), wobei die Zunahme bei Einlagen von Haushalten am deutlichsten ausfiel. Des Weiteren erh\u00f6hten </span></div><div class=\"ps21614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich die Verbindlichkeiten mit vereinbarter Laufzeit besonders stark in Ungarn (Anstieg: \u20ac 858 Millionen) und in der Slowakei </span></div><div class=\"ps21615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 604 Millionen). </span></div><div class=\"ps21616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gedeckten Schuldverschreibungen erh\u00f6hten sich in der Slowakei aufgrund von eigenen Emissionen um \u20ac 1.052 Millionen. Im </span></div><div class=\"ps21617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegensatz dazu verringerten sich die sonstigen verbrieften Verbindlichkeiten, insbesondere in der Konzernzentrale (R\u00fcckgang: </span></div><div class=\"ps21618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0912 Millionen) aufgrund des Auslaufens diverser Emissionen und in der Slowakei (R\u00fcckgang: \u20ac 313 Millionen) aufgrund der <span class=\"f ps24\"> </span></span></div><div class=\"ps21619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzeitigen Tilgung einer Anleihe. <span class=\"f ps24\"> </span></span></div><div class=\"ps21620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen finanziellen Verbindlichkeiten erh\u00f6hten sich aufgrund von schwebenden Verrechnungen und auszuzahlenden </span></div><div class=\"ps21621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betr\u00e4gen \u00fcberwiegend in Russland um \u20ac 310 Millionen.</span></div><div class=\"ps21622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden nach Asset-Klassen:</span></div><div class=\"ps21627 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20353\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">391<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21624\">3.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21625\">3.104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20240\">20.241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20045\">22.607<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20157\">11.978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17149\">11.403<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19187\">46.163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21626\">43.833<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17382\">65.656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps10756\">59.353<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18498\">148.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9394\">140.692<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verbindlichkeiten gegen\u00fcber Haushalten verzeichneten ihre gr\u00f6\u00dften Anstiege in Tschechien (Anstieg: \u20ac 3.708 Millionen), in </span></div><div class=\"ps21630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei (Anstieg: \u20ac 739 Millionen) und in Rum\u00e4nien (Anstieg: \u20ac 598 Millionen) </span><span class=\"f charStyle-9eccfdcb ps21629\">.</span></div><div class=\"ps22113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span id=\"i0b418d0767b945fab2e3f8d72aebfa11\"></span></span></div><div class=\"ps22118 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18508\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22114\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22116\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-13": {
   "value": "22463000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-14": {
   "value": "2875000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-15": {
   "value": "1621000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-16": {
   "value": "1254000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-17": {
   "value": "1098000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-18": {
   "value": "163000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-19": {
   "value": "-15000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-20": {
   "value": "<div class=\"ps28 ss0\" style=\"font-size:32pt\"><span class=\"f charStyle-b36b224a ps17\">\u00b7</span><span class=\"f charStyle-736311c3 ps2238\"> </span><span class=\"f charStyle-5ce759ba ps26\">Unternehmen<span id=\"icfbcbfdc582a41fdba484ab52c8e8ad2\"></span></span></div><div class=\"ps2489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die </span><span class=\"f charStyle-9eccfdcb ps718\">Raiffeisen Bank International AG (RBI AG)</span><span class=\"f charStyle-9eccfdcb ps18322\"> ist beim Handelsgericht Wien im Firmenbuch unter FN 122119m registriert. Die </span></div><div class=\"ps18323 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenanschrift lautet Am Stadtpark 9, 1030 Wien.<span class=\"f ps24\"> </span></span></div><div class=\"ps18324 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI betrachtet \u00d6sterreich, wo sie als eine f\u00fchrende Kommerz- und Investmentbank t\u00e4tig ist, sowie Zentral- und Osteuropa </span></div><div class=\"ps18325 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(CEE) als ihren Heimmarkt. 11 M\u00e4rkte der Region werden durch Tochterbanken abgedeckt, dar\u00fcber hinaus umfasst die Gruppe </span></div><div class=\"ps18326 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zahlreiche andere Finanzdienstleistungsunternehmen beispielsweise in den Bereichen Leasing, Verm\u00f6gensverwaltung, </span></div><div class=\"ps18328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Factoring und M&amp;A.</span><span class=\"f charStyle-9eccfdcb ps18327\"> Die RBI bietet \u00f6sterreichischen und internationalen Unternehmen nicht nur ein breites Produktangebot im <span class=\"f ps24\"> </span></span></div><div class=\"ps18329 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Corporate und Investment Banking, sondern auch eine nahezu fl\u00e4chendeckende Betreuung in CEE. \u00dcber ein engmaschiges </span></div><div class=\"ps18330 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Filialnetz werden auch lokale Unternehmen aller Gr\u00f6\u00dfenordnungen sowie Privatkund:innen mit hochqualitativen </span></div><div class=\"ps18331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzprodukten versorgt. Zur Unterst\u00fctzung ihrer Gesch\u00e4ftsaktivit\u00e4ten unterh\u00e4lt die RBI Repr\u00e4sentanzen sowie Service-</span></div><div class=\"ps18335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweigstellen an ausgew\u00e4hlten asiatischen und westeurop\u00e4ischen Standorten. </span><span class=\"f charStyle-9eccfdcb ps18332\">Insgesamt betreuen rund </span><span class=\"f charStyle-9eccfdcb ps18333\">42.500</span><span class=\"f charStyle-9eccfdcb ps18334\"> </span></div><div class=\"ps18343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitarbeiter:innen der RBI (Vorjahr: rund <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps18336\">42.600</span><span class=\"f charStyle-9eccfdcb ps15513\">), </span><span class=\"f charStyle-9eccfdcb ps18337\">18,6</span><span class=\"f charStyle-9eccfdcb ps18338\"> Millionen Kund:innen (Vorjahr: </span><span class=\"f charStyle-9eccfdcb ps18339\">17,9</span><span class=\"f charStyle-9eccfdcb ps18340\"> Millionen) in rund </span><span class=\"f charStyle-9eccfdcb ps18341\">1.300<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps18342\"> Gesch\u00e4ftsstellen </span></div><div class=\"ps18346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Vorjahr: rund </span><span class=\"f charStyle-9eccfdcb ps18344\">1.400</span><span class=\"f charStyle-9eccfdcb ps18345\">), der \u00fcberwiegende Teil davon in CEE. </span></div><div class=\"ps18347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Da Aktien der Gesellschaft an einem geregelten Markt gem\u00e4\u00df \u00a7 1 Abs 2 B\u00f6rseG (prime market der Wiener B\u00f6rse) gehandelt </span></div><div class=\"ps18348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden sowie zahlreiche Emissionen der RBI AG an einer geregelten B\u00f6rse in der EU zugelassen sind, hat die RBI AG gem\u00e4\u00df \u00a7 59a </span></div><div class=\"ps18349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">BWG einen Konzernabschluss in \u00dcbereinstimmung mit den International Financial Reporting Standards (IFRS) aufzustellen. Die </span></div><div class=\"ps18350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI hat keinen Mehrheitsaktion\u00e4r, jedoch halten die acht Raiffeisen-Landesbanken als Kernaktion\u00e4re rund 61 Prozent der Aktien, </span></div><div class=\"ps18351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Rest befindet sich im Streubesitz. </span></div><div class=\"ps18352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als Kreditinstitut gem\u00e4\u00df \u00a7 1 BWG unterliegt die RBI AG der beh\u00f6rdlichen Aufsicht durch die Finanzmarktaufsicht, Otto-Wagner-</span></div><div class=\"ps18353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Platz 5, A-1090 Wien (www.fma.gv.at) sowie durch die Europ\u00e4ische Zentralbank, Sonnemannstrasse 22, D-60314 Frankfurt am </span></div><div class=\"ps18354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Main (www.bankingsupervision.europa.eu).</span></div><div class=\"ps18355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der vorliegende Konzernabschluss wird gem\u00e4\u00df den \u00f6sterreichischen Ver\u00f6ffentlichungsregelungen beim Firmenbuchgericht </span></div><div class=\"ps18357 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinterlegt und \u00fcber die elektronische Verlautbarungs- und Informationsplattform (EVI) ver\u00f6ffentlicht. Er wurde am </span><span class=\"f charStyle-9eccfdcb ps18356\">17. Februar </span></div><div class=\"ps18359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2026</span><span class=\"f charStyle-9eccfdcb ps18358\"> vom Vorstand unterzeichnet und anschlie\u00dfend an den Aufsichtsrat zur Kenntnisnahme weitergeleitet. Als Bestandteil des </span></div><div class=\"ps18360 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresfinanzberichtes gem. \u00a7 124 B\u00f6rseG 2018 wird der vorliegende Konzernabschluss zus\u00e4tzlich im einheitlichen elektronischen </span></div><div class=\"ps18361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsformat (ESEF-Format) erstellt und ver\u00f6ffentlicht.<span class=\"f ps24\"> </span></span></div><div class=\"ps18362 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Offenlegungsanforderungen des Artikels 434 der EU-Verordnung 575/2013 \u00fcber Aufsichtsanforderungen an Kreditinstitute </span></div><div class=\"ps18363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Capital Requirements Regulation, CRR) werden im Internet auf der Webseite der RBI ver\u00f6ffentlicht: www.rbinternational.com \u2192 </span></div><div class=\"ps18364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investoren \u2192 Ergebnisse &amp; Berichte. </span></div><div class=\"ps18375 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:337.5pt\"></td><td style=\"padding:0;width:104.25pt\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1155\"><div><div class=\"ps5729 ss1154\"><span class=\"f charStyle-596dabcd ps30\">ESEF Information<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5731 ss1156\"><div><div class=\"ps31 ss1154\"><span class=\"f charStyle-375ad3a6 ps30\">Name des obersten Mutterunternehmens der Unternehmensgruppe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18365 ss1158\"><div><div class=\"ps31 ss1157\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank International AG<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3782 ss1156\"><div><div class=\"ps31 ss1154\"><span class=\"f charStyle-375ad3a6 ps30\">Name des berichtenden Unternehmens<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18366 ss1158\"><div><div class=\"ps31 ss1157\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank International AG<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18367 ss1156\"><div><div class=\"ps31 ss1154\"><span class=\"f charStyle-375ad3a6 ps30\">Rechtsform des Unternehmens<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18368 ss1158\"><div><div class=\"ps31 ss1157\"><span class=\"f charStyle-375ad3a6 ps30\">AG<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18369 ss1156\"><div><div class=\"ps31 ss1154\"><span class=\"f charStyle-375ad3a6 ps30\">Hauptsitz der Gesch\u00e4ftst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18370 ss1158\"><div><div class=\"ps31 ss1157\"><span class=\"f charStyle-375ad3a6 ps30\">1030 Wien<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18371 ss1156\"><div><div class=\"ps31 ss1154\"><span class=\"f charStyle-375ad3a6 ps30\">Anschrift des eingetragenen Gesch\u00e4ftssitzes<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18372 ss1158\"><div><div class=\"ps31 ss1157\"><span class=\"f charStyle-375ad3a6 ps30\">Am Stadtpark 9, 1030 Wien<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16097 ss1156\"><div><div class=\"ps31 ss1154\"><span class=\"f charStyle-375ad3a6 ps30\">Sitz des Unternehmens<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18373 ss1158\"><div><div class=\"ps31 ss1157\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6384 ss1156\"><div><div class=\"ps31 ss1154\"><span class=\"f charStyle-375ad3a6 ps30\">Land, in dem das Unternehmen als juristische Person registriert ist<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18374 ss1158\"><div><div class=\"ps31 ss1157\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4592 ss1156\"><div><div class=\"ps31 ss1154\"><span class=\"f charStyle-375ad3a6 ps30\">Beschreibung der Art der Gesch\u00e4ftst\u00e4tigkeit des Unternehmens und seiner Hauptt\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:47.25pt\"><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11822 ss641\"><div><div class=\"ps31 ss7\"><span class=\"f charStyle-375ad3a6 ps30\">Die RBI betrachtet \u00d6sterreich, wo sie als eine f\u00fchrende Kommerz- und Investmentbank t\u00e4tig ist, sowie Zentral- und Osteuropa (CEE) als ihren Heimmarkt. 11 M\u00e4rkte der <span class=\"f ps24\"> </span></span></div><div class=\"ps5989 ss7\"><span class=\"f charStyle-375ad3a6 ps30\">Region werden durch Tochterbanken abgedeckt, dar\u00fcber hinaus umfasst die Gruppe zahlreiche andere Finanzdienstleistungsunternehmen beispielsweise in den </span></div><div class=\"ps5990 ss7\"><span class=\"f charStyle-375ad3a6 ps30\">Bereichen Leasing, Verm\u00f6gensverwaltung, Factoring und M&amp;A. Die RBI bietet \u00f6sterreichischen und internationalen Unternehmen nicht nur ein breites Produktangebot im </span></div><div class=\"ps5991 ss7\"><span class=\"f charStyle-375ad3a6 ps30\">Corporate und Investment Banking, sondern auch eine nahezu fl\u00e4chendeckende Betreuung in CEE. \u00dcber ein engmaschiges Filialnetz werden auch lokale Unternehmen </span></div><div class=\"ps5992 ss7\"><span class=\"f charStyle-375ad3a6 ps30\">aller Gr\u00f6\u00dfenordnungen sowie Privatkund:innen mit hochqualitativen Finanzprodukten versorgt. Zur Unterst\u00fctzung ihrer Gesch\u00e4ftsaktivit\u00e4ten unterh\u00e4lt die RBI </span></div><div class=\"ps5993 ss7\"><span class=\"f charStyle-375ad3a6 ps30\">Repr\u00e4sentanzen sowie Service-Zweigstellen an ausgew\u00e4hlten asiatischen und westeurop\u00e4ischen Standorten.</span></div></div></div></td></tr></tbody></table></div></div></div>",
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    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
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    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  "f-22": {
   "value": "Raiffeisen Bank International AG",
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    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
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    "concept": "ifrs-full:LegalFormOfEntity",
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    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
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    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
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    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "\u00d6sterreich",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "\u00d6sterreich",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "Die RBI betrachtet \u00d6sterreich, wo sie als eine f\u00fchrende Kommerz- und Investmentbank t\u00e4tig ist, sowie Zentral- und Osteuropa (CEE) als ihren Heimmarkt. 11 M\u00e4rkte der  Region werden durch Tochterbanken abgedeckt, dar\u00fcber hinaus umfasst die Gruppe zahlreiche andere Finanzdienstleistungsunternehmen beispielsweise in den Bereichen Leasing, Verm\u00f6gensverwaltung, Factoring und M&amp;A. Die RBI bietet \u00f6sterreichischen und internationalen Unternehmen nicht nur ein breites Produktangebot im Corporate und Investment Banking, sondern auch eine nahezu fl\u00e4chendeckende Betreuung in CEE. \u00dcber ein engmaschiges Filialnetz werden auch lokale Unternehmen aller Gr\u00f6\u00dfenordnungen sowie Privatkund:innen mit hochqualitativen Finanzprodukten versorgt. Zur Unterst\u00fctzung ihrer Gesch\u00e4ftsaktivit\u00e4ten unterh\u00e4lt die RBI Repr\u00e4sentanzen sowie Service-Zweigstellen an ausgew\u00e4hlten asiatischen und westeurop\u00e4ischen Standorten.",
   "dimensions": {
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    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  },
  "f-29": {
   "value": "5874000000.0",
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    "concept": "ifrs-full:InterestRevenueExpense",
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    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
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    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
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    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
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   "value": "2231000000.0",
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    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-92": {
   "value": "27000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-93": {
   "value": "-6000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-94": {
   "value": "-11000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-95": {
   "value": "5000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-96": {
   "value": "-3000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-97": {
   "value": "4000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-98": {
   "value": "6000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-99": {
   "value": "1230000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-100": {
   "value": "-340000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-101": {
   "value": "1098000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-102": {
   "value": "-365000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-103": {
   "value": "-15000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-104": {
   "value": "-10000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-105": {
   "value": "163000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-106": {
   "value": "-103000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-107": {
   "value": "29000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-108": {
   "value": "71000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-109": {
   "value": "2000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-110": {
   "value": "59000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossBeforeTax",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-111": {
   "value": "48000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-112": {
   "value": "-8000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-113": {
   "value": "1254000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-114": {
   "value": "-334000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-115": {
   "value": "2875000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-116": {
   "value": "1024000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-117": {
   "value": "248000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-118": {
   "value": "192000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-119": {
   "value": "250000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossAttributableToNoncontrollingInterests",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-120": {
   "value": "201000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossAttributableToNoncontrollingInterests",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-121": {
   "value": "-2000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeAttributableToNoncontrollingInterests",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-122": {
   "value": "-9000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeAttributableToNoncontrollingInterests",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-123": {
   "value": "2627000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-124": {
   "value": "832000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-125": {
   "value": "<div class=\"ps18473 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Ergebnis je Aktie<span id=\"idac001f7efc84d8fa71a313df48e7fa7\"></span></span></div><div class=\"ps18483 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Konzernergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18475\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18388\">1.157<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenanspruch auf zus\u00e4tzliches Kernkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18476\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18477\">-110<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Auf Stammaktien entfallendes Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18478\">1.253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18479\">1.047<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Anzahl im Umlauf befindlicher Stammaktien in Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">328<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis je Aktie in \u20ac<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18481\">3,82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18482\">3,19<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es waren keine Wandel- oder Optionsrechte im Umlauf, eine Verw\u00e4sserung des Ergebnisses je Aktie fand daher nicht statt. Die </span></div><div class=\"ps18485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dividende auf das zus\u00e4tzliche Kernkapital ist kalkulatorisch, die tats\u00e4chliche Auszahlung basiert auf dem Beschluss des </span></div><div class=\"ps18486 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorstands zum jeweiligen Auszahlungszeitpunkt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-126": {
   "value": "1371000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossAttributableToOwnersOfParent",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-127": {
   "value": "1157000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossAttributableToOwnersOfParent",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-128": {
   "value": "118000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsPaidOtherShares",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-129": {
   "value": "110000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsPaidOtherShares",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-130": {
   "value": "1253000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
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  "f-296": {
   "value": "-12000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:AccumulatedOtherComprehensiveIncomeMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-297": {
   "value": "12000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:EquityAttributableToOwnersOfParentMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-298": {
   "value": "7000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:NoncontrollingInterestsMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-299": {
   "value": "13000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:OtherEquityInterestMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-300": {
   "value": "32000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-301": {
   "value": "0.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:IssuedCapitalMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-302": {
   "value": "0.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:SharePremiumMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-303": {
   "value": "1371000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:RetainedEarningsMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-304": {
   "value": "1256000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:AccumulatedOtherComprehensiveIncomeMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-305": {
   "value": "2627000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:EquityAttributableToOwnersOfParentMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-306": {
   "value": "248000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:NoncontrollingInterestsMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-307": {
   "value": "0.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:OtherEquityInterestMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-308": {
   "value": "2875000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-309": {
   "value": "1001000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:IssuedCapitalMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-310": {
   "value": "4986000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:SharePremiumMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-311": {
   "value": "17127000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:RetainedEarningsMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-312": {
   "value": "-3661000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:AccumulatedOtherComprehensiveIncomeMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-313": {
   "value": "19452000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:EquityAttributableToOwnersOfParentMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-314": {
   "value": "1386000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:NoncontrollingInterestsMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-315": {
   "value": "1625000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2026-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:OtherEquityInterestMember",
    "unit": "iso4217:EUR"
   }
  },
  "f-316": {
   "value": "22463000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-317": {
   "value": "<span class=\"f charStyle-5ce759ba ps26\">Kapitalflussrechnung<span id=\"i321bc6f5b5bc457f9e820b360090808c\"></span></span><div class=\"ps520 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:40.5pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13190 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-1dbd4d87 ps1601\">Anhang<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen zum 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18682 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-1dbd4d87 ps347\">[12]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7916\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18683\">43.234<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Operative Gesch\u00e4ftst\u00e4tigkeit:<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps64 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9393\">2.634<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17371\">2.984<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1172\"><div><div class=\"ps1485 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Anpassungen f\u00fcr die \u00dcberleitung des Ergebnisses nach Steuern auf den Kapitalfluss aus operativer <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesch\u00e4ftst\u00e4tigkeit:</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Abschreibungen, Wertminderungen, Zuschreibungen auf nichtfinanzielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps13236 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18684\">[7, 8]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18685 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18395\">511<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18687 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18686\">465<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Aufl\u00f6sung/Dotierung von R\u00fcckstellungen sowie Wertminderungen auf finanzielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps13247 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18688\">[6, 10, 27]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18690 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18691 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">1.563<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Gewinn/Verlust aus der Bewertung und Ver\u00e4u\u00dferung von Verm\u00f6genswerten und Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps13260 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18692\">[5, 8]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18694 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18693\">-254<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18696 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18695\">137<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1521 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Laufendes Ergebnis aus assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps13273 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps477\">[3]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18698 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18700 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18699\">-47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1533 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Anpassungen (per Saldo)\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18701 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17904\">-5.940<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18702 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17883\">-6.441<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Zwischensumme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18704 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18703\">-2.543<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18705 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17557\">-1.340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1561 ss1172\"><div><div class=\"ps1485 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Ver\u00e4nderung der Verm\u00f6genswerte und Verbindlichkeiten aus operativer Gesch\u00e4ftst\u00e4tigkeit nach <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Korrektur um zahlungsunwirksame Bestandteile:<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6429 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18707 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18706\">[13]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18457\">1.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18709\">-5.377<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps5197 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18711 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps1854\">[17, 23]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18712\">-767<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17175\">-770<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps14045 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18716 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18715\">[18, 23]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">-270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18718\">-200<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7510 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18720 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps9425\">[19, 23]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18721\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16869\">-119<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps5543 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18725 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18724\">[20, 23]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18726 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10664\">-1.019<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18727 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17390\">-562<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4785 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18728 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps15660\">[26]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18730 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">501<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18732 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18731\">-199<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12964 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18733 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps10737\">[15]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18734 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18504\">6.318<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18736 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18735\">2.239<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7931 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18737 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps9425\">[19, 23]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18739 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18740 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1680 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18741 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps2034\">[21, 23]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18743 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18742\">1.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18380\">1.069<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1690 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18746 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18745\">[27]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18748 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18470\">-358<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1699 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18749 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps10742\">[28]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18750 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17787\">-940<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18752 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18751\">-77<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1713 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Zinsen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18754 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18753\">[1]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4154\">9.062<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18756\">10.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7287 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Gezahlte Zinsen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18758 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18753\">[1]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18760 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">-3.558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18761 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17557\">-4.245<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps5311 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Dividenden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18762 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps9373\">[2]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18764 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18763\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18765 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18465\">65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps5312 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Ertragsteuerzahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18766 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps1595\">[11]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18768 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18767\">-1.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18769 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17142\">-1.086<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5314 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Kapitalfl\u00fcsse aus operativer Gesch\u00e4ftst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18770 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17504\">9.071<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18771 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17899\">-643<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6841 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Investitionst\u00e4tigkeit:<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps5234 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand aus dem Zu- und Abgang von Tochterunternehmen aufgrund Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18773 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5237 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Auszahlungen f\u00fcr den Erwerb von:<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps8673 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzanlagen und Unternehmensanteilen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18776 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18199\">[13, 16, 18, 24]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18777\">-10.527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17456\">-7.421<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7856 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen und immateriellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18780 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps11238\">[25]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17468\">-547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18783 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18782\">-497<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6628 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Einzahlungen aus der Ver\u00e4u\u00dferung von:<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18784 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzanlagen und Unternehmensanteilen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18785 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps18199\">[13, 16, 18, 24]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4136\">3.321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18787 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17906\">2.401<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps5324 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen und immateriellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18788 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps11238\">[25]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18790 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18789\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18791 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18396\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16289 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Tochterunternehmen\u00b2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18792 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps357\">[8]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18793 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18794 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17468\">-962<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6640 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Kapitalfl\u00fcsse aus Investitionst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18795 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18709\">-7.671<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18797 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18796\">-6.399<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13989 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzierungst\u00e4tigkeit:<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18798 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitaleinzahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18686\">645<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18801 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalauszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18802\">-174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18804 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17352\">-472<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18805 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Einzahlungen nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18806 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps9082\">[15, 19]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18396\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18808 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1172\">183<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18809 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Auszahlungen nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18810 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-375ad3a6 ps9082\">[15, 19]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18812 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18811\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18814 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18813\">-139<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18815 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenzahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18817 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18816\">-609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18818 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18398\">-605<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18819 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsmittelabfl\u00fcsse f\u00fcr Leasingverh\u00e4ltnisse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18821 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18820\">-46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18823 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">-59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps8247 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Einzahlungen aus Ver\u00e4nderungen im Kapital nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18824 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18825 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18826 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Kapitalfl\u00fcsse aus Finanzierungst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18827 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17695\">-1.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18828 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps16893\">-447<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18829 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18830 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18462\">92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18831 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17390\">-876<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5261 ss513\"><div><div class=\"ps31 ss453\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen zum 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18832 ss1171\"><div><div class=\"ps31 ss165\"><span class=\"f charStyle-1dbd4d87 ps347\">[12]<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18834 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18833\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18835 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7916\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"4\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps5262 ss621\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Sonstige Anpassungen (per Saldo) enth\u00e4lt im Wesentlichen den Abzug des Zins\u00fcberschusses und der Dividendenertr\u00e4ge, die entsprechenden Zahlungsfl\u00fcsse sind unter dem Posten erhaltene Zinsen, <span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">gezahlte Zinsen und erhaltene Dividenden dargestellt.</span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"4\" style=\"padding:0\"><div class=\"ps6933 ss621\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-073efae3 ps30\">2 Der negative Nettobetrag aus der Ver\u00e4u\u00dferung von Tochterunternehmen im Vorjahr resultierte aus dem Verkaufspreis von \u20ac 215 Millionen abz\u00fcglich der ver\u00e4u\u00dferten Zahlungsmittel und </span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-073efae3 ps30\">Zahlungsmittel\u00e4quivalenten in H\u00f6he von \u20ac 1.177 Millionen.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalfl\u00fcsse aus betrieblicher T\u00e4tigkeit, Investitions- und Finanzierungst\u00e4tigkeit werden in der Geldflussrechnung so </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt, wie sie der Gesch\u00e4ftst\u00e4tigkeit der RBI bestm\u00f6glich entsprechen. Dabei handelt es sich bei den Kapitalfl\u00fcssen aus </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">operativer Gesch\u00e4ftst\u00e4tigkeit um Zahlungsmittelfl\u00fcsse aus den wesentlichen erl\u00f6swirksamen T\u00e4tigkeiten des Unternehmens. </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ermittlung der Kapitalfl\u00fcsse aus operativer Gesch\u00e4ftst\u00e4tigkeit erfolgt nach der indirekten Methode, bei der das Ergebnis <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor Steuern aus der Erfolgsrechnung um nicht zahlungswirksame Bestandteile bereinigt und um die zahlungswirksamen </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderungen der Verm\u00f6genswerte und Verbindlichkeiten erweitert wird. Zus\u00e4tzlich werden die Aufwands- und </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragspositionen, die dem Investitions- oder Finanzierungsbereich zuzuordnen sind, abgezogen. Als Finanzinstitut stuft die RBI </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezahlte Zinsen sowie erhaltene Zinsen und Dividenden als Kapitalfl\u00fcsse aus der operativen T\u00e4tigkeit ein. </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der im Kapitalfluss aus Investitionst\u00e4tigkeit dargestellte Zahlungsmittelzu- und -abfluss f\u00fcr Finanzanlagen umfasst </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapiere mit langfristiger Veranlagungsabsicht, jener f\u00fcr Unternehmensanteile enth\u00e4lt nicht vollkonsolidierte </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen und assoziierte Unternehmen.</span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">N\u00e4here Informationen zum Kassenbestand, Guthaben bei Zentralbanken und sonstigen Sichteinlagen finden sich unter Punkt </span></div><div class=\"ps18840 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(12) Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen</span><span class=\"f charStyle-9eccfdcb ps18838\">. </span><span class=\"f charStyle-9eccfdcb ps18839\">Details zur Ver\u00e4nderung der im Kapitalfluss aus </span></div><div class=\"ps18843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Finanzierungst\u00e4tigkeit dargestellten nachrangigen finanziellen Verbindlichkeiten finden sich</span><span class=\"f charStyle-9eccfdcb ps18841\"> unter dem Punkt <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps18842\">(15) </span></div><div class=\"ps18845 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verbindlichkeiten - Amortized Cost</span><span class=\"f charStyle-9eccfdcb ps18844\">.</span></div><div class=\"ps18846 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die RBI als Kreditinstitutsgruppe ist die Aussagef\u00e4higkeit der Kapitalflussrechnung als gering anzusehen. Die Kapitalfluss-</span></div><div class=\"ps18847 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechnung ist keine Liquidit\u00e4ts- bzw. Finanzplanung. Sie wird au\u00dferdem nicht als Steuerungsinstrument verwendet.</span></div>",
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  "f-400": {
   "value": "<div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalfl\u00fcsse aus betrieblicher T\u00e4tigkeit, Investitions- und Finanzierungst\u00e4tigkeit werden in der Geldflussrechnung so </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt, wie sie der Gesch\u00e4ftst\u00e4tigkeit der RBI bestm\u00f6glich entsprechen. Dabei handelt es sich bei den Kapitalfl\u00fcssen aus </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">operativer Gesch\u00e4ftst\u00e4tigkeit um Zahlungsmittelfl\u00fcsse aus den wesentlichen erl\u00f6swirksamen T\u00e4tigkeiten des Unternehmens. </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ermittlung der Kapitalfl\u00fcsse aus operativer Gesch\u00e4ftst\u00e4tigkeit erfolgt nach der indirekten Methode, bei der das Ergebnis <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor Steuern aus der Erfolgsrechnung um nicht zahlungswirksame Bestandteile bereinigt und um die zahlungswirksamen </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderungen der Verm\u00f6genswerte und Verbindlichkeiten erweitert wird. Zus\u00e4tzlich werden die Aufwands- und </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragspositionen, die dem Investitions- oder Finanzierungsbereich zuzuordnen sind, abgezogen. Als Finanzinstitut stuft die RBI </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezahlte Zinsen sowie erhaltene Zinsen und Dividenden als Kapitalfl\u00fcsse aus der operativen T\u00e4tigkeit ein. </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der im Kapitalfluss aus Investitionst\u00e4tigkeit dargestellte Zahlungsmittelzu- und -abfluss f\u00fcr Finanzanlagen umfasst </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapiere mit langfristiger Veranlagungsabsicht, jener f\u00fcr Unternehmensanteile enth\u00e4lt nicht vollkonsolidierte </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen und assoziierte Unternehmen.</span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">N\u00e4here Informationen zum Kassenbestand, Guthaben bei Zentralbanken und sonstigen Sichteinlagen finden sich unter Punkt </span></div><div class=\"ps18840 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(12) Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen</span><span class=\"f charStyle-9eccfdcb ps18838\">. </span><span class=\"f charStyle-9eccfdcb ps18839\">Details zur Ver\u00e4nderung der im Kapitalfluss aus </span></div><div class=\"ps18843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Finanzierungst\u00e4tigkeit dargestellten nachrangigen finanziellen Verbindlichkeiten finden sich</span><span class=\"f charStyle-9eccfdcb ps18841\"> unter dem Punkt <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps18842\">(15) </span></div><div class=\"ps18845 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verbindlichkeiten - Amortized Cost</span><span class=\"f charStyle-9eccfdcb ps18844\">.</span></div><div class=\"ps18846 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die RBI als Kreditinstitutsgruppe ist die Aussagef\u00e4higkeit der Kapitalflussrechnung als gering anzusehen. Die Kapitalfluss-</span></div><div class=\"ps18847 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechnung ist keine Liquidit\u00e4ts- bzw. Finanzplanung. Sie wird au\u00dferdem nicht als Steuerungsinstrument verwendet.</span></div>",
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    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory",
    "language": "de",
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  },
  "f-402": {
   "value": "<div class=\"ps2609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Grundlagen und Grunds\u00e4tze der <span id=\"ia514179afd5f42e68e9b31a7a65aab47\"></span></span></div><div class=\"ps18849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Konzernrechnungslegung</span></div><div class=\"ps18850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Grunds\u00e4tze der Erstellung<span id=\"i2919ba7f9e45429c9fd79ae5d2d7ba1c_2717\"></span><span id=\"i63d33559cf6442c0a5833c776d74bb22\"></span></span></div><div class=\"ps18851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzernabschluss wird in \u00dcbereinstimmung mit den vom International Accounting Standards Board (IASB) </span></div><div class=\"ps18852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herausgegebenen International Financial Reporting Standards (IFRS) und den auf Basis der IAS Verordnung (EG) 1606/2002 durch </span></div><div class=\"ps18853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die EU \u00fcbernommenen internationalen Rechnungslegungsstandards einschlie\u00dflich der anzuwendenden Interpretationen des </span></div><div class=\"ps18854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">International Financial Reporting Interpretations Committee (IFRIC/SIC) erstellt. Noch nicht anzuwendende Standards und </span></div><div class=\"ps18855 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Interpretationen, welche von der EU ver\u00f6ffentlicht und \u00fcbernommen wurden, sind im Abschnitt noch nicht anzuwendende </span></div><div class=\"ps18856 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Standards und Interpretationen (EU-Endorsement ist bereits erfolgt) erl\u00e4utert. </span></div><div class=\"ps18857 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiters erf\u00fcllt der Konzernabschluss die Voraussetzungen des \u00a7 245a UGB und des \u00a7 59a BWG \u00fcber befreiende </span></div><div class=\"ps18858 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschl\u00fcsse nach international anerkannten Rechnungslegungsgrunds\u00e4tzen. </span></div><div class=\"ps18859 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Verm\u00f6genswert wird in der Bilanz angesetzt, wenn es wahrscheinlich ist, dass der k\u00fcnftige wirtschaftliche Nutzen dem </span></div><div class=\"ps18860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen zuflie\u00dfen wird, und wenn seine Anschaffungs- oder Herstellungskosten oder ein anderer Wert verl\u00e4sslich </span></div><div class=\"ps18861 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden k\u00f6nnen. Eine Schuld wird in der Bilanz angesetzt, wenn es wahrscheinlich ist, dass sich aus der Erf\u00fcllung einer </span></div><div class=\"ps18862 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegenw\u00e4rtigen Verpflichtung ein direkter Abfluss von Ressourcen ergeben wird, die wirtschaftlichen Nutzen enthalten, und </span></div><div class=\"ps18863 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn deren Erf\u00fcllungsbetrag verl\u00e4sslich bewertet werden kann. Davon ausgenommen sind bestimmte Finanzinstrumente, die </span></div><div class=\"ps18864 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum beizulegenden Zeitwert am Bilanzstichtag angesetzt werden. Ertr\u00e4ge werden, sofern die zugrunde liegenden Vertr\u00e4ge </span></div><div class=\"ps18865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Anwendungsbereich von IFRS 9 oder IFRS 16 fallen, erfasst, wenn es unter Einhaltung der Bedingungen des IFRS 15 </span></div><div class=\"ps12092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich ist, dass der wirtschaftliche Nutzen dem Konzern zuflie\u00dfen wird, und die H\u00f6he der Ertr\u00e4ge verl\u00e4sslich bestimmt </span></div><div class=\"ps12093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden kann.</span><span class=\"f charStyle-9eccfdcb ps18866\"> Der vorliegende Konzernabschluss wurde basierend auf dem Grundsatz der Unternehmensfortf\u00fchrung erstellt. </span></div><div class=\"ps18867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Grundlage f\u00fcr den Konzernabschluss bilden die auf Basis der IFRS-Bestimmungen nach konzerneinheitlichen Standards </span></div><div class=\"ps18868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstellten Berichtspakete aller vollkonsolidierten Unternehmen. Alle wesentlichen Tochtergesellschaften erstellen ihre </span></div><div class=\"ps18869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresabschl\u00fcsse per 31. Dezember. Einige au\u00dferhalb des Anhangs gemachte IFRS-Angaben sind wesentliche Bestandteile des </span></div><div class=\"ps18870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschlusses. Dabei handelt es sich im Wesentlichen um Erl\u00e4uterungen zu den Segmentergebnissen, die in den Angaben </span></div><div class=\"ps18873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Segmentberichterstattung dargestellt werden. Ausf\u00fchrliche Erl\u00e4uterungen gem\u00e4\u00df IFRS 7 sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps18871\">(41) Kreditrisiko</span><span class=\"f charStyle-9eccfdcb ps18872\">, </span></div><div class=\"ps18877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps18874\"> und </span><span class=\"f charStyle-9eccfdcb ps18875\">(43) Liquidit\u00e4tsmanagement</span><span class=\"f charStyle-9eccfdcb ps18876\"> dargestellt. Die Darstellung dieser Informationen erfolgt in \u00dcbereinstimmung </span></div><div class=\"ps18878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit IFRS 8 Gesch\u00e4ftssegmente bzw. IFRS 7 Angaben zu Finanzinstrumenten.</span></div><div class=\"ps18879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und <span id=\"ifd020ee4f3a64b62a182f8da84dfa865\"></span></span></div><div class=\"ps18880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">finanziellen Verbindlichkeiten</span></div><div class=\"ps18881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Finanzinstrument ist ein Vertrag, der gleichzeitig bei einem Gesch\u00e4ftspartner zu einem finanziellen Verm\u00f6genswert und </span></div><div class=\"ps18882 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim anderen zu einer finanziellen Schuld oder einem Eigenkapitalinstrument f\u00fchrt. Beim erstmaligen Ansatz sind </span></div><div class=\"ps18883 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzinstrumente mit dem beizulegenden Zeitwert zu bewerten; dieser entspricht in der Regel dem Transaktionspreis zum </span></div><div class=\"ps18884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt. Stellt eine Konzerneinheit fest, dass der beizulegende Zeitwert beim erstmaligen Ansatz vom <span class=\"f ps24\"> </span></span></div><div class=\"ps18885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionspreis abweicht, diese Bewertung zum beizulegenden Zeitwert jedoch nicht durch eine Bewertungstechnik belegt <span class=\"f ps24\"> </span></span></div><div class=\"ps18886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, die ausschlie\u00dflich Daten aus beobachtbaren M\u00e4rkten verwendet, dann wird der Buchwert des finanziellen Verm\u00f6genswerts <span class=\"f ps24\"> </span></span></div><div class=\"ps18887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder der finanziellen Verbindlichkeit beim erstmaligen Ansatz angepasst, um die Differenz zwischen der Bewertung zum </span></div><div class=\"ps18888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert und dem Transaktionspreis abzugrenzen. Die abgegrenzte Differenz wird in der Folge nur insoweit als </span></div><div class=\"ps18889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn oder Verlust erfasst, als sie sich aus der \u00c4nderung eines Faktors (einschlie\u00dflich des Zeitpunkts) ergibt, den die </span></div><div class=\"ps18890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktteilnehmer:innen bei der Preisbildung ber\u00fccksichtigen w\u00fcrden. Gem\u00e4\u00df IFRS 13 ist der beizulegende Zeitwert als </span></div><div class=\"ps18891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungspreis definiert. In der Folgebewertung werden Finanzinstrumente in Abh\u00e4ngigkeit von der jeweiligen </span></div><div class=\"ps18892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungskategorie gem\u00e4\u00df IFRS 9 entweder zu (fortgef\u00fchrten) Anschaffungskosten oder zum beizulegenden Zeitwert (Fair </span></div><div class=\"ps18893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value) in der Bilanz angesetzt. </span></div><div class=\"ps18894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Klassifizierung von finanziellen Verm\u00f6genswerten nach IFRS 9 basiert auf zwei Kriterien, einerseits dem Gesch\u00e4ftsmodell </span></div><div class=\"ps18895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter welchem der Verm\u00f6genswert verwaltet wird und andererseits den Charakteristika der vertraglichen Zahlungsstr\u00f6me. F\u00fcr </span></div><div class=\"ps18896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI ergeben sich hieraus f\u00fcnf Kategorien f\u00fcr finanzielle Verm\u00f6genswerte:</span></div><div class=\"ps18897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte (Amortized Cost, AC)</span></div><div class=\"ps18898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erfolgsneutral zum Fair Value bewertete finanzielle Verm\u00f6genswerte (Fair Value Through Other Comprehensive </span></div><div class=\"ps18899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Income, FVOCI)</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zwingend als erfolgswirksam zum Fair Value bewertete finanzielle Verm\u00f6genswerte (Fair Value Through Profit/Loss, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">FVTPL)</span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Optional als erfolgswirksam zum Fair Value bewertete finanzielle Verm\u00f6genswerte (FVTPL) </span></div><div class=\"ps18900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Held For Trading (HFT).</span></div><div class=\"ps3510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bilanzierung der finanziellen Verbindlichkeiten nach IFRS 9 erfolgt \u00fcberwiegend zu (fortgef\u00fchrten) Anschaffungskosten </span></div><div class=\"ps5827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Finanzielle Verbindlichkeiten \u2013 Amortized Cost) unter Anwendung der Effektivzinsmethode mit Ausnahme jener finanziellen </span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zum beizulegenden Zeitwert (Fair Value) bewertet werden. Letztere umfassen jene finanziellen </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zu Handelszwecken gehalten werden (Finanzielle Verbindlichkeiten \u2013 Held For Trading), und solche, die in </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die FVTPL-Kategorie designiert wurden (Finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss). Bei den zum </span></div><div class=\"ps18902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair Value Through Profit/Loss designierten finanziellen Verbindlichkeiten sind die Ver\u00e4nderungen des beizulegenden Zeitwerts, </span></div><div class=\"ps18903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die sich aus Ver\u00e4nderungen des eigenen Ausfallrisikos der RBI ergeben, im sonstigen Ergebnis auszuweisen.</span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach IFRS 9 werden eingebettete Derivate nicht vom Basisvertrag eines finanziellen Verm\u00f6genswerts getrennt. Stattdessen </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden finanzielle Verm\u00f6genswerte gem\u00e4\u00df dem Gesch\u00e4ftsmodell und ihren Vertragsbedingungen klassifiziert, wie im </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschnitt \u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells und im Abschnitt \u00dcberpr\u00fcfung der Charakteristika der vertraglichen </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsstr\u00f6me erl\u00e4utert. Bei Finanzverbindlichkeiten werden eingebettete Derivate nur dann vom Basisinstrument separiert </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und gesondert als Derivat verbucht, wenn deren wirtschaftliche Merkmale und Risiken nicht eng mit den wirtschaftlichen </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Merkmalen und Risiken des Basisvertrags verbunden sind, das eingebettete Derivat der Definition eines Derivats entspricht, und </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das hybride Finanzinstrument keinem finanziellen Verbindlichkeitsposten zugeordnet ist, der zu Handelszwecken gehalten wird, </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder als erfolgswirksam zum Fair Value bewertet eingestuft wird.</span></div><div class=\"ps18912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">N\u00e4here Details zur Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten finden </span></div><span class=\"f charStyle-9eccfdcb ps17\">sich im Anhang bei den jeweiligen Posten der Erfolgsrechnung und der Bilanz</span><div class=\"ps18914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Umklassifizierung finanzieller Verm\u00f6genswerte <span id=\"i9c5f6b5fa0594732a0aa40fca3b74d34\"></span></span></div><div class=\"ps18915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Umklassifizierung ist nur f\u00fcr finanzielle Verm\u00f6genswerte vorgesehen, f\u00fcr finanzielle Verbindlichkeiten ist eine <span class=\"f ps24\"> </span></span></div><div class=\"ps18916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung nicht m\u00f6glich. Eine \u00c4nderung der Bewertungskategorie ist in der RBI nur dann vorgesehen, wenn das </span></div><div class=\"ps18917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodell, das zur Verwaltung eines finanziellen Verm\u00f6genswerts eingesetzt wird, sich \u00e4ndert. Solche \u00c4nderungen </span></div><div class=\"ps18918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">treten erwartungsgem\u00e4\u00df nur sehr selten auf, sie werden vom Management infolge von externen oder internen \u00c4nderungen </span></div><div class=\"ps18919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und m\u00fcssen sowohl f\u00fcr den Betrieb des Unternehmens wesentlich als auch gegen\u00fcber externen Parteien </span></div><div class=\"ps18920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachweisbar sein. Sind diese Voraussetzungen erf\u00fcllt, ist die Umklassifizierung zwingend vorzunehmen. Wenn eine derartige </span></div><div class=\"ps18921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung notwendig ist, ist diese prospektiv ab dem Zeitpunkt der Umklassifizierung vorzunehmen und vom Vorstand </span></div><div class=\"ps18922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI zu genehmigen. </span></div><div class=\"ps18923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells<span id=\"i94519903db074a6fbbecc76be6eb372b\"></span></span></div><div class=\"ps18924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI \u00fcberpr\u00fcft die Zielsetzung des Gesch\u00e4ftsmodells, im Rahmen dessen ein finanzieller Verm\u00f6genswert verwaltet wird, auf </span></div><div class=\"ps18925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolioebene, da dies am besten die Art und Weise widerspiegelt, wie das Gesch\u00e4ft gesteuert wird und wie der </span></div><div class=\"ps18926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsleitung Informationen zur Verf\u00fcgung gestellt werden. Folgende Faktoren werden bei der \u00dcberpr\u00fcfung, welches <span class=\"f ps24\"> </span></span></div><div class=\"ps18927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodell zutreffend ist, als Nachweis ber\u00fccksichtigt:</span></div><div class=\"ps18928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Art und Weise der Beurteilung der Performance des Gesch\u00e4ftsmodells (und der im Rahmen dieses Gesch\u00e4ftsmodells </span></div><div class=\"ps18929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">gehaltenen finanziellen Verm\u00f6genswerte) und der diesbez\u00fcglichen Berichterstattung an Mitglieder der </span></div><div class=\"ps18930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Unternehmensleitung</span></div><div class=\"ps17869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risiken, die sich auf die Performance des Gesch\u00e4ftsmodells (und der im Rahmen dieses Gesch\u00e4ftsmodells gehaltenen <span class=\"f ps24\"> </span></span></div><div class=\"ps17870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">finanziellen Verm\u00f6genswerte) auswirken, sowie Art und Weise, wie diese Risiken gesteuert werden</span></div><div class=\"ps18931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ausgestaltung des Verg\u00fctungssystems der F\u00fchrungskr\u00e4fte \u2013 orientiert sich z. B. die Verg\u00fctung am beizulegenden </span></div><div class=\"ps18932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Zeitwert der verwalteten Verm\u00f6genswerte oder an den vereinnahmten vertraglichen Cash-Flows</span></div><div class=\"ps18933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">H\u00e4ufigkeit, Wert und Timing von Verk\u00e4ufen in der Vergangenheit, Gr\u00fcnde f\u00fcr diese Verk\u00e4ufe sowie Erwartungen </span></div><div class=\"ps18934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">bez\u00fcglich der zuk\u00fcnftigen Verkaufsaktivit\u00e4t</span></div><div class=\"ps18935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sind Verk\u00e4ufe und die Vereinnahmung vertraglicher Cash-Flows jeweils f\u00fcr das Gesch\u00e4ftsmodell wesentlich oder </span></div><div class=\"ps18936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">nebens\u00e4chlich (Gesch\u00e4ftsmodell zur Vereinnahmung gehalten gegen\u00fcber Gesch\u00e4ftsmodell Halten und Verkaufen).</span></div><div class=\"ps18937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verm\u00f6genswerte, die mit Handelsabsicht gehalten werden, sowie jene, die verwaltet werden und deren </span></div><div class=\"ps18938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Performance auf Basis des Fair Values beurteilt wird, unterliegen der erfolgswirksamen Bewertung zum Fair Value (FVTPL).</span></div><div class=\"ps18939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Ziel eines Gesch\u00e4ftsmodells kann darin bestehen, finanzielle Verm\u00f6genswerte zu halten, um vertragliche Cash-Flows zu </span></div><div class=\"ps18940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sammeln, selbst wenn ein Verkauf von finanziellen Verm\u00f6genswerten stattgefunden hat oder erwartet wird. F\u00fcr die RBI stehen <span class=\"f ps24\"> </span></span></div><div class=\"ps18941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die folgenden Verk\u00e4ufe mit dem Gesch\u00e4ftsmodell Halten im Einklang:</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verk\u00e4ufe resultieren aus einem Anstieg des Kreditrisikos eines finanziellen Verm\u00f6genswerts.</span></div><div class=\"ps15355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verk\u00e4ufe sind selten (wenn auch signifikant) oder sind einzeln und insgesamt unbedeutend (selbst wenn sie </span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">h\u00e4ufig sind).</span></div><div class=\"ps18900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verk\u00e4ufe erfolgen kurz vor der F\u00e4lligkeit des finanziellen Verm\u00f6genswerts, und die Verkaufserl\u00f6se weichen nicht </span></div><div class=\"ps18942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">wesentlich von dem bei F\u00e4lligkeit zu erzielenden R\u00fcckzahlungsbetrag ab.</span></div><div class=\"ps5827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Anzahl der Verk\u00e4ufe in der RBI ist gering und wird ebenso wie das Volumen der Verk\u00e4ufe aus dem Gesch\u00e4ftsmodell Halten </span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Zeitablauf \u00fcberwacht, um eine Dokumentationsbasis zu haben, dass die diesbez\u00fcglichen Verk\u00e4ufe im Einklang mit dem </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodell Halten stehen. Die Beurteilung erfolgt hier unter Ber\u00fccksichtigung der Regelungen des IFRS 9, wonach </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verk\u00e4ufe aus dem Gesch\u00e4ftsmodell Halten unter anderem auch dann zul\u00e4ssig sein k\u00f6nnen, wenn sie selten (wenn auch </span></div><div class=\"ps18902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant) oder sowohl einzeln als auch insgesamt betrachtet von nicht signifikantem Wert sind (auch wenn h\u00e4ufig).</span></div><div class=\"ps18943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberpr\u00fcfung der Charakteristika der vertraglichen Zahlungsstr\u00f6me<span id=\"i660af2a518004aeaa45c9232b5d0fca7\"></span></span></div><div class=\"ps18944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn die RBI entschieden hat, dass das Gesch\u00e4ftsmodell eines bestimmten Portfolios darin besteht, die finanziellen </span></div><div class=\"ps18945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte mit der Zielsetzung zu halten, die vertraglichen Zahlungsstr\u00f6me zu vereinnahmen (oder sowohl vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps18946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsstr\u00f6me zu vereinnahmen als auch finanzielle Verm\u00f6genswerte zu ver\u00e4u\u00dfern), muss sie \u00fcberpr\u00fcfen, ob die </span></div><div class=\"ps18947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Ausstattungsmerkmale der diesem Portfolio zugeordneten Verm\u00f6genswerte an festgelegten Zeitpunkten zu </span></div><div class=\"ps18948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cash-Flows f\u00fchren, die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen. F\u00fcr diesen </span></div><div class=\"ps18949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweck werden Zinsen definiert als Verg\u00fctung f\u00fcr den Zeitwert des Geldes, f\u00fcr das Kreditrisiko, das sich aus dem f\u00fcr einen </span></div><div class=\"ps18950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum ausstehenden Kapitalbetrag ergibt, f\u00fcr andere aus einer Kreditvereinbarung entstehende Risiken und </span></div><div class=\"ps18951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kosten sowie als Gewinnmarge. Diese \u00dcberpr\u00fcfung wird f\u00fcr jedes Instrument zum Zeitpunkt des erstmaligen Ansatzes des </span></div><div class=\"ps18952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Verm\u00f6genswerts durchgef\u00fchrt.</span></div><div class=\"ps18953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der \u00dcberpr\u00fcfung, ob die vertraglichen Zahlungsstr\u00f6me ausschlie\u00dflich Tilgungs- und Zinszahlungen sind, ber\u00fccksichtigt die </span></div><div class=\"ps18954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI die vertraglichen Ausstattungsmerkmale des Instruments. Dies schlie\u00dft die \u00dcberpr\u00fcfung mit ein, ob der finanzielle </span></div><div class=\"ps18955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswert eine Vertragsbedingung enth\u00e4lt, die den Zeitpunkt oder den Betrag vertraglicher Zahlungsstr\u00f6me so ver\u00e4ndern </span></div><div class=\"ps18956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann, dass diese Bedingung nicht mehr erf\u00fcllt wurde. Die RBI ber\u00fccksichtigt dabei unter anderem:</span></div><div class=\"ps18917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Vereinbarungen \u00fcber vorzeitige R\u00fcckzahlung oder Verl\u00e4ngerung</span></div><div class=\"ps18957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Gehebelte Vereinbarungen</span></div><div class=\"ps18958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Beschr\u00e4nkung der Forderung auf bestimmte Verm\u00f6genswerte oder Cash-Flows</span></div><div class=\"ps18959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Verbriefungen</span></div><div class=\"ps18960 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Nachhaltigkeitsgebundene (ESG-gebundene) Kredite</span></div><div class=\"ps18961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS 9 enth\u00e4lt Regelungen zu Vorf\u00e4lligkeitsentsch\u00e4digungen mit negativer Ausgleichsleistung. Eine negative Verg\u00fctung </span></div><div class=\"ps18962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsteht, wenn die vertraglichen Bedingungen dem Kreditnehmer erlauben, das Instrument vor seiner vertraglichen F\u00e4lligkeit im <span class=\"f ps24\"> </span></span></div><div class=\"ps18963 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Voraus zu bezahlen, der Vorauszahlungsbetrag aber geringer sein k\u00f6nnte als die unbezahlten Betr\u00e4ge von Kapital und Zinsen. </span></div><div class=\"ps18964 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um sich f\u00fcr die Bewertung zu fortgef\u00fchrten Anschaffungskosten zu qualifizieren, muss die negative Verg\u00fctung jedoch eine </span></div><div class=\"ps18965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessene Entsch\u00e4digung f\u00fcr die vorzeitige Beendigung des Vertrags sein. </span></div><div class=\"ps18966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachhaltigkeitsgebundene (ESG-gebundene) Kredite sind so strukturiert, dass ihre Zinss\u00e4tze je nach Erreichung vorab </span></div><div class=\"ps18967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegter Ziele, die im Kreditvertrag definiert sind, durch den Kreditnehmer variieren. Solange die Variabilit\u00e4t der </span></div><div class=\"ps18968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Zahlungsstr\u00f6me nicht mit zus\u00e4tzlichem Leverage, mit einem externen Index, verbunden ist oder unter einem </span></div><div class=\"ps18969 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vordefinierten Schwellenwert liegt, werden die Kredite zu fortgef\u00fchrten Anschaffungskosten ausgewiesen.</span></div><div class=\"ps18970 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00c4nderungen des Zeitwerts des Geldes und Benchmark-Test<span id=\"if412f565b74f472a9ab3cbaf601f4bf7\"></span></span></div><div class=\"ps18971 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Zeitwert des Geldes ist die Zinskomponente, die lediglich die Verg\u00fctung f\u00fcr den Zeitablauf darstellt. Er ber\u00fccksichtigt keine </span></div><div class=\"ps18972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Risiken (Kredit, Liquidit\u00e4t etc.) oder Kosten (Verwaltung etc.), die mit dem Halten eines finanziellen Verm\u00f6genswerts </span></div><div class=\"ps18973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbunden sind. In einigen F\u00e4llen kann die Komponente des Zeitwerts des Geldes modifiziert sein (bezeichnet als nicht perfekt). <span class=\"f ps24\"> </span></span></div><div class=\"ps18974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dies w\u00e4re z. B. dann der Fall, wenn der Zinssatz eines finanziellen Verm\u00f6genswerts regelm\u00e4\u00dfig angepasst wird, die H\u00e4ufigkeit </span></div><div class=\"ps18975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Zinsanpassungen aber von der Zinslaufzeit abweicht. In diesem Fall m\u00fcssen die Modifikationen dahingehend beurteilt </span></div><div class=\"ps18976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, ob die vertraglichen Zahlungsstr\u00f6me ausschlie\u00dflich Tilgungs- und Zinszahlungen darstellen, d. h. ob das </span></div><div class=\"ps18977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modifikationsmerkmal die Zahlungsstr\u00f6me nicht unter Umst\u00e4nden erheblich von denen eines perfekten Benchmark-</span></div><div class=\"ps18937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instruments abweichen l\u00e4sst. </span></div><div class=\"ps18978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um einsch\u00e4tzen zu k\u00f6nnen, ob die Zahlungsstrombedingung erf\u00fcllt ist, hat die RBI einen quantitativen Benchmark-Test </span></div><div class=\"ps18939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entwickelt. Hierbei wird \u00fcberpr\u00fcft, ob sich die undiskontierten modifizierten vertraglichen Zahlungsstr\u00f6me erheblich von den </span></div><div class=\"ps18940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">undiskontierten Zahlungsstr\u00f6men eines Benchmark-Instruments unterscheiden. Das Benchmark-Instrument entspricht mit </span></div><div class=\"ps18941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausnahme der modifizierten Zinskomponenten dem getesteten Verm\u00f6genswert. Zum Zeitpunkt der erstmaligen Erfassung des </span></div><div class=\"ps18979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4fts wird der quantitative Benchmark-Test durchgef\u00fchrt und verwendet 1.000 zukunftsorientierte Simulationen der </span></div><div class=\"ps18980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00fcnftigen Marktzinss\u00e4tze \u00fcber die Laufzeit des jeweiligen finanziellen Verm\u00f6genswerts. Zur Simulation der Szenarien wird eine </span></div><div class=\"ps18981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Normalverteilung der Zinss\u00e4tze angenommen unter Anwendung des Ein-Faktor-Hull-White-Modells. Um den quantitativen </span></div><div class=\"ps18982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Benchmark-Test bestehen zu k\u00f6nnen, darf der getestete finanzielle Verm\u00f6genswert zwei Signifikanzschwellen nicht </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberschreiten. Diese Signifikanzschwellen werden als Quotient zwischen den simulierten Zahlungsstr\u00f6men aus den </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">modifizierten Zinskomponenten und dem Benchmark-Instrument festgelegt. Dieser Quotient darf einerseits innerhalb einer </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperiode (drei Monate) 10 Prozent und anderseits \u00fcber die gesamte Laufzeit des getesteten finanziellen </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts 5 Prozent nicht \u00fcberschreiten. Bei \u00dcberschreitung einer der beiden Signifikanzschwellen gilt der Benchmark-</span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Test als nicht bestanden und der finanzielle Verm\u00f6genswert wird erfolgswirksam zum Fair Value bewertet.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die folgenden vertraglichen Hauptausstattungsmerkmale, die den Zeitwert des Geldes unter Umst\u00e4nden modifizieren </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen, wird ein Benchmark-Test angewandt:</span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Laufzeitinkongruenz bei der Verzinsung (abweichende Referenzzinssatzperiode)</span></div><div class=\"ps18984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ermittlung des Zinssatzes auf Basis eines in der Vergangenheit festgelegten Referenzzinssatzes</span></div><div class=\"ps18985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zinsgl\u00e4ttungsklauseln</span></div><div class=\"ps18986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zinsaussetzung mit Zinskapitalisierung</span></div><div class=\"ps5833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Referenz zu einer Sekund\u00e4rmarktrendite (UDRB: Umlaufgewichtete Durchschnittsrendite f\u00fcr Bundesanleihen).</span></div><div class=\"ps18988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Beziehungen zwischen Bilanzposten und Bewertungsma\u00dfst\u00e4ben <span id=\"if961abed3e1e46dfa3fe7bede3b04cd8\"></span></span></div><div class=\"ps19007 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse: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:64.5pt\"></td><td style=\"padding:0;width:64.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps18989 ss527\"><div><div class=\"ps31 ss525\"><span class=\"f charStyle-1dbd4d87 ps9347\">Wesentlicher Bewertungsma\u00dfstab<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1174\"><div><div class=\"ps3163 ss1173\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva/Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps18990 ss1175\"><div><div class=\"ps1485 ss193\"><span class=\"f charStyle-1dbd4d87 ps30\">Beizulegender<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss193\"><span class=\"f charStyle-1dbd4d87 ps30\">Zeitwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps787 ss1175\"><div><div class=\"ps1485 ss193\"><span class=\"f charStyle-1dbd4d87 ps30\">Fortgef\u00fchrte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss193\"><span class=\"f charStyle-1dbd4d87 ps30\">Anschaffungskosten</span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1176\"><div><div class=\"ps18991 ss1173\"><span class=\"f charStyle-3e64e966 ps30\">Aktivische Klassen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen<span class=\"f ps24\"> </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=\"ps18992 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </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=\"ps18994 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-6d404c82 ps1864\">davon Forderungen aus Finanzierungsleasing</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=\"ps18996 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18997 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18998 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5434 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18999 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5994 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19000 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10862 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19001 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5899 ss1176\"><div><div class=\"ps18991 ss1173\"><span class=\"f charStyle-3e64e966 ps30\">Passivische Klassen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15931 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </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=\"ps19002 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8510 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Verbindlichkeiten aus Finanzierungsleasing<span class=\"f ps24\"> </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=\"ps19003 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6086 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19004 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3795 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19005 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14087 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19006 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Wesentliche bilanzielle Ermessensspielr\u00e4ume und Hauptquellen von <span id=\"i67e7c3004b0a4457ae73f8967aaa2e03\"></span></span></div><div class=\"ps19009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Sch\u00e4tzungsunsicherheiten</span></div><div class=\"ps19010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sind f\u00fcr die Bilanzierung und Bewertung nach IAS/IFRS Sch\u00e4tzungen oder Beurteilungen erforderlich, werden diese in <span class=\"f ps24\"> </span></span></div><div class=\"ps19011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit den jeweiligen Standards vorgenommen. Sie basieren auf historischen Erfahrungen und anderen </span></div><div class=\"ps19012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren wie Planungen und nach heutigem Ermessen wahrscheinlichen Erwartungen oder Prognosen zuk\u00fcnftiger Ereignisse. </span></div><div class=\"ps19013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die den Sch\u00e4tzungen zugrunde liegenden Annahmen unterliegen einer regelm\u00e4\u00dfigen \u00dcberpr\u00fcfung. \u00c4nderungen von </span></div><div class=\"ps19014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sch\u00e4tzungen werden, sofern sie nur eine Periode betreffen, nur in dieser ber\u00fccksichtigt. Falls auch nachfolgende </span></div><div class=\"ps19015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperioden betroffen sind, werden die \u00c4nderungen in der aktuellen und den folgenden Perioden ber\u00fccksichtigt. Die </span></div><div class=\"ps19016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen, Sch\u00e4tzungen und Ermessensentscheidungen betreffen im Wesentlichen die Risikovorsorgen im Kreditgesch\u00e4ft, den </span></div><div class=\"ps19017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert und die Wertminderung von Finanzinstrumenten, die latenten Steuern, R\u00fcckstellungen f\u00fcr Pensionen </span></div><div class=\"ps19018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und pensions\u00e4hnliche Verpflichtungen, R\u00fcckstellungen f\u00fcr Rechtsf\u00e4lle sowie die Berechnungen zur Ermittlung der Werthaltigkeit </span></div><div class=\"ps19019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Firmenwerten und die im Zuge der Erstkonsolidierung aktivierten immateriellen Verm\u00f6genswerte. Die tats\u00e4chlichen Werte </span></div><div class=\"ps19020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen von den gesch\u00e4tzten Werten abweichen.</span></div><div class=\"ps19021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zusammenhang mit Rasperia wurden folgende Sch\u00e4tzungen bzw. Ermessensentscheidungen getroffen: Aufgrund der </span></div><div class=\"ps19022 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ge\u00e4nderten Einsch\u00e4tzung des Managements hinsichtlich der Vollstreckung der Anspr\u00fcche in die \u00f6sterreichischen </span></div><div class=\"ps19023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6gensgegenst\u00e4nde der Rasperia wurden die erwarteten Erl\u00f6se in H\u00f6he von \u20ac 1.204 Millionen im Juni 2025 ausgebucht. Im <span class=\"f ps24\"> </span></span></div><div class=\"ps19024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2025 wurde f\u00fcr das zweite Rasperia-Verfahren eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebildet. Details dazu </span></div><div class=\"ps19026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps16819\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps19025\"> ersichtlich. Im Zusammenhang mit der Beurteilung der Kontrolle von AO Raiffeisenbank </span></div><div class=\"ps19027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 10 wird auf das Kapitel Konsequenzen und Analysen der kriegerischen Auseinandersetzung zwischen Russland und </span></div><div class=\"ps19028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Ukraine verwiesen.</span></div><div class=\"ps19029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der doppelten Wesentlichkeitsanalyse f\u00fcr die konsolidierte nichtfinanzielle Erkl\u00e4rung 2025 wurde die finanzielle </span></div><div class=\"ps19030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlichkeit von Nachhaltigkeitsaspekte im kurzfristigen, mittelfristigen und langfristigen Bereich betrachtet. Kurzfristig </span></div><div class=\"ps19031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">definiert als der Berichtszeitraum des Konzernabschlusses wurden keine wesentlichen finanziellen Risiken aus </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachhaltigkeitsaspekten festgestellt, bis auf Klagen in Zusammenhang mit Themen des Konsumentenschutzes. Daher enth\u00e4lt </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzernabschluss keine gesonderten Angaben zu nachhaltigkeitsbezogenen Unsicherheiten, die die Sch\u00e4tzungsannahmen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlich beeinflussen. Ein Zeitraum von mehr als f\u00fcnf Jahren wurde als langfristig betrachtet, wobei hier eine moderate </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wahrscheinlichkeit besteht, dass der Klimawandel das Kreditrisiko des Kundenportfolios erheblich beeinflusst. F\u00fcr weitere </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelheiten wird auf das Kapitel </span><span class=\"f charStyle-e6305a27 ps19032\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\">IRO-1: Verfahren zur Ermittlung und Bewertung der wesentlichen Auswirkungen, Risiken und </a></span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-e6305a27 ps17\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\">Chancen</a></span><span class=\"f charStyle-e6305a27 ps15453\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\"> </a></span><span class=\"f charStyle-9eccfdcb ps19033\">und Punkt</span><span class=\"f charStyle-9eccfdcb ps19034\"> </span><span class=\"f charStyle-9eccfdcb ps19035\">(31) Erwartete Kreditverluste</span><span class=\"f charStyle-9eccfdcb ps19036\"> verwiesen.</span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der geopolitischen Lage ist die RBI zudem erh\u00f6hten Risiken im Zusammenhang mit Fremdw\u00e4hrungsumrechnungen </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesetzt. Details dazu finden sich im Kapitel W\u00e4hrungsumrechnung.</span></div><div class=\"ps19037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Wertminderungen im Kreditgesch\u00e4ft<span id=\"if4406bcdd5314f5d85a3e58c2c68cfdf\"></span></span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ermittelt die erwarteten Kreditverluste (Expected Credit Losses, ECL) aus den als Verm\u00f6genswerte gehaltenen </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldinstrumenten, die zu fortgef\u00fchrten Anschaffungskosten bzw. erfolgsneutral zum Fair Value angesetzt werden, sowie aus </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzusagen, Leasingforderungen und Finanzgarantien. Die Berechnung erwarteter Kreditverluste erfordert die Anwendung </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Sch\u00e4tzungen, die von den tats\u00e4chlichen Ergebnissen abweichen k\u00f6nnen. Um die H\u00f6he der Wertminderung zu ermitteln, sind </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentliche Kreditrisikoparameter wie PD (Probability of Default), LGD (Loss Given Default) und EAD (Exposure at Default) sowie </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunfts</span><span class=\"f charStyle-9eccfdcb ps19039\">orientierte Informationen (Konjunkturprognosen) vom Management zu sch\u00e4tzen. Die erwarteten Kreditverluste werden </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu jedem Berichtsstichtag angepasst. IFRS 9 verlangt die Beurteilung, ob ein signifikanter Anstieg des Kreditrisikos vorliegt, ohne </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">detaillierte Leitlinien zu geben. Daher sind zur Beurteilung spezifische Regeln festgelegt worden, welche aus qualitativen </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen und quantitativen Schwellenwerten bestehen. Die Methoden zur Bestimmung der H\u00f6he der Wertminderung sind </span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9) erl\u00e4utert. Quantitative Angaben sowie Sensitivit\u00e4tsanalysen <span class=\"f ps24\"> </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps16819\">(31) Erwartete Kreditverluste</span><span class=\"f charStyle-9eccfdcb ps19045\"> dargest</span><span class=\"f charStyle-9eccfdcb ps19046\">ellt. Bei der Berechnung erwarteter Kreditverluste sind </span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen erforderlich, insbesondere bei der Ber\u00fccksichtigung von Risiken, die von den Modellen nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessen abgebildet werden wie Overlays und andere Risikofaktoren f\u00fcr Sanktions- und geopolitische Risiken.<span class=\"f ps24\"> </span></span></div><div class=\"ps19050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fair Value von Finanzinstrumenten <span id=\"i1b3790c702394520aa44fb8df9c50da8\"></span></span></div><div class=\"ps19051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der beizulegende Zeitwert (Fair Value) ist jener Preis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen Marktteilnehmer:innen </span></div><div class=\"ps19052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am Bemessungsstichtag f\u00fcr den Verkauf eines Verm\u00f6genswerts eingenommen bzw. f\u00fcr die \u00dcbertragung einer Schuld gezahlt </span></div><div class=\"ps19053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden w\u00fcrde. Dies gilt unabh\u00e4ngig davon, ob der Preis direkt beobachtbar oder unter Anwendung einer Bewertungsmethode </span></div><div class=\"ps19054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesch\u00e4tzt worden ist. Bei der Ermittlung des beizulegenden Zeitwerts eines Verm\u00f6genswerts oder einer Schuld ber\u00fccksichtigt </span></div><div class=\"ps19055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzern bestimmte Merkmale des Verm\u00f6genswerts oder der Schuld (z. B. Zustand und Standort des Verm\u00f6genswerts oder <span class=\"f ps24\"> </span></span></div><div class=\"ps19056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verkaufs- und Nutzungsbeschr\u00e4nkungen), wenn Marktteilnehmer:innen diese Merkmale bei der Preisfestlegung f\u00fcr den Erwerb </span></div><div class=\"ps19057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des jeweiligen Verm\u00f6genswerts oder die \u00dcbertragung der Schuld zum Bewertungsstichtag ebenfalls ber\u00fccksichtigen w\u00fcrden. <span class=\"f ps24\"> </span></span></div><div class=\"ps19058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist der Markt f\u00fcr ein Finanzinstrument nicht aktiv, wird der Fair Value anhand einer Bewertungsmethode oder eines <span class=\"f ps24\"> </span></span></div><div class=\"ps19059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preismodells ermittelt. Generell werden f\u00fcr Bewertungsmethoden Sch\u00e4tzungen herangezogen, deren Ausma\u00df von der </span></div><div class=\"ps19060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Komplexit\u00e4t des Instruments und der Verf\u00fcgbarkeit marktbasierter Daten abh\u00e4ngt. Die Input-Parameter f\u00fcr diese Modelle </span></div><div class=\"ps19061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden so weit wie m\u00f6glich von beobachtbaren Marktdaten abgeleitet, trotzdem sind vielfach nicht beobachtbare Marktdaten </span></div><div class=\"ps19062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich. Unter Umst\u00e4nden sind Bewertungsanpassungen notwendig, um weiteren Faktoren wie Modellrisiken, </span></div><div class=\"ps19063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisiken oder Kreditrisiken Rechnung zu tragen. Die Beschreibung der Bewertungsmodelle findet sich im Abschnitt </span></div><div class=\"ps19064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten. Zus\u00e4tzlich werden die Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps19068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Values von Finanzinstrumenten unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19065\">(23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten</span><span class=\"f charStyle-9eccfdcb ps19066\"> </span><span class=\"f charStyle-9eccfdcb ps19067\">dargestellt. </span></div><div class=\"ps19069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">R\u00fcckstellungen f\u00fcr Rechtsstreitigkeiten<span id=\"i272d300e15e04fd0b670227f6bab3bc2\"></span></span></div><div class=\"ps19070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen werden gebildet, wenn der Konzern eine gegenw\u00e4rtige Verpflichtung aus einem vergangenen Ereignis hat und </span></div><div class=\"ps19071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sowohl wahrscheinlich ist, dass er verpflichtet sein wird, diese zu erf\u00fcllen, als auch eine verl\u00e4ssliche Sch\u00e4tzung des Betrags </span></div><div class=\"ps19072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glich ist. Der angesetzte R\u00fcckstellungsbetrag ist der am Bilanzstichtag bestm\u00f6gliche Sch\u00e4tzwert f\u00fcr die Leistung, die unter </span></div><div class=\"ps19073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der der Verpflichtung zugrunde liegenden Risiken und Unsicherheiten hinzugeben ist, um die gegenw\u00e4rtige </span></div><div class=\"ps19074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtung zu erf\u00fcllen. Risiken und Unsicherheiten sind bei der Sch\u00e4tzung ber\u00fccksichtigt. In einigen F\u00e4llen werden Klagen von </span></div><div class=\"ps19075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Reihe von Privatkund:innen eingebracht. Der Bemessung der R\u00fcckstellung wird in solchen F\u00e4llen ein statistischer Ansatz </span></div><div class=\"ps19076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde gelegt. Diese Ans\u00e4tze ber\u00fccksichtigen sowohl statistische Daten, soweit diese relevant sind, als auch </span></div><div class=\"ps19077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen, insbesondere im Zusammenhang mit den zuk\u00fcnftig erwarteten Klagen und Verlusten. Details zu </span></div><div class=\"ps19078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen insbesondere f\u00fcr CHF- und Euro-Kredite in Polen sowie die R\u00fcckstellung betreffend die Rechtsstreitigkeit </span></div><div class=\"ps19081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia in Russland sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19079\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps19080\"> dargestellt.</span></div><div class=\"ps19082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">R\u00fcckstellung f\u00fcr Pensionen und pensions\u00e4hnliche Verpflichtungen <span id=\"i76ca121668394c61a79ad5c5c1ef5604\"></span></span></div><div class=\"ps19083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kosten des leistungsorientierten Pensionsplans werden mittels versicherungsmathematischer Verfahren bewertet. Die </span></div><div class=\"ps19084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versicherungsmathematische Bewertung basiert auf Annahmen zu k\u00fcnftigen Gehaltsentwicklungen, Sterblichkeit und <span class=\"f ps24\"> </span></span></div><div class=\"ps19085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00fcnftigen Pensionsanhebungen. Eine erhebliche Ermessensentscheidung ist hier bei der Festlegung der Parameter notwendig. <span class=\"f ps24\"> </span></span></div><div class=\"ps19086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bestimmung des Rechnungszinssatzes wird zur Ableitung von erwarteten Renditen auf die Zinsempfehlung von Mercer </span></div><div class=\"ps19087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcckgegriffen. Die wesentlichen Kriterien bei der Auswahl der Unternehmensanleihen beinhalten das Ausgabevolumen und </span></div><div class=\"ps19088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Qualit\u00e4t der Anleihen sowie die Identifizierung von Ausrei\u00dfern, die nicht ber\u00fccksichtigt werden. Annahmen und Sch\u00e4tzungen, </span></div><div class=\"ps19089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die f\u00fcr die Berechnung langfristiger Personalverpflichtungen angewandt werden, sind im Abschnitt Verpflichtungen f\u00fcr </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionen und aus anderen Leistungen nach der Beendigung des Arbeitsverh\u00e4ltnisses beschrieben. Quantitative Angaben zu </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Personalr\u00fcckstellungen finden sich unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19091\">(27) R\u00fcckstellungen</span><span class=\"f charStyle-9eccfdcb ps19092\">.</span></div><div class=\"ps13775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aktive latente Steuern<span id=\"i335f03667dfc4708a5e96e1e52df3d2e\"></span></span></div><div class=\"ps19093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Latente Steuerforderungen werden in dem Umfang ausgewiesen, in dem es wahrscheinlich ist, dass zuk\u00fcnftig ausreichend zu </span></div><div class=\"ps19094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versteuernde Ergebnisse zur Verf\u00fcgung stehen werden, mit denen diese steuerlichen Verlustvortr\u00e4ge, Steuerguthaben oder </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steuerlich abzugsf\u00e4higen tempor\u00e4ren Differenzen verrechnet werden k\u00f6nnen. Dazu wird ein Planungshorizont von f\u00fcnf Jahren </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herangezogen. In diesem Zeitraum ist auf Basis der Planung eine verl\u00e4ssliche Sch\u00e4tzung der steuerlichen Ergebnisse m\u00f6glich. </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Bewertung erfordert in ma\u00dfgeblichem Umfang Beurteilungen und Einsch\u00e4tzungen seitens des Managements. Das </span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management verwendet f\u00fcr die Bestimmung der latenten Steuerforderungen historische Erkenntnisse zu Steuerkapazit\u00e4t und </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Profitabilit\u00e4t sowie gegebenenfalls prognostizierte Gesch\u00e4ftsergebnisse auf Basis genehmigter Gesch\u00e4ftspl\u00e4ne einschlie\u00dflich </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Pr\u00fcfung der Vortragsf\u00e4higkeit steuerlicher Verlustvortr\u00e4ge. Quantitative Angaben zu latenten Steuern finden sich unter </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Punkt</span><span class=\"f charStyle-9eccfdcb ps19101\"> </span><span class=\"f charStyle-9eccfdcb ps19102\">(11) Steuern</span><span class=\"f charStyle-9eccfdcb ps19103\">.</span></div><div class=\"ps19105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberpr\u00fcfung der Charakteristika der vertraglichen Zahlungsstr\u00f6me<span id=\"i0bf8c1515ea84755a164c257cdecbd2e\"></span></span></div><div class=\"ps19106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Neben der Gesch\u00e4ftsmodellbedingung ist auch eine Analyse der Zahlungsstr\u00f6me eines finanziellen Verm\u00f6genswerts notwendig, </span></div><div class=\"ps19107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um eine Zuordnung in die Bewertungskategorien zu fortgef\u00fchrten Anschaffungskosten oder at Fair Value Through Other </span></div><div class=\"ps19108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Comprehensive Income zu erreichen. Um die Zahlungsstrombedingung zu erf\u00fcllen, d\u00fcrfen die Zahlungsstr\u00f6me lediglich aus Zins- </span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Tilgungszahlungen des ausstehenden Kapitalbetrags bestehen. Diese Analyse, ob es sich bei vertraglichen Cash-Flows </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte ausschlie\u00dflich um Zins- und Tilgungszahlungen handelt, unterliegt wesentlichen <span class=\"f ps24\"> </span></span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen. In der RBI werden unter Ber\u00fccksichtigung der einzelnen Vertragsmerkmale von finanziellen </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten Ermessensentscheidungen im Wesentlichen bei Krediten, die mit inkongruenten Zinskomponenten </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgestattet sind, getroffen. Um einsch\u00e4tzen zu k\u00f6nnen, ob die Zahlungsstrombedingung erf\u00fcllt ist, ist unter Umst\u00e4nden zur </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beurteilung eines ver\u00e4nderten Elements f\u00fcr den Zeitwert des Geldes ein Benchmark-Test notwendig. </span></div><div class=\"ps19115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest des Firmenwerts<span id=\"icd2892bc469148e6bc36feed5538baed\"></span></span></div><div class=\"ps19116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden j\u00e4hrlich auf Ebene zahlungsmittelgenerierender Einheiten auf ihren k\u00fcnftigen wirtschaftlichen Nutzen </span></div><div class=\"ps19117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberpr\u00fcft. Sollte es w\u00e4hrend des laufenden Gesch\u00e4ftsjahres Anhaltspunkte geben, dass eine Wertminderung vorliegen k\u00f6nnte, </span></div><div class=\"ps19118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird ein Werthaltigkeitstest zum jeweiligen Bilanzstichtag durchgef\u00fchrt. Im Zuge des Werthaltigkeitstests sind wesentliche </span></div><div class=\"ps19119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen, Annahmen und Sch\u00e4tzungen insbesondere hinsichtlich des Zeitpunkts und der H\u00f6he der zuk\u00fcnftigen <span class=\"f ps24\"> </span></span></div><div class=\"ps19124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Cash-Flows und des Diskontierungszinssatzes erforderlich. Siehe auch Punk</span><span class=\"f charStyle-9eccfdcb ps19120\">t </span><span class=\"f charStyle-9eccfdcb ps19121\">(8) \u00dcbriges Ergebnis</span><span class=\"f charStyle-9eccfdcb ps19122\"> und Punkt </span><span class=\"f charStyle-9eccfdcb ps19123\">(25) </span></div><span class=\"f charStyle-9eccfdcb ps17\">Sachanlagen und immaterielle Verm\u00f6genswerte</span><span class=\"f charStyle-9eccfdcb ps19125\">.</span><div class=\"ps19128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeit von at-equity bewerteten Unternehmen<span id=\"ifcfaf3bf06fd4be495522ff9aa03b403\"></span></span></div><div class=\"ps19129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Buchwerte der at-equity bewerteten Unternehmen sind auf ihre Werthaltigkeit zu pr\u00fcfen, wenn objektive Anzeichen f\u00fcr eine </span></div><div class=\"ps19130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorliegen. Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer </span></div><div class=\"ps19131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligung h\u00f6her ist als ihr erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die als Anzeichen <span class=\"f ps24\"> </span></span></div><div class=\"ps19132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr eine Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein </span></div><div class=\"ps19133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnte, wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. Wenn die objektiven Anzeichen einer Wertminderung nicht </span></div><div class=\"ps19134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr vorliegen, kommt es zu einer Wertaufholung. Diese Wertaufholung erfolgt jedoch nur bis zum Betrag, der sich ergeben </span></div><div class=\"ps19135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte, wenn keine Wertminderung erfasst worden w\u00e4re. Das bedeutet, dass der Buchwert des Anteils an dem assoziierten </span></div><div class=\"ps19136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen nicht \u00fcber dem anteiligen Eigenkapital liegen darf. Die wesentlichen Ermessensentscheidungen und Sch\u00e4tzungen </span></div><div class=\"ps19137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Zusammenhang mit dem Werthaltigkeitstest betreffen insbesondere den Diskontierungszinssatz, die Planungsannahmen </span></div><div class=\"ps19140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und die k\u00fcnftigen zu erwartenden Zahlungsstr\u00f6me. Details sind unter Punkt</span><span class=\"f charStyle-9eccfdcb ps19138\"> </span><span class=\"f charStyle-9eccfdcb ps19139\">(24) Anteile an Tochterunternehmen und </span></div><div class=\"ps19142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">assoziierten Unternehmen</span><span class=\"f charStyle-9eccfdcb ps19141\"> dargestellt.</span></div><div class=\"ps19143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Anwendung von neuen und ge\u00e4nderten Standards<span id=\"i4773065f81d14abb86e69ded1a1f94ad\"></span></span></div><div class=\"ps19144 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">IFRS-\u00c4nderungen mit erstmaliger Anwendung 2025<span id=\"i5cab207696004a06adc5fb58d1c2ebda\"></span></span></div><div class=\"ps19145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgenden \u00c4nderungen der IFRS sind im aktuellen Berichtszeitraum in Kraft getreten (und wurden von der EU \u00fcbernommen), </span></div><div class=\"ps19146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wobei sich keine wesentlichen Auswirkungen auf die Finanz- und Ertragslage der RBI ergaben: <span class=\"f ps24\"> </span></span></div><div class=\"ps19147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen an IAS 21. Mangel an Umtauschbarkeit</span></div><div class=\"ps19148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Anstehende IFRS-\u00c4nderungen nach 2025<span id=\"i15fb9b2c7b1a4f2c9ac18a64367c17ad\"></span></span></div><div class=\"ps19149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Von der vorzeitigen Anwendung der nachstehenden neuen oder ge\u00e4nderten Standards und Interpretationen, die zwar </span></div><div class=\"ps19150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verabschiedet wurden, deren Anwendung aber noch nicht verpflichtend ist, wurde abgesehen. Die RBI pr\u00fcft deren m\u00f6gliche </span></div><div class=\"ps19151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen auf den Konzern.</span></div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Erstmalige Anwendung in 2026 (von der EU \u00fcbernommen)<span id=\"ic0e8897ec9704978932873cb46b98e19\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">J\u00e4hrliche Verbesserungen, Ausgabe 11</span></div><div class=\"ps19152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen an IFRS 9 und IFRS 7. Vertr\u00e4ge, die sich auf naturabh\u00e4ngigen Strom beziehen</span></div><div class=\"ps19153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen an IFRS 9 und IFRS 7. Klassifizierung und Bewertung von Finanzinstrumenten</span></div><div class=\"ps19154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Von der erstmaligen Anwendung der oben genannten \u00c4nderungen werden voraussichtlich keine wesentlichen Auswirkungen </span></div><div class=\"ps19155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf den Konzernabschluss der RBI erwartet.</span></div><div class=\"ps19156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Erstmalige Anwendung in 2027 (von der EU noch nicht \u00fcbernommen)<span class=\"f ps24\"> </span><span id=\"i684a0b50b9ab4597bc947a9ef5c29ced\"></span></span></div><div class=\"ps19157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Neuer Standard IFRS 18. Darstellung und Angaben in Finanzberichten. Die RBI analysiert die Auswirkungen dieses </span></div><div class=\"ps19158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">neuen Standards in einem koordinierten Ansatz mit unterschiedlichen Arbeitsgruppen. Der Standard wird ab 1. J\u00e4nner </span></div><div class=\"ps19159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">2027 zu \u00c4nderungen in der Darstellung der Gewinn- und Verlustrechnung sowie zu Erg\u00e4nzungen im Anhang f\u00fchren. </span></div><div class=\"ps19160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Die RBI erwartet keine signifikante Auswirkung auf die Finanz- und Ertragslage des Konzerns.</span></div><div class=\"ps19161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen an IAS 21. Umrechnung von Finanzinformationen in Hochinflationsw\u00e4hrungen</span></div><div class=\"ps19162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich ver\u00f6ffentlichte der IASB im Mai 2024 den neuen Rechnungslegungsstandard IFRS 19, Tochterunternehmen ohne </span></div><div class=\"ps19163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6ffentliche Rechenschaftspflicht: Angaben, der jedoch f\u00fcr den Konzernabschluss der RBI keine Anwendung findet.</span></div><div class=\"ps19164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">W\u00e4hrungsumrechnung<span id=\"i03115bf0838e412c9c2842227d08b91a\"></span></span></div><div class=\"ps19165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzernabschluss wurde in Euro, der funktionalen W\u00e4hrung der RBI AG, aufgestellt. Die funktionale W\u00e4hrung ist die </span></div><div class=\"ps16946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrung des prim\u00e4ren Wirtschaftsumfelds, in dem die Gesellschaft t\u00e4tig ist. Jedes Unternehmen innerhalb des Konzerns legt </span></div><div class=\"ps16950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung aller in IAS 21 angef\u00fchrten Faktoren seine eigene funktionale W\u00e4hrung fest. Die in einer anderen <span class=\"f ps24\"> </span></span></div><div class=\"ps19166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">funktionalen W\u00e4hrung als dem Euro aufgestellten Abschl\u00fcsse der Unternehmen des Vollkonsolidierungskreises wurden nach der <span class=\"f ps24\"> </span></span></div><div class=\"ps19167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">modifizierten Stichtagskursmethode gem\u00e4\u00df IAS 21 in die Berichtsw\u00e4hrung Euro umgerechnet. Dabei wurde das Eigenkapital mit </span></div><div class=\"ps19168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seinem historischen Kurs, alle anderen Aktiva und Passiva sowie Anhangangaben wurden mit dem Stichtagskurs angesetzt. Aus </span></div><div class=\"ps19169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der W\u00e4hrungsumrechnung der Eigenkapitalbestandteile (historische Kurse) resultierende Differenzen werden mit den </span></div><div class=\"ps19170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinnr\u00fccklagen verrechnet. </span></div><div class=\"ps19171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Posten der Erfolgsrechnung wurden mit dem Durchschnittskurs des Jahres auf Basis der Monatsultimokurse berechnet. </span></div><div class=\"ps19172 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig von der Entwicklung des W\u00e4hrungskurses und der Art der Gesch\u00e4ftstransaktion kann es in Einzelf\u00e4llen dazu kommen, </span></div><div class=\"ps19173 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass statt des Durchschnittskurses der tats\u00e4chliche Transaktionskurs herangezogen wird. Dies kann insbesondere bei </span></div><div class=\"ps19174 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Einmaleffekten der Fall sein, im Berichtsjahr traf dies insbesondere auf die von einem russischen Rechtsfall </span></div><div class=\"ps19175 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Rasperia Trading Limited) betroffenen Posten in der Erfolgsrechnung zu. W\u00e4hrungsdifferenzen zwischen dem Stichtagskurs in </span></div><div class=\"ps19176 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Bilanz und dem Durchschnittskurs in der Erfolgsrechnung wurden mit dem Eigenkapital (kumuliertes sonstiges Ergebnis) </span></div><div class=\"ps19177 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verrechnet. </span></div><div class=\"ps19178 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Abgang eines ausl\u00e4ndischen Gesch\u00e4ftsbetriebs, der zum Verlust der Beherrschung, der gemeinschaftlichen F\u00fchrung oder </span></div><div class=\"ps19179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des ma\u00dfgeblichen Einflusses f\u00fchrt, wird der entsprechende, bis zu diesem Zeitpunkt kumuliert in der W\u00e4hrungsumrechnungs-</span></div><div class=\"ps19180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">r\u00fccklage erfasste Betrag als Teil des Ergebnisses aus Entkonsolidierungen in die Erfolgsrechnung umgegliedert.</span></div><div class=\"ps19254 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-1dbd4d87 ps19181\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19183 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-1dbd4d87 ps11237\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps19184 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps397\">Stichtag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps17667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps13441\">Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19185 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps397\">Stichtag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19186 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps13441\">Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Kurse in W\u00e4hrung pro \u20ac<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19188 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19187\">31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17671 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19189\">1.1.-31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19190 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19187\">31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19191 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19189\">1.1.-31.12.<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Albanischer Lek (ALL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19193 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19192\">96,770<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17677 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19194\">98,009<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19195 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps468\">98,150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19197 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19196\">100,760<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1181\"><div><div class=\"ps5730 ss742\"><span class=\"f charStyle-6d404c82 ps30\">Belarus-Rubel (BYN)</span><span class=\"f charStyle-ef1a5293 ps19198\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps868\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps868\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps19200\">3,787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps19202\">3,517<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19204 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Bosnische Marka (BAM)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19206 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19207 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19208 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19209 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5996 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Polnischer Zloty (PLN)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19211 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19210\">4,221<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19213 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19212\">4,240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19214 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17592\">4,275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19215 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19212\">4,305<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19216 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nischer Leu (RON)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19218 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19217\">5,097<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19219 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps5659\">5,040<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19221 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19220\">4,974<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19223 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19222\">4,975<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5473 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Russischer Rubel (RUB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19224 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10716\">93,540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19225 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps4121\">94,928<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19226 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17469\">113,833<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19227 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps7901\">101,322<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5534 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Serbischer Dinar (RSD)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19228 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10094\">117,282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19229 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9390\">117,197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19230 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9391\">117,015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19232 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19231\">117,084<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6043 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechische Krone (CZK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19233 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18735\">24,237<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19234 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18498\">24,695<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19235 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18383\">25,185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19237 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19236\">25,123<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4554 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ukrainische Hrywnja (UAH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19238 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9390\">49,857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19239 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps16295\">46,962<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19241 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19240\">43,927<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19242 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17185\">43,471<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15489 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarischer Forint (HUF)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19244 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19243\">385,150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19245 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17577\">397,728<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19246 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17232\">411,350<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19247 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17798\">395,971<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4601 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">US-Dollar (USD)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19248 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps1172\">1,175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19250 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19249\">1,124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19251 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17167\">1,039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19253 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19252\">1,083<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5482 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Aufgrund des Verkaufs der belarussischen Einheiten wurde f\u00fcr das Jahresende 2024 der Kurs per 30. November 2024 verwendet.<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der geopolitischen Lage ist die RBI erh\u00f6hten Risiken im Zusammenhang mit Fremdw\u00e4hrungsumrechnungen </span></div><div class=\"ps19256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesetzt. Die EZB stellte die Ver\u00f6ffentlichung eines offiziellen EUR/RUB-Wechselkurses im M\u00e4rz 2022 ein und neben dem </span></div><div class=\"ps19257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">theoretischen, offiziellen Umrechnungskurs (von der russischen Zentralbank ermittelter Kurs: On-Shore-Kurs) bildete sich ein </span></div><div class=\"ps19258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">tats\u00e4chlich und faktisch erreichbarer Umrechnungskurs (z. B. von Refinitiv oder Electronic Broking Service, EBS, ermittelter Kurs: </span></div><div class=\"ps19259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Off-Shore-Kurs). </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist diesen Risiken insbesondere bei der Umrechnung monet\u00e4rer Fremdw\u00e4hrungsposten und bei der Umrechnung </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollkonsolidierter ausl\u00e4ndischer Gesch\u00e4ftsbetriebe ausgesetzt. Gem\u00e4\u00df IAS 21 muss bei der Umrechnung monet\u00e4rer Posten in </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die funktionale W\u00e4hrung der jeweilige Stichtagskurs verwendet werden. Der Stichtagskurs ist als jener Kurs definiert, der bei </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sofortiger Ausf\u00fchrung zum Tragen kommen w\u00fcrde. Hier ist insbesondere zu ber\u00fccksichtigen, ob zum Abschlussstichtag ein <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">amtlich notierter Kurs erh\u00e4ltlich und zur sofortigen Abrechnung verf\u00fcgbar ist. Sind mehrere Wechselkurse verf\u00fcgbar, so ist </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IAS 21.26 jener Wechselkurs zu verwenden, zu dem die k\u00fcnftigen Zahlungsstr\u00f6me aus der Transaktion zum </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzstichtag abgerechnet h\u00e4tten werden k\u00f6nnen. Zusammenfassend ist die RBI zu dem Schluss gekommen, dass dieser Kurs </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum 31. Dezember 2025 im Wesentlichen dem Off-Shore-Kurs entsprochen h\u00e4tte, welcher entsprechend in der </span></div><div class=\"ps3802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungsumrechnung von Fremdw\u00e4hrungspositionen in Rubel verwendet wurde, wenn die funktionale W\u00e4hrung des </span></div><div class=\"ps3803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetriebs nicht dem Rubel entsprach. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber Tochterunternehmen, die in einer anderen funktionalen W\u00e4hrung bilanzieren als der Berichtsw\u00e4hrung des </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns. Die Umrechnung vollkonsolidierter ausl\u00e4ndischer Gesch\u00e4ftsbetriebe in die Berichtsw\u00e4hrung der RBI hat gem\u00e4\u00df </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IAS\u00a021.39 zu erfolgen:</span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Mit dem Stichtagskurs zum Erstellungszeitpunkt (Verm\u00f6genswerte und Schulden)</span></div><div class=\"ps19261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Mit dem im Zeitpunkt der jeweiligen Transaktionen g\u00fcltigen Wechselkurse bzw. vereinfachungshalber gegebenenfalls </span></div><div class=\"ps19262 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">mit einem Durchschnittskurs (Ertr\u00e4ge und Aufwendungen).</span></div><div class=\"ps19263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hierzu ist wie bei der Umrechnung von Fremdw\u00e4hrungstransaktionen die Bestimmung geeigneter Wechselkurse notwendig. </span></div><div class=\"ps4200 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcblicherweise wird hierf\u00fcr jener W\u00e4hrungskurs verwendet, der bei der Umrechnung von Dividenden aus dem ausl\u00e4ndischen </span></div><div class=\"ps4201 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetrieb oder f\u00fcr eventuelle Kapitalr\u00fcckf\u00fchrungen angewandt werden w\u00fcrde. Aufgrund der eingef\u00fchrten staatlichen </span></div><div class=\"ps4202 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen in Russland geht die RBI zum Bilanzstichtag davon aus, dass Zahlungsmittelr\u00fcckfl\u00fcsse aus dem ausl\u00e4ndischen </span></div><div class=\"ps19264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetrieb in Russland derzeit nicht zum offiziellen Wechselkurs der russischen Zentralbank umgerechnet werden </span></div><div class=\"ps19265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnten, vielmehr k\u00e4me hier der tats\u00e4chlich und faktisch erreichbare Kurs zum Tragen. In Transaktionen mit internationalen </span></div><div class=\"ps19266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Banken wird hierf\u00fcr \u00fcblicherweise der Off-Shore-Kurs verwendet, entsprechend wurde der ausl\u00e4ndische Gesch\u00e4ftsbetrieb in </span></div><div class=\"ps19267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland zum Bilanzstichtag zu diesem Kurs umgerechnet. Zum Bilanzstichtag bestand nur eine unwesentliche Differenz </span></div><div class=\"ps19268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen dem EUR/RUB-Wechselkurs von Refinitiv und jenem der russischen Zentralbank.</span></div><div class=\"ps19269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Konsolidierungskreis<span id=\"ia9c88a10fff441c28fa7658d5b52d39d\"></span></span></div><div class=\"ps19288 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1184\"><div><div class=\"ps264 ss1183\"><span class=\"f charStyle-1dbd4d87 ps19270\">Vollkonsolidierung<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand Beginn der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">192<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode erstmals einbezogen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode verschmolzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode ausgeschieden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19277\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand Ende der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19279\">170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sitz in \u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19280\">100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18454\">107<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sitz im Ausland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19281\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19282\">75<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Banken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19286\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Anbieter von Nebenleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Finanzholdings<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps808\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erstkonsolidierungen<span id=\"icd2cbbf5968f4b9382f58c5a03ce3704\"></span></span></div><div class=\"ps19297 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:268.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:84.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9572 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps12468\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19292 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps19291\">Inkludiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19293 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-1dbd4d87 ps30\">Grund<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen investicni spolecnost a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19294 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #929292;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19295 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19296 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entkonsolidierungen<span id=\"i63e787e7314845d9aff1fdac3bdb5b18\"></span></span></div><div class=\"ps19337 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:268.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:84.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9572 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps12468\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19292 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps19298\">Exkludiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19293 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-1dbd4d87 ps30\">Grund<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Aedificium Banca pentru Locuinte S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19294 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19295 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10693\">1.6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19296 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">in Liquidation<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">CUPIDO Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19299 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19300 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps12176\">1.5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19301 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">RL Grundst\u00fcckverwaltung Klagenfurt-S\u00fcd GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19302 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19303 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps12176\">1.5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19304 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">AGIOS Raiffeisen-Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19305 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9587\"></span><span class=\"ps9587\">51,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19306 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10693\">1.6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19307 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">RIL XIV Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19308 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19310 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19311 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing-Projektfinanzierung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19312 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19313 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19314 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">SOLAR II Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19315 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0%<span style=\"display:inline-block;height:4.56pt;width:1.45pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19316 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19317 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19318 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19320 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19321 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH &amp; Co Projekt Lauterbach KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19322 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12739\"></span><span class=\"ps12739\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19323 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19324 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">LYRA Raiffeisen Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19325 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19326 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19327 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Anbieter von Nebenleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Borna Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19328 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19329 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19330 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Erfurt Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19331 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19332 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19333 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Schleswig Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19334 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19335 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19336 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Konsequenzen und Analysen der kriegerischen Auseinandersetzung <span id=\"i749618f8607e4b7885106ea1fcf5470c\"></span></span></div><div class=\"ps19340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">zwischen Russland und der Ukraine</span></div><div class=\"ps19341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Unternehmensfortf\u00fchrung (Going Concern)<span id=\"if4dcd2709c9349b7b8bbd71e36a098a8\"></span></span></div><div class=\"ps19344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand der RBI hat den Konzernabschluss zum 31. Dezember </span><span class=\"f charStyle-9eccfdcb ps19342\">2025</span><span class=\"f charStyle-9eccfdcb ps19343\"> basierend auf dem Grundsatz der </span></div><div class=\"ps19345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensfortf\u00fchrung erstellt, da er nicht beabsichtigt, die RBI zu liquidieren, und dies auf Grundlage der derzeit </span></div><div class=\"ps19346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgbaren Informationen als realistische Absicht angesehen wird.<span class=\"f ps24\"> </span></span></div><div class=\"ps2143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber die erforderlichen wirtschaftlichen Ressourcen, um die laufenden aufsichtsrechtlichen Anforderungen zu <span class=\"f ps24\"> </span></span></div><div class=\"ps19347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllen und den Gesch\u00e4fts- und Liquidit\u00e4tsbedarf finanzieren zu k\u00f6nnen, die unter anderem das Liquidit\u00e4ts- und <span class=\"f ps24\"> </span></span></div><div class=\"ps19348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsprofil, einschlie\u00dflich Prognosen der internen Liquidit\u00e4tskennzahlen und der aufsichtsrechtlichen </span></div><div class=\"ps19349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsdeckungsquoten umfassen. Die j\u00fcngsten intern durchgef\u00fchrten Stresstest-Szenarien f\u00fcr den Liquidit\u00e4ts- und </span></div><div class=\"ps19350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalbedarf zeigten, dass die RBI \u00fcber angemessene Ressourcen verf\u00fcgt, um m\u00f6glichen Abw\u00e4rtsszenarien standzuhalten. </span></div><div class=\"ps19351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich verf\u00fcgt die RBI \u00fcber robuste Systeme, um die Unterbrechung des Gesch\u00e4ftsbetriebs in einem Kriegsgebiet </span></div><div class=\"ps19352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzufedern. </span></div><div class=\"ps19353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand der RBI sieht keine wesentlichen Unsicherheiten im Hinblick auf die Annahme einer positiven Fortbestehungs-</span></div><div class=\"ps19354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognose. Diese Annahme ist mit Datum der Genehmigung des zu ver\u00f6ffentlichenden Gesch\u00e4ftsbericht, dem 17. Februar 2026, </span></div><div class=\"ps19355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr mindestens ein Jahr g\u00fcltig. </span></div><div class=\"ps19356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kontrolltatbestand<span id=\"iae9f045c5fdb4a9ca5bded94040293f2\"></span></span></div><div class=\"ps19357 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das wirtschaftliche und politische Umfeld infolge des Kriegs k\u00f6nnte darauf hindeuten, dass sich die F\u00e4higkeit des Investors zur </span></div><div class=\"ps19358 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beherrschung des Tochterunternehmens gem\u00e4\u00df IFRS 10 in den betroffenen Gebieten ver\u00e4ndert hat. In der RBI sind davon die </span></div><div class=\"ps19359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ukraine und Russland betroffen.<span class=\"f ps24\"> </span></span></div><div class=\"ps19360 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Beurteilung, ob Beherrschung vorliegt, \u00fcberpr\u00fcft die RBI entsprechend den Anforderungen von IFRS 10 unter anderem, ob </span></div><div class=\"ps19361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sie schwankenden Renditen aus ihrem Engagement in den Beteiligungsunternehmen ausgesetzt ist, beziehungsweise Anrechte </span></div><div class=\"ps19362 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf diese besitzt und die F\u00e4higkeit hat, diese Renditen mittels ihrer Verf\u00fcgungsgewalt \u00fcber das Beteiligungsunternehmen zu </span></div><div class=\"ps19363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen. Sind Stimmrechte ma\u00dfgeblich, beherrscht die RBI ein Unternehmen, wenn sie direkt oder indirekt mehr als 50 </span></div><div class=\"ps19364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent der Stimmrechte an dem Unternehmen besitzt, ausgenommen es gibt Anzeichen, dass ein anderer Investor \u00fcber die </span></div><div class=\"ps19365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">praktische M\u00f6glichkeit verf\u00fcgt, die relevanten T\u00e4tigkeiten einseitig zu bestimmen. \u00c4hnlich beurteilt die RBI das Vorliegen einer </span></div><div class=\"ps19366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beherrschung in F\u00e4llen, in denen sie nicht die Mehrheit der Stimmrechte besitzt, aber die praktische M\u00f6glichkeit zur einseitigen </span></div><div class=\"ps19367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Lenkung der relevanten T\u00e4tigkeiten hat. Dies kann der Fall sein, wenn die RBI aufgrund der Gr\u00f6\u00dfe und Verteilung des </span></div><div class=\"ps19368 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stimmrechtsbesitzes der Anteilseigner die M\u00f6glichkeit zur Beherrschung der relevanten T\u00e4tigkeiten besitzt. Wenn Tatsachen </span></div><div class=\"ps19369 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Umst\u00e4nde darauf hindeuten, dass sich ein oder mehrere Elemente der Beherrschung ge\u00e4ndert haben, wird neu beurteilt, ob </span></div><div class=\"ps19370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Kontrolle \u00fcber das Beteiligungsunternehmen noch besteht.</span></div><div class=\"ps19371 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Beurteilung der Tatsachen und Umst\u00e4nde pr\u00fcft die RBI sorgf\u00e4ltig, ob es aufgrund des Kriegs oder der verh\u00e4ngten </span></div><div class=\"ps19372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen zu Ver\u00e4nderungen gekommen ist, welche die F\u00e4higkeit zur Aus\u00fcbung ihrer Rechte oder zur Einhaltung der </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Governance-Bestimmungen in Bezug auf die Tochtergesellschaft erheblich einschr\u00e4nkt. Die RBI kommt weiterhin zum Schluss, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass keine \u00c4nderungen im Hinblick auf die Beurteilung der Beherrschung vorliegt und es zu keinem Beherrschungsverlust \u00fcber </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Tochterunternehmen in den betroffenen Gebieten kam.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einer Gerichtsverhandlung am 4. August 2025 gab der Kassationsgerichtshof in St. Petersburg dem Antrag der AO </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank auf Aufhebung der einstweiligen Verf\u00fcgung statt und hob das \u00dcbertragungsverbot f\u00fcr die Aktien der AO </span></div><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank auf</span><div class=\"ps19375 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Pro-forma-Darstellung der Gewinn- und Verlustrechnung sowie der Bilanz ohne <span id=\"i472c927036c2431685dcd380cac284e2\"></span></span></div><div class=\"ps19376 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Russland basierend auf IFRS 5</span></div><div class=\"ps19377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Obwohl die Voraussetzungen f\u00fcr die Anwendung von IFRS 5 derzeit nicht vorliegen, zeigen die folgenden Tabellen die Pro-<span class=\"f ps24\"> </span></span></div><div class=\"ps19378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">forma-Gewinn- und Verlustrechnung sowie die Bilanz der RBI, wie sie nach Anwendung der Regelungen f\u00fcr aufgegebene </span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbereiche gem\u00e4\u00df IFRS 5 f\u00fcr die russischen Einheiten aussehen w\u00fcrde. Folglich wurde das konsolidierte Ergebnis der <span class=\"f ps24\"> </span></span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Einheiten in den Posten Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen umgegliedert.</span></div><div class=\"ps19381 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund der Schwierigkeit, m\u00f6gliche zuk\u00fcnftige Entwicklungen einzusch\u00e4tzen, wird ein potenzieller Verlust aus der </span></div><div class=\"ps19106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entkonsolidierung, der sich aus dem Verlust des Nettoverm\u00f6gens sowie der Umgliederung aus dem sonstigen Ergebnis in die </span></div><div class=\"ps19107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn- und Verlustrechnung zusammensetzt, nicht in den Tabellen dargestellt. Die Umgliederung aus dem sonstigen Ergebnis </span></div><div class=\"ps19108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte keine Auswirkung auf das regulatorische Kapital sowie die Kapitalquoten der RBI und erg\u00e4be sich vorwiegend aus </span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">historischen W\u00e4hrungsschwankungen. </span></div><div class=\"ps19382 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter Einbeziehung des Periodenergebnisses sowie des vollst\u00e4ndigen Verlusts des Nettoverm\u00f6gens bei Entkonsolidierung der </span></div><div class=\"ps19385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Einheiten erg\u00e4be sich f\u00fcr die RBI eine harte Kernkapitalquote von 15,5 Prozent verglichen mit </span><span class=\"f charStyle-9eccfdcb ps19383\">17,9</span><span class=\"f charStyle-9eccfdcb ps19384\"> Prozent, wenn die </span></div><div class=\"ps19386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Gesch\u00e4ftst\u00e4tigkeiten einbezogen bleiben.</span></div><div class=\"ps19566 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps17418\">RBI<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19388 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps19387\">Pro-forma-IFRS 5-Effekt Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19389 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps9627\">RBI Pro-forma-IFRS 5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps51 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zins\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19396 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12625\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19397 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17204\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19399 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19398\">-1.617<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19401 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19400\">-1.498<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19403 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19402\">4.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19404 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps16496\">4.281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4171\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8758\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19410\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8758\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Laufendes Ergebnis aus assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19414 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19413\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8926\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19416 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19417 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17371\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19418 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19413\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19420 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19419\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Provisions\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17772\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19423 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19422\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19424 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12614\">-739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19425\">-808<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19427 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17770\">1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19429 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19428\">1.830<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Handelsergebnis und Ergebnis aus Fair-Value-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps7864\">253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19431 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps4132\">111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19432 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18553\">-261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19433\">-41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19435 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17473\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19436 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps15111\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19437 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19439 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19440 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19441 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10720\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19442 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges betriebliches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19444 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19443\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19445 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17548\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19447 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19446\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19448 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11126 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17496\">141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19449 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17779\">92<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19450 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps67\">9.097<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19451 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps415\">8.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19452 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11549\">-2.627<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14260 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps1538\">-2.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19453 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps360\">6.470<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19454 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6729\">6.361<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Personalaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19455 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps279\">-2.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10357\">-2.053<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19458 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19457\">522<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19459 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7891\">347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19460 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps13156\">-1.825<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19462 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19461\">-1.706<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sachaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19464 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19463\">-1.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19465 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11298\">-1.261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19467 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19466\">90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19468 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17407\">85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19469 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11298\">-1.192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19470 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19398\">-1.176<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Abschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19471 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7987\">-506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19472 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8449\">-472<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19474 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19473\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19475 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18709\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19476 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps3820\">-439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19477 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8448\">-428<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5197 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Verwaltungsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19479 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19478\">-4.134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19480 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps80\">-3.786<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19482 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19481\">679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19484 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19483\">476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19485 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9387\">-3.456<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19486 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps10357\">-3.310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19487 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps14906\">4.963<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19488 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps17762\">4.915<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19489 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6065\">-1.949<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19490 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6383\">-1.865<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19491 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps17764\">3.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19493 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19492\">3.050<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbriges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19495 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19494\">-1.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19496 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps9445\">-1.590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19497 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17761\">1.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19499 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19498\">843<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19500 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1511\">-310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19501 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12558\">-748<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5543 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Staatliche Ma\u00dfnahmen und Pflichtabgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19502 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps56\">-270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19503 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18553\">-216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19504 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17456\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19505 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19410\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19506 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8448\">-248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19507 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8062\">-185<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen auf finanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19509 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19508\">-141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19511 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19510\">-125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19512 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17793\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14356 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18553\">-162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19513 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18553\">-192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19515 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19514\">-287<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6477 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19516 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps67\">2.634<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19517 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps366\">2.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19518 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13926\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19519 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps15654\">-1.154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19520 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps100\">2.263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19521 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps138\">1.830<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13120 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19523 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19522\">-1.013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19525 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19524\">-953<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19526 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12617\">492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19527 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps13442\">399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19528 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19510\">-521<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19529 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps252\">-554<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13129 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesch\u00e4ftsbereichen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19530 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6723\">1.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19531 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12624\">2.031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19533 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19532\">122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19534 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13444\">-755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19536 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19535\">1.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19538 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19537\">1.275<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15503 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19539 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19540 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12614\">-673<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19542 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19541\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19544 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19543\">755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19545 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19541\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19546 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17462\">82<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13587 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19547 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6723\">1.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19549 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19548\">1.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19550 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19551 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19552 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6723\">1.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19553 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19548\">1.358<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5497 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19554 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8332\">-250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19555 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7223\">-201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19556 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19557 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19558 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8332\">-250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19559 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7223\">-201<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6579 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19560 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps113\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19561 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps438\">1.157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19562 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19563 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19564 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps113\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19565 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps438\">1.157<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps17418\">RBI<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19388 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps19387\">Pro-forma-IFRS 5-Effekt Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19389 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps9627\">RBI Pro-forma-IFRS 5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19396 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps187\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19567\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19568\">-11.119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19401 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps78\">-3.906<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19403 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19569\">24.221<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19404 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps9387\">30.965<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11934\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19571 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps6192\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19572 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps6458\">-5.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19573\">-10.533<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19575 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7194\">150.159<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19577 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19576\">137.169<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps62\">4.486<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19580 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19579\">3.610<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19581 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8750\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps9585\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19583 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps1706\">4.483<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19585 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19584\">3.606<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">- Mandatorily Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19586 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17915\">1.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19537\">1.094<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19588 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14225 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19589 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17915\">1.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19590 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19537\">1.094<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19591 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps7791\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19593 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19592\">304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19594 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19595 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19596 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps7791\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19597 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19592\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19598 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps40\">7.230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19600 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19599\">5.945<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19602 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19601\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19603 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18132\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19604 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12635\">7.196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19606 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19605\">5.925<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19607 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17761\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19609 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19608\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19610 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18683\">-47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19612 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19611\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19614 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19613\">1.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19615 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1623\">1.009<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10913 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19616 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps15126\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19617 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12478\">-234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19618 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19194\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19619 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19410\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11133 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12558\">-355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19620 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8332\">-205<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19621 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17791\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19622 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps10640\">871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19623 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17371\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19624 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17371\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19625 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17223\">943<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19626 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8064\">870<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19627 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12592\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19628\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19630 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8448\">-248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19631 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19510\">-187<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19632 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps16873\">1.481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19634 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19633\">1.496<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19635 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17704\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19637 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19636\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19639 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19638\">-148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19640 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17672\">-90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19641 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17726\">959<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19642 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7817\">913<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19644 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19643\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19646 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19645\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19647 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19648 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps9585\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19649 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19643\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19650 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10640\">125<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19651 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17427\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19653 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19652\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19654 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19643\">-76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19656 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19655\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19657 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17779\">92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19658 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17554\">98<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19659 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18468\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19660 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19661 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps6236\">17.073<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19662 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps1569\">14.890<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19663 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11281\">17.077<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19664 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps9799\">14.899<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7931 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19665 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7448\">1.344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19666 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17913\">1.636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19668 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19667\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19669 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17793\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19670 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12592\">1.279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19671 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12608\">1.585<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1680 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19672 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11153\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19673 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9377\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19674 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19675 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19676 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11153\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19677 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9377\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19724 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps17418\">RBI<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19388 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps19387\">Pro-forma-IFRS 5-Effekt Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19389 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps9627\">RBI Pro-forma-IFRS 5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19396 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7195\">170.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7194\">163.316<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7125\">-10.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19401 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps6365\">-8.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19403 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12957\">159.859<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19404 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1597\">154.321<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11922\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17704\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11922\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17704\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19678\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19580 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps13098\">9.304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19581 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19679\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19583 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19678\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19585 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19402\">9.292<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12617\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19423 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19428\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19424 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19680\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19541\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19427 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12617\">924<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19429 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12620\">1.186<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19681\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19431 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19524\">-359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19432 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8832\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19435 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12611\">-341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19436 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19608\">-340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19437 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19683\">2.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19684\">2.902<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19439 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12554\">-497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19440 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12774\">-961<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19441 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19425\">2.177<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19442 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps3820\">1.941<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19444 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19685\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19445 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18487\">217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19447 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19685\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19448 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19686\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11126 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19270\">106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19449 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12450\">173<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19450 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17407\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19451 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15180\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19452 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps9585\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14260 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17695\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19453 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15109\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19454 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15180\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19455 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19458 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps13156\">11.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19459 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11961\">10.388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19460 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps13156\">11.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19462 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11961\">10.388<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19687 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12583\">1.594<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19688 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17913\">1.663<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19690 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19689\">-171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19691 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12630\">-263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19692 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps111\">1.423<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19693 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17757\">1.400<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19694 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8547\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19695 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11962\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19696 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19697 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19698 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8547\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19699 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11962\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps1864\">Konzern-Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19700 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps317\">19.452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19701 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps422\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19702 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19703 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19704 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps317\">19.452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19705 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps422\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps1864\">Kapital nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19706 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19628\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19707 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12608\">1.260<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19708 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19709 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11149 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19628\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19710 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12608\">1.260<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11746 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps1864\">Zus\u00e4tzliches Kernkapital (AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19711 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11332\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19713 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19712\">1.781<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19714 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19715 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19716 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11332\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19717 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19712\">1.781<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13562 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19718 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11153\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19719 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9377\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19720 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19721 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19722 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11153\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19723 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9377\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Konzentrationsrisiko<span id=\"id486c8f4115e4b91a1a93c79ce6a6fb8\"></span></span></div><div class=\"ps19727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seit dem Kriegsausbruch in der Ukraine sind die Aktivit\u00e4ten der RBI in Russland und in der Ukraine einem erh\u00f6hten Risiko </span></div><div class=\"ps19728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesetzt. Das erh\u00f6hte Risiko ergibt sich aus einer Reihe von Faktoren wie die Zerst\u00f6rung von Lebensgrundlagen und </span></div><div class=\"ps19729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Infrastruktur in der Ukraine, den Verlust und die Blockierung von H\u00e4fen, gegen Russland verh\u00e4ngte Sanktionen, die Ungewissheit </span></div><div class=\"ps19730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber die Dauer des Kriegs sowie die Preisinstabilit\u00e4t und den wirtschaftlichen R\u00fcckgang in den betroffenen L\u00e4ndern. Die <span class=\"f ps24\"> </span></span></div><div class=\"ps19731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehenden Forderungen in Russland und in der Ukraine werden in den folgenden Tabellen dargestellt. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erste Tabelle zeigt eine Aufteilung des Nettobuchwerts nach IFRS-Bewertungskategorien sowie das Nominale der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">au\u00dferbilanziellen Gesch\u00e4fte abz\u00fcglich der darauf entfallenden Wertminderungen. Die zweite Tabelle zeigt das </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzentrationsrisiko anhand von Gegenparteien, wobei Derivate des Handelsbuchs separat dargestellt werden.<span class=\"f ps24\"> </span></span></div><div class=\"ps19753 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps19733\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10335 ss1194\"><div><div class=\"ps3137 ss715\"><span class=\"f charStyle-1dbd4d87 ps19734\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12501\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18489\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11927\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12501\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18489\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11927\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19396 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19735\">6.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps32\">2.395<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps6015\">8.740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19401 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1647\">12.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19403 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps13014\">2.473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19404 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10357\">14.598<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19736\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps7838\">979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17573\">982<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18468\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps3144\">770<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19686\">774<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">- Mandatorily Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19580 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19581 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19583 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19585 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19586 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19588 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14225 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19589 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19590 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19591 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19419\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19593 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4132\">111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19594 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19737\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19595 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15180\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19596 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18120\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19597 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7828\">174<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12884 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19739 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19738\">6.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19740 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps123\">3.486<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19741 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps118\">9.885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19742 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13409\">12.185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19743 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps118\">3.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19744 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9810\">15.549<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19745 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17774\">2.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19746 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19608\">1.401<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19747 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12629\">3.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19748 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps453\">2.018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19749 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps1631\">1.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19750 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12625\">3.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19616 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19751\">8.674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19617 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18567\">4.887<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19618 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19567\">13.561<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19619 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps10119\">14.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11133 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps7127\">4.412<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19620 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19752\">18.615<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19795 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps19733\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10335 ss1194\"><div><div class=\"ps3137 ss715\"><span class=\"f charStyle-1dbd4d87 ps19734\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12501\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18489\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11927\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12501\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18489\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11927\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19396 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17263\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17263\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19401 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15180\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19403 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19404 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18709\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1458\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8084\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7864\">387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps40\">5.697<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17759\">255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19605\">5.952<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19414 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12597\">1.958<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19579\">1.306<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19416 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps32\">3.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19417 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19754\">1.078<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19418 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12630\">1.129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19420 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps489\">2.207<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19755 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps3220\">1.553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19652\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19757 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12635\">1.769<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19758 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12597\">1.985<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19759 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12617\">593<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19760 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19683\">2.579<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19761 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19652\">162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19419\">64<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19763 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19685\">227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19764 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1501\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19765 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19413\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19766 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19652\">192<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3845 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7808\">789<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19767 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17915\">1.437<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19769 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19768\">2.226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19771 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19770\">1.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11119 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12620\">1.198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19772 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps93\">2.580<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3851 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19425\">1.772<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19773 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4181\">196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19774 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15881\">1.968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19775 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12567\">1.831<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19776 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7817\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19777 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19633\">1.994<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19778 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19738\">6.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19779 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps123\">3.486<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19780 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps118\">9.885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19781 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13409\">12.185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19782 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps118\">3.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19783 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9810\">15.549<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19784 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17774\">2.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19785 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19608\">1.401<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19786 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12629\">3.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19787 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps453\">2.018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19788 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps1631\">1.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19789 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12625\">3.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19790 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19751\">8.674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19791 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18567\">4.887<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19792 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19567\">13.561<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14274 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps10119\">14.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19793 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps7127\">4.412<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19794 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19752\">18.615<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zu den Auswirkungen auf die Modelle zur Berechnung der Wertminderungen gem\u00e4\u00df IFRS 9 wird auf Punkt </span></span><span class=\"f charStyle-26fbf26f ps19796\"><span style=\"background-color:inherit\">(31) Erwartete </span></span></div><div class=\"ps19799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditverluste</span></span><span class=\"f charStyle-26fbf26f ps19798\"><span style=\"background-color:inherit\"> verwiesen.</span></span></div><div class=\"ps19800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeit der Sicherheiten in der Ukraine<span id=\"i09006ecd447a45af986f7d4f4f6f8e30\"></span></span></div><div class=\"ps19801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Immobilienmarkt ist weiterhin stark vom Krieg betroffen, passt sich aber gleichzeitig den neuen Realit\u00e4ten an. Im Westen <span class=\"f ps24\"> </span></span></div><div class=\"ps19802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Ukraine nimmt die Nachfrage nach Gesch\u00e4ften und Lagerimmobilien zu, was ebenfalls zu Preissteigerungen f\u00fchrt, jene </span></div><div class=\"ps19803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach B\u00fcroimmobilien nimmt jedoch ab. Die Preise auf dem prim\u00e4ren Wohnimmobilienmarkt sind im Jahr 2025 in fast allen <span class=\"f ps24\"> </span></span></div><div class=\"ps19804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regionen gestiegen. In den besetzten Gebieten werden die Sicherheiten als nicht anrechenbar eingestuft. In jenen Regionen, </span></div><div class=\"ps19805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welche einem hohem Risiko von Feindseligkeiten oder Besetzung ausgesetzt sind, wurden deutlich h\u00f6here Abschl\u00e4ge </span></div><div class=\"ps19806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt. F\u00fcr andere Gebiete der Ukraine finden laufend Vor-Ort-Besuche und Bewertungen statt.</span></div><div class=\"ps19807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest f\u00fcr das Sachanlageverm\u00f6gen und immaterielle Verm\u00f6genswerte<span id=\"iaad67818e9a045fabadb1519c7ea40a7\"></span></span></div><div class=\"ps19808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund der kriegerischen Auseinandersetzung zwischen Russland und der Ukraine wurde in beiden L\u00e4ndern das </span></div><div class=\"ps19809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachanlageverm\u00f6gen und die immateriellen Verm\u00f6genswerte gem\u00e4\u00df IAS 36 auf Indikatoren \u00fcberpr\u00fcft, die zu einer </span></div><div class=\"ps19810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung f\u00fchren k\u00f6nnten.</span></div><div class=\"ps19811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Ukraine wurde jenes Sachanlageverm\u00f6gen, welches sich in den besetzten Gebieten befindet, bereits im Jahr 2022 auf null </span></div><div class=\"ps19812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschrieben. Alle anderen Sachanlageverm\u00f6genswerte werden einzeln begutachtet und wenn es zu Sch\u00e4digungen kommt, </span></div><div class=\"ps19813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wertberichtigt. Daraus ergaben sich im Gesch\u00e4ftsjahr 2025 Zuschreibungen von unter \u20ac 1 Million (Vorjahr: Zuschreibungen unter </span></div><div class=\"ps19814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 1 Million).</span></div><div class=\"ps19815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Durch ver\u00e4nderte Marktpreise, Zinss\u00e4tze, Mietpreise und leerstehende Immobilien aufgrund der aktuellen geopolitischen Lage </span></span></div><div class=\"ps19816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und einer detaillierteren Bewertung ergaben sich in Russland aus dem Werthaltigkeitstest f\u00fcr Sachanlagen Wertminderungen in </span></span></div><div class=\"ps19817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der H\u00f6he von rund \u20ac 1 Million (Vorjahr: Zuschreibungen \u20ac 8 Millionen). Aus dem Werthaltigkeitstest f\u00fcr immaterielle </span></span></div><div class=\"ps19818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Verm\u00f6genswerte ergaben sich in der Berichtsperiode Wertminderungen von \u20ac 3 Millionen (Vorjahr: Zuschreibungen unter \u20ac 1 </span></span></div>Million).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-401": {
   "value": "<div class=\"ps2609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Grundlagen und Grunds\u00e4tze der <span id=\"ia514179afd5f42e68e9b31a7a65aab47\"></span></span></div><div class=\"ps18849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Konzernrechnungslegung</span></div><div class=\"ps18850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Grunds\u00e4tze der Erstellung<span id=\"i2919ba7f9e45429c9fd79ae5d2d7ba1c_2717\"></span><span id=\"i63d33559cf6442c0a5833c776d74bb22\"></span></span></div><div class=\"ps18851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzernabschluss wird in \u00dcbereinstimmung mit den vom International Accounting Standards Board (IASB) </span></div><div class=\"ps18852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herausgegebenen International Financial Reporting Standards (IFRS) und den auf Basis der IAS Verordnung (EG) 1606/2002 durch </span></div><div class=\"ps18853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die EU \u00fcbernommenen internationalen Rechnungslegungsstandards einschlie\u00dflich der anzuwendenden Interpretationen des </span></div><div class=\"ps18854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">International Financial Reporting Interpretations Committee (IFRIC/SIC) erstellt. Noch nicht anzuwendende Standards und </span></div><div class=\"ps18855 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Interpretationen, welche von der EU ver\u00f6ffentlicht und \u00fcbernommen wurden, sind im Abschnitt noch nicht anzuwendende </span></div><div class=\"ps18856 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Standards und Interpretationen (EU-Endorsement ist bereits erfolgt) erl\u00e4utert. </span></div><div class=\"ps18857 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiters erf\u00fcllt der Konzernabschluss die Voraussetzungen des \u00a7 245a UGB und des \u00a7 59a BWG \u00fcber befreiende </span></div><div class=\"ps18858 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschl\u00fcsse nach international anerkannten Rechnungslegungsgrunds\u00e4tzen. </span></div><div class=\"ps18859 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Verm\u00f6genswert wird in der Bilanz angesetzt, wenn es wahrscheinlich ist, dass der k\u00fcnftige wirtschaftliche Nutzen dem </span></div><div class=\"ps18860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen zuflie\u00dfen wird, und wenn seine Anschaffungs- oder Herstellungskosten oder ein anderer Wert verl\u00e4sslich </span></div><div class=\"ps18861 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden k\u00f6nnen. Eine Schuld wird in der Bilanz angesetzt, wenn es wahrscheinlich ist, dass sich aus der Erf\u00fcllung einer </span></div><div class=\"ps18862 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegenw\u00e4rtigen Verpflichtung ein direkter Abfluss von Ressourcen ergeben wird, die wirtschaftlichen Nutzen enthalten, und </span></div><div class=\"ps18863 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn deren Erf\u00fcllungsbetrag verl\u00e4sslich bewertet werden kann. Davon ausgenommen sind bestimmte Finanzinstrumente, die </span></div><div class=\"ps18864 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum beizulegenden Zeitwert am Bilanzstichtag angesetzt werden. Ertr\u00e4ge werden, sofern die zugrunde liegenden Vertr\u00e4ge </span></div><div class=\"ps18865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Anwendungsbereich von IFRS 9 oder IFRS 16 fallen, erfasst, wenn es unter Einhaltung der Bedingungen des IFRS 15 </span></div><div class=\"ps12092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich ist, dass der wirtschaftliche Nutzen dem Konzern zuflie\u00dfen wird, und die H\u00f6he der Ertr\u00e4ge verl\u00e4sslich bestimmt </span></div><div class=\"ps12093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden kann.</span><span class=\"f charStyle-9eccfdcb ps18866\"> Der vorliegende Konzernabschluss wurde basierend auf dem Grundsatz der Unternehmensfortf\u00fchrung erstellt. </span></div><div class=\"ps18867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Grundlage f\u00fcr den Konzernabschluss bilden die auf Basis der IFRS-Bestimmungen nach konzerneinheitlichen Standards </span></div><div class=\"ps18868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstellten Berichtspakete aller vollkonsolidierten Unternehmen. Alle wesentlichen Tochtergesellschaften erstellen ihre </span></div><div class=\"ps18869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresabschl\u00fcsse per 31. Dezember. Einige au\u00dferhalb des Anhangs gemachte IFRS-Angaben sind wesentliche Bestandteile des </span></div><div class=\"ps18870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschlusses. Dabei handelt es sich im Wesentlichen um Erl\u00e4uterungen zu den Segmentergebnissen, die in den Angaben </span></div><div class=\"ps18873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Segmentberichterstattung dargestellt werden. Ausf\u00fchrliche Erl\u00e4uterungen gem\u00e4\u00df IFRS 7 sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps18871\">(41) Kreditrisiko</span><span class=\"f charStyle-9eccfdcb ps18872\">, </span></div><div class=\"ps18877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps18874\"> und </span><span class=\"f charStyle-9eccfdcb ps18875\">(43) Liquidit\u00e4tsmanagement</span><span class=\"f charStyle-9eccfdcb ps18876\"> dargestellt. Die Darstellung dieser Informationen erfolgt in \u00dcbereinstimmung </span></div><div class=\"ps18878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit IFRS 8 Gesch\u00e4ftssegmente bzw. IFRS 7 Angaben zu Finanzinstrumenten.</span></div><div class=\"ps18879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und <span id=\"ifd020ee4f3a64b62a182f8da84dfa865\"></span></span></div><div class=\"ps18880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">finanziellen Verbindlichkeiten</span></div><div class=\"ps18881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Finanzinstrument ist ein Vertrag, der gleichzeitig bei einem Gesch\u00e4ftspartner zu einem finanziellen Verm\u00f6genswert und </span></div><div class=\"ps18882 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim anderen zu einer finanziellen Schuld oder einem Eigenkapitalinstrument f\u00fchrt. Beim erstmaligen Ansatz sind </span></div><div class=\"ps18883 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzinstrumente mit dem beizulegenden Zeitwert zu bewerten; dieser entspricht in der Regel dem Transaktionspreis zum </span></div><div class=\"ps18884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt. Stellt eine Konzerneinheit fest, dass der beizulegende Zeitwert beim erstmaligen Ansatz vom <span class=\"f ps24\"> </span></span></div><div class=\"ps18885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionspreis abweicht, diese Bewertung zum beizulegenden Zeitwert jedoch nicht durch eine Bewertungstechnik belegt <span class=\"f ps24\"> </span></span></div><div class=\"ps18886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, die ausschlie\u00dflich Daten aus beobachtbaren M\u00e4rkten verwendet, dann wird der Buchwert des finanziellen Verm\u00f6genswerts <span class=\"f ps24\"> </span></span></div><div class=\"ps18887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder der finanziellen Verbindlichkeit beim erstmaligen Ansatz angepasst, um die Differenz zwischen der Bewertung zum </span></div><div class=\"ps18888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert und dem Transaktionspreis abzugrenzen. Die abgegrenzte Differenz wird in der Folge nur insoweit als </span></div><div class=\"ps18889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn oder Verlust erfasst, als sie sich aus der \u00c4nderung eines Faktors (einschlie\u00dflich des Zeitpunkts) ergibt, den die </span></div><div class=\"ps18890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktteilnehmer:innen bei der Preisbildung ber\u00fccksichtigen w\u00fcrden. Gem\u00e4\u00df IFRS 13 ist der beizulegende Zeitwert als </span></div><div class=\"ps18891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungspreis definiert. In der Folgebewertung werden Finanzinstrumente in Abh\u00e4ngigkeit von der jeweiligen </span></div><div class=\"ps18892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungskategorie gem\u00e4\u00df IFRS 9 entweder zu (fortgef\u00fchrten) Anschaffungskosten oder zum beizulegenden Zeitwert (Fair </span></div><div class=\"ps18893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value) in der Bilanz angesetzt. </span></div><div class=\"ps18894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Klassifizierung von finanziellen Verm\u00f6genswerten nach IFRS 9 basiert auf zwei Kriterien, einerseits dem Gesch\u00e4ftsmodell </span></div><div class=\"ps18895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter welchem der Verm\u00f6genswert verwaltet wird und andererseits den Charakteristika der vertraglichen Zahlungsstr\u00f6me. F\u00fcr </span></div><div class=\"ps18896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI ergeben sich hieraus f\u00fcnf Kategorien f\u00fcr finanzielle Verm\u00f6genswerte:</span></div><div class=\"ps18897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte (Amortized Cost, AC)</span></div><div class=\"ps18898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erfolgsneutral zum Fair Value bewertete finanzielle Verm\u00f6genswerte (Fair Value Through Other Comprehensive </span></div><div class=\"ps18899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Income, FVOCI)</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zwingend als erfolgswirksam zum Fair Value bewertete finanzielle Verm\u00f6genswerte (Fair Value Through Profit/Loss, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">FVTPL)</span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Optional als erfolgswirksam zum Fair Value bewertete finanzielle Verm\u00f6genswerte (FVTPL) </span></div><div class=\"ps18900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Held For Trading (HFT).</span></div><div class=\"ps3510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bilanzierung der finanziellen Verbindlichkeiten nach IFRS 9 erfolgt \u00fcberwiegend zu (fortgef\u00fchrten) Anschaffungskosten </span></div><div class=\"ps5827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Finanzielle Verbindlichkeiten \u2013 Amortized Cost) unter Anwendung der Effektivzinsmethode mit Ausnahme jener finanziellen </span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zum beizulegenden Zeitwert (Fair Value) bewertet werden. Letztere umfassen jene finanziellen </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zu Handelszwecken gehalten werden (Finanzielle Verbindlichkeiten \u2013 Held For Trading), und solche, die in </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die FVTPL-Kategorie designiert wurden (Finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss). Bei den zum </span></div><div class=\"ps18902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair Value Through Profit/Loss designierten finanziellen Verbindlichkeiten sind die Ver\u00e4nderungen des beizulegenden Zeitwerts, </span></div><div class=\"ps18903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die sich aus Ver\u00e4nderungen des eigenen Ausfallrisikos der RBI ergeben, im sonstigen Ergebnis auszuweisen.</span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach IFRS 9 werden eingebettete Derivate nicht vom Basisvertrag eines finanziellen Verm\u00f6genswerts getrennt. Stattdessen </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden finanzielle Verm\u00f6genswerte gem\u00e4\u00df dem Gesch\u00e4ftsmodell und ihren Vertragsbedingungen klassifiziert, wie im </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschnitt \u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells und im Abschnitt \u00dcberpr\u00fcfung der Charakteristika der vertraglichen </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsstr\u00f6me erl\u00e4utert. Bei Finanzverbindlichkeiten werden eingebettete Derivate nur dann vom Basisinstrument separiert </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und gesondert als Derivat verbucht, wenn deren wirtschaftliche Merkmale und Risiken nicht eng mit den wirtschaftlichen </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Merkmalen und Risiken des Basisvertrags verbunden sind, das eingebettete Derivat der Definition eines Derivats entspricht, und </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das hybride Finanzinstrument keinem finanziellen Verbindlichkeitsposten zugeordnet ist, der zu Handelszwecken gehalten wird, </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder als erfolgswirksam zum Fair Value bewertet eingestuft wird.</span></div><div class=\"ps18912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">N\u00e4here Details zur Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten finden </span></div><span class=\"f charStyle-9eccfdcb ps17\">sich im Anhang bei den jeweiligen Posten der Erfolgsrechnung und der Bilanz</span><div class=\"ps18914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Umklassifizierung finanzieller Verm\u00f6genswerte <span id=\"i9c5f6b5fa0594732a0aa40fca3b74d34\"></span></span></div><div class=\"ps18915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Umklassifizierung ist nur f\u00fcr finanzielle Verm\u00f6genswerte vorgesehen, f\u00fcr finanzielle Verbindlichkeiten ist eine <span class=\"f ps24\"> </span></span></div><div class=\"ps18916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung nicht m\u00f6glich. Eine \u00c4nderung der Bewertungskategorie ist in der RBI nur dann vorgesehen, wenn das </span></div><div class=\"ps18917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodell, das zur Verwaltung eines finanziellen Verm\u00f6genswerts eingesetzt wird, sich \u00e4ndert. Solche \u00c4nderungen </span></div><div class=\"ps18918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">treten erwartungsgem\u00e4\u00df nur sehr selten auf, sie werden vom Management infolge von externen oder internen \u00c4nderungen </span></div><div class=\"ps18919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und m\u00fcssen sowohl f\u00fcr den Betrieb des Unternehmens wesentlich als auch gegen\u00fcber externen Parteien </span></div><div class=\"ps18920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachweisbar sein. Sind diese Voraussetzungen erf\u00fcllt, ist die Umklassifizierung zwingend vorzunehmen. Wenn eine derartige </span></div><div class=\"ps18921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung notwendig ist, ist diese prospektiv ab dem Zeitpunkt der Umklassifizierung vorzunehmen und vom Vorstand </span></div><div class=\"ps18922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI zu genehmigen. </span></div><div class=\"ps18923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells<span id=\"i94519903db074a6fbbecc76be6eb372b\"></span></span></div><div class=\"ps18924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI \u00fcberpr\u00fcft die Zielsetzung des Gesch\u00e4ftsmodells, im Rahmen dessen ein finanzieller Verm\u00f6genswert verwaltet wird, auf </span></div><div class=\"ps18925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolioebene, da dies am besten die Art und Weise widerspiegelt, wie das Gesch\u00e4ft gesteuert wird und wie der </span></div><div class=\"ps18926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsleitung Informationen zur Verf\u00fcgung gestellt werden. Folgende Faktoren werden bei der \u00dcberpr\u00fcfung, welches <span class=\"f ps24\"> </span></span></div><div class=\"ps18927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodell zutreffend ist, als Nachweis ber\u00fccksichtigt:</span></div><div class=\"ps18928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Art und Weise der Beurteilung der Performance des Gesch\u00e4ftsmodells (und der im Rahmen dieses Gesch\u00e4ftsmodells </span></div><div class=\"ps18929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">gehaltenen finanziellen Verm\u00f6genswerte) und der diesbez\u00fcglichen Berichterstattung an Mitglieder der </span></div><div class=\"ps18930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Unternehmensleitung</span></div><div class=\"ps17869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risiken, die sich auf die Performance des Gesch\u00e4ftsmodells (und der im Rahmen dieses Gesch\u00e4ftsmodells gehaltenen <span class=\"f ps24\"> </span></span></div><div class=\"ps17870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">finanziellen Verm\u00f6genswerte) auswirken, sowie Art und Weise, wie diese Risiken gesteuert werden</span></div><div class=\"ps18931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ausgestaltung des Verg\u00fctungssystems der F\u00fchrungskr\u00e4fte \u2013 orientiert sich z. B. die Verg\u00fctung am beizulegenden </span></div><div class=\"ps18932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Zeitwert der verwalteten Verm\u00f6genswerte oder an den vereinnahmten vertraglichen Cash-Flows</span></div><div class=\"ps18933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">H\u00e4ufigkeit, Wert und Timing von Verk\u00e4ufen in der Vergangenheit, Gr\u00fcnde f\u00fcr diese Verk\u00e4ufe sowie Erwartungen </span></div><div class=\"ps18934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">bez\u00fcglich der zuk\u00fcnftigen Verkaufsaktivit\u00e4t</span></div><div class=\"ps18935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sind Verk\u00e4ufe und die Vereinnahmung vertraglicher Cash-Flows jeweils f\u00fcr das Gesch\u00e4ftsmodell wesentlich oder </span></div><div class=\"ps18936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">nebens\u00e4chlich (Gesch\u00e4ftsmodell zur Vereinnahmung gehalten gegen\u00fcber Gesch\u00e4ftsmodell Halten und Verkaufen).</span></div><div class=\"ps18937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verm\u00f6genswerte, die mit Handelsabsicht gehalten werden, sowie jene, die verwaltet werden und deren </span></div><div class=\"ps18938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Performance auf Basis des Fair Values beurteilt wird, unterliegen der erfolgswirksamen Bewertung zum Fair Value (FVTPL).</span></div><div class=\"ps18939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Ziel eines Gesch\u00e4ftsmodells kann darin bestehen, finanzielle Verm\u00f6genswerte zu halten, um vertragliche Cash-Flows zu </span></div><div class=\"ps18940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sammeln, selbst wenn ein Verkauf von finanziellen Verm\u00f6genswerten stattgefunden hat oder erwartet wird. F\u00fcr die RBI stehen <span class=\"f ps24\"> </span></span></div><div class=\"ps18941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die folgenden Verk\u00e4ufe mit dem Gesch\u00e4ftsmodell Halten im Einklang:</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verk\u00e4ufe resultieren aus einem Anstieg des Kreditrisikos eines finanziellen Verm\u00f6genswerts.</span></div><div class=\"ps15355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verk\u00e4ufe sind selten (wenn auch signifikant) oder sind einzeln und insgesamt unbedeutend (selbst wenn sie </span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">h\u00e4ufig sind).</span></div><div class=\"ps18900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verk\u00e4ufe erfolgen kurz vor der F\u00e4lligkeit des finanziellen Verm\u00f6genswerts, und die Verkaufserl\u00f6se weichen nicht </span></div><div class=\"ps18942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">wesentlich von dem bei F\u00e4lligkeit zu erzielenden R\u00fcckzahlungsbetrag ab.</span></div><div class=\"ps5827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Anzahl der Verk\u00e4ufe in der RBI ist gering und wird ebenso wie das Volumen der Verk\u00e4ufe aus dem Gesch\u00e4ftsmodell Halten </span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Zeitablauf \u00fcberwacht, um eine Dokumentationsbasis zu haben, dass die diesbez\u00fcglichen Verk\u00e4ufe im Einklang mit dem </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodell Halten stehen. Die Beurteilung erfolgt hier unter Ber\u00fccksichtigung der Regelungen des IFRS 9, wonach </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verk\u00e4ufe aus dem Gesch\u00e4ftsmodell Halten unter anderem auch dann zul\u00e4ssig sein k\u00f6nnen, wenn sie selten (wenn auch </span></div><div class=\"ps18902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant) oder sowohl einzeln als auch insgesamt betrachtet von nicht signifikantem Wert sind (auch wenn h\u00e4ufig).</span></div><div class=\"ps18943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberpr\u00fcfung der Charakteristika der vertraglichen Zahlungsstr\u00f6me<span id=\"i660af2a518004aeaa45c9232b5d0fca7\"></span></span></div><div class=\"ps18944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn die RBI entschieden hat, dass das Gesch\u00e4ftsmodell eines bestimmten Portfolios darin besteht, die finanziellen </span></div><div class=\"ps18945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte mit der Zielsetzung zu halten, die vertraglichen Zahlungsstr\u00f6me zu vereinnahmen (oder sowohl vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps18946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsstr\u00f6me zu vereinnahmen als auch finanzielle Verm\u00f6genswerte zu ver\u00e4u\u00dfern), muss sie \u00fcberpr\u00fcfen, ob die </span></div><div class=\"ps18947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Ausstattungsmerkmale der diesem Portfolio zugeordneten Verm\u00f6genswerte an festgelegten Zeitpunkten zu </span></div><div class=\"ps18948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cash-Flows f\u00fchren, die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen. F\u00fcr diesen </span></div><div class=\"ps18949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweck werden Zinsen definiert als Verg\u00fctung f\u00fcr den Zeitwert des Geldes, f\u00fcr das Kreditrisiko, das sich aus dem f\u00fcr einen </span></div><div class=\"ps18950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum ausstehenden Kapitalbetrag ergibt, f\u00fcr andere aus einer Kreditvereinbarung entstehende Risiken und </span></div><div class=\"ps18951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kosten sowie als Gewinnmarge. Diese \u00dcberpr\u00fcfung wird f\u00fcr jedes Instrument zum Zeitpunkt des erstmaligen Ansatzes des </span></div><div class=\"ps18952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Verm\u00f6genswerts durchgef\u00fchrt.</span></div><div class=\"ps18953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der \u00dcberpr\u00fcfung, ob die vertraglichen Zahlungsstr\u00f6me ausschlie\u00dflich Tilgungs- und Zinszahlungen sind, ber\u00fccksichtigt die </span></div><div class=\"ps18954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI die vertraglichen Ausstattungsmerkmale des Instruments. Dies schlie\u00dft die \u00dcberpr\u00fcfung mit ein, ob der finanzielle </span></div><div class=\"ps18955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswert eine Vertragsbedingung enth\u00e4lt, die den Zeitpunkt oder den Betrag vertraglicher Zahlungsstr\u00f6me so ver\u00e4ndern </span></div><div class=\"ps18956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann, dass diese Bedingung nicht mehr erf\u00fcllt wurde. Die RBI ber\u00fccksichtigt dabei unter anderem:</span></div><div class=\"ps18917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Vereinbarungen \u00fcber vorzeitige R\u00fcckzahlung oder Verl\u00e4ngerung</span></div><div class=\"ps18957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Gehebelte Vereinbarungen</span></div><div class=\"ps18958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Beschr\u00e4nkung der Forderung auf bestimmte Verm\u00f6genswerte oder Cash-Flows</span></div><div class=\"ps18959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Verbriefungen</span></div><div class=\"ps18960 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Nachhaltigkeitsgebundene (ESG-gebundene) Kredite</span></div><div class=\"ps18961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS 9 enth\u00e4lt Regelungen zu Vorf\u00e4lligkeitsentsch\u00e4digungen mit negativer Ausgleichsleistung. Eine negative Verg\u00fctung </span></div><div class=\"ps18962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsteht, wenn die vertraglichen Bedingungen dem Kreditnehmer erlauben, das Instrument vor seiner vertraglichen F\u00e4lligkeit im <span class=\"f ps24\"> </span></span></div><div class=\"ps18963 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Voraus zu bezahlen, der Vorauszahlungsbetrag aber geringer sein k\u00f6nnte als die unbezahlten Betr\u00e4ge von Kapital und Zinsen. </span></div><div class=\"ps18964 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um sich f\u00fcr die Bewertung zu fortgef\u00fchrten Anschaffungskosten zu qualifizieren, muss die negative Verg\u00fctung jedoch eine </span></div><div class=\"ps18965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessene Entsch\u00e4digung f\u00fcr die vorzeitige Beendigung des Vertrags sein. </span></div><div class=\"ps18966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachhaltigkeitsgebundene (ESG-gebundene) Kredite sind so strukturiert, dass ihre Zinss\u00e4tze je nach Erreichung vorab </span></div><div class=\"ps18967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegter Ziele, die im Kreditvertrag definiert sind, durch den Kreditnehmer variieren. Solange die Variabilit\u00e4t der </span></div><div class=\"ps18968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Zahlungsstr\u00f6me nicht mit zus\u00e4tzlichem Leverage, mit einem externen Index, verbunden ist oder unter einem </span></div><div class=\"ps18969 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vordefinierten Schwellenwert liegt, werden die Kredite zu fortgef\u00fchrten Anschaffungskosten ausgewiesen.</span></div><div class=\"ps18970 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00c4nderungen des Zeitwerts des Geldes und Benchmark-Test<span id=\"if412f565b74f472a9ab3cbaf601f4bf7\"></span></span></div><div class=\"ps18971 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Zeitwert des Geldes ist die Zinskomponente, die lediglich die Verg\u00fctung f\u00fcr den Zeitablauf darstellt. Er ber\u00fccksichtigt keine </span></div><div class=\"ps18972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Risiken (Kredit, Liquidit\u00e4t etc.) oder Kosten (Verwaltung etc.), die mit dem Halten eines finanziellen Verm\u00f6genswerts </span></div><div class=\"ps18973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbunden sind. In einigen F\u00e4llen kann die Komponente des Zeitwerts des Geldes modifiziert sein (bezeichnet als nicht perfekt). <span class=\"f ps24\"> </span></span></div><div class=\"ps18974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dies w\u00e4re z. B. dann der Fall, wenn der Zinssatz eines finanziellen Verm\u00f6genswerts regelm\u00e4\u00dfig angepasst wird, die H\u00e4ufigkeit </span></div><div class=\"ps18975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Zinsanpassungen aber von der Zinslaufzeit abweicht. In diesem Fall m\u00fcssen die Modifikationen dahingehend beurteilt </span></div><div class=\"ps18976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, ob die vertraglichen Zahlungsstr\u00f6me ausschlie\u00dflich Tilgungs- und Zinszahlungen darstellen, d. h. ob das </span></div><div class=\"ps18977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modifikationsmerkmal die Zahlungsstr\u00f6me nicht unter Umst\u00e4nden erheblich von denen eines perfekten Benchmark-</span></div><div class=\"ps18937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instruments abweichen l\u00e4sst. </span></div><div class=\"ps18978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um einsch\u00e4tzen zu k\u00f6nnen, ob die Zahlungsstrombedingung erf\u00fcllt ist, hat die RBI einen quantitativen Benchmark-Test </span></div><div class=\"ps18939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entwickelt. Hierbei wird \u00fcberpr\u00fcft, ob sich die undiskontierten modifizierten vertraglichen Zahlungsstr\u00f6me erheblich von den </span></div><div class=\"ps18940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">undiskontierten Zahlungsstr\u00f6men eines Benchmark-Instruments unterscheiden. Das Benchmark-Instrument entspricht mit </span></div><div class=\"ps18941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausnahme der modifizierten Zinskomponenten dem getesteten Verm\u00f6genswert. Zum Zeitpunkt der erstmaligen Erfassung des </span></div><div class=\"ps18979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4fts wird der quantitative Benchmark-Test durchgef\u00fchrt und verwendet 1.000 zukunftsorientierte Simulationen der </span></div><div class=\"ps18980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00fcnftigen Marktzinss\u00e4tze \u00fcber die Laufzeit des jeweiligen finanziellen Verm\u00f6genswerts. Zur Simulation der Szenarien wird eine </span></div><div class=\"ps18981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Normalverteilung der Zinss\u00e4tze angenommen unter Anwendung des Ein-Faktor-Hull-White-Modells. Um den quantitativen </span></div><div class=\"ps18982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Benchmark-Test bestehen zu k\u00f6nnen, darf der getestete finanzielle Verm\u00f6genswert zwei Signifikanzschwellen nicht </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberschreiten. Diese Signifikanzschwellen werden als Quotient zwischen den simulierten Zahlungsstr\u00f6men aus den </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">modifizierten Zinskomponenten und dem Benchmark-Instrument festgelegt. Dieser Quotient darf einerseits innerhalb einer </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperiode (drei Monate) 10 Prozent und anderseits \u00fcber die gesamte Laufzeit des getesteten finanziellen </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts 5 Prozent nicht \u00fcberschreiten. Bei \u00dcberschreitung einer der beiden Signifikanzschwellen gilt der Benchmark-</span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Test als nicht bestanden und der finanzielle Verm\u00f6genswert wird erfolgswirksam zum Fair Value bewertet.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die folgenden vertraglichen Hauptausstattungsmerkmale, die den Zeitwert des Geldes unter Umst\u00e4nden modifizieren </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen, wird ein Benchmark-Test angewandt:</span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Laufzeitinkongruenz bei der Verzinsung (abweichende Referenzzinssatzperiode)</span></div><div class=\"ps18984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ermittlung des Zinssatzes auf Basis eines in der Vergangenheit festgelegten Referenzzinssatzes</span></div><div class=\"ps18985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zinsgl\u00e4ttungsklauseln</span></div><div class=\"ps18986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zinsaussetzung mit Zinskapitalisierung</span></div><div class=\"ps5833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Referenz zu einer Sekund\u00e4rmarktrendite (UDRB: Umlaufgewichtete Durchschnittsrendite f\u00fcr Bundesanleihen).</span></div><div class=\"ps18988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Beziehungen zwischen Bilanzposten und Bewertungsma\u00dfst\u00e4ben <span id=\"if961abed3e1e46dfa3fe7bede3b04cd8\"></span></span></div><div class=\"ps19007 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse: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:64.5pt\"></td><td style=\"padding:0;width:64.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps18989 ss527\"><div><div class=\"ps31 ss525\"><span class=\"f charStyle-1dbd4d87 ps9347\">Wesentlicher Bewertungsma\u00dfstab<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1174\"><div><div class=\"ps3163 ss1173\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva/Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps18990 ss1175\"><div><div class=\"ps1485 ss193\"><span class=\"f charStyle-1dbd4d87 ps30\">Beizulegender<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss193\"><span class=\"f charStyle-1dbd4d87 ps30\">Zeitwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps787 ss1175\"><div><div class=\"ps1485 ss193\"><span class=\"f charStyle-1dbd4d87 ps30\">Fortgef\u00fchrte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss193\"><span class=\"f charStyle-1dbd4d87 ps30\">Anschaffungskosten</span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1176\"><div><div class=\"ps18991 ss1173\"><span class=\"f charStyle-3e64e966 ps30\">Aktivische Klassen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen<span class=\"f ps24\"> </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=\"ps18992 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </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=\"ps18994 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-6d404c82 ps1864\">davon Forderungen aus Finanzierungsleasing</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=\"ps18996 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18997 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18998 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5434 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18999 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5994 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19000 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10862 ss1177\"><div><div class=\"ps3137 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19001 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5899 ss1176\"><div><div class=\"ps18991 ss1173\"><span class=\"f charStyle-3e64e966 ps30\">Passivische Klassen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15931 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </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=\"ps19002 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8510 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Verbindlichkeiten aus Finanzierungsleasing<span class=\"f ps24\"> </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=\"ps19003 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6086 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19004 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3795 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19005 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14087 ss1177\"><div><div class=\"ps31 ss1173\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19006 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps10653\">x<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Wesentliche bilanzielle Ermessensspielr\u00e4ume und Hauptquellen von <span id=\"i67e7c3004b0a4457ae73f8967aaa2e03\"></span></span></div><div class=\"ps19009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Sch\u00e4tzungsunsicherheiten</span></div><div class=\"ps19010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sind f\u00fcr die Bilanzierung und Bewertung nach IAS/IFRS Sch\u00e4tzungen oder Beurteilungen erforderlich, werden diese in <span class=\"f ps24\"> </span></span></div><div class=\"ps19011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit den jeweiligen Standards vorgenommen. Sie basieren auf historischen Erfahrungen und anderen </span></div><div class=\"ps19012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren wie Planungen und nach heutigem Ermessen wahrscheinlichen Erwartungen oder Prognosen zuk\u00fcnftiger Ereignisse. </span></div><div class=\"ps19013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die den Sch\u00e4tzungen zugrunde liegenden Annahmen unterliegen einer regelm\u00e4\u00dfigen \u00dcberpr\u00fcfung. \u00c4nderungen von </span></div><div class=\"ps19014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sch\u00e4tzungen werden, sofern sie nur eine Periode betreffen, nur in dieser ber\u00fccksichtigt. Falls auch nachfolgende </span></div><div class=\"ps19015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperioden betroffen sind, werden die \u00c4nderungen in der aktuellen und den folgenden Perioden ber\u00fccksichtigt. Die </span></div><div class=\"ps19016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen, Sch\u00e4tzungen und Ermessensentscheidungen betreffen im Wesentlichen die Risikovorsorgen im Kreditgesch\u00e4ft, den </span></div><div class=\"ps19017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert und die Wertminderung von Finanzinstrumenten, die latenten Steuern, R\u00fcckstellungen f\u00fcr Pensionen </span></div><div class=\"ps19018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und pensions\u00e4hnliche Verpflichtungen, R\u00fcckstellungen f\u00fcr Rechtsf\u00e4lle sowie die Berechnungen zur Ermittlung der Werthaltigkeit </span></div><div class=\"ps19019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Firmenwerten und die im Zuge der Erstkonsolidierung aktivierten immateriellen Verm\u00f6genswerte. Die tats\u00e4chlichen Werte </span></div><div class=\"ps19020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen von den gesch\u00e4tzten Werten abweichen.</span></div><div class=\"ps19021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zusammenhang mit Rasperia wurden folgende Sch\u00e4tzungen bzw. Ermessensentscheidungen getroffen: Aufgrund der </span></div><div class=\"ps19022 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ge\u00e4nderten Einsch\u00e4tzung des Managements hinsichtlich der Vollstreckung der Anspr\u00fcche in die \u00f6sterreichischen </span></div><div class=\"ps19023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6gensgegenst\u00e4nde der Rasperia wurden die erwarteten Erl\u00f6se in H\u00f6he von \u20ac 1.204 Millionen im Juni 2025 ausgebucht. Im <span class=\"f ps24\"> </span></span></div><div class=\"ps19024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2025 wurde f\u00fcr das zweite Rasperia-Verfahren eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebildet. Details dazu </span></div><div class=\"ps19026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps16819\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps19025\"> ersichtlich. Im Zusammenhang mit der Beurteilung der Kontrolle von AO Raiffeisenbank </span></div><div class=\"ps19027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 10 wird auf das Kapitel Konsequenzen und Analysen der kriegerischen Auseinandersetzung zwischen Russland und </span></div><div class=\"ps19028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Ukraine verwiesen.</span></div><div class=\"ps19029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der doppelten Wesentlichkeitsanalyse f\u00fcr die konsolidierte nichtfinanzielle Erkl\u00e4rung 2025 wurde die finanzielle </span></div><div class=\"ps19030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlichkeit von Nachhaltigkeitsaspekte im kurzfristigen, mittelfristigen und langfristigen Bereich betrachtet. Kurzfristig </span></div><div class=\"ps19031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">definiert als der Berichtszeitraum des Konzernabschlusses wurden keine wesentlichen finanziellen Risiken aus </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachhaltigkeitsaspekten festgestellt, bis auf Klagen in Zusammenhang mit Themen des Konsumentenschutzes. Daher enth\u00e4lt </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzernabschluss keine gesonderten Angaben zu nachhaltigkeitsbezogenen Unsicherheiten, die die Sch\u00e4tzungsannahmen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlich beeinflussen. Ein Zeitraum von mehr als f\u00fcnf Jahren wurde als langfristig betrachtet, wobei hier eine moderate </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wahrscheinlichkeit besteht, dass der Klimawandel das Kreditrisiko des Kundenportfolios erheblich beeinflusst. F\u00fcr weitere </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelheiten wird auf das Kapitel </span><span class=\"f charStyle-e6305a27 ps19032\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\">IRO-1: Verfahren zur Ermittlung und Bewertung der wesentlichen Auswirkungen, Risiken und </a></span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-e6305a27 ps17\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\">Chancen</a></span><span class=\"f charStyle-e6305a27 ps15453\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\"> </a></span><span class=\"f charStyle-9eccfdcb ps19033\">und Punkt</span><span class=\"f charStyle-9eccfdcb ps19034\"> </span><span class=\"f charStyle-9eccfdcb ps19035\">(31) Erwartete Kreditverluste</span><span class=\"f charStyle-9eccfdcb ps19036\"> verwiesen.</span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der geopolitischen Lage ist die RBI zudem erh\u00f6hten Risiken im Zusammenhang mit Fremdw\u00e4hrungsumrechnungen </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesetzt. Details dazu finden sich im Kapitel W\u00e4hrungsumrechnung.</span></div><div class=\"ps19037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Wertminderungen im Kreditgesch\u00e4ft<span id=\"if4406bcdd5314f5d85a3e58c2c68cfdf\"></span></span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ermittelt die erwarteten Kreditverluste (Expected Credit Losses, ECL) aus den als Verm\u00f6genswerte gehaltenen </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldinstrumenten, die zu fortgef\u00fchrten Anschaffungskosten bzw. erfolgsneutral zum Fair Value angesetzt werden, sowie aus </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzusagen, Leasingforderungen und Finanzgarantien. Die Berechnung erwarteter Kreditverluste erfordert die Anwendung </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Sch\u00e4tzungen, die von den tats\u00e4chlichen Ergebnissen abweichen k\u00f6nnen. Um die H\u00f6he der Wertminderung zu ermitteln, sind </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentliche Kreditrisikoparameter wie PD (Probability of Default), LGD (Loss Given Default) und EAD (Exposure at Default) sowie </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunfts</span><span class=\"f charStyle-9eccfdcb ps19039\">orientierte Informationen (Konjunkturprognosen) vom Management zu sch\u00e4tzen. Die erwarteten Kreditverluste werden </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu jedem Berichtsstichtag angepasst. IFRS 9 verlangt die Beurteilung, ob ein signifikanter Anstieg des Kreditrisikos vorliegt, ohne </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">detaillierte Leitlinien zu geben. Daher sind zur Beurteilung spezifische Regeln festgelegt worden, welche aus qualitativen </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen und quantitativen Schwellenwerten bestehen. Die Methoden zur Bestimmung der H\u00f6he der Wertminderung sind </span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9) erl\u00e4utert. Quantitative Angaben sowie Sensitivit\u00e4tsanalysen <span class=\"f ps24\"> </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps16819\">(31) Erwartete Kreditverluste</span><span class=\"f charStyle-9eccfdcb ps19045\"> dargest</span><span class=\"f charStyle-9eccfdcb ps19046\">ellt. Bei der Berechnung erwarteter Kreditverluste sind </span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen erforderlich, insbesondere bei der Ber\u00fccksichtigung von Risiken, die von den Modellen nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessen abgebildet werden wie Overlays und andere Risikofaktoren f\u00fcr Sanktions- und geopolitische Risiken.<span class=\"f ps24\"> </span></span></div><div class=\"ps19050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fair Value von Finanzinstrumenten <span id=\"i1b3790c702394520aa44fb8df9c50da8\"></span></span></div><div class=\"ps19051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der beizulegende Zeitwert (Fair Value) ist jener Preis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen Marktteilnehmer:innen </span></div><div class=\"ps19052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am Bemessungsstichtag f\u00fcr den Verkauf eines Verm\u00f6genswerts eingenommen bzw. f\u00fcr die \u00dcbertragung einer Schuld gezahlt </span></div><div class=\"ps19053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden w\u00fcrde. Dies gilt unabh\u00e4ngig davon, ob der Preis direkt beobachtbar oder unter Anwendung einer Bewertungsmethode </span></div><div class=\"ps19054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesch\u00e4tzt worden ist. Bei der Ermittlung des beizulegenden Zeitwerts eines Verm\u00f6genswerts oder einer Schuld ber\u00fccksichtigt </span></div><div class=\"ps19055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzern bestimmte Merkmale des Verm\u00f6genswerts oder der Schuld (z. B. Zustand und Standort des Verm\u00f6genswerts oder <span class=\"f ps24\"> </span></span></div><div class=\"ps19056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verkaufs- und Nutzungsbeschr\u00e4nkungen), wenn Marktteilnehmer:innen diese Merkmale bei der Preisfestlegung f\u00fcr den Erwerb </span></div><div class=\"ps19057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des jeweiligen Verm\u00f6genswerts oder die \u00dcbertragung der Schuld zum Bewertungsstichtag ebenfalls ber\u00fccksichtigen w\u00fcrden. <span class=\"f ps24\"> </span></span></div><div class=\"ps19058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist der Markt f\u00fcr ein Finanzinstrument nicht aktiv, wird der Fair Value anhand einer Bewertungsmethode oder eines <span class=\"f ps24\"> </span></span></div><div class=\"ps19059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preismodells ermittelt. Generell werden f\u00fcr Bewertungsmethoden Sch\u00e4tzungen herangezogen, deren Ausma\u00df von der </span></div><div class=\"ps19060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Komplexit\u00e4t des Instruments und der Verf\u00fcgbarkeit marktbasierter Daten abh\u00e4ngt. Die Input-Parameter f\u00fcr diese Modelle </span></div><div class=\"ps19061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden so weit wie m\u00f6glich von beobachtbaren Marktdaten abgeleitet, trotzdem sind vielfach nicht beobachtbare Marktdaten </span></div><div class=\"ps19062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich. Unter Umst\u00e4nden sind Bewertungsanpassungen notwendig, um weiteren Faktoren wie Modellrisiken, </span></div><div class=\"ps19063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisiken oder Kreditrisiken Rechnung zu tragen. Die Beschreibung der Bewertungsmodelle findet sich im Abschnitt </span></div><div class=\"ps19064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten. Zus\u00e4tzlich werden die Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps19068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Values von Finanzinstrumenten unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19065\">(23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten</span><span class=\"f charStyle-9eccfdcb ps19066\"> </span><span class=\"f charStyle-9eccfdcb ps19067\">dargestellt. </span></div><div class=\"ps19069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">R\u00fcckstellungen f\u00fcr Rechtsstreitigkeiten<span id=\"i272d300e15e04fd0b670227f6bab3bc2\"></span></span></div><div class=\"ps19070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen werden gebildet, wenn der Konzern eine gegenw\u00e4rtige Verpflichtung aus einem vergangenen Ereignis hat und </span></div><div class=\"ps19071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sowohl wahrscheinlich ist, dass er verpflichtet sein wird, diese zu erf\u00fcllen, als auch eine verl\u00e4ssliche Sch\u00e4tzung des Betrags </span></div><div class=\"ps19072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glich ist. Der angesetzte R\u00fcckstellungsbetrag ist der am Bilanzstichtag bestm\u00f6gliche Sch\u00e4tzwert f\u00fcr die Leistung, die unter </span></div><div class=\"ps19073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der der Verpflichtung zugrunde liegenden Risiken und Unsicherheiten hinzugeben ist, um die gegenw\u00e4rtige </span></div><div class=\"ps19074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtung zu erf\u00fcllen. Risiken und Unsicherheiten sind bei der Sch\u00e4tzung ber\u00fccksichtigt. In einigen F\u00e4llen werden Klagen von </span></div><div class=\"ps19075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Reihe von Privatkund:innen eingebracht. Der Bemessung der R\u00fcckstellung wird in solchen F\u00e4llen ein statistischer Ansatz </span></div><div class=\"ps19076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde gelegt. Diese Ans\u00e4tze ber\u00fccksichtigen sowohl statistische Daten, soweit diese relevant sind, als auch </span></div><div class=\"ps19077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen, insbesondere im Zusammenhang mit den zuk\u00fcnftig erwarteten Klagen und Verlusten. Details zu </span></div><div class=\"ps19078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen insbesondere f\u00fcr CHF- und Euro-Kredite in Polen sowie die R\u00fcckstellung betreffend die Rechtsstreitigkeit </span></div><div class=\"ps19081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia in Russland sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19079\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps19080\"> dargestellt.</span></div><div class=\"ps19082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">R\u00fcckstellung f\u00fcr Pensionen und pensions\u00e4hnliche Verpflichtungen <span id=\"i76ca121668394c61a79ad5c5c1ef5604\"></span></span></div><div class=\"ps19083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kosten des leistungsorientierten Pensionsplans werden mittels versicherungsmathematischer Verfahren bewertet. Die </span></div><div class=\"ps19084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versicherungsmathematische Bewertung basiert auf Annahmen zu k\u00fcnftigen Gehaltsentwicklungen, Sterblichkeit und <span class=\"f ps24\"> </span></span></div><div class=\"ps19085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00fcnftigen Pensionsanhebungen. Eine erhebliche Ermessensentscheidung ist hier bei der Festlegung der Parameter notwendig. <span class=\"f ps24\"> </span></span></div><div class=\"ps19086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bestimmung des Rechnungszinssatzes wird zur Ableitung von erwarteten Renditen auf die Zinsempfehlung von Mercer </span></div><div class=\"ps19087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcckgegriffen. Die wesentlichen Kriterien bei der Auswahl der Unternehmensanleihen beinhalten das Ausgabevolumen und </span></div><div class=\"ps19088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Qualit\u00e4t der Anleihen sowie die Identifizierung von Ausrei\u00dfern, die nicht ber\u00fccksichtigt werden. Annahmen und Sch\u00e4tzungen, </span></div><div class=\"ps19089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die f\u00fcr die Berechnung langfristiger Personalverpflichtungen angewandt werden, sind im Abschnitt Verpflichtungen f\u00fcr </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionen und aus anderen Leistungen nach der Beendigung des Arbeitsverh\u00e4ltnisses beschrieben. Quantitative Angaben zu </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Personalr\u00fcckstellungen finden sich unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19091\">(27) R\u00fcckstellungen</span><span class=\"f charStyle-9eccfdcb ps19092\">.</span></div><div class=\"ps13775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aktive latente Steuern<span id=\"i335f03667dfc4708a5e96e1e52df3d2e\"></span></span></div><div class=\"ps19093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Latente Steuerforderungen werden in dem Umfang ausgewiesen, in dem es wahrscheinlich ist, dass zuk\u00fcnftig ausreichend zu </span></div><div class=\"ps19094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versteuernde Ergebnisse zur Verf\u00fcgung stehen werden, mit denen diese steuerlichen Verlustvortr\u00e4ge, Steuerguthaben oder </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steuerlich abzugsf\u00e4higen tempor\u00e4ren Differenzen verrechnet werden k\u00f6nnen. Dazu wird ein Planungshorizont von f\u00fcnf Jahren </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herangezogen. In diesem Zeitraum ist auf Basis der Planung eine verl\u00e4ssliche Sch\u00e4tzung der steuerlichen Ergebnisse m\u00f6glich. </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Bewertung erfordert in ma\u00dfgeblichem Umfang Beurteilungen und Einsch\u00e4tzungen seitens des Managements. Das </span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management verwendet f\u00fcr die Bestimmung der latenten Steuerforderungen historische Erkenntnisse zu Steuerkapazit\u00e4t und </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Profitabilit\u00e4t sowie gegebenenfalls prognostizierte Gesch\u00e4ftsergebnisse auf Basis genehmigter Gesch\u00e4ftspl\u00e4ne einschlie\u00dflich </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Pr\u00fcfung der Vortragsf\u00e4higkeit steuerlicher Verlustvortr\u00e4ge. Quantitative Angaben zu latenten Steuern finden sich unter </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Punkt</span><span class=\"f charStyle-9eccfdcb ps19101\"> </span><span class=\"f charStyle-9eccfdcb ps19102\">(11) Steuern</span><span class=\"f charStyle-9eccfdcb ps19103\">.</span></div><div class=\"ps19105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberpr\u00fcfung der Charakteristika der vertraglichen Zahlungsstr\u00f6me<span id=\"i0bf8c1515ea84755a164c257cdecbd2e\"></span></span></div><div class=\"ps19106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Neben der Gesch\u00e4ftsmodellbedingung ist auch eine Analyse der Zahlungsstr\u00f6me eines finanziellen Verm\u00f6genswerts notwendig, </span></div><div class=\"ps19107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um eine Zuordnung in die Bewertungskategorien zu fortgef\u00fchrten Anschaffungskosten oder at Fair Value Through Other </span></div><div class=\"ps19108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Comprehensive Income zu erreichen. Um die Zahlungsstrombedingung zu erf\u00fcllen, d\u00fcrfen die Zahlungsstr\u00f6me lediglich aus Zins- </span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Tilgungszahlungen des ausstehenden Kapitalbetrags bestehen. Diese Analyse, ob es sich bei vertraglichen Cash-Flows </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte ausschlie\u00dflich um Zins- und Tilgungszahlungen handelt, unterliegt wesentlichen <span class=\"f ps24\"> </span></span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen. In der RBI werden unter Ber\u00fccksichtigung der einzelnen Vertragsmerkmale von finanziellen </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten Ermessensentscheidungen im Wesentlichen bei Krediten, die mit inkongruenten Zinskomponenten </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgestattet sind, getroffen. Um einsch\u00e4tzen zu k\u00f6nnen, ob die Zahlungsstrombedingung erf\u00fcllt ist, ist unter Umst\u00e4nden zur </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beurteilung eines ver\u00e4nderten Elements f\u00fcr den Zeitwert des Geldes ein Benchmark-Test notwendig. </span></div><div class=\"ps19115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest des Firmenwerts<span id=\"icd2892bc469148e6bc36feed5538baed\"></span></span></div><div class=\"ps19116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden j\u00e4hrlich auf Ebene zahlungsmittelgenerierender Einheiten auf ihren k\u00fcnftigen wirtschaftlichen Nutzen </span></div><div class=\"ps19117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberpr\u00fcft. Sollte es w\u00e4hrend des laufenden Gesch\u00e4ftsjahres Anhaltspunkte geben, dass eine Wertminderung vorliegen k\u00f6nnte, </span></div><div class=\"ps19118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird ein Werthaltigkeitstest zum jeweiligen Bilanzstichtag durchgef\u00fchrt. Im Zuge des Werthaltigkeitstests sind wesentliche </span></div><div class=\"ps19119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen, Annahmen und Sch\u00e4tzungen insbesondere hinsichtlich des Zeitpunkts und der H\u00f6he der zuk\u00fcnftigen <span class=\"f ps24\"> </span></span></div><div class=\"ps19124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Cash-Flows und des Diskontierungszinssatzes erforderlich. Siehe auch Punk</span><span class=\"f charStyle-9eccfdcb ps19120\">t </span><span class=\"f charStyle-9eccfdcb ps19121\">(8) \u00dcbriges Ergebnis</span><span class=\"f charStyle-9eccfdcb ps19122\"> und Punkt </span><span class=\"f charStyle-9eccfdcb ps19123\">(25) </span></div><span class=\"f charStyle-9eccfdcb ps17\">Sachanlagen und immaterielle Verm\u00f6genswerte</span><span class=\"f charStyle-9eccfdcb ps19125\">.</span><div class=\"ps19128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeit von at-equity bewerteten Unternehmen<span id=\"ifcfaf3bf06fd4be495522ff9aa03b403\"></span></span></div><div class=\"ps19129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Buchwerte der at-equity bewerteten Unternehmen sind auf ihre Werthaltigkeit zu pr\u00fcfen, wenn objektive Anzeichen f\u00fcr eine </span></div><div class=\"ps19130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorliegen. Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer </span></div><div class=\"ps19131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligung h\u00f6her ist als ihr erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die als Anzeichen <span class=\"f ps24\"> </span></span></div><div class=\"ps19132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr eine Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein </span></div><div class=\"ps19133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnte, wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. Wenn die objektiven Anzeichen einer Wertminderung nicht </span></div><div class=\"ps19134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr vorliegen, kommt es zu einer Wertaufholung. Diese Wertaufholung erfolgt jedoch nur bis zum Betrag, der sich ergeben </span></div><div class=\"ps19135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte, wenn keine Wertminderung erfasst worden w\u00e4re. Das bedeutet, dass der Buchwert des Anteils an dem assoziierten </span></div><div class=\"ps19136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen nicht \u00fcber dem anteiligen Eigenkapital liegen darf. Die wesentlichen Ermessensentscheidungen und Sch\u00e4tzungen </span></div><div class=\"ps19137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Zusammenhang mit dem Werthaltigkeitstest betreffen insbesondere den Diskontierungszinssatz, die Planungsannahmen </span></div><div class=\"ps19140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und die k\u00fcnftigen zu erwartenden Zahlungsstr\u00f6me. Details sind unter Punkt</span><span class=\"f charStyle-9eccfdcb ps19138\"> </span><span class=\"f charStyle-9eccfdcb ps19139\">(24) Anteile an Tochterunternehmen und </span></div><div class=\"ps19142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">assoziierten Unternehmen</span><span class=\"f charStyle-9eccfdcb ps19141\"> dargestellt.</span></div><div class=\"ps19143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Anwendung von neuen und ge\u00e4nderten Standards<span id=\"i4773065f81d14abb86e69ded1a1f94ad\"></span></span></div><div class=\"ps19144 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">IFRS-\u00c4nderungen mit erstmaliger Anwendung 2025<span id=\"i5cab207696004a06adc5fb58d1c2ebda\"></span></span></div><div class=\"ps19145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgenden \u00c4nderungen der IFRS sind im aktuellen Berichtszeitraum in Kraft getreten (und wurden von der EU \u00fcbernommen), </span></div><div class=\"ps19146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wobei sich keine wesentlichen Auswirkungen auf die Finanz- und Ertragslage der RBI ergaben: <span class=\"f ps24\"> </span></span></div><div class=\"ps19147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen an IAS 21. Mangel an Umtauschbarkeit</span></div><div class=\"ps19148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Anstehende IFRS-\u00c4nderungen nach 2025<span id=\"i15fb9b2c7b1a4f2c9ac18a64367c17ad\"></span></span></div><div class=\"ps19149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Von der vorzeitigen Anwendung der nachstehenden neuen oder ge\u00e4nderten Standards und Interpretationen, die zwar </span></div><div class=\"ps19150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verabschiedet wurden, deren Anwendung aber noch nicht verpflichtend ist, wurde abgesehen. Die RBI pr\u00fcft deren m\u00f6gliche </span></div><div class=\"ps19151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen auf den Konzern.</span></div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Erstmalige Anwendung in 2026 (von der EU \u00fcbernommen)<span id=\"ic0e8897ec9704978932873cb46b98e19\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">J\u00e4hrliche Verbesserungen, Ausgabe 11</span></div><div class=\"ps19152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen an IFRS 9 und IFRS 7. Vertr\u00e4ge, die sich auf naturabh\u00e4ngigen Strom beziehen</span></div><div class=\"ps19153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen an IFRS 9 und IFRS 7. Klassifizierung und Bewertung von Finanzinstrumenten</span></div><div class=\"ps19154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Von der erstmaligen Anwendung der oben genannten \u00c4nderungen werden voraussichtlich keine wesentlichen Auswirkungen </span></div><div class=\"ps19155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf den Konzernabschluss der RBI erwartet.</span></div><div class=\"ps19156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Erstmalige Anwendung in 2027 (von der EU noch nicht \u00fcbernommen)<span class=\"f ps24\"> </span><span id=\"i684a0b50b9ab4597bc947a9ef5c29ced\"></span></span></div><div class=\"ps19157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Neuer Standard IFRS 18. Darstellung und Angaben in Finanzberichten. Die RBI analysiert die Auswirkungen dieses </span></div><div class=\"ps19158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">neuen Standards in einem koordinierten Ansatz mit unterschiedlichen Arbeitsgruppen. Der Standard wird ab 1. J\u00e4nner </span></div><div class=\"ps19159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">2027 zu \u00c4nderungen in der Darstellung der Gewinn- und Verlustrechnung sowie zu Erg\u00e4nzungen im Anhang f\u00fchren. </span></div><div class=\"ps19160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Die RBI erwartet keine signifikante Auswirkung auf die Finanz- und Ertragslage des Konzerns.</span></div><div class=\"ps19161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen an IAS 21. Umrechnung von Finanzinformationen in Hochinflationsw\u00e4hrungen</span></div><div class=\"ps19162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich ver\u00f6ffentlichte der IASB im Mai 2024 den neuen Rechnungslegungsstandard IFRS 19, Tochterunternehmen ohne </span></div><div class=\"ps19163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6ffentliche Rechenschaftspflicht: Angaben, der jedoch f\u00fcr den Konzernabschluss der RBI keine Anwendung findet.</span></div><div class=\"ps19164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">W\u00e4hrungsumrechnung<span id=\"i03115bf0838e412c9c2842227d08b91a\"></span></span></div><div class=\"ps19165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzernabschluss wurde in Euro, der funktionalen W\u00e4hrung der RBI AG, aufgestellt. Die funktionale W\u00e4hrung ist die </span></div><div class=\"ps16946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrung des prim\u00e4ren Wirtschaftsumfelds, in dem die Gesellschaft t\u00e4tig ist. Jedes Unternehmen innerhalb des Konzerns legt </span></div><div class=\"ps16950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung aller in IAS 21 angef\u00fchrten Faktoren seine eigene funktionale W\u00e4hrung fest. Die in einer anderen <span class=\"f ps24\"> </span></span></div><div class=\"ps19166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">funktionalen W\u00e4hrung als dem Euro aufgestellten Abschl\u00fcsse der Unternehmen des Vollkonsolidierungskreises wurden nach der <span class=\"f ps24\"> </span></span></div><div class=\"ps19167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">modifizierten Stichtagskursmethode gem\u00e4\u00df IAS 21 in die Berichtsw\u00e4hrung Euro umgerechnet. Dabei wurde das Eigenkapital mit </span></div><div class=\"ps19168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seinem historischen Kurs, alle anderen Aktiva und Passiva sowie Anhangangaben wurden mit dem Stichtagskurs angesetzt. Aus </span></div><div class=\"ps19169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der W\u00e4hrungsumrechnung der Eigenkapitalbestandteile (historische Kurse) resultierende Differenzen werden mit den </span></div><div class=\"ps19170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinnr\u00fccklagen verrechnet. </span></div><div class=\"ps19171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Posten der Erfolgsrechnung wurden mit dem Durchschnittskurs des Jahres auf Basis der Monatsultimokurse berechnet. </span></div><div class=\"ps19172 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig von der Entwicklung des W\u00e4hrungskurses und der Art der Gesch\u00e4ftstransaktion kann es in Einzelf\u00e4llen dazu kommen, </span></div><div class=\"ps19173 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass statt des Durchschnittskurses der tats\u00e4chliche Transaktionskurs herangezogen wird. Dies kann insbesondere bei </span></div><div class=\"ps19174 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Einmaleffekten der Fall sein, im Berichtsjahr traf dies insbesondere auf die von einem russischen Rechtsfall </span></div><div class=\"ps19175 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Rasperia Trading Limited) betroffenen Posten in der Erfolgsrechnung zu. W\u00e4hrungsdifferenzen zwischen dem Stichtagskurs in </span></div><div class=\"ps19176 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Bilanz und dem Durchschnittskurs in der Erfolgsrechnung wurden mit dem Eigenkapital (kumuliertes sonstiges Ergebnis) </span></div><div class=\"ps19177 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verrechnet. </span></div><div class=\"ps19178 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Abgang eines ausl\u00e4ndischen Gesch\u00e4ftsbetriebs, der zum Verlust der Beherrschung, der gemeinschaftlichen F\u00fchrung oder </span></div><div class=\"ps19179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des ma\u00dfgeblichen Einflusses f\u00fchrt, wird der entsprechende, bis zu diesem Zeitpunkt kumuliert in der W\u00e4hrungsumrechnungs-</span></div><div class=\"ps19180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">r\u00fccklage erfasste Betrag als Teil des Ergebnisses aus Entkonsolidierungen in die Erfolgsrechnung umgegliedert.</span></div><div class=\"ps19254 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-1dbd4d87 ps19181\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19183 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-1dbd4d87 ps11237\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps19184 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps397\">Stichtag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps17667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps13441\">Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19185 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps397\">Stichtag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19186 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps13441\">Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Kurse in W\u00e4hrung pro \u20ac<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19188 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19187\">31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17671 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19189\">1.1.-31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19190 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19187\">31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19191 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19189\">1.1.-31.12.<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Albanischer Lek (ALL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19193 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19192\">96,770<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17677 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19194\">98,009<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19195 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps468\">98,150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19197 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19196\">100,760<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1181\"><div><div class=\"ps5730 ss742\"><span class=\"f charStyle-6d404c82 ps30\">Belarus-Rubel (BYN)</span><span class=\"f charStyle-ef1a5293 ps19198\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps868\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps868\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps19200\">3,787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps19202\">3,517<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19204 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Bosnische Marka (BAM)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19206 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19207 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19208 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19209 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5996 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Polnischer Zloty (PLN)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19211 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19210\">4,221<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19213 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19212\">4,240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19214 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17592\">4,275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19215 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19212\">4,305<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19216 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nischer Leu (RON)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19218 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19217\">5,097<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19219 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps5659\">5,040<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19221 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19220\">4,974<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19223 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19222\">4,975<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5473 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Russischer Rubel (RUB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19224 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10716\">93,540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19225 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps4121\">94,928<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19226 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17469\">113,833<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19227 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps7901\">101,322<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5534 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Serbischer Dinar (RSD)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19228 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10094\">117,282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19229 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9390\">117,197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19230 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9391\">117,015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19232 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19231\">117,084<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6043 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechische Krone (CZK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19233 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18735\">24,237<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19234 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18498\">24,695<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19235 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18383\">25,185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19237 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19236\">25,123<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4554 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ukrainische Hrywnja (UAH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19238 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9390\">49,857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19239 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps16295\">46,962<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19241 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19240\">43,927<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19242 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17185\">43,471<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15489 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarischer Forint (HUF)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19244 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19243\">385,150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19245 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17577\">397,728<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19246 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17232\">411,350<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19247 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17798\">395,971<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4601 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">US-Dollar (USD)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19248 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps1172\">1,175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19250 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19249\">1,124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19251 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17167\">1,039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19253 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19252\">1,083<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5482 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Aufgrund des Verkaufs der belarussischen Einheiten wurde f\u00fcr das Jahresende 2024 der Kurs per 30. November 2024 verwendet.<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der geopolitischen Lage ist die RBI erh\u00f6hten Risiken im Zusammenhang mit Fremdw\u00e4hrungsumrechnungen </span></div><div class=\"ps19256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesetzt. Die EZB stellte die Ver\u00f6ffentlichung eines offiziellen EUR/RUB-Wechselkurses im M\u00e4rz 2022 ein und neben dem </span></div><div class=\"ps19257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">theoretischen, offiziellen Umrechnungskurs (von der russischen Zentralbank ermittelter Kurs: On-Shore-Kurs) bildete sich ein </span></div><div class=\"ps19258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">tats\u00e4chlich und faktisch erreichbarer Umrechnungskurs (z. B. von Refinitiv oder Electronic Broking Service, EBS, ermittelter Kurs: </span></div><div class=\"ps19259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Off-Shore-Kurs). </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist diesen Risiken insbesondere bei der Umrechnung monet\u00e4rer Fremdw\u00e4hrungsposten und bei der Umrechnung </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollkonsolidierter ausl\u00e4ndischer Gesch\u00e4ftsbetriebe ausgesetzt. Gem\u00e4\u00df IAS 21 muss bei der Umrechnung monet\u00e4rer Posten in </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die funktionale W\u00e4hrung der jeweilige Stichtagskurs verwendet werden. Der Stichtagskurs ist als jener Kurs definiert, der bei </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sofortiger Ausf\u00fchrung zum Tragen kommen w\u00fcrde. Hier ist insbesondere zu ber\u00fccksichtigen, ob zum Abschlussstichtag ein <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">amtlich notierter Kurs erh\u00e4ltlich und zur sofortigen Abrechnung verf\u00fcgbar ist. Sind mehrere Wechselkurse verf\u00fcgbar, so ist </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IAS 21.26 jener Wechselkurs zu verwenden, zu dem die k\u00fcnftigen Zahlungsstr\u00f6me aus der Transaktion zum </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzstichtag abgerechnet h\u00e4tten werden k\u00f6nnen. Zusammenfassend ist die RBI zu dem Schluss gekommen, dass dieser Kurs </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum 31. Dezember 2025 im Wesentlichen dem Off-Shore-Kurs entsprochen h\u00e4tte, welcher entsprechend in der </span></div><div class=\"ps3802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungsumrechnung von Fremdw\u00e4hrungspositionen in Rubel verwendet wurde, wenn die funktionale W\u00e4hrung des </span></div><div class=\"ps3803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetriebs nicht dem Rubel entsprach. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber Tochterunternehmen, die in einer anderen funktionalen W\u00e4hrung bilanzieren als der Berichtsw\u00e4hrung des </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns. Die Umrechnung vollkonsolidierter ausl\u00e4ndischer Gesch\u00e4ftsbetriebe in die Berichtsw\u00e4hrung der RBI hat gem\u00e4\u00df </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IAS\u00a021.39 zu erfolgen:</span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Mit dem Stichtagskurs zum Erstellungszeitpunkt (Verm\u00f6genswerte und Schulden)</span></div><div class=\"ps19261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Mit dem im Zeitpunkt der jeweiligen Transaktionen g\u00fcltigen Wechselkurse bzw. vereinfachungshalber gegebenenfalls </span></div><div class=\"ps19262 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">mit einem Durchschnittskurs (Ertr\u00e4ge und Aufwendungen).</span></div><div class=\"ps19263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hierzu ist wie bei der Umrechnung von Fremdw\u00e4hrungstransaktionen die Bestimmung geeigneter Wechselkurse notwendig. </span></div><div class=\"ps4200 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcblicherweise wird hierf\u00fcr jener W\u00e4hrungskurs verwendet, der bei der Umrechnung von Dividenden aus dem ausl\u00e4ndischen </span></div><div class=\"ps4201 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetrieb oder f\u00fcr eventuelle Kapitalr\u00fcckf\u00fchrungen angewandt werden w\u00fcrde. Aufgrund der eingef\u00fchrten staatlichen </span></div><div class=\"ps4202 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen in Russland geht die RBI zum Bilanzstichtag davon aus, dass Zahlungsmittelr\u00fcckfl\u00fcsse aus dem ausl\u00e4ndischen </span></div><div class=\"ps19264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetrieb in Russland derzeit nicht zum offiziellen Wechselkurs der russischen Zentralbank umgerechnet werden </span></div><div class=\"ps19265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnten, vielmehr k\u00e4me hier der tats\u00e4chlich und faktisch erreichbare Kurs zum Tragen. In Transaktionen mit internationalen </span></div><div class=\"ps19266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Banken wird hierf\u00fcr \u00fcblicherweise der Off-Shore-Kurs verwendet, entsprechend wurde der ausl\u00e4ndische Gesch\u00e4ftsbetrieb in </span></div><div class=\"ps19267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland zum Bilanzstichtag zu diesem Kurs umgerechnet. Zum Bilanzstichtag bestand nur eine unwesentliche Differenz </span></div><div class=\"ps19268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen dem EUR/RUB-Wechselkurs von Refinitiv und jenem der russischen Zentralbank.</span></div><div class=\"ps19269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Konsolidierungskreis<span id=\"ia9c88a10fff441c28fa7658d5b52d39d\"></span></span></div><div class=\"ps19288 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1184\"><div><div class=\"ps264 ss1183\"><span class=\"f charStyle-1dbd4d87 ps19270\">Vollkonsolidierung<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand Beginn der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">192<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode erstmals einbezogen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode verschmolzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode ausgeschieden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19277\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand Ende der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19279\">170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sitz in \u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19280\">100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18454\">107<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sitz im Ausland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19281\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19282\">75<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Banken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19286\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Anbieter von Nebenleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Finanzholdings<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps808\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erstkonsolidierungen<span id=\"icd2cbbf5968f4b9382f58c5a03ce3704\"></span></span></div><div class=\"ps19297 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:268.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:84.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9572 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps12468\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19292 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps19291\">Inkludiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19293 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-1dbd4d87 ps30\">Grund<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen investicni spolecnost a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19294 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #929292;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19295 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19296 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entkonsolidierungen<span id=\"i63e787e7314845d9aff1fdac3bdb5b18\"></span></span></div><div class=\"ps19337 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:268.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:84.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9572 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps12468\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19292 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps19298\">Exkludiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19293 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-1dbd4d87 ps30\">Grund<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Aedificium Banca pentru Locuinte S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19294 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19295 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10693\">1.6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19296 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">in Liquidation<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">CUPIDO Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19299 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19300 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps12176\">1.5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19301 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">RL Grundst\u00fcckverwaltung Klagenfurt-S\u00fcd GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19302 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19303 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps12176\">1.5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19304 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">AGIOS Raiffeisen-Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19305 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9587\"></span><span class=\"ps9587\">51,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19306 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10693\">1.6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19307 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">RIL XIV Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19308 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19310 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19311 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing-Projektfinanzierung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19312 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19313 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19314 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">SOLAR II Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19315 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0%<span style=\"display:inline-block;height:4.56pt;width:1.45pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19316 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19317 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19318 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19320 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19321 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH &amp; Co Projekt Lauterbach KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19322 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12739\"></span><span class=\"ps12739\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19323 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19324 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">LYRA Raiffeisen Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19325 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19326 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19327 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Anbieter von Nebenleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Borna Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19328 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19329 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19330 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Erfurt Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19331 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19332 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19333 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Schleswig Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19334 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19335 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19336 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Konsequenzen und Analysen der kriegerischen Auseinandersetzung <span id=\"i749618f8607e4b7885106ea1fcf5470c\"></span></span></div><div class=\"ps19340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">zwischen Russland und der Ukraine</span></div><div class=\"ps19341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Unternehmensfortf\u00fchrung (Going Concern)<span id=\"if4dcd2709c9349b7b8bbd71e36a098a8\"></span></span></div><div class=\"ps19344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand der RBI hat den Konzernabschluss zum 31. Dezember </span><span class=\"f charStyle-9eccfdcb ps19342\">2025</span><span class=\"f charStyle-9eccfdcb ps19343\"> basierend auf dem Grundsatz der </span></div><div class=\"ps19345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensfortf\u00fchrung erstellt, da er nicht beabsichtigt, die RBI zu liquidieren, und dies auf Grundlage der derzeit </span></div><div class=\"ps19346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgbaren Informationen als realistische Absicht angesehen wird.<span class=\"f ps24\"> </span></span></div><div class=\"ps2143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber die erforderlichen wirtschaftlichen Ressourcen, um die laufenden aufsichtsrechtlichen Anforderungen zu <span class=\"f ps24\"> </span></span></div><div class=\"ps19347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllen und den Gesch\u00e4fts- und Liquidit\u00e4tsbedarf finanzieren zu k\u00f6nnen, die unter anderem das Liquidit\u00e4ts- und <span class=\"f ps24\"> </span></span></div><div class=\"ps19348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsprofil, einschlie\u00dflich Prognosen der internen Liquidit\u00e4tskennzahlen und der aufsichtsrechtlichen </span></div><div class=\"ps19349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsdeckungsquoten umfassen. Die j\u00fcngsten intern durchgef\u00fchrten Stresstest-Szenarien f\u00fcr den Liquidit\u00e4ts- und </span></div><div class=\"ps19350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalbedarf zeigten, dass die RBI \u00fcber angemessene Ressourcen verf\u00fcgt, um m\u00f6glichen Abw\u00e4rtsszenarien standzuhalten. </span></div><div class=\"ps19351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich verf\u00fcgt die RBI \u00fcber robuste Systeme, um die Unterbrechung des Gesch\u00e4ftsbetriebs in einem Kriegsgebiet </span></div><div class=\"ps19352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzufedern. </span></div><div class=\"ps19353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand der RBI sieht keine wesentlichen Unsicherheiten im Hinblick auf die Annahme einer positiven Fortbestehungs-</span></div><div class=\"ps19354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognose. Diese Annahme ist mit Datum der Genehmigung des zu ver\u00f6ffentlichenden Gesch\u00e4ftsbericht, dem 17. Februar 2026, </span></div><div class=\"ps19355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr mindestens ein Jahr g\u00fcltig. </span></div><div class=\"ps19356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kontrolltatbestand<span id=\"iae9f045c5fdb4a9ca5bded94040293f2\"></span></span></div><div class=\"ps19357 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das wirtschaftliche und politische Umfeld infolge des Kriegs k\u00f6nnte darauf hindeuten, dass sich die F\u00e4higkeit des Investors zur </span></div><div class=\"ps19358 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beherrschung des Tochterunternehmens gem\u00e4\u00df IFRS 10 in den betroffenen Gebieten ver\u00e4ndert hat. In der RBI sind davon die </span></div><div class=\"ps19359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ukraine und Russland betroffen.<span class=\"f ps24\"> </span></span></div><div class=\"ps19360 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Beurteilung, ob Beherrschung vorliegt, \u00fcberpr\u00fcft die RBI entsprechend den Anforderungen von IFRS 10 unter anderem, ob </span></div><div class=\"ps19361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sie schwankenden Renditen aus ihrem Engagement in den Beteiligungsunternehmen ausgesetzt ist, beziehungsweise Anrechte </span></div><div class=\"ps19362 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf diese besitzt und die F\u00e4higkeit hat, diese Renditen mittels ihrer Verf\u00fcgungsgewalt \u00fcber das Beteiligungsunternehmen zu </span></div><div class=\"ps19363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen. Sind Stimmrechte ma\u00dfgeblich, beherrscht die RBI ein Unternehmen, wenn sie direkt oder indirekt mehr als 50 </span></div><div class=\"ps19364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent der Stimmrechte an dem Unternehmen besitzt, ausgenommen es gibt Anzeichen, dass ein anderer Investor \u00fcber die </span></div><div class=\"ps19365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">praktische M\u00f6glichkeit verf\u00fcgt, die relevanten T\u00e4tigkeiten einseitig zu bestimmen. \u00c4hnlich beurteilt die RBI das Vorliegen einer </span></div><div class=\"ps19366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beherrschung in F\u00e4llen, in denen sie nicht die Mehrheit der Stimmrechte besitzt, aber die praktische M\u00f6glichkeit zur einseitigen </span></div><div class=\"ps19367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Lenkung der relevanten T\u00e4tigkeiten hat. Dies kann der Fall sein, wenn die RBI aufgrund der Gr\u00f6\u00dfe und Verteilung des </span></div><div class=\"ps19368 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stimmrechtsbesitzes der Anteilseigner die M\u00f6glichkeit zur Beherrschung der relevanten T\u00e4tigkeiten besitzt. Wenn Tatsachen </span></div><div class=\"ps19369 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Umst\u00e4nde darauf hindeuten, dass sich ein oder mehrere Elemente der Beherrschung ge\u00e4ndert haben, wird neu beurteilt, ob </span></div><div class=\"ps19370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Kontrolle \u00fcber das Beteiligungsunternehmen noch besteht.</span></div><div class=\"ps19371 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Beurteilung der Tatsachen und Umst\u00e4nde pr\u00fcft die RBI sorgf\u00e4ltig, ob es aufgrund des Kriegs oder der verh\u00e4ngten </span></div><div class=\"ps19372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen zu Ver\u00e4nderungen gekommen ist, welche die F\u00e4higkeit zur Aus\u00fcbung ihrer Rechte oder zur Einhaltung der </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Governance-Bestimmungen in Bezug auf die Tochtergesellschaft erheblich einschr\u00e4nkt. Die RBI kommt weiterhin zum Schluss, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass keine \u00c4nderungen im Hinblick auf die Beurteilung der Beherrschung vorliegt und es zu keinem Beherrschungsverlust \u00fcber </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Tochterunternehmen in den betroffenen Gebieten kam.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einer Gerichtsverhandlung am 4. August 2025 gab der Kassationsgerichtshof in St. Petersburg dem Antrag der AO </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank auf Aufhebung der einstweiligen Verf\u00fcgung statt und hob das \u00dcbertragungsverbot f\u00fcr die Aktien der AO </span></div><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank auf</span><div class=\"ps19375 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Pro-forma-Darstellung der Gewinn- und Verlustrechnung sowie der Bilanz ohne <span id=\"i472c927036c2431685dcd380cac284e2\"></span></span></div><div class=\"ps19376 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Russland basierend auf IFRS 5</span></div><div class=\"ps19377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Obwohl die Voraussetzungen f\u00fcr die Anwendung von IFRS 5 derzeit nicht vorliegen, zeigen die folgenden Tabellen die Pro-<span class=\"f ps24\"> </span></span></div><div class=\"ps19378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">forma-Gewinn- und Verlustrechnung sowie die Bilanz der RBI, wie sie nach Anwendung der Regelungen f\u00fcr aufgegebene </span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbereiche gem\u00e4\u00df IFRS 5 f\u00fcr die russischen Einheiten aussehen w\u00fcrde. Folglich wurde das konsolidierte Ergebnis der <span class=\"f ps24\"> </span></span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Einheiten in den Posten Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen umgegliedert.</span></div><div class=\"ps19381 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund der Schwierigkeit, m\u00f6gliche zuk\u00fcnftige Entwicklungen einzusch\u00e4tzen, wird ein potenzieller Verlust aus der </span></div><div class=\"ps19106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entkonsolidierung, der sich aus dem Verlust des Nettoverm\u00f6gens sowie der Umgliederung aus dem sonstigen Ergebnis in die </span></div><div class=\"ps19107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn- und Verlustrechnung zusammensetzt, nicht in den Tabellen dargestellt. Die Umgliederung aus dem sonstigen Ergebnis </span></div><div class=\"ps19108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte keine Auswirkung auf das regulatorische Kapital sowie die Kapitalquoten der RBI und erg\u00e4be sich vorwiegend aus </span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">historischen W\u00e4hrungsschwankungen. </span></div><div class=\"ps19382 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter Einbeziehung des Periodenergebnisses sowie des vollst\u00e4ndigen Verlusts des Nettoverm\u00f6gens bei Entkonsolidierung der </span></div><div class=\"ps19385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Einheiten erg\u00e4be sich f\u00fcr die RBI eine harte Kernkapitalquote von 15,5 Prozent verglichen mit </span><span class=\"f charStyle-9eccfdcb ps19383\">17,9</span><span class=\"f charStyle-9eccfdcb ps19384\"> Prozent, wenn die </span></div><div class=\"ps19386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Gesch\u00e4ftst\u00e4tigkeiten einbezogen bleiben.</span></div><div class=\"ps19566 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps17418\">RBI<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19388 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps19387\">Pro-forma-IFRS 5-Effekt Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19389 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps9627\">RBI Pro-forma-IFRS 5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps51 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zins\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19396 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12625\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19397 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17204\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19399 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19398\">-1.617<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19401 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19400\">-1.498<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19403 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19402\">4.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps19404 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps16496\">4.281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4171\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8758\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19410\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8758\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Laufendes Ergebnis aus assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19414 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19413\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8926\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19416 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19417 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17371\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19418 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19413\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19420 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19419\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Provisions\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17772\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19423 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19422\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19424 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12614\">-739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19425\">-808<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19427 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17770\">1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19429 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19428\">1.830<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Handelsergebnis und Ergebnis aus Fair-Value-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps7864\">253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19431 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps4132\">111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19432 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18553\">-261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19433\">-41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19435 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17473\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19436 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps15111\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19437 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19439 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19440 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19441 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10720\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19442 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges betriebliches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19444 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19443\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19445 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17548\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19447 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19446\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19448 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11126 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17496\">141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19449 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17779\">92<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19450 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps67\">9.097<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19451 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps415\">8.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19452 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11549\">-2.627<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14260 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps1538\">-2.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19453 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps360\">6.470<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19454 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6729\">6.361<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Personalaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19455 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps279\">-2.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10357\">-2.053<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19458 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19457\">522<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19459 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7891\">347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19460 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps13156\">-1.825<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19462 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19461\">-1.706<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sachaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19464 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19463\">-1.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19465 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11298\">-1.261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19467 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19466\">90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19468 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17407\">85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19469 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11298\">-1.192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19470 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19398\">-1.176<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Abschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19471 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7987\">-506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19472 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8449\">-472<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19474 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19473\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19475 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18709\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19476 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps3820\">-439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19477 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8448\">-428<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5197 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Verwaltungsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19479 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19478\">-4.134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19480 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps80\">-3.786<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19482 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19481\">679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19484 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19483\">476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19485 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9387\">-3.456<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19486 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps10357\">-3.310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19487 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps14906\">4.963<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19488 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps17762\">4.915<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19489 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6065\">-1.949<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19490 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6383\">-1.865<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19491 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps17764\">3.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19493 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19492\">3.050<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbriges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19495 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19494\">-1.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19496 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps9445\">-1.590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19497 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17761\">1.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19499 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19498\">843<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19500 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1511\">-310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19501 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12558\">-748<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5543 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Staatliche Ma\u00dfnahmen und Pflichtabgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19502 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps56\">-270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19503 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18553\">-216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19504 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17456\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19505 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19410\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19506 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8448\">-248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19507 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8062\">-185<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen auf finanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19509 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19508\">-141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19511 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19510\">-125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19512 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17793\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14356 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18553\">-162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19513 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18553\">-192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19515 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19514\">-287<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6477 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19516 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps67\">2.634<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19517 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps366\">2.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19518 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13926\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19519 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps15654\">-1.154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19520 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps100\">2.263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19521 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps138\">1.830<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13120 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19523 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19522\">-1.013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19525 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19524\">-953<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19526 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12617\">492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19527 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps13442\">399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19528 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19510\">-521<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19529 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps252\">-554<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13129 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesch\u00e4ftsbereichen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19530 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6723\">1.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19531 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12624\">2.031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19533 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19532\">122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19534 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13444\">-755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19536 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19535\">1.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19538 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19537\">1.275<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15503 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19539 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19540 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12614\">-673<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19542 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19541\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19544 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19543\">755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19545 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19541\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19546 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17462\">82<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13587 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19547 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6723\">1.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19549 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19548\">1.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19550 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19551 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19552 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps6723\">1.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19553 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19548\">1.358<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5497 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19554 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8332\">-250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19555 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7223\">-201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19556 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19557 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19558 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8332\">-250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19559 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7223\">-201<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6579 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19560 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps113\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19561 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps438\">1.157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19562 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19563 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19564 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps113\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19565 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps438\">1.157<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps17418\">RBI<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19388 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps19387\">Pro-forma-IFRS 5-Effekt Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19389 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps9627\">RBI Pro-forma-IFRS 5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19396 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps187\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19567\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19568\">-11.119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19401 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps78\">-3.906<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19403 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19569\">24.221<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19404 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps9387\">30.965<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11934\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19571 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps6192\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19572 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps6458\">-5.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19573\">-10.533<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19575 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7194\">150.159<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19577 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19576\">137.169<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps62\">4.486<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19580 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19579\">3.610<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19581 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8750\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps9585\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19583 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps1706\">4.483<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19585 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19584\">3.606<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">- Mandatorily Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19586 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17915\">1.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19537\">1.094<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19588 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14225 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19589 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17915\">1.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19590 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19537\">1.094<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19591 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps7791\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19593 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19592\">304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19594 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19595 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19596 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps7791\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19597 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19592\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19598 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps40\">7.230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19600 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19599\">5.945<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19602 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19601\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19603 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18132\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19604 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12635\">7.196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19606 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19605\">5.925<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19607 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17761\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19609 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19608\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19610 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18683\">-47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19612 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19611\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19614 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19613\">1.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19615 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1623\">1.009<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10913 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19616 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps15126\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19617 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12478\">-234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19618 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19194\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19619 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19410\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11133 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12558\">-355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19620 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8332\">-205<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19621 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17791\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19622 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps10640\">871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19623 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17371\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19624 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17371\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19625 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17223\">943<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19626 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8064\">870<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19627 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12592\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19628\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19630 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8448\">-248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19631 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19510\">-187<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19632 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps16873\">1.481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19634 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19633\">1.496<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19635 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17704\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19637 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19636\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19639 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19638\">-148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19640 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17672\">-90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19641 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17726\">959<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19642 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7817\">913<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19644 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19643\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19646 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19645\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19647 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19648 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps9585\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19649 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19643\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19650 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10640\">125<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19651 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17427\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19653 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19652\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19654 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19643\">-76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19656 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19655\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19657 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17779\">92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19658 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17554\">98<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19659 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18468\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19660 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps4150\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19661 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps6236\">17.073<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19662 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps1569\">14.890<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19663 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11281\">17.077<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19664 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps9799\">14.899<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7931 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19665 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7448\">1.344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19666 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17913\">1.636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19668 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19667\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19669 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17793\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19670 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12592\">1.279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19671 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12608\">1.585<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1680 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19672 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11153\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19673 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9377\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19674 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19675 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19676 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11153\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19677 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9377\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19724 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps17418\">RBI<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19388 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps19387\">Pro-forma-IFRS 5-Effekt Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19389 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps9627\">RBI Pro-forma-IFRS 5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13265\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19396 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7195\">170.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7194\">163.316<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7125\">-10.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19401 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps6365\">-8.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19403 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12957\">159.859<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19404 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1597\">154.321<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11922\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17704\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11922\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17704\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19678\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19580 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps13098\">9.304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19581 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19679\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19583 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19678\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19585 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19402\">9.292<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12617\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19423 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19428\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19424 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19680\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19541\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19427 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12617\">924<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19429 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12620\">1.186<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19681\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19431 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19524\">-359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19432 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps8832\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19435 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12611\">-341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19436 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19608\">-340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19437 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19683\">2.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19684\">2.902<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19439 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12554\">-497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19440 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12774\">-961<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19441 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19425\">2.177<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19442 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps3820\">1.941<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19444 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19685\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19445 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18487\">217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19447 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19685\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19448 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19686\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11126 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19270\">106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19449 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12450\">173<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19450 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17407\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19451 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15180\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19452 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps9585\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14260 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17695\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19453 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15109\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19454 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15180\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19455 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19458 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps13156\">11.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19459 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11961\">10.388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19460 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps13156\">11.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19462 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps11961\">10.388<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19687 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12583\">1.594<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19688 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17913\">1.663<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19690 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19689\">-171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19691 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12630\">-263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19692 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps111\">1.423<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19693 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17757\">1.400<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19694 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8547\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19695 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11962\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19696 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19697 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19698 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8547\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19699 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11962\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps1864\">Konzern-Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19700 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps317\">19.452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19701 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps422\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19702 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19703 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19704 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps317\">19.452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19705 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps422\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps1864\">Kapital nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19706 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19628\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19707 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12608\">1.260<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19708 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19709 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11149 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19628\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19710 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12608\">1.260<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11746 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps1864\">Zus\u00e4tzliches Kernkapital (AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19711 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11332\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19713 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19712\">1.781<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19714 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19715 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19716 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11332\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19717 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19712\">1.781<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13562 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19718 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11153\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19719 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9377\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19720 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19721 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19722 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11153\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19723 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9377\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Konzentrationsrisiko<span id=\"id486c8f4115e4b91a1a93c79ce6a6fb8\"></span></span></div><div class=\"ps19727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seit dem Kriegsausbruch in der Ukraine sind die Aktivit\u00e4ten der RBI in Russland und in der Ukraine einem erh\u00f6hten Risiko </span></div><div class=\"ps19728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesetzt. Das erh\u00f6hte Risiko ergibt sich aus einer Reihe von Faktoren wie die Zerst\u00f6rung von Lebensgrundlagen und </span></div><div class=\"ps19729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Infrastruktur in der Ukraine, den Verlust und die Blockierung von H\u00e4fen, gegen Russland verh\u00e4ngte Sanktionen, die Ungewissheit </span></div><div class=\"ps19730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber die Dauer des Kriegs sowie die Preisinstabilit\u00e4t und den wirtschaftlichen R\u00fcckgang in den betroffenen L\u00e4ndern. Die <span class=\"f ps24\"> </span></span></div><div class=\"ps19731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehenden Forderungen in Russland und in der Ukraine werden in den folgenden Tabellen dargestellt. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erste Tabelle zeigt eine Aufteilung des Nettobuchwerts nach IFRS-Bewertungskategorien sowie das Nominale der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">au\u00dferbilanziellen Gesch\u00e4fte abz\u00fcglich der darauf entfallenden Wertminderungen. Die zweite Tabelle zeigt das </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzentrationsrisiko anhand von Gegenparteien, wobei Derivate des Handelsbuchs separat dargestellt werden.<span class=\"f ps24\"> </span></span></div><div class=\"ps19753 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps19733\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10335 ss1194\"><div><div class=\"ps3137 ss715\"><span class=\"f charStyle-1dbd4d87 ps19734\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12501\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18489\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11927\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12501\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18489\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11927\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19396 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19735\">6.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps32\">2.395<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps6015\">8.740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19401 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1647\">12.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19403 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps13014\">2.473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19404 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10357\">14.598<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19736\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps7838\">979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17573\">982<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps18468\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps3144\">770<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19686\">774<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">- Mandatorily Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19580 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19581 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19583 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19585 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19586 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19588 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14225 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19589 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19590 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19591 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19419\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19593 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4132\">111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19594 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19737\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19595 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15180\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19596 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18120\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19597 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7828\">174<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12884 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19739 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19738\">6.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19740 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps123\">3.486<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19741 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps118\">9.885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19742 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13409\">12.185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19743 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps118\">3.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19744 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9810\">15.549<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19745 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17774\">2.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19746 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19608\">1.401<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19747 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12629\">3.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19748 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps453\">2.018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19749 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps1631\">1.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19750 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12625\">3.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19616 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19751\">8.674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19617 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18567\">4.887<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19618 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19567\">13.561<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19619 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps10119\">14.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11133 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps7127\">4.412<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19620 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19752\">18.615<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19795 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:135.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3811 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps19733\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10335 ss1194\"><div><div class=\"ps3137 ss715\"><span class=\"f charStyle-1dbd4d87 ps19734\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19390 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12501\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19391 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18489\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11927\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19393 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12501\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18489\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1192\"><div><div class=\"ps3137 ss1191\"><span class=\"f charStyle-1dbd4d87 ps11927\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19396 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17263\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17263\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19401 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15180\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19403 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19682\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19404 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18709\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1458\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8084\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7864\">387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps40\">5.697<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17759\">255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19605\">5.952<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19414 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12597\">1.958<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19579\">1.306<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19416 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps32\">3.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19417 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19754\">1.078<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19418 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12630\">1.129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19420 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps489\">2.207<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19755 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps3220\">1.553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19652\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19757 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12635\">1.769<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19758 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12597\">1.985<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19759 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12617\">593<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19760 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19683\">2.579<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19761 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19652\">162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19419\">64<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19763 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19685\">227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19764 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1501\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19765 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19413\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19766 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19652\">192<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3845 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7808\">789<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19767 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17915\">1.437<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19769 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19768\">2.226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19771 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19770\">1.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11119 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12620\">1.198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19772 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps93\">2.580<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3851 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19425\">1.772<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19773 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps4181\">196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19774 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15881\">1.968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19775 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12567\">1.831<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19776 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7817\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19777 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19633\">1.994<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19778 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19738\">6.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19779 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps123\">3.486<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19780 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps118\">9.885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19781 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps13409\">12.185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19782 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps118\">3.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19783 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps9810\">15.549<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss263\"><div><div class=\"ps1485 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss262\"><span class=\"f charStyle-375ad3a6 ps30\">Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19784 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17774\">2.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19785 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19608\">1.401<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19786 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12629\">3.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19787 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps453\">2.018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19788 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps1631\">1.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19789 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps12625\">3.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss270\"><div><div class=\"ps31 ss262\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19790 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19751\">8.674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19791 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18567\">4.887<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19792 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19567\">13.561<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14274 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps10119\">14.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19793 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps7127\">4.412<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19794 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps19752\">18.615<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zu den Auswirkungen auf die Modelle zur Berechnung der Wertminderungen gem\u00e4\u00df IFRS 9 wird auf Punkt </span></span><span class=\"f charStyle-26fbf26f ps19796\"><span style=\"background-color:inherit\">(31) Erwartete </span></span></div><div class=\"ps19799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditverluste</span></span><span class=\"f charStyle-26fbf26f ps19798\"><span style=\"background-color:inherit\"> verwiesen.</span></span></div><div class=\"ps19800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeit der Sicherheiten in der Ukraine<span id=\"i09006ecd447a45af986f7d4f4f6f8e30\"></span></span></div><div class=\"ps19801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Immobilienmarkt ist weiterhin stark vom Krieg betroffen, passt sich aber gleichzeitig den neuen Realit\u00e4ten an. Im Westen <span class=\"f ps24\"> </span></span></div><div class=\"ps19802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Ukraine nimmt die Nachfrage nach Gesch\u00e4ften und Lagerimmobilien zu, was ebenfalls zu Preissteigerungen f\u00fchrt, jene </span></div><div class=\"ps19803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach B\u00fcroimmobilien nimmt jedoch ab. Die Preise auf dem prim\u00e4ren Wohnimmobilienmarkt sind im Jahr 2025 in fast allen <span class=\"f ps24\"> </span></span></div><div class=\"ps19804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regionen gestiegen. In den besetzten Gebieten werden die Sicherheiten als nicht anrechenbar eingestuft. In jenen Regionen, </span></div><div class=\"ps19805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welche einem hohem Risiko von Feindseligkeiten oder Besetzung ausgesetzt sind, wurden deutlich h\u00f6here Abschl\u00e4ge </span></div><div class=\"ps19806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt. F\u00fcr andere Gebiete der Ukraine finden laufend Vor-Ort-Besuche und Bewertungen statt.</span></div><div class=\"ps19807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest f\u00fcr das Sachanlageverm\u00f6gen und immaterielle Verm\u00f6genswerte<span id=\"iaad67818e9a045fabadb1519c7ea40a7\"></span></span></div><div class=\"ps19808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund der kriegerischen Auseinandersetzung zwischen Russland und der Ukraine wurde in beiden L\u00e4ndern das </span></div><div class=\"ps19809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachanlageverm\u00f6gen und die immateriellen Verm\u00f6genswerte gem\u00e4\u00df IAS 36 auf Indikatoren \u00fcberpr\u00fcft, die zu einer </span></div><div class=\"ps19810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung f\u00fchren k\u00f6nnten.</span></div><div class=\"ps19811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Ukraine wurde jenes Sachanlageverm\u00f6gen, welches sich in den besetzten Gebieten befindet, bereits im Jahr 2022 auf null </span></div><div class=\"ps19812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschrieben. Alle anderen Sachanlageverm\u00f6genswerte werden einzeln begutachtet und wenn es zu Sch\u00e4digungen kommt, </span></div><div class=\"ps19813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wertberichtigt. Daraus ergaben sich im Gesch\u00e4ftsjahr 2025 Zuschreibungen von unter \u20ac 1 Million (Vorjahr: Zuschreibungen unter </span></div><div class=\"ps19814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 1 Million).</span></div><div class=\"ps19815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Durch ver\u00e4nderte Marktpreise, Zinss\u00e4tze, Mietpreise und leerstehende Immobilien aufgrund der aktuellen geopolitischen Lage </span></span></div><div class=\"ps19816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und einer detaillierteren Bewertung ergaben sich in Russland aus dem Werthaltigkeitstest f\u00fcr Sachanlagen Wertminderungen in </span></span></div><div class=\"ps19817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der H\u00f6he von rund \u20ac 1 Million (Vorjahr: Zuschreibungen \u20ac 8 Millionen). Aus dem Werthaltigkeitstest f\u00fcr immaterielle </span></span></div><div class=\"ps19818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Verm\u00f6genswerte ergaben sich in der Berichtsperiode Wertminderungen von \u20ac 3 Millionen (Vorjahr: Zuschreibungen unter \u20ac 1 </span></span></div>Million).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-403": {
   "value": "<div class=\"ps18850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Grunds\u00e4tze der Erstellung<span id=\"i2919ba7f9e45429c9fd79ae5d2d7ba1c_2717\"></span><span id=\"i63d33559cf6442c0a5833c776d74bb22\"></span></span></div><div class=\"ps18851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzernabschluss wird in \u00dcbereinstimmung mit den vom International Accounting Standards Board (IASB) </span></div><div class=\"ps18852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herausgegebenen International Financial Reporting Standards (IFRS) und den auf Basis der IAS Verordnung (EG) 1606/2002 durch </span></div><div class=\"ps18853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die EU \u00fcbernommenen internationalen Rechnungslegungsstandards einschlie\u00dflich der anzuwendenden Interpretationen des </span></div><div class=\"ps18854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">International Financial Reporting Interpretations Committee (IFRIC/SIC) erstellt. Noch nicht anzuwendende Standards und </span></div><div class=\"ps18855 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Interpretationen, welche von der EU ver\u00f6ffentlicht und \u00fcbernommen wurden, sind im Abschnitt noch nicht anzuwendende </span></div><div class=\"ps18856 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Standards und Interpretationen (EU-Endorsement ist bereits erfolgt) erl\u00e4utert. </span></div><div class=\"ps18857 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiters erf\u00fcllt der Konzernabschluss die Voraussetzungen des \u00a7 245a UGB und des \u00a7 59a BWG \u00fcber befreiende </span></div><div class=\"ps18858 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschl\u00fcsse nach international anerkannten Rechnungslegungsgrunds\u00e4tzen. </span></div><div class=\"ps18859 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Verm\u00f6genswert wird in der Bilanz angesetzt, wenn es wahrscheinlich ist, dass der k\u00fcnftige wirtschaftliche Nutzen dem </span></div><div class=\"ps18860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen zuflie\u00dfen wird, und wenn seine Anschaffungs- oder Herstellungskosten oder ein anderer Wert verl\u00e4sslich </span></div><div class=\"ps18861 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden k\u00f6nnen. Eine Schuld wird in der Bilanz angesetzt, wenn es wahrscheinlich ist, dass sich aus der Erf\u00fcllung einer </span></div><div class=\"ps18862 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegenw\u00e4rtigen Verpflichtung ein direkter Abfluss von Ressourcen ergeben wird, die wirtschaftlichen Nutzen enthalten, und </span></div><div class=\"ps18863 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn deren Erf\u00fcllungsbetrag verl\u00e4sslich bewertet werden kann. Davon ausgenommen sind bestimmte Finanzinstrumente, die </span></div><div class=\"ps18864 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum beizulegenden Zeitwert am Bilanzstichtag angesetzt werden. Ertr\u00e4ge werden, sofern die zugrunde liegenden Vertr\u00e4ge </span></div><div class=\"ps18865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Anwendungsbereich von IFRS 9 oder IFRS 16 fallen, erfasst, wenn es unter Einhaltung der Bedingungen des IFRS 15 </span></div><div class=\"ps12092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich ist, dass der wirtschaftliche Nutzen dem Konzern zuflie\u00dfen wird, und die H\u00f6he der Ertr\u00e4ge verl\u00e4sslich bestimmt </span></div><div class=\"ps12093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden kann.</span><span class=\"f charStyle-9eccfdcb ps18866\"> Der vorliegende Konzernabschluss wurde basierend auf dem Grundsatz der Unternehmensfortf\u00fchrung erstellt. </span></div><div class=\"ps18867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Grundlage f\u00fcr den Konzernabschluss bilden die auf Basis der IFRS-Bestimmungen nach konzerneinheitlichen Standards </span></div><div class=\"ps18868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstellten Berichtspakete aller vollkonsolidierten Unternehmen. Alle wesentlichen Tochtergesellschaften erstellen ihre </span></div><div class=\"ps18869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresabschl\u00fcsse per 31. Dezember. Einige au\u00dferhalb des Anhangs gemachte IFRS-Angaben sind wesentliche Bestandteile des </span></div><div class=\"ps18870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschlusses. Dabei handelt es sich im Wesentlichen um Erl\u00e4uterungen zu den Segmentergebnissen, die in den Angaben </span></div><div class=\"ps18873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Segmentberichterstattung dargestellt werden. Ausf\u00fchrliche Erl\u00e4uterungen gem\u00e4\u00df IFRS 7 sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps18871\">(41) Kreditrisiko</span><span class=\"f charStyle-9eccfdcb ps18872\">, </span></div><div class=\"ps18877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps18874\"> und </span><span class=\"f charStyle-9eccfdcb ps18875\">(43) Liquidit\u00e4tsmanagement</span><span class=\"f charStyle-9eccfdcb ps18876\"> dargestellt. Die Darstellung dieser Informationen erfolgt in \u00dcbereinstimmung </span></div><div class=\"ps18878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit IFRS 8 Gesch\u00e4ftssegmente bzw. IFRS 7 Angaben zu Finanzinstrumenten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-404": {
   "value": "Der vorliegende Konzernabschluss wurde basierend auf dem Grundsatz der Unternehmensfortf\u00fchrung erstellt. <div class=\"ps19341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Unternehmensfortf\u00fchrung (Going Concern)<span id=\"if4dcd2709c9349b7b8bbd71e36a098a8\"></span></span></div><div class=\"ps19344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand der RBI hat den Konzernabschluss zum 31. Dezember </span><span class=\"f charStyle-9eccfdcb ps19342\">2025</span><span class=\"f charStyle-9eccfdcb ps19343\"> basierend auf dem Grundsatz der </span></div><div class=\"ps19345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensfortf\u00fchrung erstellt, da er nicht beabsichtigt, die RBI zu liquidieren, und dies auf Grundlage der derzeit </span></div><div class=\"ps19346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgbaren Informationen als realistische Absicht angesehen wird.<span class=\"f ps24\"> </span></span></div><div class=\"ps2143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber die erforderlichen wirtschaftlichen Ressourcen, um die laufenden aufsichtsrechtlichen Anforderungen zu <span class=\"f ps24\"> </span></span></div><div class=\"ps19347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllen und den Gesch\u00e4fts- und Liquidit\u00e4tsbedarf finanzieren zu k\u00f6nnen, die unter anderem das Liquidit\u00e4ts- und <span class=\"f ps24\"> </span></span></div><div class=\"ps19348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsprofil, einschlie\u00dflich Prognosen der internen Liquidit\u00e4tskennzahlen und der aufsichtsrechtlichen </span></div><div class=\"ps19349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsdeckungsquoten umfassen. Die j\u00fcngsten intern durchgef\u00fchrten Stresstest-Szenarien f\u00fcr den Liquidit\u00e4ts- und </span></div><div class=\"ps19350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalbedarf zeigten, dass die RBI \u00fcber angemessene Ressourcen verf\u00fcgt, um m\u00f6glichen Abw\u00e4rtsszenarien standzuhalten. </span></div><div class=\"ps19351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich verf\u00fcgt die RBI \u00fcber robuste Systeme, um die Unterbrechung des Gesch\u00e4ftsbetriebs in einem Kriegsgebiet </span></div><div class=\"ps19352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzufedern. </span></div><div class=\"ps19353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand der RBI sieht keine wesentlichen Unsicherheiten im Hinblick auf die Annahme einer positiven Fortbestehungs-</span></div><div class=\"ps19354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognose. Diese Annahme ist mit Datum der Genehmigung des zu ver\u00f6ffentlichenden Gesch\u00e4ftsbericht, dem 17. Februar 2026, </span></div>f\u00fcr mindestens ein Jahr g\u00fcltig.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-406": {
   "value": "<div class=\"ps18879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und <span id=\"ifd020ee4f3a64b62a182f8da84dfa865\"></span></span></div><div class=\"ps18880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">finanziellen Verbindlichkeiten</span></div><div class=\"ps18881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Finanzinstrument ist ein Vertrag, der gleichzeitig bei einem Gesch\u00e4ftspartner zu einem finanziellen Verm\u00f6genswert und </span></div><div class=\"ps18882 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim anderen zu einer finanziellen Schuld oder einem Eigenkapitalinstrument f\u00fchrt. Beim erstmaligen Ansatz sind </span></div><div class=\"ps18883 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzinstrumente mit dem beizulegenden Zeitwert zu bewerten; dieser entspricht in der Regel dem Transaktionspreis zum </span></div><div class=\"ps18884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt. Stellt eine Konzerneinheit fest, dass der beizulegende Zeitwert beim erstmaligen Ansatz vom <span class=\"f ps24\"> </span></span></div><div class=\"ps18885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionspreis abweicht, diese Bewertung zum beizulegenden Zeitwert jedoch nicht durch eine Bewertungstechnik belegt <span class=\"f ps24\"> </span></span></div><div class=\"ps18886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, die ausschlie\u00dflich Daten aus beobachtbaren M\u00e4rkten verwendet, dann wird der Buchwert des finanziellen Verm\u00f6genswerts <span class=\"f ps24\"> </span></span></div><div class=\"ps18887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder der finanziellen Verbindlichkeit beim erstmaligen Ansatz angepasst, um die Differenz zwischen der Bewertung zum </span></div><div class=\"ps18888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert und dem Transaktionspreis abzugrenzen. Die abgegrenzte Differenz wird in der Folge nur insoweit als </span></div><div class=\"ps18889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn oder Verlust erfasst, als sie sich aus der \u00c4nderung eines Faktors (einschlie\u00dflich des Zeitpunkts) ergibt, den die </span></div><div class=\"ps18890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktteilnehmer:innen bei der Preisbildung ber\u00fccksichtigen w\u00fcrden. Gem\u00e4\u00df IFRS 13 ist der beizulegende Zeitwert als </span></div><div class=\"ps18891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungspreis definiert. In der Folgebewertung werden Finanzinstrumente in Abh\u00e4ngigkeit von der jeweiligen </span></div><div class=\"ps18892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungskategorie gem\u00e4\u00df IFRS 9 entweder zu (fortgef\u00fchrten) Anschaffungskosten oder zum beizulegenden Zeitwert (Fair </span></div><div class=\"ps18893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value) in der Bilanz angesetzt. </span></div><div class=\"ps18894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Klassifizierung von finanziellen Verm\u00f6genswerten nach IFRS 9 basiert auf zwei Kriterien, einerseits dem Gesch\u00e4ftsmodell </span></div><div class=\"ps18895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter welchem der Verm\u00f6genswert verwaltet wird und andererseits den Charakteristika der vertraglichen Zahlungsstr\u00f6me. F\u00fcr </span></div><div class=\"ps18896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI ergeben sich hieraus f\u00fcnf Kategorien f\u00fcr finanzielle Verm\u00f6genswerte:</span></div><div class=\"ps18897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte (Amortized Cost, AC)</span></div><div class=\"ps18898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erfolgsneutral zum Fair Value bewertete finanzielle Verm\u00f6genswerte (Fair Value Through Other Comprehensive </span></div><div class=\"ps18899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Income, FVOCI)</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zwingend als erfolgswirksam zum Fair Value bewertete finanzielle Verm\u00f6genswerte (Fair Value Through Profit/Loss, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">FVTPL)</span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Optional als erfolgswirksam zum Fair Value bewertete finanzielle Verm\u00f6genswerte (FVTPL) </span></div><div class=\"ps18900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Held For Trading (HFT).</span></div><div class=\"ps3510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bilanzierung der finanziellen Verbindlichkeiten nach IFRS 9 erfolgt \u00fcberwiegend zu (fortgef\u00fchrten) Anschaffungskosten </span></div><div class=\"ps5827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Finanzielle Verbindlichkeiten \u2013 Amortized Cost) unter Anwendung der Effektivzinsmethode mit Ausnahme jener finanziellen </span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zum beizulegenden Zeitwert (Fair Value) bewertet werden. Letztere umfassen jene finanziellen </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zu Handelszwecken gehalten werden (Finanzielle Verbindlichkeiten \u2013 Held For Trading), und solche, die in </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die FVTPL-Kategorie designiert wurden (Finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss). Bei den zum </span></div><div class=\"ps18902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair Value Through Profit/Loss designierten finanziellen Verbindlichkeiten sind die Ver\u00e4nderungen des beizulegenden Zeitwerts, </span></div><div class=\"ps18903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die sich aus Ver\u00e4nderungen des eigenen Ausfallrisikos der RBI ergeben, im sonstigen Ergebnis auszuweisen.</span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach IFRS 9 werden eingebettete Derivate nicht vom Basisvertrag eines finanziellen Verm\u00f6genswerts getrennt. Stattdessen </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden finanzielle Verm\u00f6genswerte gem\u00e4\u00df dem Gesch\u00e4ftsmodell und ihren Vertragsbedingungen klassifiziert, wie im </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschnitt \u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells und im Abschnitt \u00dcberpr\u00fcfung der Charakteristika der vertraglichen </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsstr\u00f6me erl\u00e4utert. Bei Finanzverbindlichkeiten werden eingebettete Derivate nur dann vom Basisinstrument separiert </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und gesondert als Derivat verbucht, wenn deren wirtschaftliche Merkmale und Risiken nicht eng mit den wirtschaftlichen </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Merkmalen und Risiken des Basisvertrags verbunden sind, das eingebettete Derivat der Definition eines Derivats entspricht, und </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das hybride Finanzinstrument keinem finanziellen Verbindlichkeitsposten zugeordnet ist, der zu Handelszwecken gehalten wird, </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder als erfolgswirksam zum Fair Value bewertet eingestuft wird.</span></div><div class=\"ps18912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">N\u00e4here Details zur Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten finden </span></div><span class=\"f charStyle-9eccfdcb ps17\">sich im Anhang bei den jeweiligen Posten der Erfolgsrechnung und der Bilanz</span><div class=\"ps18914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Umklassifizierung finanzieller Verm\u00f6genswerte <span id=\"i9c5f6b5fa0594732a0aa40fca3b74d34\"></span></span></div><div class=\"ps18915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Umklassifizierung ist nur f\u00fcr finanzielle Verm\u00f6genswerte vorgesehen, f\u00fcr finanzielle Verbindlichkeiten ist eine <span class=\"f ps24\"> </span></span></div><div class=\"ps18916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung nicht m\u00f6glich. Eine \u00c4nderung der Bewertungskategorie ist in der RBI nur dann vorgesehen, wenn das </span></div><div class=\"ps18917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodell, das zur Verwaltung eines finanziellen Verm\u00f6genswerts eingesetzt wird, sich \u00e4ndert. Solche \u00c4nderungen </span></div><div class=\"ps18918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">treten erwartungsgem\u00e4\u00df nur sehr selten auf, sie werden vom Management infolge von externen oder internen \u00c4nderungen </span></div><div class=\"ps18919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und m\u00fcssen sowohl f\u00fcr den Betrieb des Unternehmens wesentlich als auch gegen\u00fcber externen Parteien </span></div><div class=\"ps18920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachweisbar sein. Sind diese Voraussetzungen erf\u00fcllt, ist die Umklassifizierung zwingend vorzunehmen. Wenn eine derartige </span></div><div class=\"ps18921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung notwendig ist, ist diese prospektiv ab dem Zeitpunkt der Umklassifizierung vorzunehmen und vom Vorstand </span></div><div class=\"ps18922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI zu genehmigen. </span></div><div class=\"ps20932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein finanzieller Verm\u00f6genswert wird in der RBI zu fortgef\u00fchrten Anschaffungskosten (AC) bewertet, wenn beide der folgenden </span></div><div class=\"ps20933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingungen erf\u00fcllt sind:<span class=\"f ps24\"> </span></span></div><div class=\"ps20934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert wird im Rahmen eines Gesch\u00e4ftsmodells gehalten, dessen Zielsetzung darin besteht, </span></div><div class=\"ps20935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswerte zu verwalten, um vertragliche Cash-Flows zu vereinnahmen.</span></div><div class=\"ps20936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die vertraglichen Ausstattungsmerkmale des Verm\u00f6genswerts f\u00fchren an festgelegten Zeitpunkten zu Cash-Flows, </span></div><div class=\"ps20937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen.</span></div><div class=\"ps20938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Bedingungen sind in den Abschnitten \u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells, \u00dcberpr\u00fcfung der Charakteristika der </span></div><div class=\"ps20939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Zahlungsstr\u00f6me und \u00c4nderungen des Zeitwerts des Geldes und Benchmark-Test detaillierter ausgef\u00fchrt.</span></div><div class=\"ps20940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Kategorie werden vor allem Kredite an Kund:innen bzw. Kredite an Kreditinstitute zugeordnet. Dar\u00fcber hinaus werden </span></div><div class=\"ps20941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen aus Finanzierungsleasing, die gem\u00e4\u00df IFRS 16 bilanziert werden, sowie Wertpapiere, die die oben genannten </span></div><div class=\"ps20942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingungen erf\u00fcllen, unter dieser Bewertungskategorie ausgewiesen. Die Bewertung erfolgt zu fortgef\u00fchrten </span></div><div class=\"ps20943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten. Ein Unterschiedsbetrag zwischen Auszahlungsbetrag und Nennbetrag wird \u2013 sofern Zinscharakter vorliegt </span></div><div class=\"ps20944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u2013 effektivzinsgerecht abgegrenzt und im Zins\u00fcberschuss ausgewiesen. Die Berechnung des Zinsertrags erfolgt auf Basis des </span></div><div class=\"ps20945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bruttobuchwerts, solange der finanzielle Verm\u00f6genswert nicht wertgemindert ist. Sobald der finanzielle Verm\u00f6genswert </span></div><div class=\"ps20946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wertgemindert ist, erfolgt die Berechnung des Zinsertrags auf Basis des Nettobuchwerts. Die fortgef\u00fchrten <span class=\"f ps24\"> </span></span></div><div class=\"ps20947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten werden ferner um die Erfassung des erwarteten Verlusts unter Anwendung des Expected Loss Approach <span class=\"f ps24\"> </span></span></div><div class=\"ps20948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 9 angepasst, wie im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9) dargestellt. Die </span></div><div class=\"ps20949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Effektivzinsmethode ist eine Methode zur Berechnung der fortgef\u00fchrten Anschaffungskosten eines Finanzinstruments und der </span></div><div class=\"ps20950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zuordnung von Zinsaufwendungen und -ertr\u00e4gen zu den jeweiligen Perioden. Der Effektivzinssatz ist derjenige Zinssatz, mit </span></div><div class=\"ps20951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem die gesch\u00e4tzten k\u00fcnftigen Ein- und Auszahlungen (einschlie\u00dflich aller Geb\u00fchren, die Teil des Effektivzinssatzes sind, </span></div><div class=\"ps20952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionskosten und sonstiger Agios und Disagios) \u00fcber die erwartete Laufzeit des Finanzinstruments oder eine k\u00fcrzere </span></div><div class=\"ps20953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Periode, sofern zutreffend, auf den Nettobuchwert aus der erstmaligen Erfassung abgezinst werden.</span></div><div class=\"ps21585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten werden \u00fcberwiegend mit den fortgeschriebenen Anschaffungskosten angesetzt. Unterschiedsbetr\u00e4ge </span></div><div class=\"ps21586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen Auszahlungsbetrag und Nennbetrag werden effektivzinsgerecht abgegrenzt und im Zins\u00fcberschuss ausgewiesen. In </span></div><div class=\"ps21587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Kategorie werden vor allem Kundeneinlagen und Wertpapieremissionen, die der Refinanzierung dienen, ausgewiesen.</span></div><div class=\"ps21588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emittiertes Nachrangkapital und Erg\u00e4nzungskapital werden entweder in dem Posten finanzielle Verbindlichkeiten \u2013 Amortized <span class=\"f ps24\"> </span></span></div><div class=\"ps21589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cost oder finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss ausgewiesen. Verbriefte und nicht </span></div><div class=\"ps21590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbriefte Verm\u00f6genswerte sind nachrangig, wenn die Forderungen im Fall der Liquidation oder des Konkurses erst nach den </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen der anderen, nicht nachrangigen Gl\u00e4ubiger befriedigt werden k\u00f6nnen. Erg\u00e4nzungskapital ist gem\u00e4\u00df Art. 63 der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verordnung (EU) Nr 575/2013 (CRR) definiert. Entsprechende Instrumente weisen eine Ursprungslaufzeit von mindestens f\u00fcnf </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahren auf, sind nachrangiger Natur und d\u00fcrfen, unter anderem, keinen Anreiz zur vorzeitigen Tilgung enthalten, den </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inhaber:innen kein Anrecht auf eine Beschleunigung der R\u00fcckzahlung einr\u00e4umen oder Zins- bzw. Dividendenzahlungen <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inkludieren, die in ihrer H\u00f6he von der Bonit\u00e4t des Emittenten beeinflusst werden.</span></div><div class=\"ps5603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Fremdkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn beide der </span></div><div class=\"ps5604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden Bedingungen erf\u00fcllt sind:<span class=\"f ps24\"> </span></span></div><div class=\"ps15710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert wird im Rahmen eines Gesch\u00e4ftsmodells gehalten, dessen Zielsetzung darin besteht, sowohl </span></div><div class=\"ps15712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vertragliche Cash-Flows zu vereinnahmen als auch finanzielle Verm\u00f6genswerte zu ver\u00e4u\u00dfern.</span></div><div class=\"ps21867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die vertraglichen Ausstattungsmerkmale des Verm\u00f6genswerts f\u00fchren an festgelegten Zeitpunkten zu Cash-Flows, <span class=\"f ps24\"> </span></span></div><div class=\"ps21868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen.</span></div><div class=\"ps21869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Kategorie werden vor allem Wertpapiere der Liquidit\u00e4tssteuerung zugeordnet.</span></div><div class=\"ps21870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bewertung erfolgt zum beizulegenden Zeitwert. Zinsertr\u00e4ge, Fremdw\u00e4hrungsgewinne und -verluste aus der Neubewertung </span></div><div class=\"ps21871 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie Wertminderungsaufwendungen oder Wertaufholungen werden in der Erfolgsrechnung erfasst und so berechnet wie bei </span></div><div class=\"ps21872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu fortgef\u00fchrten Anschaffungskosten bewerteten finanziellen Verm\u00f6genswerten. Die verbleibenden Fair-Value-\u00c4nderungen </span></div><div class=\"ps21873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im sonstigen Ergebnis erfasst. Bei Ausbuchung werden die im sonstigen Ergebnis erfassten kumulierten Nettogewinne </span></div><div class=\"ps21874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder -verluste aus den Fair-Value-\u00c4nderungen in die Erfolgsrechnung umgegliedert. Erl\u00e4uterungen zum angewandten </span></div><div class=\"ps21875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungsmodell finden sich im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9).</span></div><div class=\"ps21876 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Eigenkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn sich die RBI bei </span></div><div class=\"ps21877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ersterfassung unwiderruflich daf\u00fcr entscheidet, nachfolgende \u00c4nderungen des Fair Values im sonstigen Ergebnis (OCI) <span class=\"f ps24\"> </span></span></div><div class=\"ps21878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darzustellen. Diese Entscheidung wird f\u00fcr jede Anlage einzeln getroffen und betrifft im Wesentlichen strategische </span></div><div class=\"ps21879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen, die nicht vollkonsolidiert werden, sowie assoziierte Unternehmen, die nicht at-equity bewertet werden. Anders </span></div><div class=\"ps21880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als bei Schuldinstrumenten werden die im sonstigen Ergebnis (OCI) erfassten Gewinne und Verluste beim Verkauf nicht in die </span></div><div class=\"ps21881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung umgegliedert, und auch Wertminderungen werden nicht erfolgswirksam erfasst.</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein finanzieller Verm\u00f6genswert wird in der RBI verpflichtend zum Fair Value ausgewiesen, wenn der finanzielle Verm\u00f6genswert </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weder zu fortgef\u00fchrten Anschaffungskosten noch zum Fair Value Through Other Comprehensive Income bewertet wird, zudem </span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Handelsabsicht besteht und der Verm\u00f6genswert nicht freiwillig zum Fair Value designiert wurde. Im Wesentlichen handelt </span></div><div class=\"ps21810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sich hierbei um Wertpapiere und Kredite, die die \u00dcberpr\u00fcfung der vertraglichen Zahlungsstrombedingungen nicht erf\u00fcllen, </span></div><div class=\"ps21811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. Portfolios von finanziellen Verm\u00f6genswerten, die nicht Handelszwecken dienen, die anhand des Fair Values gesteuert und </span></div><div class=\"ps21812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach dessen Wertentwicklung beurteilt werden.</span></div><div class=\"ps22089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Kategorie umfasst im Wesentlichen jene finanziellen Verm\u00f6genswerte, die zum Zeitpunkt des erstmaligen Bilanzansatzes </span></div><div class=\"ps22090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflich als designiertes Finanzinstrument zum Fair Value gewidmet wurden (sog. Fair-Value-Option). Die Anwendung der </span></div><div class=\"ps22091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Option ist an die Voraussetzung gekn\u00fcpft, dass Inkongruenzen bei der Bewertung oder beim Ansatz beseitigt oder </span></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant verringert werden. Diese entstehen, wenn die Bewertung von finanziellen Verm\u00f6genswerten oder Verbindlichkeiten <span class=\"f ps24\"> </span></span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder die Erfassung von daraus resultierenden Gewinnen oder Verlusten auf unterschiedlicher Grundlage erfolgt. <span class=\"f ps24\"> </span></span></div><div class=\"ps22094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso werden finanzielle Verbindlichkeiten als Finanzinstrumente zum Fair Value designiert, um Bewertungsabweichungen </span></div><div class=\"ps22095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von den mit ihnen im Zusammenhang stehenden Derivaten zu vermeiden. Der Fair Value der unter Anwendung der Fair-Value-</span></div><div class=\"ps22096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Option in diese Kategorie klassifizierten finanziellen Verpflichtungen enth\u00e4lt s\u00e4mtliche Marktrisikofaktoren einschlie\u00dflich des </span></div><div class=\"ps22097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit diesen finanziellen Verpflichtungen in Verbindung stehenden Kreditrisikos des Emittenten. </span></div><div class=\"ps22098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den finanziellen Verpflichtungen geh\u00f6ren im Wesentlichen strukturierte Anleihen. Der Fair Value dieser finanziellen </span></div><div class=\"ps22099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen wird durch die Abzinsung der vertraglichen Cash-Flows mithilfe einer kreditrisikoadjustierten Zinsstrukturkurve </span></div><div class=\"ps22100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt, die das Niveau widerspiegelt, auf dem der Konzern \u00e4hnliche Finanzinstrumente zum Bilanzstichtag begeben w\u00fcrde. </span></div><div class=\"ps22101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Marktrisikoparameter werden anhand vergleichbarer Finanzinstrumente ermittelt. Bewertungsergebnisse f\u00fcr </span></div><div class=\"ps22102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die als Finanzinstrument zum Fair Value designiert wurden, werden im Handelsergebnis und Ergebnis aus </span></div><div class=\"ps22103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Bewertungen ausgewiesen. </span></div><div class=\"ps22104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse im Handelsergebnis und Ergebnis </span></div><div class=\"ps22105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen ausgewiesen. Bei finanziellen Verbindlichkeiten, die erfolgswirksam zum beizulegenden Zeitwert </span></div><div class=\"ps22106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designiert werden, sind \u00c4nderungen des Fair Values, die auf eine \u00c4nderung des eigenen Kreditrisikos zur\u00fcckzuf\u00fchren sind, nicht </span></div><div class=\"ps22107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Erfolgsrechnung, sondern im sonstigen Ergebnis ausgewiesen.</span></div><div class=\"ps22121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verm\u00f6genswerte und finanzielle Verbindlichkeiten \u2013 Held For Trading dienen der Nutzung von kurzfristigen </span></div><div class=\"ps22122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktpreisschwankungen. Die zu Handelszwecken dienenden Wertpapiere und derivativen Finanzinstrumente werden zum Fair </span></div><div class=\"ps22123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value bilanziert. F\u00fcr die Ermittlung des Fair Values werden bei b\u00f6rsennotierten Produkten die B\u00f6rsenkurse herangezogen. Sind <span class=\"f ps24\"> </span></span></div><div class=\"ps22124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Kurse nicht vorhanden, werden bei origin\u00e4ren Finanzinstrumenten und Termingesch\u00e4ften auf Basis von </span></div><div class=\"ps22125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnungen und bei Optionen anhand von geeigneten Optionspreismodellen interne Preise ermittelt. Der </span></div><div class=\"ps22126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnung wird eine Zinskurve zugrunde gelegt, die sich aus Geldmarkt-, Future- und Swaps\u00e4tzen zusammensetzt. </span></div><div class=\"ps22127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn positive Marktwerte bestehen, werden die Gesch\u00e4fte den finanziellen Verm\u00f6genswerten \u2013 Held For Trading zugeordnet, <span class=\"f ps24\"> </span></span></div><div class=\"ps22128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei negativen Marktwerten erfolgt ein Ausweis unter den finanziellen Verbindlichkeiten \u2013 Held For Trading. Die Wert\u00e4nderung </span></div><div class=\"ps22129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Marktwerts wird erfolgswirksam im Handelsergebnis dargestellt. Derivate, die Sicherungszwecken gem\u00e4\u00df IAS 39 dienen, </span></div><div class=\"ps22130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter dem Bilanzposten Hedge Accounting ausgewiesen. Au\u00dferdem sind etwaige Lieferverbindlichkeiten aus </span></div><div class=\"ps22131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapier-Leerverk\u00e4ufen in den finanziellen Verbindlichkeiten \u2013 Held For Trading dargestellt.</span></div><div class=\"ps22132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalgarantierte Produkte (Garantiefonds und Zukunftsvorsorge) werden als verkaufte Put-Optionen auf den jeweils zu </span></div><div class=\"ps22133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">garantierenden Fonds dargestellt. Der Konzern hat im Rahmen der staatlich gef\u00f6rderten pr\u00e4mienbeg\u00fcnstigten </span></div><div class=\"ps22134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zukunftsvorsorge gem. \u00a7 108h Abs 1 Z 3 EStG Kapitalgarantieverpflichtungen abgegeben. Dabei garantiert das Kreditinstitut, </span></div><div class=\"ps22135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass im Fall einer Verrentung der f\u00fcr die Verrentung zur Verf\u00fcgung stehende Auszahlungsbetrag nicht geringer ist als die </span></div><div class=\"ps22136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Summe der vom Steuerpflichtigen eingezahlten Betr\u00e4ge zuz\u00fcglich der f\u00fcr diesen Steuerpflichtigen gutgeschriebenen Pr\u00e4mien </span></div><div class=\"ps22137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Sinn des \u00a7 108g EStG. </span></div><div class=\"ps22138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse werden im Handelsergebnis und </span></div><div class=\"ps22139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen ausgewiesen.</span></div><div class=\"ps22154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit wickelt die RBI Transaktionen mit derivativen Finanzinstrumenten sowohl zu </span></div><div class=\"ps22155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handels- als auch zu Sicherungszwecken ab. Zu den in der RBI eingesetzten Derivaten z\u00e4hlen Swaps, standardisierte </span></div><div class=\"ps22156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Terminkontrakte, Termingesch\u00e4fte, Kreditderivate, Optionen und \u00e4hnliche Kontrakte. RBI setzt Derivate ein, um den </span></div><div class=\"ps22157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bed\u00fcrfnissen der Kund:innen im Rahmen von deren Risikomanagement Rechnung zu tragen, um Risiken zu steuern und </span></div><div class=\"ps22158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzusichern sowie um Ertr\u00e4ge im Eigenhandel zu generieren. Derivate werden zum Zeitpunkt des Vertragsabschlusses zum </span></div><div class=\"ps22159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert angesetzt und anschlie\u00dfend auch zu diesem bewertet. Der aus der Bewertung resultierende Gewinn </span></div><div class=\"ps22160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder Verlust wird im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen erfasst, es sei denn, das Derivat ist als </span></div><div class=\"ps22161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsinstrument im Rahmen des Hedge Accounting designiert und effektiv. Hier h\u00e4ngt der Zeitpunkt der Erfassung der </span></div><div class=\"ps22162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse von der Art der Sicherungsbeziehung ab. </span></div><div class=\"ps22163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung gegen Marktrisiken (ausgenommen Handelsaktiva/-passiva) abgeschlossen und gegen ein </span></div><div class=\"ps22164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inhomogenes Portfolio gestellt werden, erf\u00fcllen nicht die Bedingung f\u00fcr IAS 39 Hedge Accounting. Sie werden bilanziert, indem </span></div><div class=\"ps22165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dirty Prices unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 Held <span class=\"f ps24\"> </span></span></div><div class=\"ps22166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">For Trading ausgewiesen werden. Die Wert\u00e4nderung dieser Derivate auf Basis des Clean Prices ist im Handelsergebnis und </span></div><div class=\"ps22167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen dargestellt, die Zinsen werden im Zins\u00fcberschuss gezeigt.</span></div><div class=\"ps22168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditderivate, deren Wert von dem in der Zukunft erwarteten (Nicht-)Eintritt spezifizierter Kreditereignisse abh\u00e4ngt, sind mit </span></div><div class=\"ps22169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Marktwert unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 </span></div><div class=\"ps22170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Held For Trading ausgewiesen. Die Wert\u00e4nderungen werden im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen </span></div><div class=\"ps22171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps22212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(22) Hedge Accounting und Fair-Value Anpassungen aus Portfolio-Fair-<span id=\"i0cffa250e0d743afb78e62fbbb6c551c\"></span></span></div><div class=\"ps22213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value-Hedges</span></div><div class=\"ps22214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS 9 r\u00e4umte in Bezug auf die Bilanzierung von Sicherungsbeziehungen das Wahlrecht ein, weiterhin die Vorschriften des IAS 39 </span></div><div class=\"ps22215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzuwenden, bis das IASB das bestehende Projekt zur Abl\u00f6sung der Portfolio Hedge Accounting - Regelungen in IAS 39 </span></div><div class=\"ps22216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen hat. Die RBI machte Gebrauch von diesem Wahlrecht und wendet daher weiterhin die Vorschriften zur </span></div><div class=\"ps22217 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzierung von Sicherungsbeziehungen gem\u00e4\u00df IAS 39 in der von der EU \u00fcbernommenen Version (\u201cEU-Carve-Out\u201d) an, jedoch </span></div><div class=\"ps22218 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung der \u00c4nderungen in den Anhangangaben nach IFRS 7. </span></div><div class=\"ps22219 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden einzelne Sicherungsinstrumente, im Wesentlichen Derivate, zum Zweck des Risikomanagements gehalten und erf\u00fcllen </span></div><div class=\"ps22220 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Gesch\u00e4fte spezifische Kriterien, werden sie von der RBI ins Hedge Accounting designiert. Dies kann im Rahmen der </span></div><div class=\"ps22221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung des beizulegenden Zeitwerts (Fair Value Hedge), von Zahlungsstr\u00f6men (Cash-Flow Hedge) oder von </span></div><div class=\"ps22222 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoinvestitionen in wirtschaftlich selbst\u00e4ndige Teileinheiten (Net Investment Hedge) geschehen. Zu Beginn der </span></div><div class=\"ps22223 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehung wird der Zusammenhang zwischen Grund- und Sicherungsgesch\u00e4ft einschlie\u00dflich der zugrunde liegenden </span></div><div class=\"ps22224 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Ziele dokumentiert. Weiters wird sowohl bei Eingehen der Sicherungsbeziehung als auch in deren Verlauf </span></div><div class=\"ps22225 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig festgestellt, ob das in der Sicherungsbeziehung designierte Sicherungsinstrument hinsichtlich der Kompensation </span></div><div class=\"ps22226 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der \u00c4nderungen des beizulegenden Zeitwerts bzw. der Cash-Flows des Grundgesch\u00e4fts in hohem Ma\u00df effektiv ist.</span></div><div class=\"ps22236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Hedge Accounting - Zusatzangaben<span id=\"id3825f2f8297444e8a81c8de9b0016df\"></span></span></div><div class=\"ps22237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig vom abzusichernden Risiko werden Absicherungsbeziehungen entweder als Fair Value Hedge oder als Cash-Flow </span></div><div class=\"ps22238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge dargestellt, Ziel ist dabei die Reduktion von Zinsrisiko und Volatilit\u00e4t in der Erfolgsrechnung. Beide Arten k\u00f6nnen auf </span></div><div class=\"ps22239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mikroebene sowie in Portfolios modelliert werden. Die Absicherung des Nettoinvestitionsrisikos wird insbesondere auf </span></div><div class=\"ps22240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kursschwankungen des rum\u00e4nischen Leus, der tschechischen Krone, des ungarischen Forints und des serbischen Dinars </span></div><div class=\"ps22241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewandt. </span></div><div class=\"ps22242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen von Fair Value Hedges und Cash-Flow Hedges werden unterschiedliche Finanzinstrumente als gesicherte </span></div><div class=\"ps22243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundgesch\u00e4fte in Sicherungsbeziehungen designiert. Den gr\u00f6\u00dften Anteil haben in diesem Zusammenhang Kredite und </span></div><div class=\"ps22244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen auf der Aktivseite sowie Einlagen auf der Passivseite. Schuldverschreibungen und verbriefte Verbindlichkeiten sind </span></div><div class=\"ps22245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Positionen, die in Hedge-Accounting-Beziehungen einflie\u00dfen. Als Sicherungsinstrumente dienen haupts\u00e4chlich Zinssatz- </span></div><div class=\"ps22246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Wechselkursvertr\u00e4ge.</span></div><div class=\"ps22250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiterf\u00fchrende Erl\u00e4uterungen zur Risikomanagementstrategie der RBI finden sich im Risikobericht </span><span class=\"f charStyle-9eccfdcb ps22247\">unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22248\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps22249\">. </span></div><div class=\"ps22252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auswirkungen von Sicherungsgesch\u00e4ften auf die Gesamtergebnisrechnung sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22251\">(5) Handelsergebnis, Ergebnis </span></div><div class=\"ps22254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen und Ergebnis aus Hedge Accounting</span><span class=\"f charStyle-9eccfdcb ps22253\">, jene auf die Eigenkapitalver\u00e4nderung sind in der Entwicklung </span></div><div class=\"ps22257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kumulierten sonstigen Ergebnis des Konzern-Eigenkapitals unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22255\">(29) Eigenkapital und nicht beherrschende Anteile</span><span class=\"f charStyle-9eccfdcb ps22256\"> </span></div><div class=\"ps22258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enthalten. </span></div><div class=\"ps23937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet IAS 32 an, um zu entscheiden, ob eine Klassifizierung als finanzielle Verbindlichkeit oder als Eigenkapital </span></div><div class=\"ps23938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzunehmen ist. Ausgegebene Finanzinstrumente werden als Verbindlichkeiten klassifiziert, wenn die vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps23939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarung dazu f\u00fchrt, dass die RBI verpflichtet ist, entweder fl\u00fcssige Mittel oder andere finanzielle Verm\u00f6genswerte oder </span></div><div class=\"ps23940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine variable Anzahl von Eigenkapitalanteilen an den Inhaber des Instruments zu liefern. Ist dies nicht der Fall, wird das </span></div><div class=\"ps23941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instrument als Eigenkapitalinstrument eingestuft, und die Erl\u00f6se abz\u00fcglich der Transaktionskosten werden im Eigenkapital </span></div><div class=\"ps23942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps19821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gem\u00e4\u00df IFRS 9 handelt es sich bei einer Finanzgarantie um einen Vertrag, der Garantiegeber:innen zur Leistung bestimmter </span></div><div class=\"ps19822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen verpflichtet, wenn diese Zahlung den Garantienehmer:innen f\u00fcr einen Verlust entsch\u00e4digt, der ihm durch die nicht </span></div><div class=\"ps19823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fristgem\u00e4\u00dfe Erf\u00fcllung von Zahlungsverpflichtungen eines Schuldners gem\u00e4\u00df den geltenden Bedingungen eines Schuld-</span></div><div class=\"ps19824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">instruments entsteht. Die Bewertung einer Finanzgarantie, die erstmals zum Erfassungszeitpunkt vorgenommen wird, ist bei </span></div><div class=\"ps19825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragsabschluss unter marktgerechten Bedingungen ident mit der Pr\u00e4mie. Im Gegensatz zu der Darstellung der Wertminde-</span></div><div class=\"ps19826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rungen von finanziellen Verm\u00f6genswerten werden erwartete Kreditausf\u00e4lle als R\u00fcckstellung auf der Passivseite ausgewiesen.</span></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_820\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(31) Erwartete Kreditverluste<span id=\"i0ac5696eeaa542c39c86ba643e364632\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erwarteten Kreditverluste aus einem Finanzinstrument sind so zu bemessen, dass sie einen unverzerrten und </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlichkeitsgewichteten Betrag darstellen, der durch Auswertung einer Reihe verschiedener m\u00f6glicher Ergebnisse </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt wird, dem Zeitwert des Geldes und angemessenen und belastbaren Informationen entsprechen, die zum </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschlussstichtag ohne unangemessenen Kosten- oder Zeitaufwand \u00fcber vergangene Ereignisse, gegenw\u00e4rtige Bedingungen <span class=\"f ps24\"> </span></span></div><div class=\"ps902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Prognosen k\u00fcnftiger wirtschaftlicher Bedingungen verf\u00fcgbar sind. </span></div><div class=\"ps24488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Allgemeine Vorgehensweise<span id=\"i3ca92d1930064779a881dc62512116a8\"></span></span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bemessung der Wertminderungen f\u00fcr erwartete Kreditverluste finanzieller Verm\u00f6genswerte \u2013 Amortized Cost bzw. </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income ist die Anwendung von Modellen und </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognosen \u00fcber k\u00fcnftige wirtschaftliche Bedingungen und \u00fcber zuk\u00fcnftiges Zahlungsverhalten erforderlich. Bei der Berechnung </span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteter Kreditverluste sind Ermessensentscheidungen erforderlich, und zwar unter anderem bei der:</span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Festlegung der Kriterien f\u00fcr eine signifikante Erh\u00f6hung des Kreditrisikos</span></div><div class=\"ps4929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Auswahl geeigneter Modelle und Annahmen f\u00fcr die Berechnung erwarteter Kreditverluste</span></div><div class=\"ps24493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ber\u00fccksichtigung von Risiken, die von den Modellen nicht angemessen abgebildet werden</span></div><div class=\"ps15363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Bestimmung der Anzahl und relativen Gewichtung zukunftsorientierter Szenarien</span></div><div class=\"ps24494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zusammenfassung von Finanzinstrumenten anhand von gemeinsamen Ausfallrisikoeigenschaften in Gruppen mit </span></div><div class=\"ps24495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">dem Zweck der Berechnung erwarteter Kreditverluste.</span></div><div class=\"ps24496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisiko ist das Risiko, finanzielle Verluste zu erleiden, falls Kund:innen oder Kontrahent:innen den vertraglichen </span></div><div class=\"ps24497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen nicht oder nicht rechtzeitig nachkommen. Kreditrisiken ergeben sich haupts\u00e4chlich aus Interbanken-, <span class=\"f ps24\"> </span></span></div><div class=\"ps24498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenkunden- und Verbraucherkrediten sowie aus gew\u00e4hrten Kreditzusagen. Sie k\u00f6nnen ferner aus gegebenen </span></div><div class=\"ps24499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzgarantien, z. B. Kreditb\u00fcrgschaften, Akkreditiven und Akzepten, entstehen.</span></div><div class=\"ps24500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Kreditrisiken ergeben sich aus Veranlagungen in Schuldtiteln und aus Handelsaktivit\u00e4ten (Handelskreditrisiken), sowie </span></div><div class=\"ps24501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Verrechnungssalden mit Gegenparteien und aus Reverse-Repo-Gesch\u00e4ften. </span></div><div class=\"ps24502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle werden herangezogen, um die Eintrittswahrscheinlichkeit von Ausf\u00e4llen (PD), die damit verbundenen Verlustquoten </span></div><div class=\"ps24503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(LGD) und dem ausstehenden Betrag zum Zeitpunkt des Ausfalls (EAD) zu sch\u00e4tzen. Zus\u00e4tzlich zu bestehenden, historisch </span></div><div class=\"ps24504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">belastbar modellierten Risiken entstehen neue Risiken - wie zum Beispiel geopolitische Unsicherheiten, Risiken im </span></div><div class=\"ps24505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit der Energieversorgung sowie Umweltrisiken. Diese Risiken k\u00f6nnen aufgrund unzureichender historischer <span class=\"f ps24\"> </span></span></div><div class=\"ps24506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten nicht durch bestehende statistische Modelle erfasst werden. Um jedoch eine angemessene Risikovorsorge zu </span></div><div class=\"ps24507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten, werden diese Risiken \u00fcber Management Overlays in die ECL-Berechnung einbezogen. Sie lassen sich </span></div><div class=\"ps24508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenderma\u00dfen unterteilen: </span></div><div class=\"ps24509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Overlays: Hierbei handelt es sich um Anpassungen, die au\u00dferhalb des Modells vorgenommen werden, d. h. nach der </span></div><div class=\"ps24510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellanwendung. Post-Model-Adjustments (PMA) fallen in diese Kategorie. </span></div><div class=\"ps24511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">In-Model Adjustments: Hierbei handelt es sich um Anpassungen, die innerhalb des IFRS 9 Modells erfolgen. Dies </span></div><div class=\"ps24512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">umfasst die Anpassung von Modellinputs, Modellparametern oder Ad-hoc-Anpassungen des Modells und der </span></div><div class=\"ps24513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellkalibrierung (wobei die \u00c4nderung von Modellparametern wie LGD und PD durch die Einbeziehung </span></div><div class=\"ps24514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zukunftsgerichteter makro\u00f6konomischer Informationen nicht als Management Overlay gilt). </span></div><div class=\"ps24515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ESG-Faktoren sind in der ECL-Modellierung noch nicht explizit inkludiert. Sie flie\u00dfen jedoch \u00fcber Overlays in die Berechnung ein. </span></div><div class=\"ps24516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Signifikante Erh\u00f6hung des Kreditrisikos<span id=\"i20151d17f4eb4957b50e0c48db2e7c07\"></span></span></div><div class=\"ps24517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI sieht die Erh\u00f6hung des Kreditrisikos eines Finanzinstruments dann als signifikant an, wenn eines oder mehrere der </span></div><div class=\"ps24518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden quantitativen, qualitativen oder Backstop-Kriterien erf\u00fcllt sind: </span></div><div class=\"ps24519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Quantitative Kriterien<span id=\"i9c29486dd8044f918915448813775d9f\"></span></span></div><div class=\"ps24520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den Rating-Systemen der RBI werden die verf\u00fcgbaren quantitativen und qualitativen Informationen mit Relevanz f\u00fcr die </span></div><div class=\"ps24521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognose des Kreditrisikos zur PD verdichtet. Dieser Gr\u00f6\u00dfe liegen insbesondere eine statistisch fundierte Auswahl und </span></div><div class=\"ps24522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtung aller verf\u00fcgbaren Indikatoren zugrunde. Weiterhin flie\u00dfen in der gem\u00e4\u00df den IFRS-9-Anforderungen adjustierten PD </span></div><div class=\"ps24523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">neben historischen Informationen und dem aktuellen wirtschaftlichen Umfeld insbesondere auch zukunftsorientierte </span></div><div class=\"ps24524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen, wie z. B. die Prognose der Entwicklung der makro\u00f6konomischen Rahmenbedingungen, ein. Folgerichtig </span></div><div class=\"ps23766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verwendet die RBI die PD als Messgr\u00f6\u00dfe f\u00fcr die Beurteilung, ob sich das Kreditrisiko eines Finanzinstruments gegen\u00fcber dem </span></div><div class=\"ps24525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt signifikant erh\u00f6ht hat. Durch die Verankerung der \u00dcberpr\u00fcfung des relativen Transferkriteriums in den </span></div><div class=\"ps24526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konzernweit etablierten Verfahren und Prozessen des Kreditrisikomanagements wird eine zuverl\u00e4ssige und zeitnahe <span class=\"f ps24\"> </span></span></div><div class=\"ps24527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Identifikation signifikanter Risikoerh\u00f6hungen sichergestellt. Die \u00dcberpr\u00fcfung, ob am Berichtsstichtag eine signifikante Erh\u00f6hung </span></div><div class=\"ps24528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Ausfallrisikos gegen\u00fcber dem Zugangszeitpunkt des betreffenden Finanzinstruments vorliegt, erfolgt zum Berichtsstichtag </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">grunds\u00e4tzlich durch einen Vergleich der beobachteten Ausfallwahrscheinlichkeit \u00fcber die Restlaufzeit des Finanzinstruments </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Lifetime-PD) mit der im Zugangszeitpunkt erwarteten Lifetime-PD \u00fcber denselben Zeitraum. Aufgrund der unterschiedlichen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Natur der Produkte von Non-Retail- und Retail-Kund:innen unterscheiden sich die Methoden zur Bestimmung einer signifikanten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos geringf\u00fcgig. </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um die zwei Kurven f\u00fcr das Kreditrisiko von Non-Retail-Kund:innen vergleichbar zu machen, werden die PDs zu annualisierten </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">PDs reduziert. Ein relativer Anstieg der PD um mindestens 250 Prozent wird als signifikante Erh\u00f6hung des Kreditrisikos </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interpretiert. Bei l\u00e4ngeren Laufzeiten wird die Schwelle von 250 Prozent reduziert, um den Laufzeiteffekt zu ber\u00fccksichtigen. </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Retail-Forderungen werden die kumulierten Restlaufzeit-PDs verglichen. Dabei wird, bedingt auf das \u00dcberleben bis zum </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stichtag, die Logit-Differenz (i.e. Logit ist in der Statistik der nat\u00fcrliche Logarithmus einer Chance) zwischen der Lifetime-PD </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Stichtag und der Lifetime-PD zum urspr\u00fcnglichen Buchungszeitpunkt verglichen. Hierbei wird im Allgemeinen dann von </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem signifikanten Anstieg des Kreditrisikos ausgegangen, wenn ein relativer Anstieg der kumulierten Restlaufzeit-PD \u00fcber </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Schwellenwert liegt. Die Schwellenwerte werden getrennt f\u00fcr jedes Portfolio, das durch individuelle </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratingbasierte Lifetime-PD-Modelle abgedeckt wird, berechnet. Dabei werden die Schwellenwerte basierend auf historischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten als ein bestimmtes Quantil der Verteilung der oben genannten Logit-Differenzen auf das sich verschlechternde Portfolio <span class=\"f ps24\"> </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(gruppiert nach L\u00e4ndern und Produkten wie Hypothekarkredite, Kreditkarten und SME-Kredite) gesch\u00e4tzt. Das bedeutet in der </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regel eine vom Ausfallverhalten der verschiedenen Portfolios abh\u00e4ngige PD-Erh\u00f6hung zwischen 150 und 250 Prozent.</span></div><div class=\"ps24530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualitative Kriterien<span id=\"id9af93b40f6f4528999e37eb8eed006b\"></span></span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet f\u00fcr alle wesentlichen Portfolios zus\u00e4tzlich zu quantitativen Kriterien auch qualitative, um eine signifikante </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos eines Finanzinstruments festzustellen. </span></div><div class=\"ps3372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, Kreditinstitute und Projektfinanzierung findet ein Transfer in </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 2 statt, wenn den Kreditnehmer eines oder mehrere der folgenden Kriterien betreffen: </span></div><div class=\"ps24531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erkennung einer Verschlechterung der Kreditw\u00fcrdigkeit im Early-Warning-System</span></div><div class=\"ps24532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen von Vertragsbedingungen im Rahmen einer Forbearance-Ma\u00dfnahme</span></div><div class=\"ps24534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Externe Risikofaktoren mit einem potenziell signifikanten Einfluss auf die R\u00fcckzahlungsf\u00e4higkeit der </span><span class=\"f charStyle-9eccfdcb ps24533\">Kund:innen</span></div><div class=\"ps24535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, </span></div><div class=\"ps24537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitute und Projektfinanzierung durchgef\u00fchrt. </span></div><div class=\"ps24538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Retail-Portfolios wird ein Stage-2-Transfer auf Basis folgender qualitativer Kriterien durchgef\u00fchrt, das hei\u00dft, wenn der </span></div><div class=\"ps24539 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmer eines oder mehrere der folgenden Kriterien erf\u00fcllt: </span></div><div class=\"ps24540 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Forbearance Flag aktiv</span></div><div class=\"ps24541 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ausfall eines materiellen Exposures (&gt;20 Prozent vom Gesamtexposure) derselben Kund:innen auf einem anderen </span></div><div class=\"ps24542 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Produkt (PI Segment)</span></div><div class=\"ps24543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Holistic Approach \u2013 anwendbar f\u00fcr F\u00e4lle, in denen neue zukunftsorientierte Informationen f\u00fcr ein Segment oder einen </span></div><div class=\"ps24544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Teil des Portfolios verf\u00fcgbar werden und diese Informationen noch nicht im Ratingsystem erfasst sind. Bei </span></div><div class=\"ps24545 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Identifikation solcher F\u00e4lle bewertet das Management dieses Portfolio mit den \u00fcber die gesamte Laufzeit </span></div><div class=\"ps24546 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">erwarteten Kreditverlusten (als kollektive Bewertung).</span></div><div class=\"ps24547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Retail-Kundenportfolios durchgef\u00fchrt. </span></div><div class=\"ps24549 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Backstop Kriterien<span id=\"ieab3601c46a840f78ffd363ad323dbf9\"></span></span></div><div class=\"ps4911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Backstop wird angewendet und eine signifikante Erh\u00f6hung des Kreditrisikos eines Finanzinstruments angenommen, wenn </span></div><div class=\"ps4912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Zahlungen mehr als 30 Tage \u00fcberf\u00e4llig sind. In Ausnahmef\u00e4llen besteht die M\u00f6glichkeit die 30-Tage Regelung zu </span></div><div class=\"ps4913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">widerlegen, jedoch wird diese Ausnahme in der RBI nicht angewendet.</span></div><div class=\"ps24550 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausnahme f\u00fcr niedrige Ausfallrisiken<span id=\"i2046a82267a54d92b2626962b56209cd\"></span></span></div><div class=\"ps24551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In ausgew\u00e4hlten F\u00e4llen f\u00fcr staatliche Schuldverschreibungen macht die RBI von der Ausnahmeregelung f\u00fcr Finanzinstrumente </span></div><div class=\"ps24552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit geringem Kreditrisiko Gebrauch. All jene Wertpapiere, die als geringes Kreditrisiko eingestuft werden, haben ein Rating, das </span></div><div class=\"ps24553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mindestens einem Investment-Grade-Rating entspricht, d. h. mindestens Standard &amp; Poor's BBB-, Moody's Baa3 oder Fitch BBB-. </span></div><div class=\"ps24554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Kreditgesch\u00e4ft ist diese Ausnahmeregelung nicht anwendbar.</span></div><div class=\"ps24555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Definition der Begriffe Ausfall und wertgeminderte Verm\u00f6genswerte<span id=\"ic3b68ba2e1dd40379558ee16897782a0\"></span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Berechnung der erwarteten Kreditverluste gem\u00e4\u00df IFRS 9 verwendet die RBI dieselbe Ausfallsdefinition wie f\u00fcr die CRR-</span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenmittelrechnung. Das hei\u00dft eine ausgefallene Forderung ist auch in Stage 3. Der Ausfall wird anhand quantitativer und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">qualitativer Kriterien beurteilt. Als ausgefallen gilt ein Kredit, erstens wenn vertragliche Zahlungen mehr als 90 Tage \u00fcberf\u00e4llig </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Zweitens gilt ein Kredit als ausgefallen, wenn es zu erheblichen finanziellen Schwierigkeiten kommt und es <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwahrscheinlich ist, dass den Zahlungsverpflichtungen nachgekommen wird. Die Definition eines Ausfalls wurde in den </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnungen der erwarteten Kreditverluste der RBI zur Abbildung der Ausfallwahrscheinlichkeit (PD), des ausstehenden </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrags zum Zeitpunkt des Ausfalls (EAD) sowie der Verlustquote bei Ausfall (LGD) einheitlich angewendet. </span></div><div class=\"ps16059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erl\u00e4uterung der Input-Daten, Annahmen und Sch\u00e4tztechniken<span id=\"i7cd82382d6984fa192eea97210231401\"></span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust wird entweder auf der Basis einer Zw\u00f6lf-Monats-Betrachtung oder einer Betrachtung der \u00fcber die </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Restlaufzeit erwarteten Kreditverluste berechnet \u2013 je nachdem, ob seit dem erstmaligen Ansatz eine signifikante Erh\u00f6hung des <span class=\"f ps24\"> </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisikos eingetreten ist, oder ob ein Verm\u00f6genswert als wertgemindert angesehen wird. Zukunftsorientierte <span class=\"f ps24\"> </span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wirtschaftliche Informationen werden ebenfalls in die Bestimmung der PD, EAD und LGD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jener f\u00fcr die Gesamtlaufzeit einbezogen. Diese Annahmen unterscheiden sich je nach Produktart. Die erwarteten Kreditverluste </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind das diskontierte Produkt aus der Ausfallwahrscheinlichkeit (PD), der Verlustquote bei Ausfall (LGD), dem ausstehenden </span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag zum Zeitpunkt des Ausfalls (EAD) und dem Diskontierungsfaktor (Discount Factor, D). </span></div><div class=\"ps24556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausfallwahrscheinlichkeit (PD)<span id=\"i465ca4ed013b4867af80a8b6d695a750\"></span></span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit, mit der ein Kreditnehmer entweder innerhalb der n\u00e4chsten zw\u00f6lf </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monate oder in der gesamten Restlaufzeit seinen Zahlungsverpflichtungen nicht nachkommen kann. Im Allgemeinen wird die </span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeit \u00fcber die Laufzeit ausgehend von der regulatorischen Zw\u00f6lf-Monats-Ausfallwahrscheinlichkeit </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechnet, bereinigt um jegliche konservativen Anpassungen. Danach werden verschiedene statistische Methoden zur </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einsch\u00e4tzung der Entwicklung des Ausfallprofils vom Zeitpunkt des erstmaligen Ansatzes \u00fcber die Gesamtlaufzeit des Kredits </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder des Kreditportfolios angewendet. Das Ausfallsprofil beruht auf historischen beobachteten Daten.</span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung des Ausfallprofils ausstehender Kreditbetr\u00e4ge wurden verschiedene Modelle verwendet, die sich in die folgenden </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kategorien zusammenfassen lassen:</span></div><div class=\"ps24559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-525aaa30 ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen und Finanzinstitute: Das Ausfallprofil wird unter Verwendung eines </span></div><div class=\"ps24560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">parametrischen \u00dcberlebensregressionsansatzes (Burr-Typ 12 und Weibull) erstellt. Zukunftsorientierte Informationen </span></div><div class=\"ps24561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen. Die Kalibrierung der </span></div><div class=\"ps24562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallwahrscheinlichkeiten wird bereinigt f\u00fcr k\u00fcrzere Laufzeiten und fr\u00fchzeitige R\u00fcckzahlungen.</span></div><div class=\"ps24563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Das Ausfallprofil wird mithilfe einer parametrischen </span></div><div class=\"ps24564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">\u00dcberlebensregression in einem konkurrierenden Risikorahmen erstellt. Zukunftsorientierte Informationen werden </span></div><div class=\"ps24565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">unter Verwendung von Satellitenmodellen in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor, Kommunal- und Regionalregierungen, Versicherungen und Organismen f\u00fcr gemeinsame Anlagen </span></div><div class=\"ps24567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">in Wertpapieren (OGAW): Das Ausfallprofil wird mithilfe eines \u00dcbergangsmatrix-Ansatzes erstellt. Zukunftsorientierte </span></div><div class=\"ps24568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Informationen werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig verf\u00fcgbar sind, werden f\u00fcr die Berechnung die Techniken </span></div><div class=\"ps24570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Gruppierung, der Mittelung und des Benchmarkings der Input-Daten verwendet. </span></div><div class=\"ps24571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verlustquote bei Ausfall (LGD)<span id=\"i1e99888e28764a37b8b187e442df7dc8\"></span></span></div><div class=\"ps24572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verlustquote bei Ausfall entspricht der Erwartung der RBI bez\u00fcglich der Verlusth\u00f6he bei einem Forderungsausfall. Sie </span></div><div class=\"ps24573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden bei Ausfall als prozentualer Verlust pro Einheit des ausstehenden Betrags zum Zeitpunkt des Ausfalls ausgedr\u00fcckt. </span></div><div class=\"ps24574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verschiedene Modelle werden zur Sch\u00e4tzung der Verlustquote ausstehender Kreditforderungen verwendet. Sie lassen sich in </span></div><div class=\"ps24575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Kategorien zusammenfassen:</span></div><div class=\"ps24576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, Finanzinstitute, Kommunal- und Regionalregierungen, Versicherungen: Die </span></div><div class=\"ps24577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verlustquote bei Ausfall wird durch die Diskontierung von Cash-Flows berechnet, die w\u00e4hrend des Workout-</span></div><div class=\"ps24578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Prozesses eingetrieben werden. Zukunftsorientierte Informationen werden unter Verwendung eines Ein-Faktor-</span></div><div class=\"ps24579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modells in die Verlustquote bei Ausfall einbezogen. W\u00e4hrend Immobiliensicherheiten direkt bei der Reduktion des </span></div><div class=\"ps24580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ausstehenden Forderungswerts ber\u00fccksichtigt werden, haben andere Sicherheiten bereits bei der Modellierung im </span></div><div class=\"ps24581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">statistischen Mittelwert des LGD einen reduzierenden Effekt.</span></div><div class=\"ps24582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Die Verlustquote bei Ausfall wird berechnet, indem die regulatorische </span></div><div class=\"ps24583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote um Anpassungen f\u00fcr einen Konjunkturabschwung und andere konservative Abschl\u00e4ge bereinigt wird. </span></div><div class=\"ps24584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Zukunftsorientierte Informationen werden unter Verwendung von verschiedenen Satellitenmodellen in die </span></div><div class=\"ps24585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote einbezogen.</span></div><div class=\"ps24586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor: Die Ausfallquote wird mithilfe marktimpliziter Quellen ermittelt.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Je nach Art des Kreditunternehmens (Bank/Leasing) kommen unterschiedliche LGD-Sch\u00e4tzungen zum Einsatz. </span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur Verf\u00fcgung stehen, werden alternative Recovery-</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle, das Benchmarking von Input-Daten sowie die Fachmeinung von Experten f\u00fcr die Berechnung herangezogen.</span></div><div class=\"ps24588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausstehender Betrag zum Zeitpunkt des Ausfalls (EAD)<span id=\"ib6d46c78acf447c9bbcf66c9abe28027\"></span></span></div><div class=\"ps24589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der ausstehende Betrag zum Zeitpunkt des Ausfalls entspricht jenem Betrag, den die RBI zum Zeitpunkt des Ausfalls als </span></div><div class=\"ps24590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehend erwartet. Das EAD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und die Gesamtlaufzeit werden auf Grundlage des erwarteten </span></div><div class=\"ps13919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsprofils ermittelt, das sich je nach Vertrag unterscheidet. F\u00fcr amortisierende Produkte und f\u00fcr endf\u00e4llige Kredite beruht </span></div><div class=\"ps13920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses auf den vertraglichen R\u00fcckzahlungen, die der Kreditnehmer \u00fcber einen Zeitraum von zw\u00f6lf Monaten oder \u00fcber die </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtlaufzeit schuldet. Sofern nicht schon im Rahmen der PD-Sch\u00e4tzung \u00fcber die Kreditlaufzeit ber\u00fccksichtigt, werden </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen bez\u00fcglich vorzeitiger (vollst\u00e4ndiger) R\u00fcckzahlung oder Refinanzierung ebenfalls bei der Berechnung ber\u00fccksichtigt.</span></div><div class=\"ps24591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr revolvierende Produkte wird der ausstehende Betrag zum Zeitpunkt des Ausfalls so bestimmt, dass zum momentan </span></div><div class=\"ps24592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezogenen Betrag die erwartete Inanspruchnahme des verbleibenden Limits addiert wird. Dieser zus\u00e4tzliche Betrag ist das </span></div><div class=\"ps24593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Produkt aus dem verbleibenden Limit und dem Kreditkonversionsfaktor. Der Kreditkonversionsfaktor wird um die </span></div><div class=\"ps24594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorischen Sicherheitsmargen bereinigt. In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur </span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgung stehen, wird ein Benchmarking der Input-Daten f\u00fcr die Berechnung verwendet.</span></div><div class=\"ps24596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Diskontierungsfaktor (D)<span id=\"i78e949bab2ac459fa1f524fb8c26f3bf\"></span></span></div><div class=\"ps24597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr finanzielle Verm\u00f6genswerte und au\u00dferbilanzielle Verm\u00f6genswerte, bei denen es sich nicht um Leasing oder POCI handelt, </span></div><div class=\"ps24598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist der bei der Berechnung des erwarteten Kreditverlusts verwendete Diskontierungsfaktor aus dem Effektivzinssatz abgeleitet </span></div><div class=\"ps24599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder ein N\u00e4herungswert davon.</span></div><div class=\"ps24600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Berechnung<span id=\"i96b390bf8a8f46b3bced9e86e26c7818\"></span></span></div><div class=\"ps21076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust f\u00fcr Stage 1 und 2 ist das Produkt aus PD, LGD und EAD, multipliziert mit der Wahrscheinlichkeit, nicht </span></div><div class=\"ps21077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor dem betreffenden Zeitraum auszufallen. Letzteres wird durch die \u00dcberlebensfunktion S ausgedr\u00fcckt. Die dadurch </span></div><div class=\"ps21080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechneten zuk\u00fcnftigen Werte erwarteter Kreditverluste werden sodann auf den Berichtszeitpunkt diskontiert und summiert. </span></div><div class=\"ps21081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ergebnisse daraus werden schlie\u00dflich je nach zukunftsorientiertem Szenario gewichtet.</span></div><div class=\"ps24601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung der Wertminderungen f\u00fcr Stage 3 werden verschiedene Modelle verwendet, die sich in die folgenden Kategorien </span></div><div class=\"ps21083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammenfassen lassen:</span></div><div class=\"ps24602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, \u00f6ffentlicher Sektor, Finanzinstitute, Kommunal- und Regionalregierungen, </span></div><div class=\"ps24603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungen und Organismen f\u00fcr gemeinsame Anlagen in Wertpapieren: Die Wertminderung der Stage 3 wird von </span></div><div class=\"ps24604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Workout-Managern berechnet, die die erwarteten Cash-Flows mit dem geeigneten Effektivzinssatz diskontieren.</span></div><div class=\"ps24605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr Retail-Forderungen werden Wertminderungen der Stage 3 bei der Mehrheit der Konzerneinheiten durch die </span></div><div class=\"ps24606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Berechnung der statistisch abgeleiteten besten Sch\u00e4tzung des erwarteten Verlusts, bereinigt um indirekte Kosten, </span></div><div class=\"ps24607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ermittelt.</span></div><div class=\"ps24608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Gemeinsame Ausfallrisikoeigenschaften in Gruppen<span id=\"i367ddd3d5ec54550ab106c01c99166fd\"></span></span></div><div class=\"ps24609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Retail-Wertminderungen der Stage 1, Stage 2 und Stage 3 werden kollektiv bewertet. F\u00fcr die Non-Retail-Gesch\u00e4fte der </span></div><div class=\"ps24610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 3 werden die Wertminderungen einzeln bewertet. F\u00fcr die Bemessung der erwarteten Kreditverluste auf kollektiver Basis </span></div><div class=\"ps24611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird eine Gruppierung von Risikopositionen auf Grundlage gemeinsamer Kreditrisikomerkmale (im Sinn von </span></div><div class=\"ps24612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallrisikoeigenschaften) durchgef\u00fchrt, sodass die Risikopositionen innerhalb jeder Gruppe \u00e4hnlich sind. </span></div><div class=\"ps20385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Charakteristika von Retail-Krediten sind auf Ebene der L\u00e4nder, der Kundenklassifizierungen (Haushalte und Klein- und </span></div><div class=\"ps20386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mittelbetriebe), der Produkte (z. B. Hypotheken, pers\u00f6nliche Darlehen, Kontokorrentkredite oder Kreditkarten), der Rating-Stufen </span></div><div class=\"ps20387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die Ausfallwahrscheinlichkeit und der LGD-Pools zusammengefasst. Jede Kombination der aufgez\u00e4hlten Charakteristika </span></div><div class=\"ps24613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird als Gruppe mit einheitlichem erwartetem Verlustprofil betrachtet. </span></div><div class=\"ps24614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Non-Retail-Gesch\u00e4fte werden nach Rating-Stufen und Kundensegmenten einer Ausfallwahrscheinlichkeit zugeordnet. Dabei </span></div><div class=\"ps24615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden Kundentypen zu einzelnen Ratingmodellen zusammengefasst. F\u00fcr die Ermittlung der LGD- und EAD-Parameter wird das </span></div><div class=\"ps24616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio nach L\u00e4ndern gruppiert. </span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zukunftsorientierte Informationen<span id=\"i54759fc0145e4429af45db728217425d\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grunds\u00e4tzlich werden bei der IFRS-9-spezifischen Sch\u00e4tzung der Risikoparameter neben historischen Ausfallinformationen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere auch das aktuelle wirtschaftliche Umfeld sowie zukunftsorientierte Informationen ber\u00fccksichtigt. Insbesondere </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden dabei makro\u00f6konomische Prognosen der RBI regelm\u00e4\u00dfig im Hinblick auf ihre Auswirkungen auf die H\u00f6he des ECL </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gepr\u00fcft und in die ECL-Ermittlung einbezogen. </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der signifikanten Erh\u00f6hung des Kreditrisikos und die Berechnung der erwarteten Kreditverluste beziehen beide </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch zukunftsorientierte Informationen mit ein. Die RBI hat historische Analysen durchgef\u00fchrt und makro\u00f6konomische </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schl\u00fcsselfaktoren identifiziert, die sich auf das Kreditrisiko und die erwarteten Kreditverluste auswirken. </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese \u00f6konomischen Variablen und ihre Auswirkungen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterscheiden sich je nach Kategorie. Prognosen f\u00fcr diese \u00f6konomischen Variablen (das \u00f6konomische Basis-Szenario) werden </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">quartalsweise von Raiffeisen Research zur Verf\u00fcgung gestellt und vermitteln ein Best-Estimate-Bild der Volkswirtschaft in den </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">n\u00e4chsten drei Jahren. Jenseits von drei Jahren wird keine makro\u00f6konomische Anpassung durchgef\u00fchrt. Das hei\u00dft f\u00fcr den </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum \u00fcber diese drei Jahre hinaus wurde zur Prognose der \u00f6konomischen Variablen f\u00fcr die gesamte Restlaufzeit jedes </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instruments ein Mittelwertr\u00fcckkehr-Ansatz (Mean Reversion) verwendet. Demnach tendieren \u00f6konomische Variablen bis zur </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00e4lligkeit entweder zu einem langfristigen Durchschnittswert oder zu einer langfristigen Durchschnitts-Wachstumsrate. Die </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen dieser \u00f6konomischen Variablen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall wurden mithilfe </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">statistischer Regressionen bestimmt, um daraus die historischen Auswirkungen der \u00c4nderungen dieser Variablen auf die </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallraten und die Komponenten der Verlustquote bei Ausfall zum Zeitpunkt des Ausfalls zu erkennen. </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zum Basis-Szenario sch\u00e4tzt Raiffeisen Research auch ein optimistisches und ein pessimistisches Szenario, um </span></div><div class=\"ps16739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sicherzustellen, dass die Nichtlinearit\u00e4t des ECL in Abh\u00e4ngigkeit der Makro\u00f6konomie erfasst wird. </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die pessimistischen und optimistischen Szenarien wurde die Methodik aufgrund der diversen hohen Unsicherheiten </span></div><div class=\"ps16741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepasst. So wie alle \u00f6konomischen Vorhersagen unterliegen auch die hier beschriebenen Prognosen und </span></div><div class=\"ps16742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eintrittswahrscheinlichkeiten einer hohen inh\u00e4renten Unsicherheit. Die tats\u00e4chlichen Ergebnisse k\u00f6nnen somit erheblich von den </span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten abweichen. RBI sieht diese Prognosen jedoch als die bestm\u00f6gliche Sch\u00e4tzung der k\u00fcnftigen Ergebnisse an, die <span class=\"f ps24\"> </span></span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch allf\u00e4llige Nichtlinearit\u00e4ten und Asymmetrien in den verschiedenen Portfolios des Konzerns abdecken.</span></div><div class=\"ps24620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Nachstehend sind die wichtigsten makro\u00f6konomischen Annahmen der wesentlichsten L\u00e4nder, die f\u00fcr Sch\u00e4tzungen der </span></span></div><div class=\"ps24622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Kreditverluste zum Ende des Jahres verwendet wurden, angegeb</span></span><span class=\"f charStyle-9eccfdcb ps24621\">en. (Quelle: Raiffeisen Research, November 2025, </span></div><div class=\"ps24623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">exklusive Ukraine).</span></div><div class=\"ps24757 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24626\">Arbeitslosigkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">6,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17131\"></span><span class=\"ps17131\">-0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19532\"></span><span class=\"ps19532\">-1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23812\"></span><span class=\"ps23812\">-0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">8,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">9,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17702\"></span><span class=\"ps17702\">-0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps23265\">Langfristiger Anleihenzinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24759\">Immobilienpreise<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17780\"></span><span class=\"ps17780\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24760\"></span><span class=\"ps24760\">0,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18777\"></span><span class=\"ps18777\">11,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">9,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">9,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17766\"></span><span class=\"ps17766\">22,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15649\"></span><span class=\"ps15649\">12,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12560\"></span><span class=\"ps12560\">10,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">13,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">13,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24761\"></span><span class=\"ps24761\">11,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10683\"></span><span class=\"ps10683\">11,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">9,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">9,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24762\"></span><span class=\"ps24762\">12,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">8,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">7,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24765 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps20713\">Verbraucherpreisindex<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22283\"></span><span class=\"ps22283\">12,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23322\"></span><span class=\"ps23322\">13,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">8,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7310\"></span><span class=\"ps7310\">14,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21660\"></span><span class=\"ps21660\">10,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">6,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24764\"></span><span class=\"ps24764\">10,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufgrund des andauernden Krieges wurde f\u00fcr die Ukraine das optimistische Szenario nicht miteinbezogen. Des weiteren basiert </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das pessimistische Szenario nicht auf dem mathematischen Ansatz, der von Raiffeisen Research ver\u00f6ffentlicht wird, sondern </span></span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf einer narrativen Darstellung und wird mit 50 Prozent gewichtet. </span></span><span class=\"f charStyle-9eccfdcb ps24767\">Da f\u00fcr die Ukraine historische Daten nicht repr\u00e4sentativ </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind beziehungsweise aufgrund der aktuellen Umst\u00e4nde teilweise nicht zur Verf\u00fcgung stehen, wurden in die ukrainische ECL-</span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung ein abgeleitetes reales BIP und ein abgeleiteter kurzfristiger Zinssatz als makro\u00f6konomische Inputparameter </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einbezogen.</span></div><div class=\"ps24768 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12387\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19508\"></span><span class=\"ps19508\">13,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17913\"></span><span class=\"ps17913\">-14,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17532\"></span><span class=\"ps17532\">-8,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps458\"></span><span class=\"ps458\">-3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19510\"></span><span class=\"ps19510\">22,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">18,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7260\"></span><span class=\"ps7260\">17,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Modellentwicklung wurde eine Vielzahl makro\u00f6konomischer Variablen analysiert und die wesentlichen wurden f\u00fcr das </span></div><div class=\"ps24770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modell herangezogen. Das verwendete Modell ist ein Regressionsmodell mit dem Ziel, Ver\u00e4nderungen bzw. die H\u00f6he der </span></div><div class=\"ps24771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallquote zu erkl\u00e4ren. Die folgenden Arten von Makrovariablen wurden als Treiber des Kreditzyklus betrachtet: Reales BIP-</span></div><div class=\"ps24772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wachstum, Arbeitslosenquote, 3-Monats-Geldmarktzins, Rendite 10-j\u00e4hriger Staatsanleihen, der Renditespread 10-j\u00e4hriger </span></div><div class=\"ps24773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Staatsanleihen gegen\u00fcber Deutschland, Hauspreisindex, Wechselkurse und Verbraucherpreisindex. F\u00fcr jedes Land (oder jedes </span></div><div class=\"ps24774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio im Fall von Retail-Exposures) werden spezifische Regeln zur Erkl\u00e4rung historisch beobachteter Ausfallraten bestimmt. </span></div><div class=\"ps24775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrend des Kreditzyklus werden PDs mit den Ergebnissen des makro\u00f6konomischen Modells \u00fcberlagert, um den aktuellen und </span></div><div class=\"ps24776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Zustand der Wirtschaft widerzuspiegeln. F\u00fcr Firmenkunden wird zus\u00e4tzlich je nach Industrie der Zustand im </span></div><div class=\"ps24777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzyklus ber\u00fccksichtigt. W\u00e4hrend f\u00fcr Firmenkunden in Industrien mit neutralem Ausblick keine weitere Anpassung der </span></div><div class=\"ps24778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makromodelle vorgenommen wird, wird f\u00fcr Firmenkunden in Industrien mit schlechtem Ausblick das erwartete Kreditrisiko als </span></div><div class=\"ps24779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich erh\u00f6ht angenommen. F\u00fcr Non-Retail-Exposures wird f\u00fcr die LGD das Makromodell auf die zugrunde liegenden </span></div><div class=\"ps24780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesundungsraten angewendet, d. h. ein positiver makro\u00f6konomischer Ausblick treibt die Gesundungsraten in die H\u00f6he und dies </span></div><div class=\"ps24781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">reduziert die LGD. F\u00fcr Retail-Exposures wird die Workout-LGD in \u00e4hnlicher Weise wie die Ausfallraten entweder direkt oder </span></div><div class=\"ps13688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich \u00fcber die Komponenten wie Gesundungsraten, Verlust bei Gesundung sowie Verlust bei Nichtgesundung modelliert. </span></div><div class=\"ps24782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die langfristigen durchschnittlichen LGDs werden mit den Ergebnissen der Makromodelle \u00fcberlagert, um die aktuelle und </span></div><div class=\"ps24783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Wirtschaftslage widerzuspiegeln. Den einzelnen Szenarien wurden zum Ende des Berichtsjahres folgende </span></div><div class=\"ps24784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtungen zugeteilt: optimistisches Szenario 25 Prozent, Basis-Szenario 50 Prozent, pessimistisches Szenario 25 Prozent. </span></div><div class=\"ps24785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden sind folgende auf aktuelle wirtschaftliche und politische Entwicklungen zur\u00fcckzuf\u00fchrende Risiken und </span></span></div><div class=\"ps24786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplikationen in den makro\u00f6konomischen Modellen ber\u00fccksichtigt. Historisch hohe Inflationsraten in Kombination mit </span></span></div><div class=\"ps24787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6heren Leitzinsen f\u00fchrten zu einem Anstieg der Finanzierungskosten von Firmen. Diese Entwicklung wird in den Modellen </span></span></div><div class=\"ps24788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">wichtiger Portfoliosegmente mit der Ver\u00e4nderung des 3-Monate-Geldmarktzinses sowie der Rendite von Staatsanleihen </span></span></div><div class=\"ps24789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfasst, die zu einem Anstieg des prognostizierten Ausfallsrisikos f\u00fchrt. Zwar k\u00f6nnen hohe Inflationsraten in bivariaten Analysen </span></span></div><div class=\"ps24790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit h\u00f6herem Ausfallsrisiko assoziiert sein, die zugrunde liegenden Mechanismen sind aber die von Inflation verursachten </span></span></div><div class=\"ps24791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zinserh\u00f6hungen sowie ein oft gleichzeitig auftretendes tendenziell niedrigeres Wirtschaftswachstum. Diese Mechanismen sind </span></span></div><div class=\"ps24792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den Modellen \u00fcber reales Wirtschaftswachstum und Zinsver\u00e4nderungen direkt abgedeckt. Aus makro\u00f6konomischer Sicht </span></span></div><div class=\"ps24793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">waren die COVID-Pandemie und ihre Folgen von extremer Volatilit\u00e4t gepr\u00e4gt, mit starken Reduktionen des realen BIP und </span></span></div><div class=\"ps24794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anschlie\u00dfend ebenso starkem Wirtschaftswachstum. Im Gegensatz zu vergleichbaren Rezessionen nach der Finanzkrise sind </span></span></div><div class=\"ps24795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diese Entwicklungen nicht mit einer Welle von Insolvenzen und Kreditausf\u00e4llen einhergegangen. Das ist auf zwei Ursachen </span></span></div><div class=\"ps24796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zur\u00fcckzuf\u00fchren. Zum einen war die COVID-bedingte Rezession in erster Linie ein tempor\u00e4res Aussetzen wirtschaftlicher </span></span></div><div class=\"ps24797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aktivit\u00e4t, das wenige strukturelle Anpassungen erfordert hatte. Zum anderen kam es zu massiven unterst\u00fctzenden politischen </span></span></div><div class=\"ps24798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um einen permanenten Effekt (Arbeitslosigkeit, Insolvenz) zu vermeiden. Diese Entwicklungen zeigen, dass der </span></span></div><div class=\"ps24799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zusammenhang zwischen makro\u00f6konomischen Indikatoren und Kreditrisiko von Umst\u00e4nden beeinflusst wird, die quantitativ </span></span></div><div class=\"ps24800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">schwer erfassbar sind. Um zu vermeiden, dass die makro\u00f6konomischen Modelle implizit davon ausgehen, dass ein starker </span></span></div><div class=\"ps15732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">R\u00fcckgang des BIP-Wachstums immer mit massiven staatlichen Gegenma\u00dfnahmen einhergeht - wie es w\u00e4hrend der COVID-19-</span></span></div><div class=\"ps24801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Pandemie beobachtet wurde -, wurden zus\u00e4tzliche Parameter in die Modelle integriert. Diese Anpassungen werden gezielt auf </span></span></div><div class=\"ps24802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Segmente angewendet, in denen w\u00e4hrend der COVID-Phase kein signifikanter Anstieg des Ausfallrisikos zu verzeichnen war. </span></span></div><div class=\"ps24803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dadurch wird sichergestellt, dass die Prognosen des Modells pr\u00e4zise und unverzerrt bleiben.</span></span></div><div class=\"ps24804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundannahme der Anwendung makro\u00f6konomischer Kreditrisikomodelle ist, dass empirische Zusammenh\u00e4nge zwischen </span></div><div class=\"ps24805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">makro\u00f6konomischen Indikatoren und Ausfallrisiko auf zuk\u00fcnftige Ereignisse extrapoliert werden k\u00f6nnen.</span></div><div class=\"ps24806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Management Overlays <span id=\"ia5c4b0d62c1f4d22b061148d7ba6285e\"></span></span></div><div class=\"ps24807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In Situationen, in denen die bestehenden Input-Parameter, Annahmen und Modellierungen nicht alle relevanten neuartigen </span></span></div><div class=\"ps24808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikofaktoren abdecken, stellen Management Overlays eine praktikable L\u00f6sung dar, um eine angemessene Risikovorsorge trotz </span></span></div><div class=\"ps24810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">unzureichender historischer Daten sicherzustellen. </span></span><span class=\"f charStyle-9eccfdcb ps24809\">Dies ist grunds\u00e4tzlich dann der Fall, wenn vor\u00fcbergehende Umst\u00e4nde, </span></div><div class=\"ps24811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zeitliche Engp\u00e4sse, um relevante neue Informationen angemessen in das Rating einzubeziehen, vorliegen und wenn sich </span></div><div class=\"ps24812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelne Kredite innerhalb eines Kreditportfolios anders als urspr\u00fcnglich erwartet entwickeln. Durch die gegebene Situation, </span></div><div class=\"ps24813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere dem Krieg in der Ukraine, und der daraus resultierenden wirtschaftlichen Verwerfungen ist es notwendig, </span></div><div class=\"ps24814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risiken in den Wertminderungen abzubilden. All diese Anpassungen werden lokal von den Tochterunternehmen </span></div><div class=\"ps24815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlossen und zentral durch das Group Risk Committee (GRC) freigegeben. Es kommt zu portfoliospezifischen Anpassungen </span></div><div class=\"ps24816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Kriegs und der damit einhergehenden Sanktionen, die in der Kategorie geopolitisches Risiko dargestellt werden. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ihre Anwendungsdauer ist zeitlich begrenzt, oft f\u00fcr die Dauer spezifischer wirtschaftlicher Krisen oder bis Modelle angepasst </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Ihre Anwendung wird quartalsweise gepr\u00fcft. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr die zentralen Modelle im Bereich der Firmenkunden wird das zus\u00e4tzliche Risiko durch die Anwendung von In-Model </span></span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments (Parameteranpassungen innerhalb des Modells) ber\u00fccksichtigt. Diese Anpassungen k\u00f6nnen an verschiedenen </span></span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellparametern vorgenommen werden, wie z. B. den IFRS 9 PD-Kurven, k\u00fcnftigen Exposure-Profilen, der LGD etc. Die </span></span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bestimmungen f\u00fcr die Anwendung von In-Model Adjustments sind klar geregelt und umfassen unter anderem, erweiterte </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anforderungen an den Nachweis des neuartigen Risikofaktors, eine Analyse potenzieller \u00dcberschneidungen mit bestehenden </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">IFRS 9-Parametern und dem Kreditrisiko-Rating, eine detaillierte Dokumentation und eine starke Governance. Falls das In-Model </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment die angewandte PD erh\u00f6ht, wird dieser h\u00f6here Wert auch f\u00fcr die Staging-Entscheidung herangezogen. Die </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellanpassungen unterliegen regelm\u00e4\u00dfigen \u00dcberpr\u00fcfungen, mindestens jedoch auf viertelj\u00e4hrlicher Basis. Ein In-Model </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment bleibt so lange in Kraft, wie der identifizierte neuartige Risikofaktor fortbesteht und durch die bestehenden Modelle </span></span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht vollst\u00e4ndig abgebildet wird. </span></span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Im Retail Segment wurden ebenfalls In-Model Adjustments implementiert, sofern diese als geeignet angesehen wurden </span></span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dennoch blieben Post-Model Adjustments der vorherrschende Ansatz zur Adressierung neu auftretender Risiken. Diese Overlays </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden zus\u00e4tzlich zu den bestehenden Modellen angewandt, um die erwarteten Kreditverluste zu berechnen. Obwohl Post-</span></span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Model Adjustments als tempor\u00e4re Ma\u00dfnahmen betrachtet werden - mit einer \u00fcblichen G\u00fcltigkeit von ein bis zwei Jahren -, </span></span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dienen sie als Schutzma\u00dfnahme gegen potenzielle Verzerrungen. Sofern die identifizierten Risiken \u00fcber einen l\u00e4ngeren Horizont </span></span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">fortbestehen, werden sie durch Modellaktualisierungen oder Anpassungen der Modell-Inputs (einschlie\u00dflich In-Model </span></span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments) adressiert. Damit wird sichergestellt, dass die Modelle das sich entwickelnde Risikoprofil angemessen erfassen. </span></span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Overlays sind in nachfolgender Tabelle nach den relevanten Kategorien dargestellt. </span></div><div class=\"ps24864 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1368\"><div><div class=\"ps5730 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss185\"><div><div class=\"ps18991 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps9380\">Non-Retail Overlays</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps21353\">Retail Overlays</span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss1370\"><div><div class=\"ps18991 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2997 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24819 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24820 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24821 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24822 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24823 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24824 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24825 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24826 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24827 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps2768\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24828 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24829 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17895\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24830 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24831 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24832 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24206\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20227\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24833 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24834 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24835 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24836 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24837 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24233\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21345\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24838 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24839 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24840 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24841 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24842 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19921\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24843\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24844 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1085\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24845 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19689\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24847 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24846\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24848 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19286\">524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24255 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24850 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24851 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24852 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps23786\">79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24853 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17760\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24854 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20866\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5434 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24856 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps24855\">563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24858 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24857\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24859 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24860 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21541\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps15125\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24863 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24862\">976<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24901 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps24865\">Sonstige Risikofaktoren<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps17584\">Post-Model-Adjustments<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14916 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24866 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24867 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24868 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14924 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24869 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24870 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22999\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14936 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24872 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24873 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24874 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20563\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21402\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24876 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24877 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24878 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24879 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24244\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10755\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22299 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24882 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24883 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20390\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10638\">195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24886\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24887 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24889 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24888\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24890 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1506 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20214\">559<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19410\">248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24892 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24893\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24895 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17759\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1518 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19280\">350<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24896 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps20518\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22319 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24897 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps505\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24899 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17727\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1531 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24900\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zus\u00e4tzlich zu dem modellierten ECL (vor In-Model Adjustments) wurden Overlays in Stage 1 und Stage 2 in H\u00f6he von \u20ac 413 </span></span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Millionen (Vorjahr: \u20ac 467 Millionen) ber\u00fccksichtigt. Davon entfielen \u20ac 89 Millionen (Vorjahr: \u20ac 196 Millionen) auf die Auswirkungen </span></span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Krieges in der Ukraine und \u20ac\u00a0324 Millionen (Vorjahr: \u20ac 270 Millionen) auf makro\u00f6konomische Risiken (Spill-Over-Effekte und </span></span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sonstige). </span></span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den Spill-Over Effekten wurde ein Betrag in H\u00f6he von \u20ac 18 Millionen (Vorjahr: \u20ac 15 Millionen) aufgrund von Klimarisiken </span></span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebucht. Davon betreffen \u20ac 14 Millionen (Vorjahr: \u20ac 9 Millionen) Firmenkunden und \u20ac 4 Millionen (Vorjahr: \u20ac 6 Millionen) Retail-</span></span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kunden.</span></span></div><div class=\"ps24909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Non-Retail Overlays</span><span id=\"ibe6b2692710444a8af153e53f58a496e\"></span></span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden wurden zus\u00e4tzliche Wertminderungen in H\u00f6he von \u20ac 235 Millionen (Vorjahr: \u20ac 169 Millionen) f\u00fcr </span></span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">makro\u00f6konomische Effekte gebildet. Sie bilden Risiken ab, die \u00fcber die l\u00e4nderspezifische Branchenmatrix hinausgehen. Unter </span></span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diesen subsumieren sich sowohl globale wirtschaftspolitische Risiken wie zum Beispiel Z\u00f6lle und Gegenz\u00f6lle, als auch erwartete </span></span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Herabstufungen von Unternehmen z. B. aufgrund h\u00f6herer Energiepreise, einer erh\u00f6hten Inflation, von Engp\u00e4ssen in Lieferketten </span></span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie geringerer Ums\u00e4tze und h\u00f6herer Kosten als Folge erh\u00f6hter Energiepreise, insbesondere aus Vorjahren. </span></span></div><div class=\"ps24915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der Ukraine wurden f\u00fcr die Auswirkungen des Krieges \u20ac 81 Millionen (Vorjahr: \u20ac 83 Millionen) zus\u00e4tzlich in Form von </span></span></div><div class=\"ps24916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Management Overlays vorgesorgt. Diese zus\u00e4tzlich gebildeten Vorsorgen ergaben sich aus der Modellierung einer anhaltenden </span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zerst\u00f6rung der Infrastru</span></span><span class=\"f charStyle-9eccfdcb ps24917\">ktur sowie durch die fortgesetzte Bombardierung der betroffenen Gebiete. Im Vorjahr wurden diese </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken zusammen mit den EU- und US Sanktionsrisiken gegen\u00fcber russischen Kunden als geopolitische Risiken dargestellt und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrugen f\u00fcr Russland und die Ukraine insgesamt \u20ac 205 Millionen. Die Overlays f\u00fcr EU- und US Sanktionsrisiken gegen\u00fcber </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgew\u00e4hlten russischen Kunden wurden im Gesch\u00e4ftsjahr aufgrund der vollst\u00e4ndigen R\u00fcckzahlung der betroffenen Obligos </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur G\u00e4nze aufgel\u00f6st.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um Klima- und Umweltrisiken zu ber\u00fccksichtigen wurde f\u00fcr Firmen</span><span class=\"f charStyle-26fbf26f ps24918\"><span style=\"background-color:inherit\">kunden die M\u00f6glichkeit eines kurzfristigen </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">au\u00dferplanm\u00e4\u00dfigen Szenarios in Betracht gezogen, in dem CO</span></span><span class=\"f charStyle-c12972e2 ps24919\"><span style=\"background-color:inherit\">2</span></span><span class=\"f charStyle-26fbf26f ps24920\"><span style=\"background-color:inherit\"> Emissionen teurer werden und die Preise f\u00fcr fossile Energietr\u00e4ger </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6her sind. Bei einem diversifizierten Portfolio, wie dem der RBI, gleichen sich die Auswirkungen zwar weitgehend aus, in einigen </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sektoren besteht jedoch ein erh\u00f6htes Risiko. Dabei handelt es sich um Sektoren mit Kund:innen, die ein niedriges Umwelt Score </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den ESG Scoring Modellen aufweisen, wie z. B. die \u00d6l- und Gasindustrie und das Baugewerbe. H\u00f6here </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeiten in diesen Sektoren f\u00fchren zu einem Anstieg der erwarteten Kreditverluste.</span></span></div><div class=\"ps24921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Retail Overlays</span><span id=\"i6c5cf41c2c2e473eba3412c156475163\"></span></span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">W\u00e4hrend des letzten Jahres waren die Retail-Kund:innen einem zunehmenden Inflationsdruck ausgesetzt, der ihre F\u00e4higkeit zur </span></span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Deckung ihrer Kreditverpflichtungen beeintr\u00e4chtigt hatte. Als Teil der IFRS-9-Regelungen gibt es sowohl auf L\u00e4nder- als auch </span></span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf Produktebene, PD- und LGD-Modelle, die der Notwendigkeit dienen, diese hohen Risiken, die sich aus dem makro\u00f6ko-</span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nomischen Umfeld ergeben, zu adressieren. F\u00fcr bestimmte L\u00e4nder und Portfolios, bei denen die makro\u00f6konomischen Modelle </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">den wichtigsten makro\u00f6konomischen Variablen (Inflation, Zinss\u00e4tze, Arbeitslosigkeit usw.) entweder hinterherhinken oder die </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht Teil des Modells sind, werden f\u00fcr bestimmte Kundengruppen mit hohem Risiko zus\u00e4tzliche Post-Model-Adjustments </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebildet. Diese beinhalten eine qualitative Beurteilung der Kreditobligos im Hinblick auf einen signifikanten Anstieg des </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisikos und ihre \u00dcbertragung von Stage 1 auf Stage 2, sowie in bestimmten F\u00e4llen eine Erh\u00f6hung der PD- und/oder LGD-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sch\u00e4tzungen. Die Kriterien f\u00fcr die Identifizierung solcher Kreditobligos basieren auf Informationen des Kreditantrags sowie des </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">historischen Zahlungsverhaltens und werden in weiterer Folge durch gestresste makro\u00f6konomische Variablen verfeinert. Die </span></span></div><div class=\"ps24922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufl\u00f6sung der Post-Model-Adjustments erfolgt entweder nach Materialisierung der Risiken durch Transfer der betroffenen </span></span></div><div class=\"ps24923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Forderungen nach Stage 3 oder dem Nichteintritt der erwarteten Risiken.</span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr das ukrainische Retail-Kundenportfolio, das seit Kriegsbeginn gr\u00f6\u00dftenteils in Stage 2 verschoben wurde, basiert die Bildung </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Wertminderungen auf dem Urteil lokaler Experten, welches aus dem regelm\u00e4\u00dfigen Kontakt mit den einzelnen Kund:innen </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durch die Inkassoabteilung gewonnen wird. Des Weiteren finden strukturierte Kundengespr\u00e4che statt, um \u00fcber die Bed\u00fcrfnisse </span></span></div><div class=\"ps24924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und potenzielle Probleme, die die R\u00fcckzahlungsf\u00e4higkeit der Kund:innen beeinflussen k\u00f6nnten, auf dem Laufenden zu bleiben. </span></span></div><div class=\"ps24925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Verm\u00f6genswerte und Kund:innen aus besetzten Regionen oder Gebieten, welche einem hohen Risiko von Feindseligkeiten </span></span></div><div class=\"ps24926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">oder Besetzungen ausgesetzt sind, wurden die Risikoparameter weiter nach oben angepasst, um die erwarteten k\u00fcnftigen </span></span></div><div class=\"ps24927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Verluste auf der Grundlage der oben angef\u00fchrten Erhebungen zu ber\u00fccksichtigen.</span></span></div><div class=\"ps24928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ie784ee2bfddd45da8e6737dcbdc77932\"></span></span></div><div class=\"ps24929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um eine Bandbreite f\u00fcr potenzielle Sch\u00e4tzungs\u00e4nderungen und daraus ge\u00e4nderte Wertminderungen zu simulieren, wurden </span></div><div class=\"ps24930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Sensitivit\u00e4tsanalysen der wichtigsten Annahmen, die sich auf die erwarteten Wertminderungen auswirken, wie folgt </span></div><div class=\"ps24931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchgef\u00fchrt.</span></div><div class=\"ps24932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse wurde durchgef\u00fchrt, indem die Wertminderungen f\u00fcr erwartete Kreditverluste in den vorhandenen </span></div><div class=\"ps24933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modellen neu berechnet wurden. Die Risikofaktoren und Post-Model-Adjustments sind, bis auf die Stage-1-Simulationen, in allen </span></div><div class=\"ps24934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien in vollem Umfang inkludiert und unterliegen keinen weiteren Anpassungen. Aufgrund der Komplexit\u00e4t des Modells </span></div><div class=\"ps24935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schlie\u00dfen sich viele Treiber nicht gegenseitig aus. </span></div><div class=\"ps24936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle zeigt einen Vergleich zwischen den ausgewiesenen kumulierten Wertminderungen f\u00fcr erwartete <span class=\"f ps24\"> </span></span></div><div class=\"ps24937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 1 und Stage 2 (gewichtet mit 25 Prozent optimistischen, 50 Prozent Basis </span></div><div class=\"ps24938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 25 Prozent pessimistischen Szenarien) und den jeweils mit 100 Prozent gewichteten Szenarien. Optimistisches und </span></div><div class=\"ps24939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistisches Szenario stellen keine Extremf\u00e4lle aus dem Ergebnisraum der 25 Prozent optimistischsten und </span></div><div class=\"ps24940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistischsten Szenarien dar, sondern einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. Das bedeutet, dass sich diese </span></div><div class=\"ps24941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien auf der Verteilungskurve um circa 25 Prozent respektive 75 Prozent befinden. Grunds\u00e4tzlich werden bei den IFRS-9-</span></div><div class=\"ps24942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifischen Sch\u00e4tzungen der Risikoparameter neben historischen Ausfallinformationen sowie das aktuelle wirtschaftliche </span></div><div class=\"ps24943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umfeld ber\u00fccksichtigt. Die Auswirkungen der Sch\u00e4tzungen aufgrund von makro\u00f6konomischen Prognosen werden in der </span></div><div class=\"ps24944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunftsbezogenen Komponente dargestellt. Die Informationen dienen der Veranschaulichung.</span></div><div class=\"ps24973 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24951\">904<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24955\">-90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24957\">954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24960\">-39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24962\">1.080<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24965\">87<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24967\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24969\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24971\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24975\">972<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24977\">-61<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24978\">1.056<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24979\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24980\">1.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24981\">135<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24982\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24983\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24984\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Insgesamt sind die makro\u00f6konomischen Szenarien im Moment besser als der langj\u00e4hrige Durchschnitt, was zu einer Reduktion </span></span></div><div class=\"ps24986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der zukunftsbezogenen Komponente um \u20ac 18 Millionen f\u00fchrt.</span></span></div><div class=\"ps24987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das positive Szenario, welches in der unten folgenden Tabelle dargestellt wird, folgt der Pr\u00e4misse, dass alle Forderungen als </span></div><div class=\"ps24988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 1 klassifiziert werden und alle makro\u00f6konomischen und geopolitischen Risiken nicht relevant sind.</span></div><div class=\"ps24989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anbei werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle Verm\u00f6genswerte unter </span></div><div class=\"ps24990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der erwarteten Zw\u00f6lf-Monats-Verluste bewertet </span></div><div class=\"ps24991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden (Stage 1), ausgewiesen.</span></div><div class=\"ps25006 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:264.75pt\"></td><td style=\"padding:0;width:88.5pt\"></td><td style=\"padding:0;width:88.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24993 ss793\"><div><div class=\"ps3137 ss787\"><span class=\"f charStyle-1dbd4d87 ps24992\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24995 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24994\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15644 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24996\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24998 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps24997\">514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15646 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps24999\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25001 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25000\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15650 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25002\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2 aufgrund von Staging<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25004 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25003\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15652 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25005\">490<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung des Negativ-Szenarios geht davon aus, dass alle Forderungen als Stufe 2 eingestuft werden. Folglich werden </span></div><div class=\"ps25008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">alle makro\u00f6konomischen und geopolitischen Risiken in dieser Analyse ber\u00fccksichtigt.</span></div><div class=\"ps25009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der folgenden Tabelle werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle </span></div><div class=\"ps25010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte unter der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der gesamten Restlaufzeit </span></div><div class=\"ps25011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden (Stage 2), ausgewiesen.</span></div><div class=\"ps25025 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps10760\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25014\">2.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25015\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25017\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25019\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25021\">1.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25023\">658<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt einen Vergleich zwischen der ausgewiesenen kumulierten Wertminderung f\u00fcr erwartete </span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 3 und dem pessimistischen Szenario gewichtet mit 100 Prozent. Das </span></div><div class=\"ps25026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistische Szenario stellt keinen Extremfall aus dem Ergebnisraum der 25 Prozent pessimistischsten Szenarien dar, sondern </span></div><div class=\"ps25027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. </span></div><div class=\"ps25033 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps13427\">Kumulierte Wertminderungen (Stage 3)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Pessimistisches Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25028\">1.801<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25029\">2.193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25030\">1.480<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25013\">1.909<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung der Wertminderungen im pessimistischen Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25031\">321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25032\">284<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verm\u00f6genswerte<span id=\"ifb6970ca593b4ec49e85f23ea9c80166\"></span></span></div><div class=\"ps25035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Schuldverschreibungen werden teilweise oder vollst\u00e4ndig ausgebucht, wenn keine Zahlungen bzw. R\u00fcckfl\u00fcsse mehr </span></div><div class=\"ps25036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet werden. Dies geschieht, wenn der Kreditnehmer keine Einnahmen aus dem operativen Gesch\u00e4ft mehr erzielt und die </span></div><div class=\"ps25037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheiten keine ausreichenden Cash-Flows generieren k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in Insolvenz werden </span></div><div class=\"ps25038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten wertgemindert, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr erzielt. Im Retail-Gesch\u00e4ft werden qualitative Faktoren ber\u00fccksichtigt. In F\u00e4llen, in denen seit einem Jahr keine Zahlung </span></div><div class=\"ps25040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleistet wurde, werden hier die ausstehenden Betr\u00e4ge ausgebucht, wobei ausgebuchte Forderungen weiter Gegenstand von </span></div><div class=\"ps25041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeiten sein k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in sogenannten Gone-Concern-F\u00e4llen werden </span></div><div class=\"ps25042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten abgeschrieben, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr generiert. Die ausstehenden Bruttoforderungen aus finanziellen Verm\u00f6genswerten, die noch Gegenstand der </span></div><div class=\"ps4860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeit sind, betrugen \u20ac 1.401 Millionen (Vorjahr: \u20ac 1.297 Millionen).</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verbindlichkeiten<span id=\"ia81b6a74840c431cb8919670a599f432\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern bucht eine finanzielle Verbindlichkeit aus, wenn seine Verpflichtungen beglichen, aufgehoben oder ausgelaufen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Der Ertrag oder Aufwand aus dem R\u00fcckkauf von eigenen Verbindlichkeiten wird unter Punkt (6) Sonstiges betriebliches </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis dargestellt. Auch der R\u00fcckerwerb eigener Schuldtitel f\u00e4llt unter die Ausbuchung finanzieller Verpflichtungen. </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetr\u00e4ge beim R\u00fcckkauf zwischen dem Buchwert der Verpflichtung (einschlie\u00dflich Agios und Disagios) und dem </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaufpreis werden erfolgswirksam im sonstigen betrieblichen Ergebnis erfasst, sofern es sich nicht um eine zum Fair Value </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designierte Verbindlichkeit handelt. Bezieht sich der R\u00fcckkauf auf finanzielle Verbindlichkeiten, die unter Anwendung der Fair-</span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value-Option bilanziert wurden, so bleiben jene Fair-Value-\u00c4nderungen, die aus einer Verschlechterung der eigenen Bonit\u00e4t </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(und damit einer Ver\u00e4nderung des Ausfallrisikos der finanziellen Verbindlichkeit) herr\u00fchren, erfolgsneutral erfasst und werden </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Gewinn oder Verlust umgegliedert.</span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt den Betrag des Bruttobuchwerts und der Wertminderungen jener finanziellen Verm\u00f6genswerte \u2013 </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Amortized Cost und finanziellen Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income, die sich in der </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperiode von erwarteten Zw\u00f6lf-Monats-Verlusten (Stage 1) hin zu erwarteten Verlusten \u00fcber die Restlaufzeit (Stage 2 </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 3) oder umgekehrt bewegt haben:</span></div><div class=\"ps25140 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1379\"><div><div class=\"ps3137 ss1378\"><span class=\"f charStyle-1dbd4d87 ps1642\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1382\"><div><div class=\"ps5426 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25057\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25058\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps50 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps17263\">-6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps118\">6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps14999\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps25062\"></span><span class=\"ps25062\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17204\"></span><span class=\"ps17204\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21542\">-60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17889\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25069 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps23943\">-139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18513\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25074 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps22204\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25075\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25080 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25081\">-257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25082\">257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20183\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25085\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25087\"></span><span class=\"ps25087\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25089 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17773\"></span><span class=\"ps17773\">7,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25090\">-3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps307\">3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18478\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22537\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25095 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19579\"></span><span class=\"ps19579\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10787\">2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps1069\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25100 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13350\"></span><span class=\"ps13350\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps10643\">6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9442\">-6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25102\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps15881\">-258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20085\"></span><span class=\"ps20085\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25106 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13308\"></span><span class=\"ps13308\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25110\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25112\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19957\"></span><span class=\"ps19957\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25117 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1619\"></span><span class=\"ps1619\">10,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25118\">295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps113\">-295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25122 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1623\"></span><span class=\"ps1623\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20293\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17770\">-589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25124\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25128 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps4126\">2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10120\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20118\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps458\">-171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25132 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17706\"></span><span class=\"ps17706\">7,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17906\">3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9386\">-3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20843\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25136\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25139 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der Wertminderungen aus der Bewegung von erwarteten Zw\u00f6lf-Monats-Kreditverlusten zu Lifetime betrug \u20ac 287 </span></div><div class=\"ps25142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (Vorjahr: \u20ac 333 Millionen). Der R\u00fcckgang der Wertminderungen aus der Bewegung von Lifetime zu erwarteten Zw\u00f6lf-</span></div><div class=\"ps25143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monats-Kreditverlusten betrug \u20ac 237 Millionen (Vorjahr: \u20ac 169 Millionen).</span></div><div class=\"ps25168 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12887\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25144 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22706\">-5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps13210\">5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps25145\">388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps18107\"></span><span class=\"ps18107\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25146 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25147 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20180\">-141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25148\">141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20216\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20193\"></span><span class=\"ps20193\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25149 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17912\"></span><span class=\"ps17912\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20347\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25150\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25151 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19633\"></span><span class=\"ps19633\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25152\">-497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20422\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20097\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25153 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19189\"></span><span class=\"ps19189\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps8920\">-3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6729\">3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25154\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17792\">207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20539\"></span><span class=\"ps20539\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25155 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18078\"></span><span class=\"ps18078\">6,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17402\">-1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps19535\">1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20259\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25156 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps111\"></span><span class=\"ps111\">8,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps21380\">5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9896\">-5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps20559\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps16883\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21626\"></span><span class=\"ps21626\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25157 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25158 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20138\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17722\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25159 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12631\"></span><span class=\"ps12631\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21545\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25160\">-214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25161 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17910\"></span><span class=\"ps17910\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20261\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17285\">-461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25162\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25163\"></span><span class=\"ps25163\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25164 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17911\"></span><span class=\"ps17911\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17784\">2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10500\">-2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25165\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22538\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21394\"></span><span class=\"ps21394\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25166 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11922\"></span><span class=\"ps11922\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18115\">3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9438\">-3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps806\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25167 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8448\"></span><span class=\"ps8448\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25382 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Identit\u00e4t von Schuldner und Gl\u00e4ubiger erfolgt eine Aufrechnung laufzeit- und w\u00e4hrungskonformer Forderungen und <span class=\"f ps24\"> </span></span></div><div class=\"ps25383 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten dann, wenn ein durchsetzbares Recht darauf besteht und die Aufrechnung dem tats\u00e4chlich erwarteten </span></div><div class=\"ps25384 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ablauf des Gesch\u00e4fts entspricht.</span></div><div class=\"ps25385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter vergleichbaren Vereinbarungen sind unter anderem Derivat-Clearingvertr\u00e4ge sowie globale Rahmenvertr\u00e4ge \u00fcber einen </span></div><div class=\"ps25386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckkauf oder Wertpapierleihgesch\u00e4fte zu verstehen. \u00c4hnliche Finanzinstrumente sind z. B. Derivate, Repo- und Reverse-Repo-</span></div><div class=\"ps25387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4fte sowie Wertpapierverleih- und -leihgesch\u00e4fte.<span class=\"f ps24\"> </span></span></div><div class=\"ps25388 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einige dieser Vereinbarungen werden in der Bilanz nicht saldiert, weil den jeweiligen Vertragspartnern ein Recht zur <span class=\"f ps24\"> </span></span></div><div class=\"ps25389 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnung von erfassten Betr\u00e4gen einger\u00e4umt wird, welches nur bei Eintritt eines Ereignisses, das einen Verzug darstellt, der </span></div><div class=\"ps25390 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insolvenz oder des Konkurses des Konzerns oder der Vertragspartner oder von anderen, vorab festgelegten Ereignissen </span></div><div class=\"ps25391 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchsetzbar ist. Dar\u00fcber hinaus beabsichtigen der Konzern und seine Vertragspartner nicht, auf Nettobasis abzurechnen oder </span></div><div class=\"ps25392 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Verm\u00f6genswerte zu realisieren und zeitgleich die Schulden zu tilgen. Der Konzern erh\u00e4lt und stellt Sicherheiten in Form von </span></div>liquiden Mitteln und marktg\u00e4ngigen Wertpapieren.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-405": {
   "value": "<div class=\"ps18879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und <span id=\"ifd020ee4f3a64b62a182f8da84dfa865\"></span></span></div><div class=\"ps18880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">finanziellen Verbindlichkeiten</span></div><div class=\"ps18881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Finanzinstrument ist ein Vertrag, der gleichzeitig bei einem Gesch\u00e4ftspartner zu einem finanziellen Verm\u00f6genswert und </span></div><div class=\"ps18882 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim anderen zu einer finanziellen Schuld oder einem Eigenkapitalinstrument f\u00fchrt. Beim erstmaligen Ansatz sind </span></div><div class=\"ps18883 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzinstrumente mit dem beizulegenden Zeitwert zu bewerten; dieser entspricht in der Regel dem Transaktionspreis zum </span></div><div class=\"ps18884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt. Stellt eine Konzerneinheit fest, dass der beizulegende Zeitwert beim erstmaligen Ansatz vom <span class=\"f ps24\"> </span></span></div><div class=\"ps18885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionspreis abweicht, diese Bewertung zum beizulegenden Zeitwert jedoch nicht durch eine Bewertungstechnik belegt <span class=\"f ps24\"> </span></span></div><div class=\"ps18886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, die ausschlie\u00dflich Daten aus beobachtbaren M\u00e4rkten verwendet, dann wird der Buchwert des finanziellen Verm\u00f6genswerts <span class=\"f ps24\"> </span></span></div><div class=\"ps18887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder der finanziellen Verbindlichkeit beim erstmaligen Ansatz angepasst, um die Differenz zwischen der Bewertung zum </span></div><div class=\"ps18888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert und dem Transaktionspreis abzugrenzen. Die abgegrenzte Differenz wird in der Folge nur insoweit als </span></div><div class=\"ps18889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn oder Verlust erfasst, als sie sich aus der \u00c4nderung eines Faktors (einschlie\u00dflich des Zeitpunkts) ergibt, den die </span></div><div class=\"ps18890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktteilnehmer:innen bei der Preisbildung ber\u00fccksichtigen w\u00fcrden. Gem\u00e4\u00df IFRS 13 ist der beizulegende Zeitwert als </span></div><div class=\"ps18891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungspreis definiert. In der Folgebewertung werden Finanzinstrumente in Abh\u00e4ngigkeit von der jeweiligen </span></div><div class=\"ps18892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungskategorie gem\u00e4\u00df IFRS 9 entweder zu (fortgef\u00fchrten) Anschaffungskosten oder zum beizulegenden Zeitwert (Fair </span></div><div class=\"ps18893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value) in der Bilanz angesetzt. </span></div><div class=\"ps18894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Klassifizierung von finanziellen Verm\u00f6genswerten nach IFRS 9 basiert auf zwei Kriterien, einerseits dem Gesch\u00e4ftsmodell </span></div><div class=\"ps18895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter welchem der Verm\u00f6genswert verwaltet wird und andererseits den Charakteristika der vertraglichen Zahlungsstr\u00f6me. F\u00fcr </span></div><div class=\"ps18896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI ergeben sich hieraus f\u00fcnf Kategorien f\u00fcr finanzielle Verm\u00f6genswerte:</span></div><div class=\"ps18897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte (Amortized Cost, AC)</span></div><div class=\"ps18898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erfolgsneutral zum Fair Value bewertete finanzielle Verm\u00f6genswerte (Fair Value Through Other Comprehensive </span></div><div class=\"ps18899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Income, FVOCI)</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zwingend als erfolgswirksam zum Fair Value bewertete finanzielle Verm\u00f6genswerte (Fair Value Through Profit/Loss, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">FVTPL)</span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Optional als erfolgswirksam zum Fair Value bewertete finanzielle Verm\u00f6genswerte (FVTPL) </span></div><div class=\"ps18900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Held For Trading (HFT).</span></div><div class=\"ps3510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bilanzierung der finanziellen Verbindlichkeiten nach IFRS 9 erfolgt \u00fcberwiegend zu (fortgef\u00fchrten) Anschaffungskosten </span></div><div class=\"ps5827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Finanzielle Verbindlichkeiten \u2013 Amortized Cost) unter Anwendung der Effektivzinsmethode mit Ausnahme jener finanziellen </span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zum beizulegenden Zeitwert (Fair Value) bewertet werden. Letztere umfassen jene finanziellen </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zu Handelszwecken gehalten werden (Finanzielle Verbindlichkeiten \u2013 Held For Trading), und solche, die in </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die FVTPL-Kategorie designiert wurden (Finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss). Bei den zum </span></div><div class=\"ps18902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair Value Through Profit/Loss designierten finanziellen Verbindlichkeiten sind die Ver\u00e4nderungen des beizulegenden Zeitwerts, </span></div><div class=\"ps18903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die sich aus Ver\u00e4nderungen des eigenen Ausfallrisikos der RBI ergeben, im sonstigen Ergebnis auszuweisen.</span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach IFRS 9 werden eingebettete Derivate nicht vom Basisvertrag eines finanziellen Verm\u00f6genswerts getrennt. Stattdessen </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden finanzielle Verm\u00f6genswerte gem\u00e4\u00df dem Gesch\u00e4ftsmodell und ihren Vertragsbedingungen klassifiziert, wie im </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschnitt \u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells und im Abschnitt \u00dcberpr\u00fcfung der Charakteristika der vertraglichen </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsstr\u00f6me erl\u00e4utert. Bei Finanzverbindlichkeiten werden eingebettete Derivate nur dann vom Basisinstrument separiert </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und gesondert als Derivat verbucht, wenn deren wirtschaftliche Merkmale und Risiken nicht eng mit den wirtschaftlichen </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Merkmalen und Risiken des Basisvertrags verbunden sind, das eingebettete Derivat der Definition eines Derivats entspricht, und </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das hybride Finanzinstrument keinem finanziellen Verbindlichkeitsposten zugeordnet ist, der zu Handelszwecken gehalten wird, </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder als erfolgswirksam zum Fair Value bewertet eingestuft wird.</span></div><div class=\"ps18912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">N\u00e4here Details zur Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten finden </span></div><span class=\"f charStyle-9eccfdcb ps17\">sich im Anhang bei den jeweiligen Posten der Erfolgsrechnung und der Bilanz</span><div class=\"ps18914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Umklassifizierung finanzieller Verm\u00f6genswerte <span id=\"i9c5f6b5fa0594732a0aa40fca3b74d34\"></span></span></div><div class=\"ps18915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Umklassifizierung ist nur f\u00fcr finanzielle Verm\u00f6genswerte vorgesehen, f\u00fcr finanzielle Verbindlichkeiten ist eine <span class=\"f ps24\"> </span></span></div><div class=\"ps18916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung nicht m\u00f6glich. Eine \u00c4nderung der Bewertungskategorie ist in der RBI nur dann vorgesehen, wenn das </span></div><div class=\"ps18917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodell, das zur Verwaltung eines finanziellen Verm\u00f6genswerts eingesetzt wird, sich \u00e4ndert. Solche \u00c4nderungen </span></div><div class=\"ps18918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">treten erwartungsgem\u00e4\u00df nur sehr selten auf, sie werden vom Management infolge von externen oder internen \u00c4nderungen </span></div><div class=\"ps18919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und m\u00fcssen sowohl f\u00fcr den Betrieb des Unternehmens wesentlich als auch gegen\u00fcber externen Parteien </span></div><div class=\"ps18920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachweisbar sein. Sind diese Voraussetzungen erf\u00fcllt, ist die Umklassifizierung zwingend vorzunehmen. Wenn eine derartige </span></div><div class=\"ps18921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung notwendig ist, ist diese prospektiv ab dem Zeitpunkt der Umklassifizierung vorzunehmen und vom Vorstand </span></div><div class=\"ps18922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI zu genehmigen. </span></div><div class=\"ps20932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein finanzieller Verm\u00f6genswert wird in der RBI zu fortgef\u00fchrten Anschaffungskosten (AC) bewertet, wenn beide der folgenden </span></div><div class=\"ps20933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingungen erf\u00fcllt sind:<span class=\"f ps24\"> </span></span></div><div class=\"ps20934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert wird im Rahmen eines Gesch\u00e4ftsmodells gehalten, dessen Zielsetzung darin besteht, </span></div><div class=\"ps20935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswerte zu verwalten, um vertragliche Cash-Flows zu vereinnahmen.</span></div><div class=\"ps20936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die vertraglichen Ausstattungsmerkmale des Verm\u00f6genswerts f\u00fchren an festgelegten Zeitpunkten zu Cash-Flows, </span></div><div class=\"ps20937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen.</span></div><div class=\"ps20938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Bedingungen sind in den Abschnitten \u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells, \u00dcberpr\u00fcfung der Charakteristika der </span></div><div class=\"ps20939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Zahlungsstr\u00f6me und \u00c4nderungen des Zeitwerts des Geldes und Benchmark-Test detaillierter ausgef\u00fchrt.</span></div><div class=\"ps20940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Kategorie werden vor allem Kredite an Kund:innen bzw. Kredite an Kreditinstitute zugeordnet. Dar\u00fcber hinaus werden </span></div><div class=\"ps20941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen aus Finanzierungsleasing, die gem\u00e4\u00df IFRS 16 bilanziert werden, sowie Wertpapiere, die die oben genannten </span></div><div class=\"ps20942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingungen erf\u00fcllen, unter dieser Bewertungskategorie ausgewiesen. Die Bewertung erfolgt zu fortgef\u00fchrten </span></div><div class=\"ps20943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten. Ein Unterschiedsbetrag zwischen Auszahlungsbetrag und Nennbetrag wird \u2013 sofern Zinscharakter vorliegt </span></div><div class=\"ps20944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u2013 effektivzinsgerecht abgegrenzt und im Zins\u00fcberschuss ausgewiesen. Die Berechnung des Zinsertrags erfolgt auf Basis des </span></div><div class=\"ps20945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bruttobuchwerts, solange der finanzielle Verm\u00f6genswert nicht wertgemindert ist. Sobald der finanzielle Verm\u00f6genswert </span></div><div class=\"ps20946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wertgemindert ist, erfolgt die Berechnung des Zinsertrags auf Basis des Nettobuchwerts. Die fortgef\u00fchrten <span class=\"f ps24\"> </span></span></div><div class=\"ps20947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten werden ferner um die Erfassung des erwarteten Verlusts unter Anwendung des Expected Loss Approach <span class=\"f ps24\"> </span></span></div><div class=\"ps20948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 9 angepasst, wie im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9) dargestellt. Die </span></div><div class=\"ps20949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Effektivzinsmethode ist eine Methode zur Berechnung der fortgef\u00fchrten Anschaffungskosten eines Finanzinstruments und der </span></div><div class=\"ps20950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zuordnung von Zinsaufwendungen und -ertr\u00e4gen zu den jeweiligen Perioden. Der Effektivzinssatz ist derjenige Zinssatz, mit </span></div><div class=\"ps20951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem die gesch\u00e4tzten k\u00fcnftigen Ein- und Auszahlungen (einschlie\u00dflich aller Geb\u00fchren, die Teil des Effektivzinssatzes sind, </span></div><div class=\"ps20952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionskosten und sonstiger Agios und Disagios) \u00fcber die erwartete Laufzeit des Finanzinstruments oder eine k\u00fcrzere </span></div><div class=\"ps20953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Periode, sofern zutreffend, auf den Nettobuchwert aus der erstmaligen Erfassung abgezinst werden.</span></div><div class=\"ps5603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Fremdkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn beide der </span></div><div class=\"ps5604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden Bedingungen erf\u00fcllt sind:<span class=\"f ps24\"> </span></span></div><div class=\"ps15710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert wird im Rahmen eines Gesch\u00e4ftsmodells gehalten, dessen Zielsetzung darin besteht, sowohl </span></div><div class=\"ps15712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vertragliche Cash-Flows zu vereinnahmen als auch finanzielle Verm\u00f6genswerte zu ver\u00e4u\u00dfern.</span></div><div class=\"ps21867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die vertraglichen Ausstattungsmerkmale des Verm\u00f6genswerts f\u00fchren an festgelegten Zeitpunkten zu Cash-Flows, <span class=\"f ps24\"> </span></span></div><div class=\"ps21868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen.</span></div><div class=\"ps21869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Kategorie werden vor allem Wertpapiere der Liquidit\u00e4tssteuerung zugeordnet.</span></div><div class=\"ps21870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bewertung erfolgt zum beizulegenden Zeitwert. Zinsertr\u00e4ge, Fremdw\u00e4hrungsgewinne und -verluste aus der Neubewertung </span></div><div class=\"ps21871 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie Wertminderungsaufwendungen oder Wertaufholungen werden in der Erfolgsrechnung erfasst und so berechnet wie bei </span></div><div class=\"ps21872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu fortgef\u00fchrten Anschaffungskosten bewerteten finanziellen Verm\u00f6genswerten. Die verbleibenden Fair-Value-\u00c4nderungen </span></div><div class=\"ps21873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im sonstigen Ergebnis erfasst. Bei Ausbuchung werden die im sonstigen Ergebnis erfassten kumulierten Nettogewinne </span></div><div class=\"ps21874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder -verluste aus den Fair-Value-\u00c4nderungen in die Erfolgsrechnung umgegliedert. Erl\u00e4uterungen zum angewandten </span></div><div class=\"ps21875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungsmodell finden sich im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9).</span></div><div class=\"ps21876 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Eigenkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn sich die RBI bei </span></div><div class=\"ps21877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ersterfassung unwiderruflich daf\u00fcr entscheidet, nachfolgende \u00c4nderungen des Fair Values im sonstigen Ergebnis (OCI) <span class=\"f ps24\"> </span></span></div><div class=\"ps21878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darzustellen. Diese Entscheidung wird f\u00fcr jede Anlage einzeln getroffen und betrifft im Wesentlichen strategische </span></div><div class=\"ps21879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen, die nicht vollkonsolidiert werden, sowie assoziierte Unternehmen, die nicht at-equity bewertet werden. Anders </span></div><div class=\"ps21880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als bei Schuldinstrumenten werden die im sonstigen Ergebnis (OCI) erfassten Gewinne und Verluste beim Verkauf nicht in die </span></div><div class=\"ps21881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung umgegliedert, und auch Wertminderungen werden nicht erfolgswirksam erfasst.</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein finanzieller Verm\u00f6genswert wird in der RBI verpflichtend zum Fair Value ausgewiesen, wenn der finanzielle Verm\u00f6genswert </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weder zu fortgef\u00fchrten Anschaffungskosten noch zum Fair Value Through Other Comprehensive Income bewertet wird, zudem </span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Handelsabsicht besteht und der Verm\u00f6genswert nicht freiwillig zum Fair Value designiert wurde. Im Wesentlichen handelt </span></div><div class=\"ps21810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sich hierbei um Wertpapiere und Kredite, die die \u00dcberpr\u00fcfung der vertraglichen Zahlungsstrombedingungen nicht erf\u00fcllen, </span></div><div class=\"ps21811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. Portfolios von finanziellen Verm\u00f6genswerten, die nicht Handelszwecken dienen, die anhand des Fair Values gesteuert und </span></div><div class=\"ps21812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach dessen Wertentwicklung beurteilt werden.</span></div><div class=\"ps22089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Kategorie umfasst im Wesentlichen jene finanziellen Verm\u00f6genswerte, die zum Zeitpunkt des erstmaligen Bilanzansatzes </span></div><div class=\"ps22090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflich als designiertes Finanzinstrument zum Fair Value gewidmet wurden (sog. Fair-Value-Option). Die Anwendung der </span></div><div class=\"ps22091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Option ist an die Voraussetzung gekn\u00fcpft, dass Inkongruenzen bei der Bewertung oder beim Ansatz beseitigt oder </span></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant verringert werden. Diese entstehen, wenn die Bewertung von finanziellen Verm\u00f6genswerten oder Verbindlichkeiten <span class=\"f ps24\"> </span></span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder die Erfassung von daraus resultierenden Gewinnen oder Verlusten auf unterschiedlicher Grundlage erfolgt. <span class=\"f ps24\"> </span></span></div><div class=\"ps22094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso werden finanzielle Verbindlichkeiten als Finanzinstrumente zum Fair Value designiert, um Bewertungsabweichungen </span></div><div class=\"ps22095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von den mit ihnen im Zusammenhang stehenden Derivaten zu vermeiden. Der Fair Value der unter Anwendung der Fair-Value-</span></div><div class=\"ps22096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Option in diese Kategorie klassifizierten finanziellen Verpflichtungen enth\u00e4lt s\u00e4mtliche Marktrisikofaktoren einschlie\u00dflich des </span></div><div class=\"ps22097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit diesen finanziellen Verpflichtungen in Verbindung stehenden Kreditrisikos des Emittenten. </span></div><div class=\"ps22098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den finanziellen Verpflichtungen geh\u00f6ren im Wesentlichen strukturierte Anleihen. Der Fair Value dieser finanziellen </span></div><div class=\"ps22099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen wird durch die Abzinsung der vertraglichen Cash-Flows mithilfe einer kreditrisikoadjustierten Zinsstrukturkurve </span></div><div class=\"ps22100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt, die das Niveau widerspiegelt, auf dem der Konzern \u00e4hnliche Finanzinstrumente zum Bilanzstichtag begeben w\u00fcrde. </span></div><div class=\"ps22101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Marktrisikoparameter werden anhand vergleichbarer Finanzinstrumente ermittelt. Bewertungsergebnisse f\u00fcr </span></div><div class=\"ps22102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die als Finanzinstrument zum Fair Value designiert wurden, werden im Handelsergebnis und Ergebnis aus </span></div><div class=\"ps22103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Bewertungen ausgewiesen. </span></div><div class=\"ps22104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse im Handelsergebnis und Ergebnis </span></div><div class=\"ps22105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen ausgewiesen. Bei finanziellen Verbindlichkeiten, die erfolgswirksam zum beizulegenden Zeitwert </span></div><div class=\"ps22106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designiert werden, sind \u00c4nderungen des Fair Values, die auf eine \u00c4nderung des eigenen Kreditrisikos zur\u00fcckzuf\u00fchren sind, nicht </span></div><div class=\"ps22107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Erfolgsrechnung, sondern im sonstigen Ergebnis ausgewiesen.</span></div><div class=\"ps22121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verm\u00f6genswerte und finanzielle Verbindlichkeiten \u2013 Held For Trading dienen der Nutzung von kurzfristigen </span></div><div class=\"ps22122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktpreisschwankungen. Die zu Handelszwecken dienenden Wertpapiere und derivativen Finanzinstrumente werden zum Fair </span></div><div class=\"ps22123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value bilanziert. F\u00fcr die Ermittlung des Fair Values werden bei b\u00f6rsennotierten Produkten die B\u00f6rsenkurse herangezogen. Sind <span class=\"f ps24\"> </span></span></div><div class=\"ps22124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Kurse nicht vorhanden, werden bei origin\u00e4ren Finanzinstrumenten und Termingesch\u00e4ften auf Basis von </span></div><div class=\"ps22125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnungen und bei Optionen anhand von geeigneten Optionspreismodellen interne Preise ermittelt. Der </span></div><div class=\"ps22126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnung wird eine Zinskurve zugrunde gelegt, die sich aus Geldmarkt-, Future- und Swaps\u00e4tzen zusammensetzt. </span></div><div class=\"ps22127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn positive Marktwerte bestehen, werden die Gesch\u00e4fte den finanziellen Verm\u00f6genswerten \u2013 Held For Trading zugeordnet, <span class=\"f ps24\"> </span></span></div><div class=\"ps22128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei negativen Marktwerten erfolgt ein Ausweis unter den finanziellen Verbindlichkeiten \u2013 Held For Trading. Die Wert\u00e4nderung </span></div><div class=\"ps22129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Marktwerts wird erfolgswirksam im Handelsergebnis dargestellt. Derivate, die Sicherungszwecken gem\u00e4\u00df IAS 39 dienen, </span></div><div class=\"ps22130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter dem Bilanzposten Hedge Accounting ausgewiesen. Au\u00dferdem sind etwaige Lieferverbindlichkeiten aus </span></div><div class=\"ps22131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapier-Leerverk\u00e4ufen in den finanziellen Verbindlichkeiten \u2013 Held For Trading dargestellt.</span></div><div class=\"ps22132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalgarantierte Produkte (Garantiefonds und Zukunftsvorsorge) werden als verkaufte Put-Optionen auf den jeweils zu </span></div><div class=\"ps22133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">garantierenden Fonds dargestellt. Der Konzern hat im Rahmen der staatlich gef\u00f6rderten pr\u00e4mienbeg\u00fcnstigten </span></div><div class=\"ps22134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zukunftsvorsorge gem. \u00a7 108h Abs 1 Z 3 EStG Kapitalgarantieverpflichtungen abgegeben. Dabei garantiert das Kreditinstitut, </span></div><div class=\"ps22135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass im Fall einer Verrentung der f\u00fcr die Verrentung zur Verf\u00fcgung stehende Auszahlungsbetrag nicht geringer ist als die </span></div><div class=\"ps22136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Summe der vom Steuerpflichtigen eingezahlten Betr\u00e4ge zuz\u00fcglich der f\u00fcr diesen Steuerpflichtigen gutgeschriebenen Pr\u00e4mien </span></div><div class=\"ps22137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Sinn des \u00a7 108g EStG. </span></div><div class=\"ps22138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse werden im Handelsergebnis und </span></div><div class=\"ps22139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen ausgewiesen.</span></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_820\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(31) Erwartete Kreditverluste<span id=\"i0ac5696eeaa542c39c86ba643e364632\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erwarteten Kreditverluste aus einem Finanzinstrument sind so zu bemessen, dass sie einen unverzerrten und </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlichkeitsgewichteten Betrag darstellen, der durch Auswertung einer Reihe verschiedener m\u00f6glicher Ergebnisse </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt wird, dem Zeitwert des Geldes und angemessenen und belastbaren Informationen entsprechen, die zum </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschlussstichtag ohne unangemessenen Kosten- oder Zeitaufwand \u00fcber vergangene Ereignisse, gegenw\u00e4rtige Bedingungen <span class=\"f ps24\"> </span></span></div><div class=\"ps902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Prognosen k\u00fcnftiger wirtschaftlicher Bedingungen verf\u00fcgbar sind. </span></div><div class=\"ps24488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Allgemeine Vorgehensweise<span id=\"i3ca92d1930064779a881dc62512116a8\"></span></span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bemessung der Wertminderungen f\u00fcr erwartete Kreditverluste finanzieller Verm\u00f6genswerte \u2013 Amortized Cost bzw. </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income ist die Anwendung von Modellen und </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognosen \u00fcber k\u00fcnftige wirtschaftliche Bedingungen und \u00fcber zuk\u00fcnftiges Zahlungsverhalten erforderlich. Bei der Berechnung </span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteter Kreditverluste sind Ermessensentscheidungen erforderlich, und zwar unter anderem bei der:</span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Festlegung der Kriterien f\u00fcr eine signifikante Erh\u00f6hung des Kreditrisikos</span></div><div class=\"ps4929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Auswahl geeigneter Modelle und Annahmen f\u00fcr die Berechnung erwarteter Kreditverluste</span></div><div class=\"ps24493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ber\u00fccksichtigung von Risiken, die von den Modellen nicht angemessen abgebildet werden</span></div><div class=\"ps15363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Bestimmung der Anzahl und relativen Gewichtung zukunftsorientierter Szenarien</span></div><div class=\"ps24494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zusammenfassung von Finanzinstrumenten anhand von gemeinsamen Ausfallrisikoeigenschaften in Gruppen mit </span></div><div class=\"ps24495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">dem Zweck der Berechnung erwarteter Kreditverluste.</span></div><div class=\"ps24496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisiko ist das Risiko, finanzielle Verluste zu erleiden, falls Kund:innen oder Kontrahent:innen den vertraglichen </span></div><div class=\"ps24497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen nicht oder nicht rechtzeitig nachkommen. Kreditrisiken ergeben sich haupts\u00e4chlich aus Interbanken-, <span class=\"f ps24\"> </span></span></div><div class=\"ps24498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenkunden- und Verbraucherkrediten sowie aus gew\u00e4hrten Kreditzusagen. Sie k\u00f6nnen ferner aus gegebenen </span></div><div class=\"ps24499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzgarantien, z. B. Kreditb\u00fcrgschaften, Akkreditiven und Akzepten, entstehen.</span></div><div class=\"ps24500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Kreditrisiken ergeben sich aus Veranlagungen in Schuldtiteln und aus Handelsaktivit\u00e4ten (Handelskreditrisiken), sowie </span></div><div class=\"ps24501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Verrechnungssalden mit Gegenparteien und aus Reverse-Repo-Gesch\u00e4ften. </span></div><div class=\"ps24502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle werden herangezogen, um die Eintrittswahrscheinlichkeit von Ausf\u00e4llen (PD), die damit verbundenen Verlustquoten </span></div><div class=\"ps24503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(LGD) und dem ausstehenden Betrag zum Zeitpunkt des Ausfalls (EAD) zu sch\u00e4tzen. Zus\u00e4tzlich zu bestehenden, historisch </span></div><div class=\"ps24504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">belastbar modellierten Risiken entstehen neue Risiken - wie zum Beispiel geopolitische Unsicherheiten, Risiken im </span></div><div class=\"ps24505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit der Energieversorgung sowie Umweltrisiken. Diese Risiken k\u00f6nnen aufgrund unzureichender historischer <span class=\"f ps24\"> </span></span></div><div class=\"ps24506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten nicht durch bestehende statistische Modelle erfasst werden. Um jedoch eine angemessene Risikovorsorge zu </span></div><div class=\"ps24507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten, werden diese Risiken \u00fcber Management Overlays in die ECL-Berechnung einbezogen. Sie lassen sich </span></div><div class=\"ps24508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenderma\u00dfen unterteilen: </span></div><div class=\"ps24509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Overlays: Hierbei handelt es sich um Anpassungen, die au\u00dferhalb des Modells vorgenommen werden, d. h. nach der </span></div><div class=\"ps24510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellanwendung. Post-Model-Adjustments (PMA) fallen in diese Kategorie. </span></div><div class=\"ps24511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">In-Model Adjustments: Hierbei handelt es sich um Anpassungen, die innerhalb des IFRS 9 Modells erfolgen. Dies </span></div><div class=\"ps24512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">umfasst die Anpassung von Modellinputs, Modellparametern oder Ad-hoc-Anpassungen des Modells und der </span></div><div class=\"ps24513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellkalibrierung (wobei die \u00c4nderung von Modellparametern wie LGD und PD durch die Einbeziehung </span></div><div class=\"ps24514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zukunftsgerichteter makro\u00f6konomischer Informationen nicht als Management Overlay gilt). </span></div><div class=\"ps24515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ESG-Faktoren sind in der ECL-Modellierung noch nicht explizit inkludiert. Sie flie\u00dfen jedoch \u00fcber Overlays in die Berechnung ein. </span></div><div class=\"ps24516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Signifikante Erh\u00f6hung des Kreditrisikos<span id=\"i20151d17f4eb4957b50e0c48db2e7c07\"></span></span></div><div class=\"ps24517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI sieht die Erh\u00f6hung des Kreditrisikos eines Finanzinstruments dann als signifikant an, wenn eines oder mehrere der </span></div><div class=\"ps24518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden quantitativen, qualitativen oder Backstop-Kriterien erf\u00fcllt sind: </span></div><div class=\"ps24519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Quantitative Kriterien<span id=\"i9c29486dd8044f918915448813775d9f\"></span></span></div><div class=\"ps24520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den Rating-Systemen der RBI werden die verf\u00fcgbaren quantitativen und qualitativen Informationen mit Relevanz f\u00fcr die </span></div><div class=\"ps24521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognose des Kreditrisikos zur PD verdichtet. Dieser Gr\u00f6\u00dfe liegen insbesondere eine statistisch fundierte Auswahl und </span></div><div class=\"ps24522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtung aller verf\u00fcgbaren Indikatoren zugrunde. Weiterhin flie\u00dfen in der gem\u00e4\u00df den IFRS-9-Anforderungen adjustierten PD </span></div><div class=\"ps24523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">neben historischen Informationen und dem aktuellen wirtschaftlichen Umfeld insbesondere auch zukunftsorientierte </span></div><div class=\"ps24524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen, wie z. B. die Prognose der Entwicklung der makro\u00f6konomischen Rahmenbedingungen, ein. Folgerichtig </span></div><div class=\"ps23766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verwendet die RBI die PD als Messgr\u00f6\u00dfe f\u00fcr die Beurteilung, ob sich das Kreditrisiko eines Finanzinstruments gegen\u00fcber dem </span></div><div class=\"ps24525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt signifikant erh\u00f6ht hat. Durch die Verankerung der \u00dcberpr\u00fcfung des relativen Transferkriteriums in den </span></div><div class=\"ps24526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konzernweit etablierten Verfahren und Prozessen des Kreditrisikomanagements wird eine zuverl\u00e4ssige und zeitnahe <span class=\"f ps24\"> </span></span></div><div class=\"ps24527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Identifikation signifikanter Risikoerh\u00f6hungen sichergestellt. Die \u00dcberpr\u00fcfung, ob am Berichtsstichtag eine signifikante Erh\u00f6hung </span></div><div class=\"ps24528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Ausfallrisikos gegen\u00fcber dem Zugangszeitpunkt des betreffenden Finanzinstruments vorliegt, erfolgt zum Berichtsstichtag </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">grunds\u00e4tzlich durch einen Vergleich der beobachteten Ausfallwahrscheinlichkeit \u00fcber die Restlaufzeit des Finanzinstruments </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Lifetime-PD) mit der im Zugangszeitpunkt erwarteten Lifetime-PD \u00fcber denselben Zeitraum. Aufgrund der unterschiedlichen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Natur der Produkte von Non-Retail- und Retail-Kund:innen unterscheiden sich die Methoden zur Bestimmung einer signifikanten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos geringf\u00fcgig. </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um die zwei Kurven f\u00fcr das Kreditrisiko von Non-Retail-Kund:innen vergleichbar zu machen, werden die PDs zu annualisierten </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">PDs reduziert. Ein relativer Anstieg der PD um mindestens 250 Prozent wird als signifikante Erh\u00f6hung des Kreditrisikos </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interpretiert. Bei l\u00e4ngeren Laufzeiten wird die Schwelle von 250 Prozent reduziert, um den Laufzeiteffekt zu ber\u00fccksichtigen. </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Retail-Forderungen werden die kumulierten Restlaufzeit-PDs verglichen. Dabei wird, bedingt auf das \u00dcberleben bis zum </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stichtag, die Logit-Differenz (i.e. Logit ist in der Statistik der nat\u00fcrliche Logarithmus einer Chance) zwischen der Lifetime-PD </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Stichtag und der Lifetime-PD zum urspr\u00fcnglichen Buchungszeitpunkt verglichen. Hierbei wird im Allgemeinen dann von </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem signifikanten Anstieg des Kreditrisikos ausgegangen, wenn ein relativer Anstieg der kumulierten Restlaufzeit-PD \u00fcber </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Schwellenwert liegt. Die Schwellenwerte werden getrennt f\u00fcr jedes Portfolio, das durch individuelle </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratingbasierte Lifetime-PD-Modelle abgedeckt wird, berechnet. Dabei werden die Schwellenwerte basierend auf historischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten als ein bestimmtes Quantil der Verteilung der oben genannten Logit-Differenzen auf das sich verschlechternde Portfolio <span class=\"f ps24\"> </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(gruppiert nach L\u00e4ndern und Produkten wie Hypothekarkredite, Kreditkarten und SME-Kredite) gesch\u00e4tzt. Das bedeutet in der </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regel eine vom Ausfallverhalten der verschiedenen Portfolios abh\u00e4ngige PD-Erh\u00f6hung zwischen 150 und 250 Prozent.</span></div><div class=\"ps24530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualitative Kriterien<span id=\"id9af93b40f6f4528999e37eb8eed006b\"></span></span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet f\u00fcr alle wesentlichen Portfolios zus\u00e4tzlich zu quantitativen Kriterien auch qualitative, um eine signifikante </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos eines Finanzinstruments festzustellen. </span></div><div class=\"ps3372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, Kreditinstitute und Projektfinanzierung findet ein Transfer in </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 2 statt, wenn den Kreditnehmer eines oder mehrere der folgenden Kriterien betreffen: </span></div><div class=\"ps24531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erkennung einer Verschlechterung der Kreditw\u00fcrdigkeit im Early-Warning-System</span></div><div class=\"ps24532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen von Vertragsbedingungen im Rahmen einer Forbearance-Ma\u00dfnahme</span></div><div class=\"ps24534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Externe Risikofaktoren mit einem potenziell signifikanten Einfluss auf die R\u00fcckzahlungsf\u00e4higkeit der </span><span class=\"f charStyle-9eccfdcb ps24533\">Kund:innen</span></div><div class=\"ps24535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, </span></div><div class=\"ps24537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitute und Projektfinanzierung durchgef\u00fchrt. </span></div><div class=\"ps24538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Retail-Portfolios wird ein Stage-2-Transfer auf Basis folgender qualitativer Kriterien durchgef\u00fchrt, das hei\u00dft, wenn der </span></div><div class=\"ps24539 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmer eines oder mehrere der folgenden Kriterien erf\u00fcllt: </span></div><div class=\"ps24540 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Forbearance Flag aktiv</span></div><div class=\"ps24541 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ausfall eines materiellen Exposures (&gt;20 Prozent vom Gesamtexposure) derselben Kund:innen auf einem anderen </span></div><div class=\"ps24542 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Produkt (PI Segment)</span></div><div class=\"ps24543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Holistic Approach \u2013 anwendbar f\u00fcr F\u00e4lle, in denen neue zukunftsorientierte Informationen f\u00fcr ein Segment oder einen </span></div><div class=\"ps24544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Teil des Portfolios verf\u00fcgbar werden und diese Informationen noch nicht im Ratingsystem erfasst sind. Bei </span></div><div class=\"ps24545 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Identifikation solcher F\u00e4lle bewertet das Management dieses Portfolio mit den \u00fcber die gesamte Laufzeit </span></div><div class=\"ps24546 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">erwarteten Kreditverlusten (als kollektive Bewertung).</span></div><div class=\"ps24547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Retail-Kundenportfolios durchgef\u00fchrt. </span></div><div class=\"ps24549 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Backstop Kriterien<span id=\"ieab3601c46a840f78ffd363ad323dbf9\"></span></span></div><div class=\"ps4911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Backstop wird angewendet und eine signifikante Erh\u00f6hung des Kreditrisikos eines Finanzinstruments angenommen, wenn </span></div><div class=\"ps4912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Zahlungen mehr als 30 Tage \u00fcberf\u00e4llig sind. In Ausnahmef\u00e4llen besteht die M\u00f6glichkeit die 30-Tage Regelung zu </span></div><div class=\"ps4913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">widerlegen, jedoch wird diese Ausnahme in der RBI nicht angewendet.</span></div><div class=\"ps24550 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausnahme f\u00fcr niedrige Ausfallrisiken<span id=\"i2046a82267a54d92b2626962b56209cd\"></span></span></div><div class=\"ps24551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In ausgew\u00e4hlten F\u00e4llen f\u00fcr staatliche Schuldverschreibungen macht die RBI von der Ausnahmeregelung f\u00fcr Finanzinstrumente </span></div><div class=\"ps24552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit geringem Kreditrisiko Gebrauch. All jene Wertpapiere, die als geringes Kreditrisiko eingestuft werden, haben ein Rating, das </span></div><div class=\"ps24553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mindestens einem Investment-Grade-Rating entspricht, d. h. mindestens Standard &amp; Poor's BBB-, Moody's Baa3 oder Fitch BBB-. </span></div><div class=\"ps24554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Kreditgesch\u00e4ft ist diese Ausnahmeregelung nicht anwendbar.</span></div><div class=\"ps24555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Definition der Begriffe Ausfall und wertgeminderte Verm\u00f6genswerte<span id=\"ic3b68ba2e1dd40379558ee16897782a0\"></span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Berechnung der erwarteten Kreditverluste gem\u00e4\u00df IFRS 9 verwendet die RBI dieselbe Ausfallsdefinition wie f\u00fcr die CRR-</span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenmittelrechnung. Das hei\u00dft eine ausgefallene Forderung ist auch in Stage 3. Der Ausfall wird anhand quantitativer und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">qualitativer Kriterien beurteilt. Als ausgefallen gilt ein Kredit, erstens wenn vertragliche Zahlungen mehr als 90 Tage \u00fcberf\u00e4llig </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Zweitens gilt ein Kredit als ausgefallen, wenn es zu erheblichen finanziellen Schwierigkeiten kommt und es <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwahrscheinlich ist, dass den Zahlungsverpflichtungen nachgekommen wird. Die Definition eines Ausfalls wurde in den </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnungen der erwarteten Kreditverluste der RBI zur Abbildung der Ausfallwahrscheinlichkeit (PD), des ausstehenden </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrags zum Zeitpunkt des Ausfalls (EAD) sowie der Verlustquote bei Ausfall (LGD) einheitlich angewendet. </span></div><div class=\"ps16059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erl\u00e4uterung der Input-Daten, Annahmen und Sch\u00e4tztechniken<span id=\"i7cd82382d6984fa192eea97210231401\"></span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust wird entweder auf der Basis einer Zw\u00f6lf-Monats-Betrachtung oder einer Betrachtung der \u00fcber die </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Restlaufzeit erwarteten Kreditverluste berechnet \u2013 je nachdem, ob seit dem erstmaligen Ansatz eine signifikante Erh\u00f6hung des <span class=\"f ps24\"> </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisikos eingetreten ist, oder ob ein Verm\u00f6genswert als wertgemindert angesehen wird. Zukunftsorientierte <span class=\"f ps24\"> </span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wirtschaftliche Informationen werden ebenfalls in die Bestimmung der PD, EAD und LGD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jener f\u00fcr die Gesamtlaufzeit einbezogen. Diese Annahmen unterscheiden sich je nach Produktart. Die erwarteten Kreditverluste </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind das diskontierte Produkt aus der Ausfallwahrscheinlichkeit (PD), der Verlustquote bei Ausfall (LGD), dem ausstehenden </span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag zum Zeitpunkt des Ausfalls (EAD) und dem Diskontierungsfaktor (Discount Factor, D). </span></div><div class=\"ps24556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausfallwahrscheinlichkeit (PD)<span id=\"i465ca4ed013b4867af80a8b6d695a750\"></span></span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit, mit der ein Kreditnehmer entweder innerhalb der n\u00e4chsten zw\u00f6lf </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monate oder in der gesamten Restlaufzeit seinen Zahlungsverpflichtungen nicht nachkommen kann. Im Allgemeinen wird die </span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeit \u00fcber die Laufzeit ausgehend von der regulatorischen Zw\u00f6lf-Monats-Ausfallwahrscheinlichkeit </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechnet, bereinigt um jegliche konservativen Anpassungen. Danach werden verschiedene statistische Methoden zur </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einsch\u00e4tzung der Entwicklung des Ausfallprofils vom Zeitpunkt des erstmaligen Ansatzes \u00fcber die Gesamtlaufzeit des Kredits </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder des Kreditportfolios angewendet. Das Ausfallsprofil beruht auf historischen beobachteten Daten.</span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung des Ausfallprofils ausstehender Kreditbetr\u00e4ge wurden verschiedene Modelle verwendet, die sich in die folgenden </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kategorien zusammenfassen lassen:</span></div><div class=\"ps24559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-525aaa30 ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen und Finanzinstitute: Das Ausfallprofil wird unter Verwendung eines </span></div><div class=\"ps24560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">parametrischen \u00dcberlebensregressionsansatzes (Burr-Typ 12 und Weibull) erstellt. Zukunftsorientierte Informationen </span></div><div class=\"ps24561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen. Die Kalibrierung der </span></div><div class=\"ps24562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallwahrscheinlichkeiten wird bereinigt f\u00fcr k\u00fcrzere Laufzeiten und fr\u00fchzeitige R\u00fcckzahlungen.</span></div><div class=\"ps24563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Das Ausfallprofil wird mithilfe einer parametrischen </span></div><div class=\"ps24564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">\u00dcberlebensregression in einem konkurrierenden Risikorahmen erstellt. Zukunftsorientierte Informationen werden </span></div><div class=\"ps24565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">unter Verwendung von Satellitenmodellen in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor, Kommunal- und Regionalregierungen, Versicherungen und Organismen f\u00fcr gemeinsame Anlagen </span></div><div class=\"ps24567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">in Wertpapieren (OGAW): Das Ausfallprofil wird mithilfe eines \u00dcbergangsmatrix-Ansatzes erstellt. Zukunftsorientierte </span></div><div class=\"ps24568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Informationen werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig verf\u00fcgbar sind, werden f\u00fcr die Berechnung die Techniken </span></div><div class=\"ps24570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Gruppierung, der Mittelung und des Benchmarkings der Input-Daten verwendet. </span></div><div class=\"ps24571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verlustquote bei Ausfall (LGD)<span id=\"i1e99888e28764a37b8b187e442df7dc8\"></span></span></div><div class=\"ps24572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verlustquote bei Ausfall entspricht der Erwartung der RBI bez\u00fcglich der Verlusth\u00f6he bei einem Forderungsausfall. Sie </span></div><div class=\"ps24573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden bei Ausfall als prozentualer Verlust pro Einheit des ausstehenden Betrags zum Zeitpunkt des Ausfalls ausgedr\u00fcckt. </span></div><div class=\"ps24574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verschiedene Modelle werden zur Sch\u00e4tzung der Verlustquote ausstehender Kreditforderungen verwendet. Sie lassen sich in </span></div><div class=\"ps24575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Kategorien zusammenfassen:</span></div><div class=\"ps24576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, Finanzinstitute, Kommunal- und Regionalregierungen, Versicherungen: Die </span></div><div class=\"ps24577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verlustquote bei Ausfall wird durch die Diskontierung von Cash-Flows berechnet, die w\u00e4hrend des Workout-</span></div><div class=\"ps24578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Prozesses eingetrieben werden. Zukunftsorientierte Informationen werden unter Verwendung eines Ein-Faktor-</span></div><div class=\"ps24579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modells in die Verlustquote bei Ausfall einbezogen. W\u00e4hrend Immobiliensicherheiten direkt bei der Reduktion des </span></div><div class=\"ps24580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ausstehenden Forderungswerts ber\u00fccksichtigt werden, haben andere Sicherheiten bereits bei der Modellierung im </span></div><div class=\"ps24581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">statistischen Mittelwert des LGD einen reduzierenden Effekt.</span></div><div class=\"ps24582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Die Verlustquote bei Ausfall wird berechnet, indem die regulatorische </span></div><div class=\"ps24583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote um Anpassungen f\u00fcr einen Konjunkturabschwung und andere konservative Abschl\u00e4ge bereinigt wird. </span></div><div class=\"ps24584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Zukunftsorientierte Informationen werden unter Verwendung von verschiedenen Satellitenmodellen in die </span></div><div class=\"ps24585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote einbezogen.</span></div><div class=\"ps24586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor: Die Ausfallquote wird mithilfe marktimpliziter Quellen ermittelt.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Je nach Art des Kreditunternehmens (Bank/Leasing) kommen unterschiedliche LGD-Sch\u00e4tzungen zum Einsatz. </span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur Verf\u00fcgung stehen, werden alternative Recovery-</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle, das Benchmarking von Input-Daten sowie die Fachmeinung von Experten f\u00fcr die Berechnung herangezogen.</span></div><div class=\"ps24588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausstehender Betrag zum Zeitpunkt des Ausfalls (EAD)<span id=\"ib6d46c78acf447c9bbcf66c9abe28027\"></span></span></div><div class=\"ps24589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der ausstehende Betrag zum Zeitpunkt des Ausfalls entspricht jenem Betrag, den die RBI zum Zeitpunkt des Ausfalls als </span></div><div class=\"ps24590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehend erwartet. Das EAD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und die Gesamtlaufzeit werden auf Grundlage des erwarteten </span></div><div class=\"ps13919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsprofils ermittelt, das sich je nach Vertrag unterscheidet. F\u00fcr amortisierende Produkte und f\u00fcr endf\u00e4llige Kredite beruht </span></div><div class=\"ps13920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses auf den vertraglichen R\u00fcckzahlungen, die der Kreditnehmer \u00fcber einen Zeitraum von zw\u00f6lf Monaten oder \u00fcber die </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtlaufzeit schuldet. Sofern nicht schon im Rahmen der PD-Sch\u00e4tzung \u00fcber die Kreditlaufzeit ber\u00fccksichtigt, werden </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen bez\u00fcglich vorzeitiger (vollst\u00e4ndiger) R\u00fcckzahlung oder Refinanzierung ebenfalls bei der Berechnung ber\u00fccksichtigt.</span></div><div class=\"ps24591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr revolvierende Produkte wird der ausstehende Betrag zum Zeitpunkt des Ausfalls so bestimmt, dass zum momentan </span></div><div class=\"ps24592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezogenen Betrag die erwartete Inanspruchnahme des verbleibenden Limits addiert wird. Dieser zus\u00e4tzliche Betrag ist das </span></div><div class=\"ps24593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Produkt aus dem verbleibenden Limit und dem Kreditkonversionsfaktor. Der Kreditkonversionsfaktor wird um die </span></div><div class=\"ps24594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorischen Sicherheitsmargen bereinigt. In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur </span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgung stehen, wird ein Benchmarking der Input-Daten f\u00fcr die Berechnung verwendet.</span></div><div class=\"ps24596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Diskontierungsfaktor (D)<span id=\"i78e949bab2ac459fa1f524fb8c26f3bf\"></span></span></div><div class=\"ps24597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr finanzielle Verm\u00f6genswerte und au\u00dferbilanzielle Verm\u00f6genswerte, bei denen es sich nicht um Leasing oder POCI handelt, </span></div><div class=\"ps24598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist der bei der Berechnung des erwarteten Kreditverlusts verwendete Diskontierungsfaktor aus dem Effektivzinssatz abgeleitet </span></div><div class=\"ps24599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder ein N\u00e4herungswert davon.</span></div><div class=\"ps24600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Berechnung<span id=\"i96b390bf8a8f46b3bced9e86e26c7818\"></span></span></div><div class=\"ps21076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust f\u00fcr Stage 1 und 2 ist das Produkt aus PD, LGD und EAD, multipliziert mit der Wahrscheinlichkeit, nicht </span></div><div class=\"ps21077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor dem betreffenden Zeitraum auszufallen. Letzteres wird durch die \u00dcberlebensfunktion S ausgedr\u00fcckt. Die dadurch </span></div><div class=\"ps21080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechneten zuk\u00fcnftigen Werte erwarteter Kreditverluste werden sodann auf den Berichtszeitpunkt diskontiert und summiert. </span></div><div class=\"ps21081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ergebnisse daraus werden schlie\u00dflich je nach zukunftsorientiertem Szenario gewichtet.</span></div><div class=\"ps24601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung der Wertminderungen f\u00fcr Stage 3 werden verschiedene Modelle verwendet, die sich in die folgenden Kategorien </span></div><div class=\"ps21083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammenfassen lassen:</span></div><div class=\"ps24602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, \u00f6ffentlicher Sektor, Finanzinstitute, Kommunal- und Regionalregierungen, </span></div><div class=\"ps24603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungen und Organismen f\u00fcr gemeinsame Anlagen in Wertpapieren: Die Wertminderung der Stage 3 wird von </span></div><div class=\"ps24604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Workout-Managern berechnet, die die erwarteten Cash-Flows mit dem geeigneten Effektivzinssatz diskontieren.</span></div><div class=\"ps24605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr Retail-Forderungen werden Wertminderungen der Stage 3 bei der Mehrheit der Konzerneinheiten durch die </span></div><div class=\"ps24606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Berechnung der statistisch abgeleiteten besten Sch\u00e4tzung des erwarteten Verlusts, bereinigt um indirekte Kosten, </span></div><div class=\"ps24607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ermittelt.</span></div><div class=\"ps24608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Gemeinsame Ausfallrisikoeigenschaften in Gruppen<span id=\"i367ddd3d5ec54550ab106c01c99166fd\"></span></span></div><div class=\"ps24609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Retail-Wertminderungen der Stage 1, Stage 2 und Stage 3 werden kollektiv bewertet. F\u00fcr die Non-Retail-Gesch\u00e4fte der </span></div><div class=\"ps24610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 3 werden die Wertminderungen einzeln bewertet. F\u00fcr die Bemessung der erwarteten Kreditverluste auf kollektiver Basis </span></div><div class=\"ps24611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird eine Gruppierung von Risikopositionen auf Grundlage gemeinsamer Kreditrisikomerkmale (im Sinn von </span></div><div class=\"ps24612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallrisikoeigenschaften) durchgef\u00fchrt, sodass die Risikopositionen innerhalb jeder Gruppe \u00e4hnlich sind. </span></div><div class=\"ps20385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Charakteristika von Retail-Krediten sind auf Ebene der L\u00e4nder, der Kundenklassifizierungen (Haushalte und Klein- und </span></div><div class=\"ps20386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mittelbetriebe), der Produkte (z. B. Hypotheken, pers\u00f6nliche Darlehen, Kontokorrentkredite oder Kreditkarten), der Rating-Stufen </span></div><div class=\"ps20387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die Ausfallwahrscheinlichkeit und der LGD-Pools zusammengefasst. Jede Kombination der aufgez\u00e4hlten Charakteristika </span></div><div class=\"ps24613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird als Gruppe mit einheitlichem erwartetem Verlustprofil betrachtet. </span></div><div class=\"ps24614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Non-Retail-Gesch\u00e4fte werden nach Rating-Stufen und Kundensegmenten einer Ausfallwahrscheinlichkeit zugeordnet. Dabei </span></div><div class=\"ps24615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden Kundentypen zu einzelnen Ratingmodellen zusammengefasst. F\u00fcr die Ermittlung der LGD- und EAD-Parameter wird das </span></div><div class=\"ps24616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio nach L\u00e4ndern gruppiert. </span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zukunftsorientierte Informationen<span id=\"i54759fc0145e4429af45db728217425d\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grunds\u00e4tzlich werden bei der IFRS-9-spezifischen Sch\u00e4tzung der Risikoparameter neben historischen Ausfallinformationen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere auch das aktuelle wirtschaftliche Umfeld sowie zukunftsorientierte Informationen ber\u00fccksichtigt. Insbesondere </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden dabei makro\u00f6konomische Prognosen der RBI regelm\u00e4\u00dfig im Hinblick auf ihre Auswirkungen auf die H\u00f6he des ECL </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gepr\u00fcft und in die ECL-Ermittlung einbezogen. </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der signifikanten Erh\u00f6hung des Kreditrisikos und die Berechnung der erwarteten Kreditverluste beziehen beide </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch zukunftsorientierte Informationen mit ein. Die RBI hat historische Analysen durchgef\u00fchrt und makro\u00f6konomische </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schl\u00fcsselfaktoren identifiziert, die sich auf das Kreditrisiko und die erwarteten Kreditverluste auswirken. </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese \u00f6konomischen Variablen und ihre Auswirkungen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterscheiden sich je nach Kategorie. Prognosen f\u00fcr diese \u00f6konomischen Variablen (das \u00f6konomische Basis-Szenario) werden </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">quartalsweise von Raiffeisen Research zur Verf\u00fcgung gestellt und vermitteln ein Best-Estimate-Bild der Volkswirtschaft in den </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">n\u00e4chsten drei Jahren. Jenseits von drei Jahren wird keine makro\u00f6konomische Anpassung durchgef\u00fchrt. Das hei\u00dft f\u00fcr den </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum \u00fcber diese drei Jahre hinaus wurde zur Prognose der \u00f6konomischen Variablen f\u00fcr die gesamte Restlaufzeit jedes </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instruments ein Mittelwertr\u00fcckkehr-Ansatz (Mean Reversion) verwendet. Demnach tendieren \u00f6konomische Variablen bis zur </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00e4lligkeit entweder zu einem langfristigen Durchschnittswert oder zu einer langfristigen Durchschnitts-Wachstumsrate. Die </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen dieser \u00f6konomischen Variablen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall wurden mithilfe </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">statistischer Regressionen bestimmt, um daraus die historischen Auswirkungen der \u00c4nderungen dieser Variablen auf die </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallraten und die Komponenten der Verlustquote bei Ausfall zum Zeitpunkt des Ausfalls zu erkennen. </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zum Basis-Szenario sch\u00e4tzt Raiffeisen Research auch ein optimistisches und ein pessimistisches Szenario, um </span></div><div class=\"ps16739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sicherzustellen, dass die Nichtlinearit\u00e4t des ECL in Abh\u00e4ngigkeit der Makro\u00f6konomie erfasst wird. </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die pessimistischen und optimistischen Szenarien wurde die Methodik aufgrund der diversen hohen Unsicherheiten </span></div><div class=\"ps16741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepasst. So wie alle \u00f6konomischen Vorhersagen unterliegen auch die hier beschriebenen Prognosen und </span></div><div class=\"ps16742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eintrittswahrscheinlichkeiten einer hohen inh\u00e4renten Unsicherheit. Die tats\u00e4chlichen Ergebnisse k\u00f6nnen somit erheblich von den </span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten abweichen. RBI sieht diese Prognosen jedoch als die bestm\u00f6gliche Sch\u00e4tzung der k\u00fcnftigen Ergebnisse an, die <span class=\"f ps24\"> </span></span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch allf\u00e4llige Nichtlinearit\u00e4ten und Asymmetrien in den verschiedenen Portfolios des Konzerns abdecken.</span></div><div class=\"ps24620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Nachstehend sind die wichtigsten makro\u00f6konomischen Annahmen der wesentlichsten L\u00e4nder, die f\u00fcr Sch\u00e4tzungen der </span></span></div><div class=\"ps24622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Kreditverluste zum Ende des Jahres verwendet wurden, angegeb</span></span><span class=\"f charStyle-9eccfdcb ps24621\">en. (Quelle: Raiffeisen Research, November 2025, </span></div><div class=\"ps24623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">exklusive Ukraine).</span></div><div class=\"ps24757 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24626\">Arbeitslosigkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">6,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17131\"></span><span class=\"ps17131\">-0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19532\"></span><span class=\"ps19532\">-1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23812\"></span><span class=\"ps23812\">-0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">8,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">9,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17702\"></span><span class=\"ps17702\">-0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps23265\">Langfristiger Anleihenzinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24759\">Immobilienpreise<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17780\"></span><span class=\"ps17780\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24760\"></span><span class=\"ps24760\">0,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18777\"></span><span class=\"ps18777\">11,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">9,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">9,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17766\"></span><span class=\"ps17766\">22,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15649\"></span><span class=\"ps15649\">12,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12560\"></span><span class=\"ps12560\">10,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">13,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">13,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24761\"></span><span class=\"ps24761\">11,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10683\"></span><span class=\"ps10683\">11,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">9,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">9,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24762\"></span><span class=\"ps24762\">12,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">8,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">7,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24765 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps20713\">Verbraucherpreisindex<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22283\"></span><span class=\"ps22283\">12,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23322\"></span><span class=\"ps23322\">13,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">8,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7310\"></span><span class=\"ps7310\">14,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21660\"></span><span class=\"ps21660\">10,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">6,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24764\"></span><span class=\"ps24764\">10,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufgrund des andauernden Krieges wurde f\u00fcr die Ukraine das optimistische Szenario nicht miteinbezogen. Des weiteren basiert </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das pessimistische Szenario nicht auf dem mathematischen Ansatz, der von Raiffeisen Research ver\u00f6ffentlicht wird, sondern </span></span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf einer narrativen Darstellung und wird mit 50 Prozent gewichtet. </span></span><span class=\"f charStyle-9eccfdcb ps24767\">Da f\u00fcr die Ukraine historische Daten nicht repr\u00e4sentativ </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind beziehungsweise aufgrund der aktuellen Umst\u00e4nde teilweise nicht zur Verf\u00fcgung stehen, wurden in die ukrainische ECL-</span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung ein abgeleitetes reales BIP und ein abgeleiteter kurzfristiger Zinssatz als makro\u00f6konomische Inputparameter </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einbezogen.</span></div><div class=\"ps24768 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12387\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19508\"></span><span class=\"ps19508\">13,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17913\"></span><span class=\"ps17913\">-14,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17532\"></span><span class=\"ps17532\">-8,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps458\"></span><span class=\"ps458\">-3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19510\"></span><span class=\"ps19510\">22,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">18,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7260\"></span><span class=\"ps7260\">17,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Modellentwicklung wurde eine Vielzahl makro\u00f6konomischer Variablen analysiert und die wesentlichen wurden f\u00fcr das </span></div><div class=\"ps24770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modell herangezogen. Das verwendete Modell ist ein Regressionsmodell mit dem Ziel, Ver\u00e4nderungen bzw. die H\u00f6he der </span></div><div class=\"ps24771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallquote zu erkl\u00e4ren. Die folgenden Arten von Makrovariablen wurden als Treiber des Kreditzyklus betrachtet: Reales BIP-</span></div><div class=\"ps24772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wachstum, Arbeitslosenquote, 3-Monats-Geldmarktzins, Rendite 10-j\u00e4hriger Staatsanleihen, der Renditespread 10-j\u00e4hriger </span></div><div class=\"ps24773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Staatsanleihen gegen\u00fcber Deutschland, Hauspreisindex, Wechselkurse und Verbraucherpreisindex. F\u00fcr jedes Land (oder jedes </span></div><div class=\"ps24774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio im Fall von Retail-Exposures) werden spezifische Regeln zur Erkl\u00e4rung historisch beobachteter Ausfallraten bestimmt. </span></div><div class=\"ps24775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrend des Kreditzyklus werden PDs mit den Ergebnissen des makro\u00f6konomischen Modells \u00fcberlagert, um den aktuellen und </span></div><div class=\"ps24776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Zustand der Wirtschaft widerzuspiegeln. F\u00fcr Firmenkunden wird zus\u00e4tzlich je nach Industrie der Zustand im </span></div><div class=\"ps24777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzyklus ber\u00fccksichtigt. W\u00e4hrend f\u00fcr Firmenkunden in Industrien mit neutralem Ausblick keine weitere Anpassung der </span></div><div class=\"ps24778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makromodelle vorgenommen wird, wird f\u00fcr Firmenkunden in Industrien mit schlechtem Ausblick das erwartete Kreditrisiko als </span></div><div class=\"ps24779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich erh\u00f6ht angenommen. F\u00fcr Non-Retail-Exposures wird f\u00fcr die LGD das Makromodell auf die zugrunde liegenden </span></div><div class=\"ps24780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesundungsraten angewendet, d. h. ein positiver makro\u00f6konomischer Ausblick treibt die Gesundungsraten in die H\u00f6he und dies </span></div><div class=\"ps24781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">reduziert die LGD. F\u00fcr Retail-Exposures wird die Workout-LGD in \u00e4hnlicher Weise wie die Ausfallraten entweder direkt oder </span></div><div class=\"ps13688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich \u00fcber die Komponenten wie Gesundungsraten, Verlust bei Gesundung sowie Verlust bei Nichtgesundung modelliert. </span></div><div class=\"ps24782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die langfristigen durchschnittlichen LGDs werden mit den Ergebnissen der Makromodelle \u00fcberlagert, um die aktuelle und </span></div><div class=\"ps24783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Wirtschaftslage widerzuspiegeln. Den einzelnen Szenarien wurden zum Ende des Berichtsjahres folgende </span></div><div class=\"ps24784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtungen zugeteilt: optimistisches Szenario 25 Prozent, Basis-Szenario 50 Prozent, pessimistisches Szenario 25 Prozent. </span></div><div class=\"ps24785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden sind folgende auf aktuelle wirtschaftliche und politische Entwicklungen zur\u00fcckzuf\u00fchrende Risiken und </span></span></div><div class=\"ps24786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplikationen in den makro\u00f6konomischen Modellen ber\u00fccksichtigt. Historisch hohe Inflationsraten in Kombination mit </span></span></div><div class=\"ps24787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6heren Leitzinsen f\u00fchrten zu einem Anstieg der Finanzierungskosten von Firmen. Diese Entwicklung wird in den Modellen </span></span></div><div class=\"ps24788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">wichtiger Portfoliosegmente mit der Ver\u00e4nderung des 3-Monate-Geldmarktzinses sowie der Rendite von Staatsanleihen </span></span></div><div class=\"ps24789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfasst, die zu einem Anstieg des prognostizierten Ausfallsrisikos f\u00fchrt. Zwar k\u00f6nnen hohe Inflationsraten in bivariaten Analysen </span></span></div><div class=\"ps24790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit h\u00f6herem Ausfallsrisiko assoziiert sein, die zugrunde liegenden Mechanismen sind aber die von Inflation verursachten </span></span></div><div class=\"ps24791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zinserh\u00f6hungen sowie ein oft gleichzeitig auftretendes tendenziell niedrigeres Wirtschaftswachstum. Diese Mechanismen sind </span></span></div><div class=\"ps24792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den Modellen \u00fcber reales Wirtschaftswachstum und Zinsver\u00e4nderungen direkt abgedeckt. Aus makro\u00f6konomischer Sicht </span></span></div><div class=\"ps24793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">waren die COVID-Pandemie und ihre Folgen von extremer Volatilit\u00e4t gepr\u00e4gt, mit starken Reduktionen des realen BIP und </span></span></div><div class=\"ps24794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anschlie\u00dfend ebenso starkem Wirtschaftswachstum. Im Gegensatz zu vergleichbaren Rezessionen nach der Finanzkrise sind </span></span></div><div class=\"ps24795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diese Entwicklungen nicht mit einer Welle von Insolvenzen und Kreditausf\u00e4llen einhergegangen. Das ist auf zwei Ursachen </span></span></div><div class=\"ps24796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zur\u00fcckzuf\u00fchren. Zum einen war die COVID-bedingte Rezession in erster Linie ein tempor\u00e4res Aussetzen wirtschaftlicher </span></span></div><div class=\"ps24797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aktivit\u00e4t, das wenige strukturelle Anpassungen erfordert hatte. Zum anderen kam es zu massiven unterst\u00fctzenden politischen </span></span></div><div class=\"ps24798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um einen permanenten Effekt (Arbeitslosigkeit, Insolvenz) zu vermeiden. Diese Entwicklungen zeigen, dass der </span></span></div><div class=\"ps24799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zusammenhang zwischen makro\u00f6konomischen Indikatoren und Kreditrisiko von Umst\u00e4nden beeinflusst wird, die quantitativ </span></span></div><div class=\"ps24800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">schwer erfassbar sind. Um zu vermeiden, dass die makro\u00f6konomischen Modelle implizit davon ausgehen, dass ein starker </span></span></div><div class=\"ps15732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">R\u00fcckgang des BIP-Wachstums immer mit massiven staatlichen Gegenma\u00dfnahmen einhergeht - wie es w\u00e4hrend der COVID-19-</span></span></div><div class=\"ps24801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Pandemie beobachtet wurde -, wurden zus\u00e4tzliche Parameter in die Modelle integriert. Diese Anpassungen werden gezielt auf </span></span></div><div class=\"ps24802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Segmente angewendet, in denen w\u00e4hrend der COVID-Phase kein signifikanter Anstieg des Ausfallrisikos zu verzeichnen war. </span></span></div><div class=\"ps24803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dadurch wird sichergestellt, dass die Prognosen des Modells pr\u00e4zise und unverzerrt bleiben.</span></span></div><div class=\"ps24804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundannahme der Anwendung makro\u00f6konomischer Kreditrisikomodelle ist, dass empirische Zusammenh\u00e4nge zwischen </span></div><div class=\"ps24805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">makro\u00f6konomischen Indikatoren und Ausfallrisiko auf zuk\u00fcnftige Ereignisse extrapoliert werden k\u00f6nnen.</span></div><div class=\"ps24806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Management Overlays <span id=\"ia5c4b0d62c1f4d22b061148d7ba6285e\"></span></span></div><div class=\"ps24807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In Situationen, in denen die bestehenden Input-Parameter, Annahmen und Modellierungen nicht alle relevanten neuartigen </span></span></div><div class=\"ps24808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikofaktoren abdecken, stellen Management Overlays eine praktikable L\u00f6sung dar, um eine angemessene Risikovorsorge trotz </span></span></div><div class=\"ps24810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">unzureichender historischer Daten sicherzustellen. </span></span><span class=\"f charStyle-9eccfdcb ps24809\">Dies ist grunds\u00e4tzlich dann der Fall, wenn vor\u00fcbergehende Umst\u00e4nde, </span></div><div class=\"ps24811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zeitliche Engp\u00e4sse, um relevante neue Informationen angemessen in das Rating einzubeziehen, vorliegen und wenn sich </span></div><div class=\"ps24812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelne Kredite innerhalb eines Kreditportfolios anders als urspr\u00fcnglich erwartet entwickeln. Durch die gegebene Situation, </span></div><div class=\"ps24813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere dem Krieg in der Ukraine, und der daraus resultierenden wirtschaftlichen Verwerfungen ist es notwendig, </span></div><div class=\"ps24814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risiken in den Wertminderungen abzubilden. All diese Anpassungen werden lokal von den Tochterunternehmen </span></div><div class=\"ps24815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlossen und zentral durch das Group Risk Committee (GRC) freigegeben. Es kommt zu portfoliospezifischen Anpassungen </span></div><div class=\"ps24816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Kriegs und der damit einhergehenden Sanktionen, die in der Kategorie geopolitisches Risiko dargestellt werden. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ihre Anwendungsdauer ist zeitlich begrenzt, oft f\u00fcr die Dauer spezifischer wirtschaftlicher Krisen oder bis Modelle angepasst </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Ihre Anwendung wird quartalsweise gepr\u00fcft. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr die zentralen Modelle im Bereich der Firmenkunden wird das zus\u00e4tzliche Risiko durch die Anwendung von In-Model </span></span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments (Parameteranpassungen innerhalb des Modells) ber\u00fccksichtigt. Diese Anpassungen k\u00f6nnen an verschiedenen </span></span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellparametern vorgenommen werden, wie z. B. den IFRS 9 PD-Kurven, k\u00fcnftigen Exposure-Profilen, der LGD etc. Die </span></span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bestimmungen f\u00fcr die Anwendung von In-Model Adjustments sind klar geregelt und umfassen unter anderem, erweiterte </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anforderungen an den Nachweis des neuartigen Risikofaktors, eine Analyse potenzieller \u00dcberschneidungen mit bestehenden </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">IFRS 9-Parametern und dem Kreditrisiko-Rating, eine detaillierte Dokumentation und eine starke Governance. Falls das In-Model </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment die angewandte PD erh\u00f6ht, wird dieser h\u00f6here Wert auch f\u00fcr die Staging-Entscheidung herangezogen. Die </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellanpassungen unterliegen regelm\u00e4\u00dfigen \u00dcberpr\u00fcfungen, mindestens jedoch auf viertelj\u00e4hrlicher Basis. Ein In-Model </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment bleibt so lange in Kraft, wie der identifizierte neuartige Risikofaktor fortbesteht und durch die bestehenden Modelle </span></span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht vollst\u00e4ndig abgebildet wird. </span></span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Im Retail Segment wurden ebenfalls In-Model Adjustments implementiert, sofern diese als geeignet angesehen wurden </span></span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dennoch blieben Post-Model Adjustments der vorherrschende Ansatz zur Adressierung neu auftretender Risiken. Diese Overlays </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden zus\u00e4tzlich zu den bestehenden Modellen angewandt, um die erwarteten Kreditverluste zu berechnen. Obwohl Post-</span></span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Model Adjustments als tempor\u00e4re Ma\u00dfnahmen betrachtet werden - mit einer \u00fcblichen G\u00fcltigkeit von ein bis zwei Jahren -, </span></span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dienen sie als Schutzma\u00dfnahme gegen potenzielle Verzerrungen. Sofern die identifizierten Risiken \u00fcber einen l\u00e4ngeren Horizont </span></span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">fortbestehen, werden sie durch Modellaktualisierungen oder Anpassungen der Modell-Inputs (einschlie\u00dflich In-Model </span></span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments) adressiert. Damit wird sichergestellt, dass die Modelle das sich entwickelnde Risikoprofil angemessen erfassen. </span></span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Overlays sind in nachfolgender Tabelle nach den relevanten Kategorien dargestellt. </span></div><div class=\"ps24864 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1368\"><div><div class=\"ps5730 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss185\"><div><div class=\"ps18991 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps9380\">Non-Retail Overlays</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps21353\">Retail Overlays</span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss1370\"><div><div class=\"ps18991 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2997 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24819 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24820 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24821 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24822 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24823 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24824 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24825 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24826 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24827 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps2768\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24828 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24829 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17895\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24830 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24831 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24832 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24206\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20227\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24833 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24834 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24835 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24836 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24837 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24233\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21345\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24838 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24839 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24840 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24841 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24842 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19921\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24843\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24844 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1085\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24845 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19689\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24847 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24846\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24848 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19286\">524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24255 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24850 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24851 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24852 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps23786\">79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24853 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17760\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24854 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20866\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5434 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24856 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps24855\">563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24858 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24857\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24859 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24860 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21541\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps15125\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24863 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24862\">976<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24901 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps24865\">Sonstige Risikofaktoren<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps17584\">Post-Model-Adjustments<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14916 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24866 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24867 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24868 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14924 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24869 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24870 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22999\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14936 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24872 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24873 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24874 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20563\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21402\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24876 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24877 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24878 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24879 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24244\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10755\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22299 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24882 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24883 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20390\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10638\">195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24886\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24887 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24889 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24888\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24890 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1506 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20214\">559<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19410\">248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24892 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24893\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24895 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17759\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1518 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19280\">350<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24896 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps20518\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22319 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24897 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps505\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24899 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17727\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1531 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24900\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zus\u00e4tzlich zu dem modellierten ECL (vor In-Model Adjustments) wurden Overlays in Stage 1 und Stage 2 in H\u00f6he von \u20ac 413 </span></span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Millionen (Vorjahr: \u20ac 467 Millionen) ber\u00fccksichtigt. Davon entfielen \u20ac 89 Millionen (Vorjahr: \u20ac 196 Millionen) auf die Auswirkungen </span></span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Krieges in der Ukraine und \u20ac\u00a0324 Millionen (Vorjahr: \u20ac 270 Millionen) auf makro\u00f6konomische Risiken (Spill-Over-Effekte und </span></span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sonstige). </span></span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den Spill-Over Effekten wurde ein Betrag in H\u00f6he von \u20ac 18 Millionen (Vorjahr: \u20ac 15 Millionen) aufgrund von Klimarisiken </span></span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebucht. Davon betreffen \u20ac 14 Millionen (Vorjahr: \u20ac 9 Millionen) Firmenkunden und \u20ac 4 Millionen (Vorjahr: \u20ac 6 Millionen) Retail-</span></span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kunden.</span></span></div><div class=\"ps24909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Non-Retail Overlays</span><span id=\"ibe6b2692710444a8af153e53f58a496e\"></span></span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden wurden zus\u00e4tzliche Wertminderungen in H\u00f6he von \u20ac 235 Millionen (Vorjahr: \u20ac 169 Millionen) f\u00fcr </span></span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">makro\u00f6konomische Effekte gebildet. Sie bilden Risiken ab, die \u00fcber die l\u00e4nderspezifische Branchenmatrix hinausgehen. Unter </span></span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diesen subsumieren sich sowohl globale wirtschaftspolitische Risiken wie zum Beispiel Z\u00f6lle und Gegenz\u00f6lle, als auch erwartete </span></span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Herabstufungen von Unternehmen z. B. aufgrund h\u00f6herer Energiepreise, einer erh\u00f6hten Inflation, von Engp\u00e4ssen in Lieferketten </span></span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie geringerer Ums\u00e4tze und h\u00f6herer Kosten als Folge erh\u00f6hter Energiepreise, insbesondere aus Vorjahren. </span></span></div><div class=\"ps24915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der Ukraine wurden f\u00fcr die Auswirkungen des Krieges \u20ac 81 Millionen (Vorjahr: \u20ac 83 Millionen) zus\u00e4tzlich in Form von </span></span></div><div class=\"ps24916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Management Overlays vorgesorgt. Diese zus\u00e4tzlich gebildeten Vorsorgen ergaben sich aus der Modellierung einer anhaltenden </span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zerst\u00f6rung der Infrastru</span></span><span class=\"f charStyle-9eccfdcb ps24917\">ktur sowie durch die fortgesetzte Bombardierung der betroffenen Gebiete. Im Vorjahr wurden diese </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken zusammen mit den EU- und US Sanktionsrisiken gegen\u00fcber russischen Kunden als geopolitische Risiken dargestellt und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrugen f\u00fcr Russland und die Ukraine insgesamt \u20ac 205 Millionen. Die Overlays f\u00fcr EU- und US Sanktionsrisiken gegen\u00fcber </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgew\u00e4hlten russischen Kunden wurden im Gesch\u00e4ftsjahr aufgrund der vollst\u00e4ndigen R\u00fcckzahlung der betroffenen Obligos </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur G\u00e4nze aufgel\u00f6st.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um Klima- und Umweltrisiken zu ber\u00fccksichtigen wurde f\u00fcr Firmen</span><span class=\"f charStyle-26fbf26f ps24918\"><span style=\"background-color:inherit\">kunden die M\u00f6glichkeit eines kurzfristigen </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">au\u00dferplanm\u00e4\u00dfigen Szenarios in Betracht gezogen, in dem CO</span></span><span class=\"f charStyle-c12972e2 ps24919\"><span style=\"background-color:inherit\">2</span></span><span class=\"f charStyle-26fbf26f ps24920\"><span style=\"background-color:inherit\"> Emissionen teurer werden und die Preise f\u00fcr fossile Energietr\u00e4ger </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6her sind. Bei einem diversifizierten Portfolio, wie dem der RBI, gleichen sich die Auswirkungen zwar weitgehend aus, in einigen </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sektoren besteht jedoch ein erh\u00f6htes Risiko. Dabei handelt es sich um Sektoren mit Kund:innen, die ein niedriges Umwelt Score </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den ESG Scoring Modellen aufweisen, wie z. B. die \u00d6l- und Gasindustrie und das Baugewerbe. H\u00f6here </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeiten in diesen Sektoren f\u00fchren zu einem Anstieg der erwarteten Kreditverluste.</span></span></div><div class=\"ps24921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Retail Overlays</span><span id=\"i6c5cf41c2c2e473eba3412c156475163\"></span></span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">W\u00e4hrend des letzten Jahres waren die Retail-Kund:innen einem zunehmenden Inflationsdruck ausgesetzt, der ihre F\u00e4higkeit zur </span></span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Deckung ihrer Kreditverpflichtungen beeintr\u00e4chtigt hatte. Als Teil der IFRS-9-Regelungen gibt es sowohl auf L\u00e4nder- als auch </span></span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf Produktebene, PD- und LGD-Modelle, die der Notwendigkeit dienen, diese hohen Risiken, die sich aus dem makro\u00f6ko-</span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nomischen Umfeld ergeben, zu adressieren. F\u00fcr bestimmte L\u00e4nder und Portfolios, bei denen die makro\u00f6konomischen Modelle </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">den wichtigsten makro\u00f6konomischen Variablen (Inflation, Zinss\u00e4tze, Arbeitslosigkeit usw.) entweder hinterherhinken oder die </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht Teil des Modells sind, werden f\u00fcr bestimmte Kundengruppen mit hohem Risiko zus\u00e4tzliche Post-Model-Adjustments </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebildet. Diese beinhalten eine qualitative Beurteilung der Kreditobligos im Hinblick auf einen signifikanten Anstieg des </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisikos und ihre \u00dcbertragung von Stage 1 auf Stage 2, sowie in bestimmten F\u00e4llen eine Erh\u00f6hung der PD- und/oder LGD-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sch\u00e4tzungen. Die Kriterien f\u00fcr die Identifizierung solcher Kreditobligos basieren auf Informationen des Kreditantrags sowie des </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">historischen Zahlungsverhaltens und werden in weiterer Folge durch gestresste makro\u00f6konomische Variablen verfeinert. Die </span></span></div><div class=\"ps24922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufl\u00f6sung der Post-Model-Adjustments erfolgt entweder nach Materialisierung der Risiken durch Transfer der betroffenen </span></span></div><div class=\"ps24923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Forderungen nach Stage 3 oder dem Nichteintritt der erwarteten Risiken.</span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr das ukrainische Retail-Kundenportfolio, das seit Kriegsbeginn gr\u00f6\u00dftenteils in Stage 2 verschoben wurde, basiert die Bildung </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Wertminderungen auf dem Urteil lokaler Experten, welches aus dem regelm\u00e4\u00dfigen Kontakt mit den einzelnen Kund:innen </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durch die Inkassoabteilung gewonnen wird. Des Weiteren finden strukturierte Kundengespr\u00e4che statt, um \u00fcber die Bed\u00fcrfnisse </span></span></div><div class=\"ps24924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und potenzielle Probleme, die die R\u00fcckzahlungsf\u00e4higkeit der Kund:innen beeinflussen k\u00f6nnten, auf dem Laufenden zu bleiben. </span></span></div><div class=\"ps24925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Verm\u00f6genswerte und Kund:innen aus besetzten Regionen oder Gebieten, welche einem hohen Risiko von Feindseligkeiten </span></span></div><div class=\"ps24926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">oder Besetzungen ausgesetzt sind, wurden die Risikoparameter weiter nach oben angepasst, um die erwarteten k\u00fcnftigen </span></span></div><div class=\"ps24927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Verluste auf der Grundlage der oben angef\u00fchrten Erhebungen zu ber\u00fccksichtigen.</span></span></div><div class=\"ps24928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ie784ee2bfddd45da8e6737dcbdc77932\"></span></span></div><div class=\"ps24929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um eine Bandbreite f\u00fcr potenzielle Sch\u00e4tzungs\u00e4nderungen und daraus ge\u00e4nderte Wertminderungen zu simulieren, wurden </span></div><div class=\"ps24930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Sensitivit\u00e4tsanalysen der wichtigsten Annahmen, die sich auf die erwarteten Wertminderungen auswirken, wie folgt </span></div><div class=\"ps24931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchgef\u00fchrt.</span></div><div class=\"ps24932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse wurde durchgef\u00fchrt, indem die Wertminderungen f\u00fcr erwartete Kreditverluste in den vorhandenen </span></div><div class=\"ps24933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modellen neu berechnet wurden. Die Risikofaktoren und Post-Model-Adjustments sind, bis auf die Stage-1-Simulationen, in allen </span></div><div class=\"ps24934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien in vollem Umfang inkludiert und unterliegen keinen weiteren Anpassungen. Aufgrund der Komplexit\u00e4t des Modells </span></div><div class=\"ps24935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schlie\u00dfen sich viele Treiber nicht gegenseitig aus. </span></div><div class=\"ps24936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle zeigt einen Vergleich zwischen den ausgewiesenen kumulierten Wertminderungen f\u00fcr erwartete <span class=\"f ps24\"> </span></span></div><div class=\"ps24937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 1 und Stage 2 (gewichtet mit 25 Prozent optimistischen, 50 Prozent Basis </span></div><div class=\"ps24938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 25 Prozent pessimistischen Szenarien) und den jeweils mit 100 Prozent gewichteten Szenarien. Optimistisches und </span></div><div class=\"ps24939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistisches Szenario stellen keine Extremf\u00e4lle aus dem Ergebnisraum der 25 Prozent optimistischsten und </span></div><div class=\"ps24940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistischsten Szenarien dar, sondern einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. Das bedeutet, dass sich diese </span></div><div class=\"ps24941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien auf der Verteilungskurve um circa 25 Prozent respektive 75 Prozent befinden. Grunds\u00e4tzlich werden bei den IFRS-9-</span></div><div class=\"ps24942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifischen Sch\u00e4tzungen der Risikoparameter neben historischen Ausfallinformationen sowie das aktuelle wirtschaftliche </span></div><div class=\"ps24943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umfeld ber\u00fccksichtigt. Die Auswirkungen der Sch\u00e4tzungen aufgrund von makro\u00f6konomischen Prognosen werden in der </span></div><div class=\"ps24944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunftsbezogenen Komponente dargestellt. Die Informationen dienen der Veranschaulichung.</span></div><div class=\"ps24973 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24951\">904<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24955\">-90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24957\">954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24960\">-39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24962\">1.080<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24965\">87<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24967\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24969\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24971\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24975\">972<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24977\">-61<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24978\">1.056<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24979\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24980\">1.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24981\">135<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24982\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24983\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24984\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Insgesamt sind die makro\u00f6konomischen Szenarien im Moment besser als der langj\u00e4hrige Durchschnitt, was zu einer Reduktion </span></span></div><div class=\"ps24986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der zukunftsbezogenen Komponente um \u20ac 18 Millionen f\u00fchrt.</span></span></div><div class=\"ps24987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das positive Szenario, welches in der unten folgenden Tabelle dargestellt wird, folgt der Pr\u00e4misse, dass alle Forderungen als </span></div><div class=\"ps24988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 1 klassifiziert werden und alle makro\u00f6konomischen und geopolitischen Risiken nicht relevant sind.</span></div><div class=\"ps24989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anbei werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle Verm\u00f6genswerte unter </span></div><div class=\"ps24990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der erwarteten Zw\u00f6lf-Monats-Verluste bewertet </span></div><div class=\"ps24991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden (Stage 1), ausgewiesen.</span></div><div class=\"ps25006 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:264.75pt\"></td><td style=\"padding:0;width:88.5pt\"></td><td style=\"padding:0;width:88.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24993 ss793\"><div><div class=\"ps3137 ss787\"><span class=\"f charStyle-1dbd4d87 ps24992\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24995 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24994\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15644 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24996\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24998 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps24997\">514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15646 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps24999\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25001 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25000\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15650 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25002\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2 aufgrund von Staging<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25004 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25003\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15652 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25005\">490<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung des Negativ-Szenarios geht davon aus, dass alle Forderungen als Stufe 2 eingestuft werden. Folglich werden </span></div><div class=\"ps25008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">alle makro\u00f6konomischen und geopolitischen Risiken in dieser Analyse ber\u00fccksichtigt.</span></div><div class=\"ps25009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der folgenden Tabelle werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle </span></div><div class=\"ps25010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte unter der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der gesamten Restlaufzeit </span></div><div class=\"ps25011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden (Stage 2), ausgewiesen.</span></div><div class=\"ps25025 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps10760\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25014\">2.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25015\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25017\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25019\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25021\">1.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25023\">658<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt einen Vergleich zwischen der ausgewiesenen kumulierten Wertminderung f\u00fcr erwartete </span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 3 und dem pessimistischen Szenario gewichtet mit 100 Prozent. Das </span></div><div class=\"ps25026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistische Szenario stellt keinen Extremfall aus dem Ergebnisraum der 25 Prozent pessimistischsten Szenarien dar, sondern </span></div><div class=\"ps25027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. </span></div><div class=\"ps25033 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps13427\">Kumulierte Wertminderungen (Stage 3)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Pessimistisches Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25028\">1.801<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25029\">2.193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25030\">1.480<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25013\">1.909<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung der Wertminderungen im pessimistischen Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25031\">321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25032\">284<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verm\u00f6genswerte<span id=\"ifb6970ca593b4ec49e85f23ea9c80166\"></span></span></div><div class=\"ps25035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Schuldverschreibungen werden teilweise oder vollst\u00e4ndig ausgebucht, wenn keine Zahlungen bzw. R\u00fcckfl\u00fcsse mehr </span></div><div class=\"ps25036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet werden. Dies geschieht, wenn der Kreditnehmer keine Einnahmen aus dem operativen Gesch\u00e4ft mehr erzielt und die </span></div><div class=\"ps25037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheiten keine ausreichenden Cash-Flows generieren k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in Insolvenz werden </span></div><div class=\"ps25038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten wertgemindert, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr erzielt. Im Retail-Gesch\u00e4ft werden qualitative Faktoren ber\u00fccksichtigt. In F\u00e4llen, in denen seit einem Jahr keine Zahlung </span></div><div class=\"ps25040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleistet wurde, werden hier die ausstehenden Betr\u00e4ge ausgebucht, wobei ausgebuchte Forderungen weiter Gegenstand von </span></div><div class=\"ps25041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeiten sein k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in sogenannten Gone-Concern-F\u00e4llen werden </span></div><div class=\"ps25042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten abgeschrieben, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr generiert. Die ausstehenden Bruttoforderungen aus finanziellen Verm\u00f6genswerten, die noch Gegenstand der </span></div><div class=\"ps4860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeit sind, betrugen \u20ac 1.401 Millionen (Vorjahr: \u20ac 1.297 Millionen).</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verbindlichkeiten<span id=\"ia81b6a74840c431cb8919670a599f432\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern bucht eine finanzielle Verbindlichkeit aus, wenn seine Verpflichtungen beglichen, aufgehoben oder ausgelaufen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Der Ertrag oder Aufwand aus dem R\u00fcckkauf von eigenen Verbindlichkeiten wird unter Punkt (6) Sonstiges betriebliches </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis dargestellt. Auch der R\u00fcckerwerb eigener Schuldtitel f\u00e4llt unter die Ausbuchung finanzieller Verpflichtungen. </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetr\u00e4ge beim R\u00fcckkauf zwischen dem Buchwert der Verpflichtung (einschlie\u00dflich Agios und Disagios) und dem </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaufpreis werden erfolgswirksam im sonstigen betrieblichen Ergebnis erfasst, sofern es sich nicht um eine zum Fair Value </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designierte Verbindlichkeit handelt. Bezieht sich der R\u00fcckkauf auf finanzielle Verbindlichkeiten, die unter Anwendung der Fair-</span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value-Option bilanziert wurden, so bleiben jene Fair-Value-\u00c4nderungen, die aus einer Verschlechterung der eigenen Bonit\u00e4t </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(und damit einer Ver\u00e4nderung des Ausfallrisikos der finanziellen Verbindlichkeit) herr\u00fchren, erfolgsneutral erfasst und werden </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Gewinn oder Verlust umgegliedert.</span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt den Betrag des Bruttobuchwerts und der Wertminderungen jener finanziellen Verm\u00f6genswerte \u2013 </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Amortized Cost und finanziellen Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income, die sich in der </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperiode von erwarteten Zw\u00f6lf-Monats-Verlusten (Stage 1) hin zu erwarteten Verlusten \u00fcber die Restlaufzeit (Stage 2 </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 3) oder umgekehrt bewegt haben:</span></div><div class=\"ps25140 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1379\"><div><div class=\"ps3137 ss1378\"><span class=\"f charStyle-1dbd4d87 ps1642\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1382\"><div><div class=\"ps5426 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25057\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25058\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps50 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps17263\">-6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps118\">6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps14999\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps25062\"></span><span class=\"ps25062\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17204\"></span><span class=\"ps17204\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21542\">-60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17889\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25069 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps23943\">-139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18513\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25074 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps22204\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25075\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25080 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25081\">-257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25082\">257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20183\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25085\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25087\"></span><span class=\"ps25087\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25089 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17773\"></span><span class=\"ps17773\">7,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25090\">-3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps307\">3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18478\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22537\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25095 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19579\"></span><span class=\"ps19579\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10787\">2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps1069\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25100 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13350\"></span><span class=\"ps13350\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps10643\">6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9442\">-6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25102\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps15881\">-258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20085\"></span><span class=\"ps20085\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25106 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13308\"></span><span class=\"ps13308\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25110\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25112\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19957\"></span><span class=\"ps19957\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25117 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1619\"></span><span class=\"ps1619\">10,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25118\">295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps113\">-295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25122 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1623\"></span><span class=\"ps1623\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20293\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17770\">-589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25124\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25128 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps4126\">2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10120\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20118\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps458\">-171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25132 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17706\"></span><span class=\"ps17706\">7,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17906\">3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9386\">-3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20843\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25136\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25139 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der Wertminderungen aus der Bewegung von erwarteten Zw\u00f6lf-Monats-Kreditverlusten zu Lifetime betrug \u20ac 287 </span></div><div class=\"ps25142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (Vorjahr: \u20ac 333 Millionen). Der R\u00fcckgang der Wertminderungen aus der Bewegung von Lifetime zu erwarteten Zw\u00f6lf-</span></div><div class=\"ps25143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monats-Kreditverlusten betrug \u20ac 237 Millionen (Vorjahr: \u20ac 169 Millionen).</span></div><div class=\"ps25168 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12887\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25144 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22706\">-5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps13210\">5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps25145\">388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps18107\"></span><span class=\"ps18107\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25146 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25147 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20180\">-141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25148\">141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20216\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20193\"></span><span class=\"ps20193\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25149 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17912\"></span><span class=\"ps17912\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20347\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25150\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25151 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19633\"></span><span class=\"ps19633\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25152\">-497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20422\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20097\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25153 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19189\"></span><span class=\"ps19189\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps8920\">-3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6729\">3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25154\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17792\">207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20539\"></span><span class=\"ps20539\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25155 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18078\"></span><span class=\"ps18078\">6,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17402\">-1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps19535\">1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20259\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25156 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps111\"></span><span class=\"ps111\">8,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps21380\">5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9896\">-5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps20559\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps16883\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21626\"></span><span class=\"ps21626\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25157 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25158 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20138\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17722\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25159 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12631\"></span><span class=\"ps12631\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21545\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25160\">-214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25161 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17910\"></span><span class=\"ps17910\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20261\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17285\">-461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25162\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25163\"></span><span class=\"ps25163\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25164 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17911\"></span><span class=\"ps17911\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17784\">2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10500\">-2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25165\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22538\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21394\"></span><span class=\"ps21394\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25166 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11922\"></span><span class=\"ps11922\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18115\">3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9438\">-3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps806\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25167 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8448\"></span><span class=\"ps8448\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-407": {
   "value": "<div class=\"ps18879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und <span id=\"ifd020ee4f3a64b62a182f8da84dfa865\"></span></span></div><div class=\"ps18880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">finanziellen Verbindlichkeiten</span></div><div class=\"ps18881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Finanzinstrument ist ein Vertrag, der gleichzeitig bei einem Gesch\u00e4ftspartner zu einem finanziellen Verm\u00f6genswert und </span></div><div class=\"ps18882 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim anderen zu einer finanziellen Schuld oder einem Eigenkapitalinstrument f\u00fchrt. Beim erstmaligen Ansatz sind </span></div><div class=\"ps18883 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzinstrumente mit dem beizulegenden Zeitwert zu bewerten; dieser entspricht in der Regel dem Transaktionspreis zum </span></div><div class=\"ps18884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt. Stellt eine Konzerneinheit fest, dass der beizulegende Zeitwert beim erstmaligen Ansatz vom <span class=\"f ps24\"> </span></span></div><div class=\"ps18885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionspreis abweicht, diese Bewertung zum beizulegenden Zeitwert jedoch nicht durch eine Bewertungstechnik belegt <span class=\"f ps24\"> </span></span></div><div class=\"ps18886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, die ausschlie\u00dflich Daten aus beobachtbaren M\u00e4rkten verwendet, dann wird der Buchwert des finanziellen Verm\u00f6genswerts <span class=\"f ps24\"> </span></span></div><div class=\"ps18887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder der finanziellen Verbindlichkeit beim erstmaligen Ansatz angepasst, um die Differenz zwischen der Bewertung zum </span></div><div class=\"ps18888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert und dem Transaktionspreis abzugrenzen. Die abgegrenzte Differenz wird in der Folge nur insoweit als </span></div><div class=\"ps18889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn oder Verlust erfasst, als sie sich aus der \u00c4nderung eines Faktors (einschlie\u00dflich des Zeitpunkts) ergibt, den die </span></div><div class=\"ps18890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktteilnehmer:innen bei der Preisbildung ber\u00fccksichtigen w\u00fcrden. Gem\u00e4\u00df IFRS 13 ist der beizulegende Zeitwert als </span></div><div class=\"ps18891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungspreis definiert. In der Folgebewertung werden Finanzinstrumente in Abh\u00e4ngigkeit von der jeweiligen </span></div><div class=\"ps18892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungskategorie gem\u00e4\u00df IFRS 9 entweder zu (fortgef\u00fchrten) Anschaffungskosten oder zum beizulegenden Zeitwert (Fair </span></div>Value) in der Bilanz angesetzt.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-409": {
   "value": "<div class=\"ps3510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bilanzierung der finanziellen Verbindlichkeiten nach IFRS 9 erfolgt \u00fcberwiegend zu (fortgef\u00fchrten) Anschaffungskosten </span></div><div class=\"ps5827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Finanzielle Verbindlichkeiten \u2013 Amortized Cost) unter Anwendung der Effektivzinsmethode mit Ausnahme jener finanziellen </span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zum beizulegenden Zeitwert (Fair Value) bewertet werden. Letztere umfassen jene finanziellen </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zu Handelszwecken gehalten werden (Finanzielle Verbindlichkeiten \u2013 Held For Trading), und solche, die in </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die FVTPL-Kategorie designiert wurden (Finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss). Bei den zum </span></div><div class=\"ps18902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair Value Through Profit/Loss designierten finanziellen Verbindlichkeiten sind die Ver\u00e4nderungen des beizulegenden Zeitwerts, </span></div><div class=\"ps18903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die sich aus Ver\u00e4nderungen des eigenen Ausfallrisikos der RBI ergeben, im sonstigen Ergebnis auszuweisen.</span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach IFRS 9 werden eingebettete Derivate nicht vom Basisvertrag eines finanziellen Verm\u00f6genswerts getrennt. Stattdessen </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden finanzielle Verm\u00f6genswerte gem\u00e4\u00df dem Gesch\u00e4ftsmodell und ihren Vertragsbedingungen klassifiziert, wie im </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschnitt \u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells und im Abschnitt \u00dcberpr\u00fcfung der Charakteristika der vertraglichen </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsstr\u00f6me erl\u00e4utert. Bei Finanzverbindlichkeiten werden eingebettete Derivate nur dann vom Basisinstrument separiert </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und gesondert als Derivat verbucht, wenn deren wirtschaftliche Merkmale und Risiken nicht eng mit den wirtschaftlichen </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Merkmalen und Risiken des Basisvertrags verbunden sind, das eingebettete Derivat der Definition eines Derivats entspricht, und </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das hybride Finanzinstrument keinem finanziellen Verbindlichkeitsposten zugeordnet ist, der zu Handelszwecken gehalten wird, </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder als erfolgswirksam zum Fair Value bewertet eingestuft wird.</span></div><div class=\"ps18912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">N\u00e4here Details zur Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten finden </span></div><span class=\"f charStyle-9eccfdcb ps17\">sich im Anhang bei den jeweiligen Posten der Erfolgsrechnung und der Bilanz</span><div class=\"ps21585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten werden \u00fcberwiegend mit den fortgeschriebenen Anschaffungskosten angesetzt. Unterschiedsbetr\u00e4ge </span></div><div class=\"ps21586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen Auszahlungsbetrag und Nennbetrag werden effektivzinsgerecht abgegrenzt und im Zins\u00fcberschuss ausgewiesen. In </span></div><div class=\"ps21587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Kategorie werden vor allem Kundeneinlagen und Wertpapieremissionen, die der Refinanzierung dienen, ausgewiesen.</span></div><div class=\"ps21588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emittiertes Nachrangkapital und Erg\u00e4nzungskapital werden entweder in dem Posten finanzielle Verbindlichkeiten \u2013 Amortized <span class=\"f ps24\"> </span></span></div><div class=\"ps21589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cost oder finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss ausgewiesen. Verbriefte und nicht </span></div><div class=\"ps21590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbriefte Verm\u00f6genswerte sind nachrangig, wenn die Forderungen im Fall der Liquidation oder des Konkurses erst nach den </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen der anderen, nicht nachrangigen Gl\u00e4ubiger befriedigt werden k\u00f6nnen. Erg\u00e4nzungskapital ist gem\u00e4\u00df Art. 63 der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verordnung (EU) Nr 575/2013 (CRR) definiert. Entsprechende Instrumente weisen eine Ursprungslaufzeit von mindestens f\u00fcnf </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahren auf, sind nachrangiger Natur und d\u00fcrfen, unter anderem, keinen Anreiz zur vorzeitigen Tilgung enthalten, den </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inhaber:innen kein Anrecht auf eine Beschleunigung der R\u00fcckzahlung einr\u00e4umen oder Zins- bzw. Dividendenzahlungen <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inkludieren, die in ihrer H\u00f6he von der Bonit\u00e4t des Emittenten beeinflusst werden.</span></div><div class=\"ps22089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Kategorie umfasst im Wesentlichen jene finanziellen Verm\u00f6genswerte, die zum Zeitpunkt des erstmaligen Bilanzansatzes </span></div><div class=\"ps22090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflich als designiertes Finanzinstrument zum Fair Value gewidmet wurden (sog. Fair-Value-Option). Die Anwendung der </span></div><div class=\"ps22091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Option ist an die Voraussetzung gekn\u00fcpft, dass Inkongruenzen bei der Bewertung oder beim Ansatz beseitigt oder </span></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant verringert werden. Diese entstehen, wenn die Bewertung von finanziellen Verm\u00f6genswerten oder Verbindlichkeiten <span class=\"f ps24\"> </span></span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder die Erfassung von daraus resultierenden Gewinnen oder Verlusten auf unterschiedlicher Grundlage erfolgt. <span class=\"f ps24\"> </span></span></div><div class=\"ps22094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso werden finanzielle Verbindlichkeiten als Finanzinstrumente zum Fair Value designiert, um Bewertungsabweichungen </span></div><div class=\"ps22095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von den mit ihnen im Zusammenhang stehenden Derivaten zu vermeiden. Der Fair Value der unter Anwendung der Fair-Value-</span></div><div class=\"ps22096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Option in diese Kategorie klassifizierten finanziellen Verpflichtungen enth\u00e4lt s\u00e4mtliche Marktrisikofaktoren einschlie\u00dflich des </span></div><div class=\"ps22097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit diesen finanziellen Verpflichtungen in Verbindung stehenden Kreditrisikos des Emittenten. </span></div><div class=\"ps22098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den finanziellen Verpflichtungen geh\u00f6ren im Wesentlichen strukturierte Anleihen. Der Fair Value dieser finanziellen </span></div><div class=\"ps22099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen wird durch die Abzinsung der vertraglichen Cash-Flows mithilfe einer kreditrisikoadjustierten Zinsstrukturkurve </span></div><div class=\"ps22100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt, die das Niveau widerspiegelt, auf dem der Konzern \u00e4hnliche Finanzinstrumente zum Bilanzstichtag begeben w\u00fcrde. </span></div><div class=\"ps22101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Marktrisikoparameter werden anhand vergleichbarer Finanzinstrumente ermittelt. Bewertungsergebnisse f\u00fcr </span></div><div class=\"ps22102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die als Finanzinstrument zum Fair Value designiert wurden, werden im Handelsergebnis und Ergebnis aus </span></div><div class=\"ps22103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Bewertungen ausgewiesen. </span></div><div class=\"ps22104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse im Handelsergebnis und Ergebnis </span></div><div class=\"ps22105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen ausgewiesen. Bei finanziellen Verbindlichkeiten, die erfolgswirksam zum beizulegenden Zeitwert </span></div><div class=\"ps22106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designiert werden, sind \u00c4nderungen des Fair Values, die auf eine \u00c4nderung des eigenen Kreditrisikos zur\u00fcckzuf\u00fchren sind, nicht </span></div><div class=\"ps22107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Erfolgsrechnung, sondern im sonstigen Ergebnis ausgewiesen.</span></div><div class=\"ps23937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet IAS 32 an, um zu entscheiden, ob eine Klassifizierung als finanzielle Verbindlichkeit oder als Eigenkapital </span></div><div class=\"ps23938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzunehmen ist. Ausgegebene Finanzinstrumente werden als Verbindlichkeiten klassifiziert, wenn die vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps23939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarung dazu f\u00fchrt, dass die RBI verpflichtet ist, entweder fl\u00fcssige Mittel oder andere finanzielle Verm\u00f6genswerte oder </span></div><div class=\"ps23940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine variable Anzahl von Eigenkapitalanteilen an den Inhaber des Instruments zu liefern. Ist dies nicht der Fall, wird das </span></div><div class=\"ps23941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instrument als Eigenkapitalinstrument eingestuft, und die Erl\u00f6se abz\u00fcglich der Transaktionskosten werden im Eigenkapital </span></div><div class=\"ps23942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-408": {
   "value": "<div class=\"ps3510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bilanzierung der finanziellen Verbindlichkeiten nach IFRS 9 erfolgt \u00fcberwiegend zu (fortgef\u00fchrten) Anschaffungskosten </span></div><div class=\"ps5827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Finanzielle Verbindlichkeiten \u2013 Amortized Cost) unter Anwendung der Effektivzinsmethode mit Ausnahme jener finanziellen </span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zum beizulegenden Zeitwert (Fair Value) bewertet werden. Letztere umfassen jene finanziellen </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die zu Handelszwecken gehalten werden (Finanzielle Verbindlichkeiten \u2013 Held For Trading), und solche, die in </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die FVTPL-Kategorie designiert wurden (Finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss). Bei den zum </span></div><div class=\"ps18902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair Value Through Profit/Loss designierten finanziellen Verbindlichkeiten sind die Ver\u00e4nderungen des beizulegenden Zeitwerts, </span></div><div class=\"ps18903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die sich aus Ver\u00e4nderungen des eigenen Ausfallrisikos der RBI ergeben, im sonstigen Ergebnis auszuweisen.</span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach IFRS 9 werden eingebettete Derivate nicht vom Basisvertrag eines finanziellen Verm\u00f6genswerts getrennt. Stattdessen </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden finanzielle Verm\u00f6genswerte gem\u00e4\u00df dem Gesch\u00e4ftsmodell und ihren Vertragsbedingungen klassifiziert, wie im </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschnitt \u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells und im Abschnitt \u00dcberpr\u00fcfung der Charakteristika der vertraglichen </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsstr\u00f6me erl\u00e4utert. Bei Finanzverbindlichkeiten werden eingebettete Derivate nur dann vom Basisinstrument separiert </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und gesondert als Derivat verbucht, wenn deren wirtschaftliche Merkmale und Risiken nicht eng mit den wirtschaftlichen </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Merkmalen und Risiken des Basisvertrags verbunden sind, das eingebettete Derivat der Definition eines Derivats entspricht, und </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das hybride Finanzinstrument keinem finanziellen Verbindlichkeitsposten zugeordnet ist, der zu Handelszwecken gehalten wird, </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder als erfolgswirksam zum Fair Value bewertet eingestuft wird.</span></div><div class=\"ps18912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">N\u00e4here Details zur Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten finden </span></div><div class=\"ps4203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich im Anhang bei den jeweiligen Posten der Erfolgsrechnung und der Bilanz</span><span class=\"f charStyle-9eccfdcb ps18913\">.</span></div><div class=\"ps21585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten werden \u00fcberwiegend mit den fortgeschriebenen Anschaffungskosten angesetzt. Unterschiedsbetr\u00e4ge </span></div><div class=\"ps21586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen Auszahlungsbetrag und Nennbetrag werden effektivzinsgerecht abgegrenzt und im Zins\u00fcberschuss ausgewiesen. In </span></div><div class=\"ps21587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Kategorie werden vor allem Kundeneinlagen und Wertpapieremissionen, die der Refinanzierung dienen, ausgewiesen.</span></div><div class=\"ps21588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emittiertes Nachrangkapital und Erg\u00e4nzungskapital werden entweder in dem Posten finanzielle Verbindlichkeiten \u2013 Amortized <span class=\"f ps24\"> </span></span></div><div class=\"ps21589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cost oder finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss ausgewiesen. Verbriefte und nicht </span></div><div class=\"ps21590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbriefte Verm\u00f6genswerte sind nachrangig, wenn die Forderungen im Fall der Liquidation oder des Konkurses erst nach den </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen der anderen, nicht nachrangigen Gl\u00e4ubiger befriedigt werden k\u00f6nnen. Erg\u00e4nzungskapital ist gem\u00e4\u00df Art. 63 der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verordnung (EU) Nr 575/2013 (CRR) definiert. Entsprechende Instrumente weisen eine Ursprungslaufzeit von mindestens f\u00fcnf </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahren auf, sind nachrangiger Natur und d\u00fcrfen, unter anderem, keinen Anreiz zur vorzeitigen Tilgung enthalten, den </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inhaber:innen kein Anrecht auf eine Beschleunigung der R\u00fcckzahlung einr\u00e4umen oder Zins- bzw. Dividendenzahlungen <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inkludieren, die in ihrer H\u00f6he von der Bonit\u00e4t des Emittenten beeinflusst werden.</span></div><div class=\"ps22089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Kategorie umfasst im Wesentlichen jene finanziellen Verm\u00f6genswerte, die zum Zeitpunkt des erstmaligen Bilanzansatzes </span></div><div class=\"ps22090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflich als designiertes Finanzinstrument zum Fair Value gewidmet wurden (sog. Fair-Value-Option). Die Anwendung der </span></div><div class=\"ps22091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Option ist an die Voraussetzung gekn\u00fcpft, dass Inkongruenzen bei der Bewertung oder beim Ansatz beseitigt oder </span></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant verringert werden. Diese entstehen, wenn die Bewertung von finanziellen Verm\u00f6genswerten oder Verbindlichkeiten <span class=\"f ps24\"> </span></span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder die Erfassung von daraus resultierenden Gewinnen oder Verlusten auf unterschiedlicher Grundlage erfolgt. <span class=\"f ps24\"> </span></span></div><div class=\"ps22094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso werden finanzielle Verbindlichkeiten als Finanzinstrumente zum Fair Value designiert, um Bewertungsabweichungen </span></div><div class=\"ps22095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von den mit ihnen im Zusammenhang stehenden Derivaten zu vermeiden. Der Fair Value der unter Anwendung der Fair-Value-</span></div><div class=\"ps22096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Option in diese Kategorie klassifizierten finanziellen Verpflichtungen enth\u00e4lt s\u00e4mtliche Marktrisikofaktoren einschlie\u00dflich des </span></div><div class=\"ps22097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit diesen finanziellen Verpflichtungen in Verbindung stehenden Kreditrisikos des Emittenten. </span></div><div class=\"ps22098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den finanziellen Verpflichtungen geh\u00f6ren im Wesentlichen strukturierte Anleihen. Der Fair Value dieser finanziellen </span></div><div class=\"ps22099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen wird durch die Abzinsung der vertraglichen Cash-Flows mithilfe einer kreditrisikoadjustierten Zinsstrukturkurve </span></div><div class=\"ps22100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt, die das Niveau widerspiegelt, auf dem der Konzern \u00e4hnliche Finanzinstrumente zum Bilanzstichtag begeben w\u00fcrde. </span></div><div class=\"ps22101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Marktrisikoparameter werden anhand vergleichbarer Finanzinstrumente ermittelt. Bewertungsergebnisse f\u00fcr </span></div><div class=\"ps22102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die als Finanzinstrument zum Fair Value designiert wurden, werden im Handelsergebnis und Ergebnis aus </span></div><div class=\"ps22103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Bewertungen ausgewiesen. </span></div><div class=\"ps22104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse im Handelsergebnis und Ergebnis </span></div><div class=\"ps22105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen ausgewiesen. Bei finanziellen Verbindlichkeiten, die erfolgswirksam zum beizulegenden Zeitwert </span></div><div class=\"ps22106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designiert werden, sind \u00c4nderungen des Fair Values, die auf eine \u00c4nderung des eigenen Kreditrisikos zur\u00fcckzuf\u00fchren sind, nicht </span></div><div class=\"ps22107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Erfolgsrechnung, sondern im sonstigen Ergebnis ausgewiesen.</span></div><div class=\"ps23937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet IAS 32 an, um zu entscheiden, ob eine Klassifizierung als finanzielle Verbindlichkeit oder als Eigenkapital </span></div><div class=\"ps23938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzunehmen ist. Ausgegebene Finanzinstrumente werden als Verbindlichkeiten klassifiziert, wenn die vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps23939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarung dazu f\u00fchrt, dass die RBI verpflichtet ist, entweder fl\u00fcssige Mittel oder andere finanzielle Verm\u00f6genswerte oder </span></div><div class=\"ps23940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine variable Anzahl von Eigenkapitalanteilen an den Inhaber des Instruments zu liefern. Ist dies nicht der Fall, wird das </span></div><div class=\"ps23941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instrument als Eigenkapitalinstrument eingestuft, und die Erl\u00f6se abz\u00fcglich der Transaktionskosten werden im Eigenkapital </span></div><div class=\"ps23942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-410": {
   "value": "<div class=\"ps18914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Umklassifizierung finanzieller Verm\u00f6genswerte <span id=\"i9c5f6b5fa0594732a0aa40fca3b74d34\"></span></span></div><div class=\"ps18915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Umklassifizierung ist nur f\u00fcr finanzielle Verm\u00f6genswerte vorgesehen, f\u00fcr finanzielle Verbindlichkeiten ist eine <span class=\"f ps24\"> </span></span></div><div class=\"ps18916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung nicht m\u00f6glich. Eine \u00c4nderung der Bewertungskategorie ist in der RBI nur dann vorgesehen, wenn das </span></div><div class=\"ps18917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodell, das zur Verwaltung eines finanziellen Verm\u00f6genswerts eingesetzt wird, sich \u00e4ndert. Solche \u00c4nderungen </span></div><div class=\"ps18918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">treten erwartungsgem\u00e4\u00df nur sehr selten auf, sie werden vom Management infolge von externen oder internen \u00c4nderungen </span></div><div class=\"ps18919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und m\u00fcssen sowohl f\u00fcr den Betrieb des Unternehmens wesentlich als auch gegen\u00fcber externen Parteien </span></div><div class=\"ps18920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachweisbar sein. Sind diese Voraussetzungen erf\u00fcllt, ist die Umklassifizierung zwingend vorzunehmen. Wenn eine derartige </span></div><div class=\"ps18921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umklassifizierung notwendig ist, ist diese prospektiv ab dem Zeitpunkt der Umklassifizierung vorzunehmen und vom Vorstand </span></div>der RBI zu genehmigen.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForReclassificationOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-413": {
   "value": "<div class=\"ps19008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Wesentliche bilanzielle Ermessensspielr\u00e4ume und Hauptquellen von <span id=\"i67e7c3004b0a4457ae73f8967aaa2e03\"></span></span></div><div class=\"ps19009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Sch\u00e4tzungsunsicherheiten</span></div><div class=\"ps19010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sind f\u00fcr die Bilanzierung und Bewertung nach IAS/IFRS Sch\u00e4tzungen oder Beurteilungen erforderlich, werden diese in <span class=\"f ps24\"> </span></span></div><div class=\"ps19011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit den jeweiligen Standards vorgenommen. Sie basieren auf historischen Erfahrungen und anderen </span></div><div class=\"ps19012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren wie Planungen und nach heutigem Ermessen wahrscheinlichen Erwartungen oder Prognosen zuk\u00fcnftiger Ereignisse. </span></div><div class=\"ps19013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die den Sch\u00e4tzungen zugrunde liegenden Annahmen unterliegen einer regelm\u00e4\u00dfigen \u00dcberpr\u00fcfung. \u00c4nderungen von </span></div><div class=\"ps19014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sch\u00e4tzungen werden, sofern sie nur eine Periode betreffen, nur in dieser ber\u00fccksichtigt. Falls auch nachfolgende </span></div><div class=\"ps19015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperioden betroffen sind, werden die \u00c4nderungen in der aktuellen und den folgenden Perioden ber\u00fccksichtigt. Die </span></div><div class=\"ps19016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen, Sch\u00e4tzungen und Ermessensentscheidungen betreffen im Wesentlichen die Risikovorsorgen im Kreditgesch\u00e4ft, den </span></div><div class=\"ps19017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert und die Wertminderung von Finanzinstrumenten, die latenten Steuern, R\u00fcckstellungen f\u00fcr Pensionen </span></div><div class=\"ps19018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und pensions\u00e4hnliche Verpflichtungen, R\u00fcckstellungen f\u00fcr Rechtsf\u00e4lle sowie die Berechnungen zur Ermittlung der Werthaltigkeit </span></div><div class=\"ps19019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Firmenwerten und die im Zuge der Erstkonsolidierung aktivierten immateriellen Verm\u00f6genswerte. Die tats\u00e4chlichen Werte </span></div><div class=\"ps19020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen von den gesch\u00e4tzten Werten abweichen.</span></div><div class=\"ps19021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zusammenhang mit Rasperia wurden folgende Sch\u00e4tzungen bzw. Ermessensentscheidungen getroffen: Aufgrund der </span></div><div class=\"ps19022 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ge\u00e4nderten Einsch\u00e4tzung des Managements hinsichtlich der Vollstreckung der Anspr\u00fcche in die \u00f6sterreichischen </span></div><div class=\"ps19023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6gensgegenst\u00e4nde der Rasperia wurden die erwarteten Erl\u00f6se in H\u00f6he von \u20ac 1.204 Millionen im Juni 2025 ausgebucht. Im <span class=\"f ps24\"> </span></span></div><div class=\"ps19024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2025 wurde f\u00fcr das zweite Rasperia-Verfahren eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebildet. Details dazu </span></div><div class=\"ps19026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps16819\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps19025\"> ersichtlich. Im Zusammenhang mit der Beurteilung der Kontrolle von AO Raiffeisenbank </span></div><div class=\"ps19027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 10 wird auf das Kapitel Konsequenzen und Analysen der kriegerischen Auseinandersetzung zwischen Russland und </span></div><div class=\"ps19028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Ukraine verwiesen.</span></div><div class=\"ps19029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der doppelten Wesentlichkeitsanalyse f\u00fcr die konsolidierte nichtfinanzielle Erkl\u00e4rung 2025 wurde die finanzielle </span></div><div class=\"ps19030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlichkeit von Nachhaltigkeitsaspekte im kurzfristigen, mittelfristigen und langfristigen Bereich betrachtet. Kurzfristig </span></div><div class=\"ps19031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">definiert als der Berichtszeitraum des Konzernabschlusses wurden keine wesentlichen finanziellen Risiken aus </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachhaltigkeitsaspekten festgestellt, bis auf Klagen in Zusammenhang mit Themen des Konsumentenschutzes. Daher enth\u00e4lt </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzernabschluss keine gesonderten Angaben zu nachhaltigkeitsbezogenen Unsicherheiten, die die Sch\u00e4tzungsannahmen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlich beeinflussen. Ein Zeitraum von mehr als f\u00fcnf Jahren wurde als langfristig betrachtet, wobei hier eine moderate </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wahrscheinlichkeit besteht, dass der Klimawandel das Kreditrisiko des Kundenportfolios erheblich beeinflusst. F\u00fcr weitere </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelheiten wird auf das Kapitel </span><span class=\"f charStyle-e6305a27 ps19032\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\">IRO-1: Verfahren zur Ermittlung und Bewertung der wesentlichen Auswirkungen, Risiken und </a></span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-e6305a27 ps17\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\">Chancen</a></span><span class=\"f charStyle-e6305a27 ps15453\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\"> </a></span><span class=\"f charStyle-9eccfdcb ps19033\">und Punkt</span><span class=\"f charStyle-9eccfdcb ps19034\"> </span><span class=\"f charStyle-9eccfdcb ps19035\">(31) Erwartete Kreditverluste</span><span class=\"f charStyle-9eccfdcb ps19036\"> verwiesen.</span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der geopolitischen Lage ist die RBI zudem erh\u00f6hten Risiken im Zusammenhang mit Fremdw\u00e4hrungsumrechnungen </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesetzt. Details dazu finden sich im Kapitel W\u00e4hrungsumrechnung.</span></div><div class=\"ps19037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Wertminderungen im Kreditgesch\u00e4ft<span id=\"if4406bcdd5314f5d85a3e58c2c68cfdf\"></span></span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ermittelt die erwarteten Kreditverluste (Expected Credit Losses, ECL) aus den als Verm\u00f6genswerte gehaltenen </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldinstrumenten, die zu fortgef\u00fchrten Anschaffungskosten bzw. erfolgsneutral zum Fair Value angesetzt werden, sowie aus </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzusagen, Leasingforderungen und Finanzgarantien. Die Berechnung erwarteter Kreditverluste erfordert die Anwendung </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Sch\u00e4tzungen, die von den tats\u00e4chlichen Ergebnissen abweichen k\u00f6nnen. Um die H\u00f6he der Wertminderung zu ermitteln, sind </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentliche Kreditrisikoparameter wie PD (Probability of Default), LGD (Loss Given Default) und EAD (Exposure at Default) sowie </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunfts</span><span class=\"f charStyle-9eccfdcb ps19039\">orientierte Informationen (Konjunkturprognosen) vom Management zu sch\u00e4tzen. Die erwarteten Kreditverluste werden </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu jedem Berichtsstichtag angepasst. IFRS 9 verlangt die Beurteilung, ob ein signifikanter Anstieg des Kreditrisikos vorliegt, ohne </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">detaillierte Leitlinien zu geben. Daher sind zur Beurteilung spezifische Regeln festgelegt worden, welche aus qualitativen </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen und quantitativen Schwellenwerten bestehen. Die Methoden zur Bestimmung der H\u00f6he der Wertminderung sind </span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9) erl\u00e4utert. Quantitative Angaben sowie Sensitivit\u00e4tsanalysen <span class=\"f ps24\"> </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps16819\">(31) Erwartete Kreditverluste</span><span class=\"f charStyle-9eccfdcb ps19045\"> dargest</span><span class=\"f charStyle-9eccfdcb ps19046\">ellt. Bei der Berechnung erwarteter Kreditverluste sind </span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen erforderlich, insbesondere bei der Ber\u00fccksichtigung von Risiken, die von den Modellen nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessen abgebildet werden wie Overlays und andere Risikofaktoren f\u00fcr Sanktions- und geopolitische Risiken.<span class=\"f ps24\"> </span></span></div><div class=\"ps19050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fair Value von Finanzinstrumenten <span id=\"i1b3790c702394520aa44fb8df9c50da8\"></span></span></div><div class=\"ps19051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der beizulegende Zeitwert (Fair Value) ist jener Preis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen Marktteilnehmer:innen </span></div><div class=\"ps19052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am Bemessungsstichtag f\u00fcr den Verkauf eines Verm\u00f6genswerts eingenommen bzw. f\u00fcr die \u00dcbertragung einer Schuld gezahlt </span></div><div class=\"ps19053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden w\u00fcrde. Dies gilt unabh\u00e4ngig davon, ob der Preis direkt beobachtbar oder unter Anwendung einer Bewertungsmethode </span></div><div class=\"ps19054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesch\u00e4tzt worden ist. Bei der Ermittlung des beizulegenden Zeitwerts eines Verm\u00f6genswerts oder einer Schuld ber\u00fccksichtigt </span></div><div class=\"ps19055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzern bestimmte Merkmale des Verm\u00f6genswerts oder der Schuld (z. B. Zustand und Standort des Verm\u00f6genswerts oder <span class=\"f ps24\"> </span></span></div><div class=\"ps19056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verkaufs- und Nutzungsbeschr\u00e4nkungen), wenn Marktteilnehmer:innen diese Merkmale bei der Preisfestlegung f\u00fcr den Erwerb </span></div><div class=\"ps19057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des jeweiligen Verm\u00f6genswerts oder die \u00dcbertragung der Schuld zum Bewertungsstichtag ebenfalls ber\u00fccksichtigen w\u00fcrden. <span class=\"f ps24\"> </span></span></div><div class=\"ps19058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist der Markt f\u00fcr ein Finanzinstrument nicht aktiv, wird der Fair Value anhand einer Bewertungsmethode oder eines <span class=\"f ps24\"> </span></span></div><div class=\"ps19059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preismodells ermittelt. Generell werden f\u00fcr Bewertungsmethoden Sch\u00e4tzungen herangezogen, deren Ausma\u00df von der </span></div><div class=\"ps19060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Komplexit\u00e4t des Instruments und der Verf\u00fcgbarkeit marktbasierter Daten abh\u00e4ngt. Die Input-Parameter f\u00fcr diese Modelle </span></div><div class=\"ps19061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden so weit wie m\u00f6glich von beobachtbaren Marktdaten abgeleitet, trotzdem sind vielfach nicht beobachtbare Marktdaten </span></div><div class=\"ps19062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich. Unter Umst\u00e4nden sind Bewertungsanpassungen notwendig, um weiteren Faktoren wie Modellrisiken, </span></div><div class=\"ps19063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisiken oder Kreditrisiken Rechnung zu tragen. Die Beschreibung der Bewertungsmodelle findet sich im Abschnitt </span></div><div class=\"ps19064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten. Zus\u00e4tzlich werden die Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps19068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Values von Finanzinstrumenten unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19065\">(23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten</span><span class=\"f charStyle-9eccfdcb ps19066\"> </span><span class=\"f charStyle-9eccfdcb ps19067\">dargestellt. </span></div><div class=\"ps19069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">R\u00fcckstellungen f\u00fcr Rechtsstreitigkeiten<span id=\"i272d300e15e04fd0b670227f6bab3bc2\"></span></span></div><div class=\"ps19070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen werden gebildet, wenn der Konzern eine gegenw\u00e4rtige Verpflichtung aus einem vergangenen Ereignis hat und </span></div><div class=\"ps19071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sowohl wahrscheinlich ist, dass er verpflichtet sein wird, diese zu erf\u00fcllen, als auch eine verl\u00e4ssliche Sch\u00e4tzung des Betrags </span></div><div class=\"ps19072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glich ist. Der angesetzte R\u00fcckstellungsbetrag ist der am Bilanzstichtag bestm\u00f6gliche Sch\u00e4tzwert f\u00fcr die Leistung, die unter </span></div><div class=\"ps19073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der der Verpflichtung zugrunde liegenden Risiken und Unsicherheiten hinzugeben ist, um die gegenw\u00e4rtige </span></div><div class=\"ps19074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtung zu erf\u00fcllen. Risiken und Unsicherheiten sind bei der Sch\u00e4tzung ber\u00fccksichtigt. In einigen F\u00e4llen werden Klagen von </span></div><div class=\"ps19075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Reihe von Privatkund:innen eingebracht. Der Bemessung der R\u00fcckstellung wird in solchen F\u00e4llen ein statistischer Ansatz </span></div><div class=\"ps19076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde gelegt. Diese Ans\u00e4tze ber\u00fccksichtigen sowohl statistische Daten, soweit diese relevant sind, als auch </span></div><div class=\"ps19077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen, insbesondere im Zusammenhang mit den zuk\u00fcnftig erwarteten Klagen und Verlusten. Details zu </span></div><div class=\"ps19078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen insbesondere f\u00fcr CHF- und Euro-Kredite in Polen sowie die R\u00fcckstellung betreffend die Rechtsstreitigkeit </span></div><div class=\"ps19081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia in Russland sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19079\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps19080\"> dargestellt.</span></div><div class=\"ps19082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">R\u00fcckstellung f\u00fcr Pensionen und pensions\u00e4hnliche Verpflichtungen <span id=\"i76ca121668394c61a79ad5c5c1ef5604\"></span></span></div><div class=\"ps19083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kosten des leistungsorientierten Pensionsplans werden mittels versicherungsmathematischer Verfahren bewertet. Die </span></div><div class=\"ps19084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versicherungsmathematische Bewertung basiert auf Annahmen zu k\u00fcnftigen Gehaltsentwicklungen, Sterblichkeit und <span class=\"f ps24\"> </span></span></div><div class=\"ps19085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00fcnftigen Pensionsanhebungen. Eine erhebliche Ermessensentscheidung ist hier bei der Festlegung der Parameter notwendig. <span class=\"f ps24\"> </span></span></div><div class=\"ps19086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bestimmung des Rechnungszinssatzes wird zur Ableitung von erwarteten Renditen auf die Zinsempfehlung von Mercer </span></div><div class=\"ps19087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcckgegriffen. Die wesentlichen Kriterien bei der Auswahl der Unternehmensanleihen beinhalten das Ausgabevolumen und </span></div><div class=\"ps19088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Qualit\u00e4t der Anleihen sowie die Identifizierung von Ausrei\u00dfern, die nicht ber\u00fccksichtigt werden. Annahmen und Sch\u00e4tzungen, </span></div><div class=\"ps19089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die f\u00fcr die Berechnung langfristiger Personalverpflichtungen angewandt werden, sind im Abschnitt Verpflichtungen f\u00fcr </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionen und aus anderen Leistungen nach der Beendigung des Arbeitsverh\u00e4ltnisses beschrieben. Quantitative Angaben zu </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Personalr\u00fcckstellungen finden sich unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19091\">(27) R\u00fcckstellungen</span><span class=\"f charStyle-9eccfdcb ps19092\">.</span></div><div class=\"ps13775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aktive latente Steuern<span id=\"i335f03667dfc4708a5e96e1e52df3d2e\"></span></span></div><div class=\"ps19093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Latente Steuerforderungen werden in dem Umfang ausgewiesen, in dem es wahrscheinlich ist, dass zuk\u00fcnftig ausreichend zu </span></div><div class=\"ps19094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versteuernde Ergebnisse zur Verf\u00fcgung stehen werden, mit denen diese steuerlichen Verlustvortr\u00e4ge, Steuerguthaben oder </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steuerlich abzugsf\u00e4higen tempor\u00e4ren Differenzen verrechnet werden k\u00f6nnen. Dazu wird ein Planungshorizont von f\u00fcnf Jahren </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herangezogen. In diesem Zeitraum ist auf Basis der Planung eine verl\u00e4ssliche Sch\u00e4tzung der steuerlichen Ergebnisse m\u00f6glich. </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Bewertung erfordert in ma\u00dfgeblichem Umfang Beurteilungen und Einsch\u00e4tzungen seitens des Managements. Das </span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management verwendet f\u00fcr die Bestimmung der latenten Steuerforderungen historische Erkenntnisse zu Steuerkapazit\u00e4t und </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Profitabilit\u00e4t sowie gegebenenfalls prognostizierte Gesch\u00e4ftsergebnisse auf Basis genehmigter Gesch\u00e4ftspl\u00e4ne einschlie\u00dflich </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Pr\u00fcfung der Vortragsf\u00e4higkeit steuerlicher Verlustvortr\u00e4ge. Quantitative Angaben zu latenten Steuern finden sich unter </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Punkt</span><span class=\"f charStyle-9eccfdcb ps19101\"> </span><span class=\"f charStyle-9eccfdcb ps19102\">(11) Steuern</span><span class=\"f charStyle-9eccfdcb ps19103\">.</span></div><div class=\"ps19105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberpr\u00fcfung der Charakteristika der vertraglichen Zahlungsstr\u00f6me<span id=\"i0bf8c1515ea84755a164c257cdecbd2e\"></span></span></div><div class=\"ps19106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Neben der Gesch\u00e4ftsmodellbedingung ist auch eine Analyse der Zahlungsstr\u00f6me eines finanziellen Verm\u00f6genswerts notwendig, </span></div><div class=\"ps19107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um eine Zuordnung in die Bewertungskategorien zu fortgef\u00fchrten Anschaffungskosten oder at Fair Value Through Other </span></div><div class=\"ps19108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Comprehensive Income zu erreichen. Um die Zahlungsstrombedingung zu erf\u00fcllen, d\u00fcrfen die Zahlungsstr\u00f6me lediglich aus Zins- </span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Tilgungszahlungen des ausstehenden Kapitalbetrags bestehen. Diese Analyse, ob es sich bei vertraglichen Cash-Flows </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte ausschlie\u00dflich um Zins- und Tilgungszahlungen handelt, unterliegt wesentlichen <span class=\"f ps24\"> </span></span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen. In der RBI werden unter Ber\u00fccksichtigung der einzelnen Vertragsmerkmale von finanziellen </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten Ermessensentscheidungen im Wesentlichen bei Krediten, die mit inkongruenten Zinskomponenten </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgestattet sind, getroffen. Um einsch\u00e4tzen zu k\u00f6nnen, ob die Zahlungsstrombedingung erf\u00fcllt ist, ist unter Umst\u00e4nden zur </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beurteilung eines ver\u00e4nderten Elements f\u00fcr den Zeitwert des Geldes ein Benchmark-Test notwendig. </span></div><div class=\"ps19115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest des Firmenwerts<span id=\"icd2892bc469148e6bc36feed5538baed\"></span></span></div><div class=\"ps19116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden j\u00e4hrlich auf Ebene zahlungsmittelgenerierender Einheiten auf ihren k\u00fcnftigen wirtschaftlichen Nutzen </span></div><div class=\"ps19117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberpr\u00fcft. Sollte es w\u00e4hrend des laufenden Gesch\u00e4ftsjahres Anhaltspunkte geben, dass eine Wertminderung vorliegen k\u00f6nnte, </span></div><div class=\"ps19118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird ein Werthaltigkeitstest zum jeweiligen Bilanzstichtag durchgef\u00fchrt. Im Zuge des Werthaltigkeitstests sind wesentliche </span></div><div class=\"ps19119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen, Annahmen und Sch\u00e4tzungen insbesondere hinsichtlich des Zeitpunkts und der H\u00f6he der zuk\u00fcnftigen <span class=\"f ps24\"> </span></span></div><div class=\"ps19124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Cash-Flows und des Diskontierungszinssatzes erforderlich. Siehe auch Punk</span><span class=\"f charStyle-9eccfdcb ps19120\">t </span><span class=\"f charStyle-9eccfdcb ps19121\">(8) \u00dcbriges Ergebnis</span><span class=\"f charStyle-9eccfdcb ps19122\"> und Punkt </span><span class=\"f charStyle-9eccfdcb ps19123\">(25) </span></div><span class=\"f charStyle-9eccfdcb ps17\">Sachanlagen und immaterielle Verm\u00f6genswerte</span><span class=\"f charStyle-9eccfdcb ps19125\">.</span><div class=\"ps19128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeit von at-equity bewerteten Unternehmen<span id=\"ifcfaf3bf06fd4be495522ff9aa03b403\"></span></span></div><div class=\"ps19129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Buchwerte der at-equity bewerteten Unternehmen sind auf ihre Werthaltigkeit zu pr\u00fcfen, wenn objektive Anzeichen f\u00fcr eine </span></div><div class=\"ps19130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorliegen. Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer </span></div><div class=\"ps19131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligung h\u00f6her ist als ihr erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die als Anzeichen <span class=\"f ps24\"> </span></span></div><div class=\"ps19132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr eine Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein </span></div><div class=\"ps19133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnte, wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. Wenn die objektiven Anzeichen einer Wertminderung nicht </span></div><div class=\"ps19134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr vorliegen, kommt es zu einer Wertaufholung. Diese Wertaufholung erfolgt jedoch nur bis zum Betrag, der sich ergeben </span></div><div class=\"ps19135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte, wenn keine Wertminderung erfasst worden w\u00e4re. Das bedeutet, dass der Buchwert des Anteils an dem assoziierten </span></div><div class=\"ps19136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen nicht \u00fcber dem anteiligen Eigenkapital liegen darf. Die wesentlichen Ermessensentscheidungen und Sch\u00e4tzungen </span></div><div class=\"ps19137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Zusammenhang mit dem Werthaltigkeitstest betreffen insbesondere den Diskontierungszinssatz, die Planungsannahmen </span></div><div class=\"ps19140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und die k\u00fcnftigen zu erwartenden Zahlungsstr\u00f6me. Details sind unter Punkt</span><span class=\"f charStyle-9eccfdcb ps19138\"> </span><span class=\"f charStyle-9eccfdcb ps19139\">(24) Anteile an Tochterunternehmen und </span></div><div class=\"ps19142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">assoziierten Unternehmen</span><span class=\"f charStyle-9eccfdcb ps19141\"> dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-411": {
   "value": "<div class=\"ps19008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Wesentliche bilanzielle Ermessensspielr\u00e4ume und Hauptquellen von <span id=\"i67e7c3004b0a4457ae73f8967aaa2e03\"></span></span></div><div class=\"ps19009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Sch\u00e4tzungsunsicherheiten</span></div><div class=\"ps19010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sind f\u00fcr die Bilanzierung und Bewertung nach IAS/IFRS Sch\u00e4tzungen oder Beurteilungen erforderlich, werden diese in <span class=\"f ps24\"> </span></span></div><div class=\"ps19011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit den jeweiligen Standards vorgenommen. Sie basieren auf historischen Erfahrungen und anderen </span></div><div class=\"ps19012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren wie Planungen und nach heutigem Ermessen wahrscheinlichen Erwartungen oder Prognosen zuk\u00fcnftiger Ereignisse. </span></div><div class=\"ps19013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die den Sch\u00e4tzungen zugrunde liegenden Annahmen unterliegen einer regelm\u00e4\u00dfigen \u00dcberpr\u00fcfung. \u00c4nderungen von </span></div><div class=\"ps19014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sch\u00e4tzungen werden, sofern sie nur eine Periode betreffen, nur in dieser ber\u00fccksichtigt. Falls auch nachfolgende </span></div><div class=\"ps19015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperioden betroffen sind, werden die \u00c4nderungen in der aktuellen und den folgenden Perioden ber\u00fccksichtigt. Die </span></div><div class=\"ps19016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen, Sch\u00e4tzungen und Ermessensentscheidungen betreffen im Wesentlichen die Risikovorsorgen im Kreditgesch\u00e4ft, den </span></div><div class=\"ps19017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert und die Wertminderung von Finanzinstrumenten, die latenten Steuern, R\u00fcckstellungen f\u00fcr Pensionen </span></div><div class=\"ps19018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und pensions\u00e4hnliche Verpflichtungen, R\u00fcckstellungen f\u00fcr Rechtsf\u00e4lle sowie die Berechnungen zur Ermittlung der Werthaltigkeit </span></div><div class=\"ps19019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Firmenwerten und die im Zuge der Erstkonsolidierung aktivierten immateriellen Verm\u00f6genswerte. Die tats\u00e4chlichen Werte </span></div><div class=\"ps19020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen von den gesch\u00e4tzten Werten abweichen.</span></div><div class=\"ps19021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zusammenhang mit Rasperia wurden folgende Sch\u00e4tzungen bzw. Ermessensentscheidungen getroffen: Aufgrund der </span></div><div class=\"ps19022 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ge\u00e4nderten Einsch\u00e4tzung des Managements hinsichtlich der Vollstreckung der Anspr\u00fcche in die \u00f6sterreichischen </span></div><div class=\"ps19023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6gensgegenst\u00e4nde der Rasperia wurden die erwarteten Erl\u00f6se in H\u00f6he von \u20ac 1.204 Millionen im Juni 2025 ausgebucht. Im <span class=\"f ps24\"> </span></span></div><div class=\"ps19024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2025 wurde f\u00fcr das zweite Rasperia-Verfahren eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebildet. Details dazu </span></div><div class=\"ps19026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps16819\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps19025\"> ersichtlich. Im Zusammenhang mit der Beurteilung der Kontrolle von AO Raiffeisenbank </span></div><div class=\"ps19027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 10 wird auf das Kapitel Konsequenzen und Analysen der kriegerischen Auseinandersetzung zwischen Russland und </span></div><div class=\"ps19028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Ukraine verwiesen.</span></div><div class=\"ps19029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der doppelten Wesentlichkeitsanalyse f\u00fcr die konsolidierte nichtfinanzielle Erkl\u00e4rung 2025 wurde die finanzielle </span></div><div class=\"ps19030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlichkeit von Nachhaltigkeitsaspekte im kurzfristigen, mittelfristigen und langfristigen Bereich betrachtet. Kurzfristig </span></div><div class=\"ps19031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">definiert als der Berichtszeitraum des Konzernabschlusses wurden keine wesentlichen finanziellen Risiken aus </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachhaltigkeitsaspekten festgestellt, bis auf Klagen in Zusammenhang mit Themen des Konsumentenschutzes. Daher enth\u00e4lt </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzernabschluss keine gesonderten Angaben zu nachhaltigkeitsbezogenen Unsicherheiten, die die Sch\u00e4tzungsannahmen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlich beeinflussen. Ein Zeitraum von mehr als f\u00fcnf Jahren wurde als langfristig betrachtet, wobei hier eine moderate </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wahrscheinlichkeit besteht, dass der Klimawandel das Kreditrisiko des Kundenportfolios erheblich beeinflusst. F\u00fcr weitere </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelheiten wird auf das Kapitel </span><span class=\"f charStyle-e6305a27 ps19032\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\">IRO-1: Verfahren zur Ermittlung und Bewertung der wesentlichen Auswirkungen, Risiken und </a></span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-e6305a27 ps17\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\">Chancen</a></span><span class=\"f charStyle-e6305a27 ps15453\"><a class=\"Hyperlink\" href=\"#i18e7a3558eec48e0848ad3d44f0d847e_41673\" style=\"z-index:1\"> </a></span><span class=\"f charStyle-9eccfdcb ps19033\">und Punkt</span><span class=\"f charStyle-9eccfdcb ps19034\"> </span><span class=\"f charStyle-9eccfdcb ps19035\">(31) Erwartete Kreditverluste</span><span class=\"f charStyle-9eccfdcb ps19036\"> verwiesen.</span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der geopolitischen Lage ist die RBI zudem erh\u00f6hten Risiken im Zusammenhang mit Fremdw\u00e4hrungsumrechnungen </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesetzt. Details dazu finden sich im Kapitel W\u00e4hrungsumrechnung.</span></div><div class=\"ps19037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Wertminderungen im Kreditgesch\u00e4ft<span id=\"if4406bcdd5314f5d85a3e58c2c68cfdf\"></span></span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ermittelt die erwarteten Kreditverluste (Expected Credit Losses, ECL) aus den als Verm\u00f6genswerte gehaltenen </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldinstrumenten, die zu fortgef\u00fchrten Anschaffungskosten bzw. erfolgsneutral zum Fair Value angesetzt werden, sowie aus </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzusagen, Leasingforderungen und Finanzgarantien. Die Berechnung erwarteter Kreditverluste erfordert die Anwendung </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Sch\u00e4tzungen, die von den tats\u00e4chlichen Ergebnissen abweichen k\u00f6nnen. Um die H\u00f6he der Wertminderung zu ermitteln, sind </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentliche Kreditrisikoparameter wie PD (Probability of Default), LGD (Loss Given Default) und EAD (Exposure at Default) sowie </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunfts</span><span class=\"f charStyle-9eccfdcb ps19039\">orientierte Informationen (Konjunkturprognosen) vom Management zu sch\u00e4tzen. Die erwarteten Kreditverluste werden </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu jedem Berichtsstichtag angepasst. IFRS 9 verlangt die Beurteilung, ob ein signifikanter Anstieg des Kreditrisikos vorliegt, ohne </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">detaillierte Leitlinien zu geben. Daher sind zur Beurteilung spezifische Regeln festgelegt worden, welche aus qualitativen </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen und quantitativen Schwellenwerten bestehen. Die Methoden zur Bestimmung der H\u00f6he der Wertminderung sind </span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9) erl\u00e4utert. Quantitative Angaben sowie Sensitivit\u00e4tsanalysen <span class=\"f ps24\"> </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps16819\">(31) Erwartete Kreditverluste</span><span class=\"f charStyle-9eccfdcb ps19045\"> dargest</span><span class=\"f charStyle-9eccfdcb ps19046\">ellt. Bei der Berechnung erwarteter Kreditverluste sind </span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen erforderlich, insbesondere bei der Ber\u00fccksichtigung von Risiken, die von den Modellen nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessen abgebildet werden wie Overlays und andere Risikofaktoren f\u00fcr Sanktions- und geopolitische Risiken.<span class=\"f ps24\"> </span></span></div><div class=\"ps19050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fair Value von Finanzinstrumenten <span id=\"i1b3790c702394520aa44fb8df9c50da8\"></span></span></div><div class=\"ps19051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der beizulegende Zeitwert (Fair Value) ist jener Preis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen Marktteilnehmer:innen </span></div><div class=\"ps19052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am Bemessungsstichtag f\u00fcr den Verkauf eines Verm\u00f6genswerts eingenommen bzw. f\u00fcr die \u00dcbertragung einer Schuld gezahlt </span></div><div class=\"ps19053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden w\u00fcrde. Dies gilt unabh\u00e4ngig davon, ob der Preis direkt beobachtbar oder unter Anwendung einer Bewertungsmethode </span></div><div class=\"ps19054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesch\u00e4tzt worden ist. Bei der Ermittlung des beizulegenden Zeitwerts eines Verm\u00f6genswerts oder einer Schuld ber\u00fccksichtigt </span></div><div class=\"ps19055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzern bestimmte Merkmale des Verm\u00f6genswerts oder der Schuld (z. B. Zustand und Standort des Verm\u00f6genswerts oder <span class=\"f ps24\"> </span></span></div><div class=\"ps19056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verkaufs- und Nutzungsbeschr\u00e4nkungen), wenn Marktteilnehmer:innen diese Merkmale bei der Preisfestlegung f\u00fcr den Erwerb </span></div><div class=\"ps19057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des jeweiligen Verm\u00f6genswerts oder die \u00dcbertragung der Schuld zum Bewertungsstichtag ebenfalls ber\u00fccksichtigen w\u00fcrden. <span class=\"f ps24\"> </span></span></div><div class=\"ps19058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist der Markt f\u00fcr ein Finanzinstrument nicht aktiv, wird der Fair Value anhand einer Bewertungsmethode oder eines <span class=\"f ps24\"> </span></span></div><div class=\"ps19059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preismodells ermittelt. Generell werden f\u00fcr Bewertungsmethoden Sch\u00e4tzungen herangezogen, deren Ausma\u00df von der </span></div><div class=\"ps19060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Komplexit\u00e4t des Instruments und der Verf\u00fcgbarkeit marktbasierter Daten abh\u00e4ngt. Die Input-Parameter f\u00fcr diese Modelle </span></div><div class=\"ps19061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden so weit wie m\u00f6glich von beobachtbaren Marktdaten abgeleitet, trotzdem sind vielfach nicht beobachtbare Marktdaten </span></div><div class=\"ps19062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich. Unter Umst\u00e4nden sind Bewertungsanpassungen notwendig, um weiteren Faktoren wie Modellrisiken, </span></div><div class=\"ps19063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisiken oder Kreditrisiken Rechnung zu tragen. Die Beschreibung der Bewertungsmodelle findet sich im Abschnitt </span></div><div class=\"ps19064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten. Zus\u00e4tzlich werden die Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps19068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Values von Finanzinstrumenten unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19065\">(23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten</span><span class=\"f charStyle-9eccfdcb ps19066\"> </span><span class=\"f charStyle-9eccfdcb ps19067\">dargestellt. </span></div><div class=\"ps19069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">R\u00fcckstellungen f\u00fcr Rechtsstreitigkeiten<span id=\"i272d300e15e04fd0b670227f6bab3bc2\"></span></span></div><div class=\"ps19070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen werden gebildet, wenn der Konzern eine gegenw\u00e4rtige Verpflichtung aus einem vergangenen Ereignis hat und </span></div><div class=\"ps19071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sowohl wahrscheinlich ist, dass er verpflichtet sein wird, diese zu erf\u00fcllen, als auch eine verl\u00e4ssliche Sch\u00e4tzung des Betrags </span></div><div class=\"ps19072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glich ist. Der angesetzte R\u00fcckstellungsbetrag ist der am Bilanzstichtag bestm\u00f6gliche Sch\u00e4tzwert f\u00fcr die Leistung, die unter </span></div><div class=\"ps19073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der der Verpflichtung zugrunde liegenden Risiken und Unsicherheiten hinzugeben ist, um die gegenw\u00e4rtige </span></div><div class=\"ps19074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtung zu erf\u00fcllen. Risiken und Unsicherheiten sind bei der Sch\u00e4tzung ber\u00fccksichtigt. In einigen F\u00e4llen werden Klagen von </span></div><div class=\"ps19075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Reihe von Privatkund:innen eingebracht. Der Bemessung der R\u00fcckstellung wird in solchen F\u00e4llen ein statistischer Ansatz </span></div><div class=\"ps19076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde gelegt. Diese Ans\u00e4tze ber\u00fccksichtigen sowohl statistische Daten, soweit diese relevant sind, als auch </span></div><div class=\"ps19077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen, insbesondere im Zusammenhang mit den zuk\u00fcnftig erwarteten Klagen und Verlusten. Details zu </span></div><div class=\"ps19078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen insbesondere f\u00fcr CHF- und Euro-Kredite in Polen sowie die R\u00fcckstellung betreffend die Rechtsstreitigkeit </span></div><div class=\"ps19081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia in Russland sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19079\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps19080\"> dargestellt.</span></div><div class=\"ps19082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">R\u00fcckstellung f\u00fcr Pensionen und pensions\u00e4hnliche Verpflichtungen <span id=\"i76ca121668394c61a79ad5c5c1ef5604\"></span></span></div><div class=\"ps19083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kosten des leistungsorientierten Pensionsplans werden mittels versicherungsmathematischer Verfahren bewertet. Die </span></div><div class=\"ps19084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versicherungsmathematische Bewertung basiert auf Annahmen zu k\u00fcnftigen Gehaltsentwicklungen, Sterblichkeit und <span class=\"f ps24\"> </span></span></div><div class=\"ps19085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00fcnftigen Pensionsanhebungen. Eine erhebliche Ermessensentscheidung ist hier bei der Festlegung der Parameter notwendig. <span class=\"f ps24\"> </span></span></div><div class=\"ps19086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bestimmung des Rechnungszinssatzes wird zur Ableitung von erwarteten Renditen auf die Zinsempfehlung von Mercer </span></div><div class=\"ps19087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcckgegriffen. Die wesentlichen Kriterien bei der Auswahl der Unternehmensanleihen beinhalten das Ausgabevolumen und </span></div><div class=\"ps19088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Qualit\u00e4t der Anleihen sowie die Identifizierung von Ausrei\u00dfern, die nicht ber\u00fccksichtigt werden. Annahmen und Sch\u00e4tzungen, </span></div><div class=\"ps19089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die f\u00fcr die Berechnung langfristiger Personalverpflichtungen angewandt werden, sind im Abschnitt Verpflichtungen f\u00fcr </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionen und aus anderen Leistungen nach der Beendigung des Arbeitsverh\u00e4ltnisses beschrieben. Quantitative Angaben zu </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Personalr\u00fcckstellungen finden sich unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19091\">(27) R\u00fcckstellungen</span><span class=\"f charStyle-9eccfdcb ps19092\">.</span></div><div class=\"ps13775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aktive latente Steuern<span id=\"i335f03667dfc4708a5e96e1e52df3d2e\"></span></span></div><div class=\"ps19093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Latente Steuerforderungen werden in dem Umfang ausgewiesen, in dem es wahrscheinlich ist, dass zuk\u00fcnftig ausreichend zu </span></div><div class=\"ps19094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versteuernde Ergebnisse zur Verf\u00fcgung stehen werden, mit denen diese steuerlichen Verlustvortr\u00e4ge, Steuerguthaben oder </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steuerlich abzugsf\u00e4higen tempor\u00e4ren Differenzen verrechnet werden k\u00f6nnen. Dazu wird ein Planungshorizont von f\u00fcnf Jahren </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herangezogen. In diesem Zeitraum ist auf Basis der Planung eine verl\u00e4ssliche Sch\u00e4tzung der steuerlichen Ergebnisse m\u00f6glich. </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Bewertung erfordert in ma\u00dfgeblichem Umfang Beurteilungen und Einsch\u00e4tzungen seitens des Managements. Das </span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management verwendet f\u00fcr die Bestimmung der latenten Steuerforderungen historische Erkenntnisse zu Steuerkapazit\u00e4t und </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Profitabilit\u00e4t sowie gegebenenfalls prognostizierte Gesch\u00e4ftsergebnisse auf Basis genehmigter Gesch\u00e4ftspl\u00e4ne einschlie\u00dflich </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Pr\u00fcfung der Vortragsf\u00e4higkeit steuerlicher Verlustvortr\u00e4ge. Quantitative Angaben zu latenten Steuern finden sich unter </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Punkt</span><span class=\"f charStyle-9eccfdcb ps19101\"> </span><span class=\"f charStyle-9eccfdcb ps19102\">(11) Steuern</span><span class=\"f charStyle-9eccfdcb ps19103\">.</span></div><div class=\"ps19105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberpr\u00fcfung der Charakteristika der vertraglichen Zahlungsstr\u00f6me<span id=\"i0bf8c1515ea84755a164c257cdecbd2e\"></span></span></div><div class=\"ps19106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Neben der Gesch\u00e4ftsmodellbedingung ist auch eine Analyse der Zahlungsstr\u00f6me eines finanziellen Verm\u00f6genswerts notwendig, </span></div><div class=\"ps19107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um eine Zuordnung in die Bewertungskategorien zu fortgef\u00fchrten Anschaffungskosten oder at Fair Value Through Other </span></div><div class=\"ps19108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Comprehensive Income zu erreichen. Um die Zahlungsstrombedingung zu erf\u00fcllen, d\u00fcrfen die Zahlungsstr\u00f6me lediglich aus Zins- </span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Tilgungszahlungen des ausstehenden Kapitalbetrags bestehen. Diese Analyse, ob es sich bei vertraglichen Cash-Flows </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte ausschlie\u00dflich um Zins- und Tilgungszahlungen handelt, unterliegt wesentlichen <span class=\"f ps24\"> </span></span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen. In der RBI werden unter Ber\u00fccksichtigung der einzelnen Vertragsmerkmale von finanziellen </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten Ermessensentscheidungen im Wesentlichen bei Krediten, die mit inkongruenten Zinskomponenten </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgestattet sind, getroffen. Um einsch\u00e4tzen zu k\u00f6nnen, ob die Zahlungsstrombedingung erf\u00fcllt ist, ist unter Umst\u00e4nden zur </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beurteilung eines ver\u00e4nderten Elements f\u00fcr den Zeitwert des Geldes ein Benchmark-Test notwendig. </span></div><div class=\"ps19115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest des Firmenwerts<span id=\"icd2892bc469148e6bc36feed5538baed\"></span></span></div><div class=\"ps19116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden j\u00e4hrlich auf Ebene zahlungsmittelgenerierender Einheiten auf ihren k\u00fcnftigen wirtschaftlichen Nutzen </span></div><div class=\"ps19117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberpr\u00fcft. Sollte es w\u00e4hrend des laufenden Gesch\u00e4ftsjahres Anhaltspunkte geben, dass eine Wertminderung vorliegen k\u00f6nnte, </span></div><div class=\"ps19118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird ein Werthaltigkeitstest zum jeweiligen Bilanzstichtag durchgef\u00fchrt. Im Zuge des Werthaltigkeitstests sind wesentliche </span></div><div class=\"ps19119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidungen, Annahmen und Sch\u00e4tzungen insbesondere hinsichtlich des Zeitpunkts und der H\u00f6he der zuk\u00fcnftigen <span class=\"f ps24\"> </span></span></div><div class=\"ps19124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Cash-Flows und des Diskontierungszinssatzes erforderlich. Siehe auch Punk</span><span class=\"f charStyle-9eccfdcb ps19120\">t </span><span class=\"f charStyle-9eccfdcb ps19121\">(8) \u00dcbriges Ergebnis</span><span class=\"f charStyle-9eccfdcb ps19122\"> und Punkt </span><span class=\"f charStyle-9eccfdcb ps19123\">(25) </span></div><span class=\"f charStyle-9eccfdcb ps17\">Sachanlagen und immaterielle Verm\u00f6genswerte</span><span class=\"f charStyle-9eccfdcb ps19125\">.</span><div class=\"ps19128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeit von at-equity bewerteten Unternehmen<span id=\"ifcfaf3bf06fd4be495522ff9aa03b403\"></span></span></div><div class=\"ps19129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Buchwerte der at-equity bewerteten Unternehmen sind auf ihre Werthaltigkeit zu pr\u00fcfen, wenn objektive Anzeichen f\u00fcr eine </span></div><div class=\"ps19130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorliegen. Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer </span></div><div class=\"ps19131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligung h\u00f6her ist als ihr erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die als Anzeichen <span class=\"f ps24\"> </span></span></div><div class=\"ps19132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr eine Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein </span></div><div class=\"ps19133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnte, wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. Wenn die objektiven Anzeichen einer Wertminderung nicht </span></div><div class=\"ps19134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr vorliegen, kommt es zu einer Wertaufholung. Diese Wertaufholung erfolgt jedoch nur bis zum Betrag, der sich ergeben </span></div><div class=\"ps19135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte, wenn keine Wertminderung erfasst worden w\u00e4re. Das bedeutet, dass der Buchwert des Anteils an dem assoziierten </span></div><div class=\"ps19136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen nicht \u00fcber dem anteiligen Eigenkapital liegen darf. Die wesentlichen Ermessensentscheidungen und Sch\u00e4tzungen </span></div><div class=\"ps19137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Zusammenhang mit dem Werthaltigkeitstest betreffen insbesondere den Diskontierungszinssatz, die Planungsannahmen </span></div><div class=\"ps19140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und die k\u00fcnftigen zu erwartenden Zahlungsstr\u00f6me. Details sind unter Punkt</span><span class=\"f charStyle-9eccfdcb ps19138\"> </span><span class=\"f charStyle-9eccfdcb ps19139\">(24) Anteile an Tochterunternehmen und </span></div><div class=\"ps19142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">assoziierten Unternehmen</span><span class=\"f charStyle-9eccfdcb ps19141\"> dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAssetsAndLiabilitiesWithSignificantRiskOfMaterialAdjustmentExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-412": {
   "value": "Wesentliche bilanzielle Ermessensspielr\u00e4ume und Hauptquellen von Sch\u00e4tzungsunsicherheitenSind f\u00fcr die Bilanzierung und Bewertung nach IAS/IFRS Sch\u00e4tzungen oder Beurteilungen erforderlich, werden diese in  \u00dcbereinstimmung mit den jeweiligen Standards vorgenommen. Sie basieren auf historischen Erfahrungen und anderen Faktoren wie Planungen und nach heutigem Ermessen wahrscheinlichen Erwartungen oder Prognosen zuk\u00fcnftiger Ereignisse. Die den Sch\u00e4tzungen zugrunde liegenden Annahmen unterliegen einer regelm\u00e4\u00dfigen \u00dcberpr\u00fcfung. \u00c4nderungen von Sch\u00e4tzungen werden, sofern sie nur eine Periode betreffen, nur in dieser ber\u00fccksichtigt. Falls auch nachfolgende Berichtsperioden betroffen sind, werden die \u00c4nderungen in der aktuellen und den folgenden Perioden ber\u00fccksichtigt. Die Annahmen, Sch\u00e4tzungen und Ermessensentscheidungen betreffen im Wesentlichen die Risikovorsorgen im Kreditgesch\u00e4ft, den beizulegenden Zeitwert und die Wertminderung von Finanzinstrumenten, die latenten Steuern, R\u00fcckstellungen f\u00fcr Pensionen und pensions\u00e4hnliche Verpflichtungen, R\u00fcckstellungen f\u00fcr Rechtsf\u00e4lle sowie die Berechnungen zur Ermittlung der Werthaltigkeit von Firmenwerten und die im Zuge der Erstkonsolidierung aktivierten immateriellen Verm\u00f6genswerte. Die tats\u00e4chlichen Werte k\u00f6nnen von den gesch\u00e4tzten Werten abweichen.Im Zusammenhang mit Rasperia wurden folgende Sch\u00e4tzungen bzw. Ermessensentscheidungen getroffen: Aufgrund der ge\u00e4nderten Einsch\u00e4tzung des Managements hinsichtlich der Vollstreckung der Anspr\u00fcche in die \u00f6sterreichischen Verm\u00f6gensgegenst\u00e4nde der Rasperia wurden die erwarteten Erl\u00f6se in H\u00f6he von \u20ac 1.204 Millionen im Juni 2025 ausgebucht. Im  Dezember 2025 wurde f\u00fcr das zweite Rasperia-Verfahren eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebildet. Details dazu sind unter Punkt (45) Offene Rechtsf\u00e4lle ersichtlich. Im Zusammenhang mit der Beurteilung der Kontrolle von AO Raiffeisenbank gem\u00e4\u00df IFRS 10 wird auf das Kapitel Konsequenzen und Analysen der kriegerischen Auseinandersetzung zwischen Russland und der Ukraine verwiesen.In der doppelten Wesentlichkeitsanalyse f\u00fcr die konsolidierte nichtfinanzielle Erkl\u00e4rung 2025 wurde die finanzielle Wesentlichkeit von Nachhaltigkeitsaspekte im kurzfristigen, mittelfristigen und langfristigen Bereich betrachtet. Kurzfristig definiert als der Berichtszeitraum des Konzernabschlusses wurden keine wesentlichen finanziellen Risiken aus Nachhaltigkeitsaspekten festgestellt, bis auf Klagen in Zusammenhang mit Themen des Konsumentenschutzes. Daher enth\u00e4lt der Konzernabschluss keine gesonderten Angaben zu nachhaltigkeitsbezogenen Unsicherheiten, die die Sch\u00e4tzungsannahmen wesentlich beeinflussen. Ein Zeitraum von mehr als f\u00fcnf Jahren wurde als langfristig betrachtet, wobei hier eine moderate Wahrscheinlichkeit besteht, dass der Klimawandel das Kreditrisiko des Kundenportfolios erheblich beeinflusst. F\u00fcr weitere Einzelheiten wird auf das Kapitel IRO-1: Verfahren zur Ermittlung und Bewertung der wesentlichen Auswirkungen, Risiken und Chancen und Punkt (31) Erwartete Kreditverluste verwiesen.Im Rahmen der geopolitischen Lage ist die RBI zudem erh\u00f6hten Risiken im Zusammenhang mit Fremdw\u00e4hrungsumrechnungen ausgesetzt. Details dazu finden sich im Kapitel W\u00e4hrungsumrechnung.Wertminderungen im Kreditgesch\u00e4ftDie RBI ermittelt die erwarteten Kreditverluste (Expected Credit Losses, ECL) aus den als Verm\u00f6genswerte gehaltenen Schuldinstrumenten, die zu fortgef\u00fchrten Anschaffungskosten bzw. erfolgsneutral zum Fair Value angesetzt werden, sowie aus Kreditzusagen, Leasingforderungen und Finanzgarantien. Die Berechnung erwarteter Kreditverluste erfordert die Anwendung von Sch\u00e4tzungen, die von den tats\u00e4chlichen Ergebnissen abweichen k\u00f6nnen. Um die H\u00f6he der Wertminderung zu ermitteln, sind wesentliche Kreditrisikoparameter wie PD (Probability of Default), LGD (Loss Given Default) und EAD (Exposure at Default) sowie zukunftsorientierte Informationen (Konjunkturprognosen) vom Management zu sch\u00e4tzen. Die erwarteten Kreditverluste werden zu jedem Berichtsstichtag angepasst. IFRS 9 verlangt die Beurteilung, ob ein signifikanter Anstieg des Kreditrisikos vorliegt, ohne detaillierte Leitlinien zu geben. Daher sind zur Beurteilung spezifische Regeln festgelegt worden, welche aus qualitativen Informationen und quantitativen Schwellenwerten bestehen. Die Methoden zur Bestimmung der H\u00f6he der Wertminderung sind im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9) erl\u00e4utert. Quantitative Angaben sowie Sensitivit\u00e4tsanalysen  sind unter Punkt (31) Erwartete Kreditverluste dargestellt. Bei der Berechnung erwarteter Kreditverluste sind Ermessensentscheidungen erforderlich, insbesondere bei der Ber\u00fccksichtigung von Risiken, die von den Modellen nicht  angemessen abgebildet werden wie Overlays und andere Risikofaktoren f\u00fcr Sanktions- und geopolitische Risiken. Fair Value von Finanzinstrumenten Der beizulegende Zeitwert (Fair Value) ist jener Preis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen Marktteilnehmer:innen am Bemessungsstichtag f\u00fcr den Verkauf eines Verm\u00f6genswerts eingenommen bzw. f\u00fcr die \u00dcbertragung einer Schuld gezahlt werden w\u00fcrde. Dies gilt unabh\u00e4ngig davon, ob der Preis direkt beobachtbar oder unter Anwendung einer Bewertungsmethode gesch\u00e4tzt worden ist. Bei der Ermittlung des beizulegenden Zeitwerts eines Verm\u00f6genswerts oder einer Schuld ber\u00fccksichtigt der Konzern bestimmte Merkmale des Verm\u00f6genswerts oder der Schuld (z. B. Zustand und Standort des Verm\u00f6genswerts oder  Verkaufs- und Nutzungsbeschr\u00e4nkungen), wenn Marktteilnehmer:innen diese Merkmale bei der Preisfestlegung f\u00fcr den Erwerb des jeweiligen Verm\u00f6genswerts oder die \u00dcbertragung der Schuld zum Bewertungsstichtag ebenfalls ber\u00fccksichtigen w\u00fcrden.  Ist der Markt f\u00fcr ein Finanzinstrument nicht aktiv, wird der Fair Value anhand einer Bewertungsmethode oder eines  Preismodells ermittelt. Generell werden f\u00fcr Bewertungsmethoden Sch\u00e4tzungen herangezogen, deren Ausma\u00df von der Komplexit\u00e4t des Instruments und der Verf\u00fcgbarkeit marktbasierter Daten abh\u00e4ngt. Die Input-Parameter f\u00fcr diese Modelle werden so weit wie m\u00f6glich von beobachtbaren Marktdaten abgeleitet, trotzdem sind vielfach nicht beobachtbare Marktdaten erforderlich. Unter Umst\u00e4nden sind Bewertungsanpassungen notwendig, um weiteren Faktoren wie Modellrisiken, Liquidit\u00e4tsrisiken oder Kreditrisiken Rechnung zu tragen. Die Beschreibung der Bewertungsmodelle findet sich im Abschnitt Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten. Zus\u00e4tzlich werden die Fair  Values von Finanzinstrumenten unter Punkt (23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten dargestellt. R\u00fcckstellungen f\u00fcr RechtsstreitigkeitenR\u00fcckstellungen werden gebildet, wenn der Konzern eine gegenw\u00e4rtige Verpflichtung aus einem vergangenen Ereignis hat und es sowohl wahrscheinlich ist, dass er verpflichtet sein wird, diese zu erf\u00fcllen, als auch eine verl\u00e4ssliche Sch\u00e4tzung des Betrags m\u00f6glich ist. Der angesetzte R\u00fcckstellungsbetrag ist der am Bilanzstichtag bestm\u00f6gliche Sch\u00e4tzwert f\u00fcr die Leistung, die unter Ber\u00fccksichtigung der der Verpflichtung zugrunde liegenden Risiken und Unsicherheiten hinzugeben ist, um die gegenw\u00e4rtige Verpflichtung zu erf\u00fcllen. Risiken und Unsicherheiten sind bei der Sch\u00e4tzung ber\u00fccksichtigt. In einigen F\u00e4llen werden Klagen von einer Reihe von Privatkund:innen eingebracht. Der Bemessung der R\u00fcckstellung wird in solchen F\u00e4llen ein statistischer Ansatz zugrunde gelegt. Diese Ans\u00e4tze ber\u00fccksichtigen sowohl statistische Daten, soweit diese relevant sind, als auch Expertenmeinungen, insbesondere im Zusammenhang mit den zuk\u00fcnftig erwarteten Klagen und Verlusten. Details zu R\u00fcckstellungen insbesondere f\u00fcr CHF- und Euro-Kredite in Polen sowie die R\u00fcckstellung betreffend die Rechtsstreitigkeit Rasperia in Russland sind unter Punkt (45) Offene Rechtsf\u00e4lle dargestellt.R\u00fcckstellung f\u00fcr Pensionen und pensions\u00e4hnliche Verpflichtungen Die Kosten des leistungsorientierten Pensionsplans werden mittels versicherungsmathematischer Verfahren bewertet. Die versicherungsmathematische Bewertung basiert auf Annahmen zu k\u00fcnftigen Gehaltsentwicklungen, Sterblichkeit und  k\u00fcnftigen Pensionsanhebungen. Eine erhebliche Ermessensentscheidung ist hier bei der Festlegung der Parameter notwendig.  F\u00fcr die Bestimmung des Rechnungszinssatzes wird zur Ableitung von erwarteten Renditen auf die Zinsempfehlung von Mercer zur\u00fcckgegriffen. Die wesentlichen Kriterien bei der Auswahl der Unternehmensanleihen beinhalten das Ausgabevolumen und die Qualit\u00e4t der Anleihen sowie die Identifizierung von Ausrei\u00dfern, die nicht ber\u00fccksichtigt werden. Annahmen und Sch\u00e4tzungen, die f\u00fcr die Berechnung langfristiger Personalverpflichtungen angewandt werden, sind im Abschnitt Verpflichtungen f\u00fcr Pensionen und aus anderen Leistungen nach der Beendigung des Arbeitsverh\u00e4ltnisses beschrieben. Quantitative Angaben zu langfristigen Personalr\u00fcckstellungen finden sich unter Punkt (27) R\u00fcckstellungen.Aktive latente SteuernLatente Steuerforderungen werden in dem Umfang ausgewiesen, in dem es wahrscheinlich ist, dass zuk\u00fcnftig ausreichend zu versteuernde Ergebnisse zur Verf\u00fcgung stehen werden, mit denen diese steuerlichen Verlustvortr\u00e4ge, Steuerguthaben oder steuerlich abzugsf\u00e4higen tempor\u00e4ren Differenzen verrechnet werden k\u00f6nnen. Dazu wird ein Planungshorizont von f\u00fcnf Jahren herangezogen. In diesem Zeitraum ist auf Basis der Planung eine verl\u00e4ssliche Sch\u00e4tzung der steuerlichen Ergebnisse m\u00f6glich. Diese Bewertung erfordert in ma\u00dfgeblichem Umfang Beurteilungen und Einsch\u00e4tzungen seitens des Managements. Das Management verwendet f\u00fcr die Bestimmung der latenten Steuerforderungen historische Erkenntnisse zu Steuerkapazit\u00e4t und Profitabilit\u00e4t sowie gegebenenfalls prognostizierte Gesch\u00e4ftsergebnisse auf Basis genehmigter Gesch\u00e4ftspl\u00e4ne einschlie\u00dflich einer Pr\u00fcfung der Vortragsf\u00e4higkeit steuerlicher Verlustvortr\u00e4ge. Quantitative Angaben zu latenten Steuern finden sich unter Punkt (11) Steuern.\u00dcberpr\u00fcfung der Charakteristika der vertraglichen Zahlungsstr\u00f6meNeben der Gesch\u00e4ftsmodellbedingung ist auch eine Analyse der Zahlungsstr\u00f6me eines finanziellen Verm\u00f6genswerts notwendig, um eine Zuordnung in die Bewertungskategorien zu fortgef\u00fchrten Anschaffungskosten oder at Fair Value Through Other Comprehensive Income zu erreichen. Um die Zahlungsstrombedingung zu erf\u00fcllen, d\u00fcrfen die Zahlungsstr\u00f6me lediglich aus Zins- und Tilgungszahlungen des ausstehenden Kapitalbetrags bestehen. Diese Analyse, ob es sich bei vertraglichen Cash-Flows finanzieller Verm\u00f6genswerte ausschlie\u00dflich um Zins- und Tilgungszahlungen handelt, unterliegt wesentlichen  Ermessensentscheidungen. In der RBI werden unter Ber\u00fccksichtigung der einzelnen Vertragsmerkmale von finanziellen Verm\u00f6genswerten Ermessensentscheidungen im Wesentlichen bei Krediten, die mit inkongruenten Zinskomponenten ausgestattet sind, getroffen. Um einsch\u00e4tzen zu k\u00f6nnen, ob die Zahlungsstrombedingung erf\u00fcllt ist, ist unter Umst\u00e4nden zur Beurteilung eines ver\u00e4nderten Elements f\u00fcr den Zeitwert des Geldes ein Benchmark-Test notwendig. Werthaltigkeitstest des FirmenwertsAlle Firmenwerte werden j\u00e4hrlich auf Ebene zahlungsmittelgenerierender Einheiten auf ihren k\u00fcnftigen wirtschaftlichen Nutzen \u00fcberpr\u00fcft. Sollte es w\u00e4hrend des laufenden Gesch\u00e4ftsjahres Anhaltspunkte geben, dass eine Wertminderung vorliegen k\u00f6nnte, wird ein Werthaltigkeitstest zum jeweiligen Bilanzstichtag durchgef\u00fchrt. Im Zuge des Werthaltigkeitstests sind wesentliche Ermessensentscheidungen, Annahmen und Sch\u00e4tzungen insbesondere hinsichtlich des Zeitpunkts und der H\u00f6he der zuk\u00fcnftigen  erwarteten Cash-Flows und des Diskontierungszinssatzes erforderlich. Siehe auch Punkt (8) \u00dcbriges Ergebnis und Punkt (25) Sachanlagen und immaterielle Verm\u00f6genswerte.Werthaltigkeit von at-equity bewerteten UnternehmenDie Buchwerte der at-equity bewerteten Unternehmen sind auf ihre Werthaltigkeit zu pr\u00fcfen, wenn objektive Anzeichen f\u00fcr eine Wertminderung vorliegen. Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer Beteiligung h\u00f6her ist als ihr erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die als Anzeichen  f\u00fcr eine Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein k\u00f6nnte, wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. Wenn die objektiven Anzeichen einer Wertminderung nicht mehr vorliegen, kommt es zu einer Wertaufholung. Diese Wertaufholung erfolgt jedoch nur bis zum Betrag, der sich ergeben h\u00e4tte, wenn keine Wertminderung erfasst worden w\u00e4re. Das bedeutet, dass der Buchwert des Anteils an dem assoziierten Unternehmen nicht \u00fcber dem anteiligen Eigenkapital liegen darf. Die wesentlichen Ermessensentscheidungen und Sch\u00e4tzungen im Zusammenhang mit dem Werthaltigkeitstest betreffen insbesondere den Diskontierungszinssatz, die Planungsannahmen und die k\u00fcnftigen zu erwartenden Zahlungsstr\u00f6me. Details sind unter Punkt (24) Anteile an Tochterunternehmen und assoziierten Unternehmen dargestellt.",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-415": {
   "value": "<div class=\"ps19050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fair Value von Finanzinstrumenten <span id=\"i1b3790c702394520aa44fb8df9c50da8\"></span></span></div><div class=\"ps19051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der beizulegende Zeitwert (Fair Value) ist jener Preis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen Marktteilnehmer:innen </span></div><div class=\"ps19052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am Bemessungsstichtag f\u00fcr den Verkauf eines Verm\u00f6genswerts eingenommen bzw. f\u00fcr die \u00dcbertragung einer Schuld gezahlt </span></div><div class=\"ps19053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden w\u00fcrde. Dies gilt unabh\u00e4ngig davon, ob der Preis direkt beobachtbar oder unter Anwendung einer Bewertungsmethode </span></div><div class=\"ps19054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesch\u00e4tzt worden ist. Bei der Ermittlung des beizulegenden Zeitwerts eines Verm\u00f6genswerts oder einer Schuld ber\u00fccksichtigt </span></div><div class=\"ps19055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzern bestimmte Merkmale des Verm\u00f6genswerts oder der Schuld (z. B. Zustand und Standort des Verm\u00f6genswerts oder <span class=\"f ps24\"> </span></span></div><div class=\"ps19056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verkaufs- und Nutzungsbeschr\u00e4nkungen), wenn Marktteilnehmer:innen diese Merkmale bei der Preisfestlegung f\u00fcr den Erwerb </span></div><div class=\"ps19057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des jeweiligen Verm\u00f6genswerts oder die \u00dcbertragung der Schuld zum Bewertungsstichtag ebenfalls ber\u00fccksichtigen w\u00fcrden. <span class=\"f ps24\"> </span></span></div><div class=\"ps19058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist der Markt f\u00fcr ein Finanzinstrument nicht aktiv, wird der Fair Value anhand einer Bewertungsmethode oder eines <span class=\"f ps24\"> </span></span></div><div class=\"ps19059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preismodells ermittelt. Generell werden f\u00fcr Bewertungsmethoden Sch\u00e4tzungen herangezogen, deren Ausma\u00df von der </span></div><div class=\"ps19060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Komplexit\u00e4t des Instruments und der Verf\u00fcgbarkeit marktbasierter Daten abh\u00e4ngt. Die Input-Parameter f\u00fcr diese Modelle </span></div><div class=\"ps19061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden so weit wie m\u00f6glich von beobachtbaren Marktdaten abgeleitet, trotzdem sind vielfach nicht beobachtbare Marktdaten </span></div><div class=\"ps19062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich. Unter Umst\u00e4nden sind Bewertungsanpassungen notwendig, um weiteren Faktoren wie Modellrisiken, </span></div><div class=\"ps19063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisiken oder Kreditrisiken Rechnung zu tragen. Die Beschreibung der Bewertungsmodelle findet sich im Abschnitt </span></div><div class=\"ps19064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten. Zus\u00e4tzlich werden die Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps19068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Values von Finanzinstrumenten unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19065\">(23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten</span><span class=\"f charStyle-9eccfdcb ps19066\"> </span><span class=\"f charStyle-9eccfdcb ps19067\">dargestellt. </span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(16) Fair Value von Finanzinstrumenten, die nicht zum Fair Value <span id=\"i61ecd333326d4012893dac48c3034f3f\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-27958eee ps17\">ausgewiesen werden</span><span class=\"f charStyle-27958eee\"><span class=\"ps21809\"><span style=\"display:inline-block;height:9.88pt;width:21.99pt\"></span></span></span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr folgende Instrumente wird der beizulegende Zeitwert nur f\u00fcr Zwecke der Anhangangaben kalkuliert und hat weder Einfluss </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die Konzernbilanz noch auf die Konzern-Erfolgsrechnung. F\u00fcr alle kurzfristigen Transaktionen (Transaktionen mit einer <span class=\"f ps24\"> </span></span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeit von bis zu drei Monaten) wird eine vereinfachte Fair-Value-Berechnungsmethode f\u00fcr Kredite und Forderungen </span></div><div class=\"ps21810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewendet. Der beizulegende Zeitwert dieser kurzfristigen Transaktionen entspricht dem Buchwert des Produkts. F\u00fcr die </span></div><div class=\"ps21811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Transaktionen wird die im Abschnitt Fair Value von zum Fair Value ausgewiesenen Finanzinstrumenten beschriebene </span></div><div class=\"ps21812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Methode angewendet.</span></div><div class=\"ps21853 ss0\"><div class=\"ss1231 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13344\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21814 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1081\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps9088\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21375 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21816\">Fair Value<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21817 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps2094\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11191\">Differenz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17674 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21819 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21820 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21821 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21822 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19412 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12736 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21823\">33.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13222 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps10459\">1.947<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17959 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21824\">119.632<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21825 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5943\">155.028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21826 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps3158\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19585 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1654\">-481<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12745 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps6818\">33.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13233 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21641\">1.947<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17965 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps8533\">2.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps6990\">38.026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21828 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps3117\">38.150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19429 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps19400\">-124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12756 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13244 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18613\">117.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18613\">117.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21831 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11470\">117.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19436 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11549\">-356<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12777 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8722\">1.145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13269 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps12707\">18.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7023\">150.990<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21833 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1476\">171.086<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21834 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13100\">170.225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21835 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16896\">861<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13282 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21836 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">148.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">148.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">147.849<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21840 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21839\">479<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12795 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13577\">1.145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps20487\">18.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21841 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps184\">1.375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21842\">21.471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21844 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps1604\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21845 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21839\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12803 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21847 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21849 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19794 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1232\"><div><div class=\"ps3120 ss1231\"><span class=\"f charStyle-2babd150 ps30\">1 Gem\u00e4\u00df IFRS 7 sind Leasingverbindlichkeiten nicht enthalten.<span class=\"f ps24\"> </span></span></div><div class=\"ps21850 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level I Notierte Marktpreise<span class=\"f ps24\"> </span></span></div><div class=\"ps21851 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level II Auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div><div class=\"ps21852 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level III Nicht auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21866 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps534\">Fair Value<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1664\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps21854\">Differenz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17674 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17675 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17677 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16646 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17678 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17679 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12736 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12766\">26.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21856 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6493\">1.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17163 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps9403\">118.021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21857 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6462\">146.530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12455\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21858 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps7196\">-1.171<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12745 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21859\">26.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21860 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19568\">1.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17171 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">1.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1608\">30.473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17173 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16642\">30.783<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21862\">-310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12756 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17692 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17693 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21864\">116.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17694 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21864\">116.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17696 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8907\">116.919<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17765\">-862<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12472\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18025\">18.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11488\">143.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11462\">162.361<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11547\">162.951<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps13003\">-590<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12470\">139.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12470\">139.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11446\">140.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps297\">-889<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12795 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21865\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17717 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10573\">18.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17718 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">1.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17719 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps330\">21.301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17720 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12445\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17721 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1623\">298<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12803 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17723 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17724 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17725 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11525 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11527 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1233\"><div><div class=\"ps3120 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Gem\u00e4\u00df IFRS 7 sind Leasingverbindlichkeiten nicht enthalten.<span class=\"f ps24\"> </span></span></div><div class=\"ps21850 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level I Notierte Marktpreise<span class=\"f ps24\"> </span></span></div><div class=\"ps21851 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level II Auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div><div class=\"ps21852 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level III Nicht auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Zum Fair Value bewertete Finanzinstrumente<span id=\"i845d733410504a4ca47a2e289e210bc5\"></span></span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(17) Finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive <span id=\"i83a39ae3550a41f28739760e426e4263\"></span></span></div><div class=\"ps5602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Income</span></div><div class=\"ps5603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Fremdkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn beide der </span></div><div class=\"ps5604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden Bedingungen erf\u00fcllt sind:<span class=\"f ps24\"> </span></span></div><div class=\"ps15710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert wird im Rahmen eines Gesch\u00e4ftsmodells gehalten, dessen Zielsetzung darin besteht, sowohl </span></div><div class=\"ps15712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vertragliche Cash-Flows zu vereinnahmen als auch finanzielle Verm\u00f6genswerte zu ver\u00e4u\u00dfern.</span></div><div class=\"ps21867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die vertraglichen Ausstattungsmerkmale des Verm\u00f6genswerts f\u00fchren an festgelegten Zeitpunkten zu Cash-Flows, <span class=\"f ps24\"> </span></span></div><div class=\"ps21868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen.</span></div><div class=\"ps21869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Kategorie werden vor allem Wertpapiere der Liquidit\u00e4tssteuerung zugeordnet.</span></div><div class=\"ps21870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bewertung erfolgt zum beizulegenden Zeitwert. Zinsertr\u00e4ge, Fremdw\u00e4hrungsgewinne und -verluste aus der Neubewertung </span></div><div class=\"ps21871 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie Wertminderungsaufwendungen oder Wertaufholungen werden in der Erfolgsrechnung erfasst und so berechnet wie bei </span></div><div class=\"ps21872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu fortgef\u00fchrten Anschaffungskosten bewerteten finanziellen Verm\u00f6genswerten. Die verbleibenden Fair-Value-\u00c4nderungen </span></div><div class=\"ps21873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im sonstigen Ergebnis erfasst. Bei Ausbuchung werden die im sonstigen Ergebnis erfassten kumulierten Nettogewinne </span></div><div class=\"ps21874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder -verluste aus den Fair-Value-\u00c4nderungen in die Erfolgsrechnung umgegliedert. Erl\u00e4uterungen zum angewandten </span></div><div class=\"ps21875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungsmodell finden sich im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9).</span></div><div class=\"ps21876 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Eigenkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn sich die RBI bei </span></div><div class=\"ps21877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ersterfassung unwiderruflich daf\u00fcr entscheidet, nachfolgende \u00c4nderungen des Fair Values im sonstigen Ergebnis (OCI) <span class=\"f ps24\"> </span></span></div><div class=\"ps21878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darzustellen. Diese Entscheidung wird f\u00fcr jede Anlage einzeln getroffen und betrifft im Wesentlichen strategische </span></div><div class=\"ps21879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen, die nicht vollkonsolidiert werden, sowie assoziierte Unternehmen, die nicht at-equity bewertet werden. Anders </span></div><div class=\"ps21880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als bei Schuldinstrumenten werden die im sonstigen Ergebnis (OCI) erfassten Gewinne und Verluste beim Verkauf nicht in die </span></div><div class=\"ps21881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung umgegliedert, und auch Wertminderungen werden nicht erfolgswirksam erfasst.</span></div><div class=\"ps21953 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20235\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21914\">4.255<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21921\">3.532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21925\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20258\">3.517<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21928\">573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21933\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21940\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21948\">4.506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20712\">4.486<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21964 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20737\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21956\">3.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1186\">2.207<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20625\">685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21959\">680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21960\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21961\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20162\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21962\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21963\">3.610<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert des Postens finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income erh\u00f6hte sich im </span></div><div class=\"ps21966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleich zum Jahresende 2024 um \u20ac 876 Millionen auf \u20ac 4.486 Millionen, vorwiegend durch den Kauf von Staatsanleihen in </span></div><div class=\"ps21967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rum\u00e4nien, Tschechien und der Ukraine, teilweise kompensiert durch den Verkauf von Staatsanleihen in Ungarn.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenkapitalinstrumente in den finanziellen Verm\u00f6genswerten \u2013 Fair Value Through Other Comprehensive Income:</span></div><div class=\"ps7104 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:64.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps779 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-1dbd4d87 ps17448\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Visa Inc., San Francisco (US), Class A Preferred Stock<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps787 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21970\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">CEESEG Aktiengesellschaft, Wien (AT), Stammaktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21971\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps812\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Medicur - Holding Gesellschaft m.b.H., Wien (AT), Gesellschaftsanteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21972\">18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">HOBEX AG, Salzburg (AT), Gesellschaftsanteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps19281\">13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">PSA Payment Services Austria GmbH, Wien (AT), Gesellschaftsanteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21973\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21974\">108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21477\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-1dbd4d87 ps20866\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgesch\u00fcttete Dividende auf Eigenkapitalinstrumente - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps20870\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Buchwerte der finanziellen Verm\u00f6genswerte \u2013 Fair Value Through Other <span id=\"ie06755b3784c4a188233184093abeaa9\"></span></span></div><div class=\"ps21976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Comprehensive Income ohne Eigenkapitalinstrumente nach Rating-Kategorien und </span></div><div class=\"ps21977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stages<span class=\"f ps24\"> </span></span></div><div class=\"ps22004 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1223\"><div><div class=\"ps3137 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps17390\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps21438\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21439 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps20916\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps1148\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12333 ss877\"><div><div class=\"ps3137 ss876\"><span class=\"f charStyle-1dbd4d87 ps20194\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1224\"><div><div class=\"ps516 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21440 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps12494\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps12503\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21442 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21443 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21444 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20647\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21447 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21449 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21450 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21451 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21978\">589<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20670\">914<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21454 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21455 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21457 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21459 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21979\">914<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21980\">2.106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21462 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21981\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21463 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21465 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21467 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21982\">2.149<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21983\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21470 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21984\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21471 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21473 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21475 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21985\">37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21986\">576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21478 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21479 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21481 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21483 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21534\">581<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21485 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21487 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21488 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21489 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21987\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21491 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21492 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21494 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21496 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21498 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21988\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21499 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21989\">4.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21501 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21990\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21503 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21991\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8534 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21505 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps21993\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21507 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21512\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21509 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21994\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21511 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21995\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21513 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21515 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21996\">-70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kumuliertes sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21516 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13625\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21517 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21527\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21518 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21520 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21522 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21997\">50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21998 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20208\">4.201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22000 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21999\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22001 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22002 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22003 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps20553\">4.255<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22078 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:98.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22005 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps17390\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps21438\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22007 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps20916\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps1148\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22008 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps4165\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1241\"><div><div class=\"ps516 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22009 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps12494\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps12503\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22010 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22011 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22012 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22014 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22013\">752<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22015 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22016 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22017 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22018 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22013\">752<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22019 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19920\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22021 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22023 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19920\">861<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22025 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22024\">1.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22026 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21540\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22027 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22028 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22030 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22029\">1.437<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22032 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22031\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22031\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22038 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22037\">315<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20612\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22040 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22043 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22042\">348<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22044 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22046 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22048 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22049 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22051 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22053 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22054 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps18521\">3.304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22056 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps22055\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22057 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21991\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10363 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22058 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21533\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22060 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22059\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22062 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22063 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22064 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22065 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21512\">-59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Kumuliertes sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22067 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22066\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22068 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21527\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22069 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22071 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22031\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22072 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps18455\">3.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22073 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps22055\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22074 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22075 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22077 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps22076\">3.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(18) Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair <span id=\"i042f4693f9be4cfa9a3f6706415f2ffa\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value Through Profit/Loss</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein finanzieller Verm\u00f6genswert wird in der RBI verpflichtend zum Fair Value ausgewiesen, wenn der finanzielle Verm\u00f6genswert </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weder zu fortgef\u00fchrten Anschaffungskosten noch zum Fair Value Through Other Comprehensive Income bewertet wird, zudem </span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Handelsabsicht besteht und der Verm\u00f6genswert nicht freiwillig zum Fair Value designiert wurde. Im Wesentlichen handelt </span></div><div class=\"ps21810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sich hierbei um Wertpapiere und Kredite, die die \u00dcberpr\u00fcfung der vertraglichen Zahlungsstrombedingungen nicht erf\u00fcllen, </span></div><div class=\"ps21811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. Portfolios von finanziellen Verm\u00f6genswerten, die nicht Handelszwecken dienen, die anhand des Fair Values gesteuert und </span></div><div class=\"ps21812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach dessen Wertentwicklung beurteilt werden.</span></div><div class=\"ps21853 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20644\">410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20142\">399<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22083\">22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22084\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21956\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22085\">277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">187<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21539\">636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">476<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21542\">1.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17356\">1.094<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(19) Finanzielle Verm\u00f6genswerte und Verbindlichkeiten \u2013 Designated Fair <span id=\"i865a4016071b4a02a0a6724f0ba04d20\"></span></span></div><div class=\"ps22088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value Through Profit/Loss</span></div><div class=\"ps22089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Kategorie umfasst im Wesentlichen jene finanziellen Verm\u00f6genswerte, die zum Zeitpunkt des erstmaligen Bilanzansatzes </span></div><div class=\"ps22090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflich als designiertes Finanzinstrument zum Fair Value gewidmet wurden (sog. Fair-Value-Option). Die Anwendung der </span></div><div class=\"ps22091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Option ist an die Voraussetzung gekn\u00fcpft, dass Inkongruenzen bei der Bewertung oder beim Ansatz beseitigt oder </span></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant verringert werden. Diese entstehen, wenn die Bewertung von finanziellen Verm\u00f6genswerten oder Verbindlichkeiten <span class=\"f ps24\"> </span></span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder die Erfassung von daraus resultierenden Gewinnen oder Verlusten auf unterschiedlicher Grundlage erfolgt. <span class=\"f ps24\"> </span></span></div><div class=\"ps22094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso werden finanzielle Verbindlichkeiten als Finanzinstrumente zum Fair Value designiert, um Bewertungsabweichungen </span></div><div class=\"ps22095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von den mit ihnen im Zusammenhang stehenden Derivaten zu vermeiden. Der Fair Value der unter Anwendung der Fair-Value-</span></div><div class=\"ps22096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Option in diese Kategorie klassifizierten finanziellen Verpflichtungen enth\u00e4lt s\u00e4mtliche Marktrisikofaktoren einschlie\u00dflich des </span></div><div class=\"ps22097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit diesen finanziellen Verpflichtungen in Verbindung stehenden Kreditrisikos des Emittenten. </span></div><div class=\"ps22098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den finanziellen Verpflichtungen geh\u00f6ren im Wesentlichen strukturierte Anleihen. Der Fair Value dieser finanziellen </span></div><div class=\"ps22099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen wird durch die Abzinsung der vertraglichen Cash-Flows mithilfe einer kreditrisikoadjustierten Zinsstrukturkurve </span></div><div class=\"ps22100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt, die das Niveau widerspiegelt, auf dem der Konzern \u00e4hnliche Finanzinstrumente zum Bilanzstichtag begeben w\u00fcrde. </span></div><div class=\"ps22101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Marktrisikoparameter werden anhand vergleichbarer Finanzinstrumente ermittelt. Bewertungsergebnisse f\u00fcr </span></div><div class=\"ps22102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die als Finanzinstrument zum Fair Value designiert wurden, werden im Handelsergebnis und Ergebnis aus </span></div><div class=\"ps22103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Bewertungen ausgewiesen. </span></div><div class=\"ps22104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse im Handelsergebnis und Ergebnis </span></div><div class=\"ps22105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen ausgewiesen. Bei finanziellen Verbindlichkeiten, die erfolgswirksam zum beizulegenden Zeitwert </span></div><div class=\"ps22106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designiert werden, sind \u00c4nderungen des Fair Values, die auf eine \u00c4nderung des eigenen Kreditrisikos zur\u00fcckzuf\u00fchren sind, nicht </span></div><div class=\"ps22107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Erfolgsrechnung, sondern im sonstigen Ergebnis ausgewiesen.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span id=\"i9e39870f126b4d3abb3606a2f1378d15\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span id=\"i0b418d0767b945fab2e3f8d72aebfa11\"></span></span></div><div class=\"ps22118 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18508\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22114\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22116\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading<span id=\"i0032ec4a067f4bbaa371ce022647eae2\"></span></span></div><div class=\"ps22121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verm\u00f6genswerte und finanzielle Verbindlichkeiten \u2013 Held For Trading dienen der Nutzung von kurzfristigen </span></div><div class=\"ps22122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktpreisschwankungen. Die zu Handelszwecken dienenden Wertpapiere und derivativen Finanzinstrumente werden zum Fair </span></div><div class=\"ps22123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value bilanziert. F\u00fcr die Ermittlung des Fair Values werden bei b\u00f6rsennotierten Produkten die B\u00f6rsenkurse herangezogen. Sind <span class=\"f ps24\"> </span></span></div><div class=\"ps22124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Kurse nicht vorhanden, werden bei origin\u00e4ren Finanzinstrumenten und Termingesch\u00e4ften auf Basis von </span></div><div class=\"ps22125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnungen und bei Optionen anhand von geeigneten Optionspreismodellen interne Preise ermittelt. Der </span></div><div class=\"ps22126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnung wird eine Zinskurve zugrunde gelegt, die sich aus Geldmarkt-, Future- und Swaps\u00e4tzen zusammensetzt. </span></div><div class=\"ps22127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn positive Marktwerte bestehen, werden die Gesch\u00e4fte den finanziellen Verm\u00f6genswerten \u2013 Held For Trading zugeordnet, <span class=\"f ps24\"> </span></span></div><div class=\"ps22128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei negativen Marktwerten erfolgt ein Ausweis unter den finanziellen Verbindlichkeiten \u2013 Held For Trading. Die Wert\u00e4nderung </span></div><div class=\"ps22129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Marktwerts wird erfolgswirksam im Handelsergebnis dargestellt. Derivate, die Sicherungszwecken gem\u00e4\u00df IAS 39 dienen, </span></div><div class=\"ps22130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter dem Bilanzposten Hedge Accounting ausgewiesen. Au\u00dferdem sind etwaige Lieferverbindlichkeiten aus </span></div><div class=\"ps22131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapier-Leerverk\u00e4ufen in den finanziellen Verbindlichkeiten \u2013 Held For Trading dargestellt.</span></div><div class=\"ps22132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalgarantierte Produkte (Garantiefonds und Zukunftsvorsorge) werden als verkaufte Put-Optionen auf den jeweils zu </span></div><div class=\"ps22133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">garantierenden Fonds dargestellt. Der Konzern hat im Rahmen der staatlich gef\u00f6rderten pr\u00e4mienbeg\u00fcnstigten </span></div><div class=\"ps22134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zukunftsvorsorge gem. \u00a7 108h Abs 1 Z 3 EStG Kapitalgarantieverpflichtungen abgegeben. Dabei garantiert das Kreditinstitut, </span></div><div class=\"ps22135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass im Fall einer Verrentung der f\u00fcr die Verrentung zur Verf\u00fcgung stehende Auszahlungsbetrag nicht geringer ist als die </span></div><div class=\"ps22136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Summe der vom Steuerpflichtigen eingezahlten Betr\u00e4ge zuz\u00fcglich der f\u00fcr diesen Steuerpflichtigen gutgeschriebenen Pr\u00e4mien </span></div><div class=\"ps22137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Sinn des \u00a7 108g EStG. </span></div><div class=\"ps22138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse werden im Handelsergebnis und </span></div><div class=\"ps22139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen ausgewiesen.</span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18729\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22140\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22141\">2.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22142\">2.318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22143\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21962\">440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22144\">646<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20568\">523<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20120\">453<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20784\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13368\">54<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1188\">258<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20543\">3.330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">2.087<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">2.827<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22146\">1.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22148\">7.230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22149\">5.945<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Innerhalb des Postens finanzielle Verm\u00f6genswerte \u2013 Held for Trading betrugen die als Sicherheit gestellten Wertpapiere, zu </span></div><div class=\"ps22151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deren Verkauf oder Verpf\u00e4ndung der Empf\u00e4nger berechtigt ist, \u20ac\u00a064 Millionen (Vorjahr: \u20ac\u00a0462 Millionen). Der Anstieg der </span></div><div class=\"ps22152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldverschreibungen resultierte vorwiegend aus Zuk\u00e4ufen von Staatsanleihen in der Konzernzentrale.</span></div><div class=\"ps22153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Derivative Finanzinstrumente<span id=\"i4cb8feb7cf49461fb82171010e4b9a12\"></span></span></div><div class=\"ps22154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit wickelt die RBI Transaktionen mit derivativen Finanzinstrumenten sowohl zu </span></div><div class=\"ps22155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handels- als auch zu Sicherungszwecken ab. Zu den in der RBI eingesetzten Derivaten z\u00e4hlen Swaps, standardisierte </span></div><div class=\"ps22156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Terminkontrakte, Termingesch\u00e4fte, Kreditderivate, Optionen und \u00e4hnliche Kontrakte. RBI setzt Derivate ein, um den </span></div><div class=\"ps22157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bed\u00fcrfnissen der Kund:innen im Rahmen von deren Risikomanagement Rechnung zu tragen, um Risiken zu steuern und </span></div><div class=\"ps22158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzusichern sowie um Ertr\u00e4ge im Eigenhandel zu generieren. Derivate werden zum Zeitpunkt des Vertragsabschlusses zum </span></div><div class=\"ps22159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert angesetzt und anschlie\u00dfend auch zu diesem bewertet. Der aus der Bewertung resultierende Gewinn </span></div><div class=\"ps22160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder Verlust wird im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen erfasst, es sei denn, das Derivat ist als </span></div><div class=\"ps22161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsinstrument im Rahmen des Hedge Accounting designiert und effektiv. Hier h\u00e4ngt der Zeitpunkt der Erfassung der </span></div><div class=\"ps22162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse von der Art der Sicherungsbeziehung ab. </span></div><div class=\"ps22163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung gegen Marktrisiken (ausgenommen Handelsaktiva/-passiva) abgeschlossen und gegen ein </span></div><div class=\"ps22164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inhomogenes Portfolio gestellt werden, erf\u00fcllen nicht die Bedingung f\u00fcr IAS 39 Hedge Accounting. Sie werden bilanziert, indem </span></div><div class=\"ps22165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dirty Prices unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 Held <span class=\"f ps24\"> </span></span></div><div class=\"ps22166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">For Trading ausgewiesen werden. Die Wert\u00e4nderung dieser Derivate auf Basis des Clean Prices ist im Handelsergebnis und </span></div><div class=\"ps22167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen dargestellt, die Zinsen werden im Zins\u00fcberschuss gezeigt.</span></div><div class=\"ps22168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditderivate, deren Wert von dem in der Zukunft erwarteten (Nicht-)Eintritt spezifizierter Kreditereignisse abh\u00e4ngt, sind mit </span></div><div class=\"ps22169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Marktwert unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 </span></div><div class=\"ps22170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Held For Trading ausgewiesen. Die Wert\u00e4nderungen werden im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen </span></div><div class=\"ps22171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps22190 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10962\">199.602<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4169\">3.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17778\">-2.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7791\">141.690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">2.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-2.195<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">4.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19212\">-142<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17793\">48.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-317<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17516\">1.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20215\">-41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">3.139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">18.142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18699\">175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">-85<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17961\">13.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18695\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9359\">5.006<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19541\">217.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4121\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17790\">-2.785<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22185\">215.803<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17396\">3.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22187\">-2.759<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22188\">1.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1172\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7247\">195.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18735\">3.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22192\">-2.824<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8084\">141.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20916\">2.170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.199<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22193\">3.966<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22195\">-121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22196\">47.415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5233\">1.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20257\">-30<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17187\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22198\">12.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10764\">-208<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">7.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">5.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">-130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15126\">208.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8920\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17496\">-3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12774\">206.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20169\">3.388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22200\">-3.004<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17393\">1.944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(21) Finanzielle Verbindlichkeiten - Held For Trading<span id=\"ifa141fd734e04692b3bc7a3f4ebda254\"></span></span></div><div class=\"ps22208 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21500\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17181\">3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20842\">2.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22204\">2.265<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">598<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22207\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22029\">992<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps12533\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21460\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18459\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20137\">9.304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Derivate kam es zu einer Reduktion, welche auf Bewertungseffekte und Wechselkursschwankungen, insbesondere </span></div><div class=\"ps14852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei Zins- und Fremdw\u00e4hrungsderivaten in der Konzernzentrale, zur\u00fcckzuf\u00fchren ist. Im Posten Verbriefte Verbindlichkeiten kam </span></div><div class=\"ps14853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es hingegen zu einem Anstieg in der Konzernzentrale, welcher auf die Erh\u00f6hung der Hybriden Vertr\u00e4ge zur\u00fcckzuf\u00fchren ist. </span></div><div class=\"ps885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betreffend der Bewertungsgrunds\u00e4tze wird auf den Punkt </span><span class=\"f charStyle-9eccfdcb ps22209\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading</span><span class=\"f charStyle-9eccfdcb ps22210\"> verwiesen</span><span class=\"f charStyle-9eccfdcb ps22211\">.</span></div><div class=\"ps22212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(22) Hedge Accounting und Fair-Value Anpassungen aus Portfolio-Fair-<span id=\"i0cffa250e0d743afb78e62fbbb6c551c\"></span></span></div><div class=\"ps22213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value-Hedges</span></div><div class=\"ps22214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS 9 r\u00e4umte in Bezug auf die Bilanzierung von Sicherungsbeziehungen das Wahlrecht ein, weiterhin die Vorschriften des IAS 39 </span></div><div class=\"ps22215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzuwenden, bis das IASB das bestehende Projekt zur Abl\u00f6sung der Portfolio Hedge Accounting - Regelungen in IAS 39 </span></div><div class=\"ps22216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen hat. Die RBI machte Gebrauch von diesem Wahlrecht und wendet daher weiterhin die Vorschriften zur </span></div><div class=\"ps22217 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzierung von Sicherungsbeziehungen gem\u00e4\u00df IAS 39 in der von der EU \u00fcbernommenen Version (\u201cEU-Carve-Out\u201d) an, jedoch </span></div><div class=\"ps22218 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung der \u00c4nderungen in den Anhangangaben nach IFRS 7. </span></div><div class=\"ps22219 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden einzelne Sicherungsinstrumente, im Wesentlichen Derivate, zum Zweck des Risikomanagements gehalten und erf\u00fcllen </span></div><div class=\"ps22220 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Gesch\u00e4fte spezifische Kriterien, werden sie von der RBI ins Hedge Accounting designiert. Dies kann im Rahmen der </span></div><div class=\"ps22221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung des beizulegenden Zeitwerts (Fair Value Hedge), von Zahlungsstr\u00f6men (Cash-Flow Hedge) oder von </span></div><div class=\"ps22222 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoinvestitionen in wirtschaftlich selbst\u00e4ndige Teileinheiten (Net Investment Hedge) geschehen. Zu Beginn der </span></div><div class=\"ps22223 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehung wird der Zusammenhang zwischen Grund- und Sicherungsgesch\u00e4ft einschlie\u00dflich der zugrunde liegenden </span></div><div class=\"ps22224 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Ziele dokumentiert. Weiters wird sowohl bei Eingehen der Sicherungsbeziehung als auch in deren Verlauf </span></div><div class=\"ps22225 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig festgestellt, ob das in der Sicherungsbeziehung designierte Sicherungsinstrument hinsichtlich der Kompensation </span></div><div class=\"ps22226 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der \u00c4nderungen des beizulegenden Zeitwerts bzw. der Cash-Flows des Grundgesch\u00e4fts in hohem Ma\u00df effektiv ist.</span></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Mikro-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19979\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20866\">371<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20348\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">371<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Mikro-Cash-Flow-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Portfolio Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18448\">660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21980\">633<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">95<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20551\">535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21974\">538<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18505\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22227\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22228 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20731\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20714\">-234<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21604\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18452\">-234<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22233 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Mikro-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22229\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19279\">417<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22230\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16489\">417<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Mikro-Cash-Flow-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Portfolio Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22229\">632<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21458\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">183<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22143\">560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22231\">707<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22232\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21601\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps10799 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22234\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-359<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22235\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20839\">-359<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Hedge Accounting - Zusatzangaben<span id=\"id3825f2f8297444e8a81c8de9b0016df\"></span></span></div><div class=\"ps22237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig vom abzusichernden Risiko werden Absicherungsbeziehungen entweder als Fair Value Hedge oder als Cash-Flow </span></div><div class=\"ps22238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge dargestellt, Ziel ist dabei die Reduktion von Zinsrisiko und Volatilit\u00e4t in der Erfolgsrechnung. Beide Arten k\u00f6nnen auf </span></div><div class=\"ps22239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mikroebene sowie in Portfolios modelliert werden. Die Absicherung des Nettoinvestitionsrisikos wird insbesondere auf </span></div><div class=\"ps22240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kursschwankungen des rum\u00e4nischen Leus, der tschechischen Krone, des ungarischen Forints und des serbischen Dinars </span></div><div class=\"ps22241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewandt. </span></div><div class=\"ps22242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen von Fair Value Hedges und Cash-Flow Hedges werden unterschiedliche Finanzinstrumente als gesicherte </span></div><div class=\"ps22243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundgesch\u00e4fte in Sicherungsbeziehungen designiert. Den gr\u00f6\u00dften Anteil haben in diesem Zusammenhang Kredite und </span></div><div class=\"ps22244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen auf der Aktivseite sowie Einlagen auf der Passivseite. Schuldverschreibungen und verbriefte Verbindlichkeiten sind </span></div><div class=\"ps22245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Positionen, die in Hedge-Accounting-Beziehungen einflie\u00dfen. Als Sicherungsinstrumente dienen haupts\u00e4chlich Zinssatz- </span></div><div class=\"ps22246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Wechselkursvertr\u00e4ge.</span></div><div class=\"ps22250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiterf\u00fchrende Erl\u00e4uterungen zur Risikomanagementstrategie der RBI finden sich im Risikobericht </span><span class=\"f charStyle-9eccfdcb ps22247\">unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22248\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps22249\">. </span></div><div class=\"ps22252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auswirkungen von Sicherungsgesch\u00e4ften auf die Gesamtergebnisrechnung sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22251\">(5) Handelsergebnis, Ergebnis </span></div><div class=\"ps22254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen und Ergebnis aus Hedge Accounting</span><span class=\"f charStyle-9eccfdcb ps22253\">, jene auf die Eigenkapitalver\u00e4nderung sind in der Entwicklung </span></div><div class=\"ps22257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kumulierten sonstigen Ergebnis des Konzern-Eigenkapitals unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22255\">(29) Eigenkapital und nicht beherrschende Anteile</span><span class=\"f charStyle-9eccfdcb ps22256\"> </span></div><div class=\"ps22258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enthalten. </span></div><div class=\"ps22259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Absicherung einer Nettoinvestition in eine wirtschaftlich selbst\u00e4ndige Teileinheit (Net <span id=\"id6ed73c5b3ef4b6f8ae36ea215998283\"></span></span></div><div class=\"ps22260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Investment Hedge)</span></div><div class=\"ps22261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Kurssicherungsgesch\u00e4fte f\u00fcr Nettoinvestitionen in wirtschaftlich selbst\u00e4ndige Teileinheiten zur Reduktion der </span></div><div class=\"ps22262 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus der W\u00e4hrungsumrechnung resultierenden Differenzen im Eigenkapital get\u00e4tigt. Als Sicherungsinstrumente dienen in erster </span></div><div class=\"ps22263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Linie Devisentermingesch\u00e4fte (FX Forwards). Die aus ihnen entstehenden Gewinne bzw. Verluste aus der W\u00e4hrungsumrechnung </span></div><div class=\"ps22264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im sonstigen Ergebnis verrechnet und in der Eigenkapital\u00fcberleitung gesondert dargestellt, soweit die </span></div><div class=\"ps22265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehung effektiv ist. Ein etwaiger ineffektiver Teil der Sicherungsbeziehung wird im Handelsergebnis erfasst. </span></div><div class=\"ps22266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse, welche sich bei Devisentermingesch\u00e4ften aus dem unterschiedlichen Zinsdifferential der beiden </span></div><div class=\"ps22267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungen ergeben, werden im Handelsergebnis ausgewiesen.</span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Absicherungsinstrumente<span id=\"i619f66a870534d668984a1a7a37e7816\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgliederung nach Art des Hedge Accounting auf Ebene der Nominalwerte, sowohl gesamt als auch nach dem Zeitpunkt der </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Beendigung sowie auf Ebene der Buchwerte.</span></div><div class=\"ps22331 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17608\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps22270\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps7424 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-1dbd4d87 ps8523\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss811\"><div><div class=\"ps516 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps6739\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22273 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps22274\">1 Jahr bis 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22275 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps1935\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps1476\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps13556\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22276 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17773\">82.271<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4181\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22278 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8325\">7.576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1526\">45.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22279 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1548\">27.281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22280 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12813\">1.095<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22282 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22281\">923<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22284 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22283\">4.698<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18116\">254<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22286 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps19680\">1.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17953 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps134\">2.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22287 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22288 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11298\">122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22289 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19608\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22290 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17706\">77.573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps11532\">1.467<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22293 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22292\">6.403<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17959 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20501\">43.168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22294 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15149\">26.535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22295 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps10806\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22296 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19400\">853<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2066 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22297 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps19645\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22299 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22298\">450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22300 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8921\">720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17965 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19498\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22301 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21047\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22302\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22304 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12630\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22305 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9584\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22307 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21406\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8324\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22308 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22309 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps18584\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22310 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12387\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22311 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22313 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22314 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22315 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22316 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22317 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22318 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17457\">1.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22319 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17472\">450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10642\">675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21832 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22321 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22322 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22323 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12611\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22325 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22324\">83.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22326 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4181\">2.171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22327 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps1514\">8.296<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21836 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10658\">45.817<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9812 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps231\">27.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22328 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps10741\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22330 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22329\">942<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22340 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17608\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps22270\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7424 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-1dbd4d87 ps8523\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss811\"><div><div class=\"ps516 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps6739\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22273 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps22274\">1 Jahr bis 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22275 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps1935\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps1476\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps13556\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22276 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17596\">71.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7791\">1.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22278 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21652\">8.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps7133\">38.996<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22279 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10657\">22.692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22280 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12887\">1.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22282 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps9441\">1.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22284 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22332\">4.890<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22333\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22286 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10478\">892<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17953 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1667\">2.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22287 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17985\">879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22288 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13425\">94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22289 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13098\">177<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22290 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps7987\">66.718<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22334\">1.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22293 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps5089\">7.302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17959 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22335\">36.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22294 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1562\">21.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22295 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps260\">910<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22296 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12749\">1.124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2066 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22297 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18060\">2.135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22299 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18683\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22300 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps9394\">878<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17965 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17896\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22301 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10124\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22336\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22304 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps8037\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22305 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9359\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22307 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17388\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17253\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22308 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22337\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22309 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22310 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7363\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22311 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22313 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22314 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22315 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22316 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22317 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22318 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22338\">2.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22319 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17799\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17891\">830<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21832 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22321 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22322 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7363\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22323 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22325 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12629\">73.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22326 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22339\">2.901<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22327 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12627\">9.072<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21836 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6454\">39.043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9812 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps483\">22.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22328 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps227\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22330 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps10744\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fair Value Hedges<span id=\"i8d082e578c754826991b8d73c00ec00d\"></span></span></div><div class=\"ps22343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IAS 39 sieht die Anwendung des Hedge Accounting f\u00fcr Derivate vor, die der Absicherung des beizulegenden Zeitwerts </span></div><div class=\"ps22344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bilanzierter Verm\u00f6genswerte oder Verbindlichkeiten dienen. Einem solchen Marktwertrisiko unterliegt insbesondere das </span></div><div class=\"ps3588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditgesch\u00e4ft, sofern es sich um festverzinsliche Forderungen handelt. Zur Absicherung des Zins\u00e4nderungsrisikos bei einzelnen </span></div><div class=\"ps3589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten oder Refinanzierungen werden Interest Rate Swaps abgeschlossen, die die Voraussetzungen f\u00fcr Hedge Accounting </span></div><div class=\"ps3590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllen. Dies bedeutet, dass die Sicherungsgesch\u00e4fte dokumentiert, fortlaufend beurteilt und als hoch wirksam eingestuft </span></div><div class=\"ps3591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Somit kann \u00fcber die gesamte Laufzeit der Sicherungsbeziehungen davon ausgegangen werden, dass \u00c4nderungen des </span></div><div class=\"ps3592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwerts eines gesicherten Grundgesch\u00e4fts nahezu vollst\u00e4ndig durch eine \u00c4nderung des beizulegenden </span></div><div class=\"ps3593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitwerts des Sicherungsinstruments kompensiert werden und die tats\u00e4chlichen Ergebnisse in einer Bandbreite von 80 bis 125 </span></div><div class=\"ps3594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent liegen.</span></div><div class=\"ps22345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung des Marktwerts von einzelnen Bilanzposten (ausgenommen Handelsderivate) abgeschlossen </span></div><div class=\"ps22346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, werden mit dem Marktwert (Dirty Price) unter dem Posten Hedge Accounting (aktivseitig: positive Marktwerte, </span></div><div class=\"ps22347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">passivseitig: negative Marktwerte) bilanziert. Die Buchwert\u00e4nderungen des gesicherten Grundgesch\u00e4fts (Aktiva oder Passiva) </span></div><div class=\"ps22348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden direkt den betroffenen Bilanzposten zugerechnet und im Anhang gesondert ausgewiesen. </span></div><div class=\"ps22349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sowohl das Ergebnis aus der Ver\u00e4nderung der Buchwerte der abzusichernden Positionen als auch das Ergebnis aus der </span></div><div class=\"ps22350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderung der Clean Prices der Derivate werden im Ergebnis aus Hedge Accounting gebucht. </span></div><div class=\"ps22351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Steuerung von Zins\u00e4nderungsrisiken wird die Absicherung von Zinsrisiken auch auf Portfolioebene abgebildet. </span></div><div class=\"ps22352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abgesichert werden einzelne Gesch\u00e4fte oder Gruppen von Gesch\u00e4ften mit \u00e4hnlicher Risikostruktur, gegliedert nach </span></div><div class=\"ps22353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeitb\u00e4ndern entsprechend den erwarteten R\u00fcckzahlungs- und Zinsanpassungsterminen in einem Portfolio. Bei dieser </span></div><div class=\"ps22354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bilanziellen Abbildung von Sicherungszusammenh\u00e4ngen werden die Wert\u00e4nderungen der Grundgesch\u00e4fte im Ergebnis aus </span></div><div class=\"ps22355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge Accounting erfasst. Auf Basis der Regelungen des EU-Carve-Outs wird der abgesicherte Betrag der Grundgesch\u00e4fte im </span></div><div class=\"ps22356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschluss bei einer Konzerneinheit inklusive Sichteinlagen bestimmt.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Details zu den zugrunde liegenden Gesch\u00e4ften bei Fair-Value-Hedge-Beziehungen:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1250\"><div><div class=\"ps5427 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss131\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps16098\">Buchwert der zugrunde liegenden <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22360 ss131\"><div><div class=\"ps5430 ss127\"><span class=\"f charStyle-1dbd4d87 ps22358\">Kumulierte Betr\u00e4ge aus Fair-Value-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss127\"><span class=\"f charStyle-1dbd4d87 ps22359\">Anpassungen der zugrunde liegenden </span></div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss1251\"><div><div class=\"ps5430 ss795\"><span class=\"f charStyle-3e64e966 ps3274\">Fair-Value-\u00c4nderungen </span></div><div class=\"ps5426 ss795\"><span class=\"f charStyle-3e64e966 ps10732\">der zugrunde liegenden </span></div><div class=\"ps5427 ss795\"><span class=\"f charStyle-3e64e966 ps10095\">Gesch\u00e4fte<span class=\"f ps24\"> </span></span><span class=\"f charStyle-cdbbedb5 ps22361\"><span class=\"f ps24\"> </span><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5382 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps22362 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps22363 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22364 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22365 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22366 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10683\">37.956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22367 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15182\">39.547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22368 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17388\">-757<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22370 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22369\">-619<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22372 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22371\">-374<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22374 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22373\">19.453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22375 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22376 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20267\">-381<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22377 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22379 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22378\">-151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22380 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17437\">18.504<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22381 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22382 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17352\">-375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22383 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22385 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22384\">-156<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22386 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17760\">21.882<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22387 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22388 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12634\">-432<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22390 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22389\">-52<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22391 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22393 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22392\">17.665<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22394 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22395 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18414\">-187<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22397 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22396\">-15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22398 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22399 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22400 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22402 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22403 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19445 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22405 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22407 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22406\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22408 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19451 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22409 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22410 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22411 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22412 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22413 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22414 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22415 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22416 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10683\">37.956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19465 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15182\">39.547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22417 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17388\">-757<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22369\">-619<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22418 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22371\">-374<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Fair-Value-\u00c4nderungen der zugrunde liegenden Gesch\u00e4fte, die in der Berichtsperiode f\u00fcr die Berechnung der Ineffektivit\u00e4t verwendet wurden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22425 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1250\"><div><div class=\"ps5427 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss131\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps16098\">Buchwert der zugrunde liegenden <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22360 ss131\"><div><div class=\"ps5430 ss127\"><span class=\"f charStyle-1dbd4d87 ps22358\">Kumulierte Betr\u00e4ge aus Fair-Value-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss127\"><span class=\"f charStyle-1dbd4d87 ps22359\">Anpassungen der zugrunde liegenden </span></div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss1251\"><div><div class=\"ps5430 ss795\"><span class=\"f charStyle-3e64e966 ps3274\">Fair-Value-\u00c4nderungen </span></div><div class=\"ps5426 ss795\"><span class=\"f charStyle-3e64e966 ps10732\">der zugrunde liegenden </span></div><div class=\"ps5427 ss795\"><span class=\"f charStyle-3e64e966 ps10095\">Gesch\u00e4fte<span class=\"f ps24\"> </span></span><span class=\"f charStyle-cdbbedb5 ps22361\"><span class=\"f ps24\"> </span><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5382 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22362 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22363 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22364 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22365 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22366 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4161\">31.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22367 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17793\">33.168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22368 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22370 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-670<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22372 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps21904\">-170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22374 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17901\">16.735<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22375 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22376 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18434\">-205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22377 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22379 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22420\">167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22380 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22373\">14.593<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22381 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22382 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17352\">-247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22383 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22385 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22421\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22386 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17797\">17.447<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22387 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22388 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20035\">-459<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22390 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22422\">-138<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22391 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22393 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4167\">15.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22394 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22395 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22195\">-211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22397 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps21495\">-304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22398 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22399 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22400 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22402 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22403 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19445 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20253\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22405 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22407 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22423\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22408 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19451 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22409 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22410 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22411 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22412 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22413 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22414 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22415 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22424\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22416 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4161\">31.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19465 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17577\">33.217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22417 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-670<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22418 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps21904\">-170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Fair-Value-\u00c4nderungen der zugrunde liegenden Gesch\u00e4fte, die in der Berichtsperiode f\u00fcr die Berechnung der Ineffektivit\u00e4t verwendet wurden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Cash-Flow Hedges<span class=\"f ps24\"> </span><span id=\"i9b28a9224a434847a2107997da2b4ec9\"></span></span></div><div class=\"ps22427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IAS 39 sieht die Anwendung des Cash-Flow-Hedge-Accounting f\u00fcr Derivate vor, die der Absicherung gegen das Risiko einer </span></div><div class=\"ps22428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderung k\u00fcnftiger Zahlungsstr\u00f6me dienen. Einem solchen Cash-Flow-Risiko unterliegen insbesondere variabel verzinsliche </span></div><div class=\"ps22429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Verbindlichkeiten sowie erwartete Transaktionen (z. B. erwartete Geldaufnahmen oder -veranlagungen). Interest </span></div><div class=\"ps22430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rate Swaps, die zur Absicherung des Risikos aus schwankenden Cash-Flows bestimmter variabler Zinspositionen abgeschlossen <span class=\"f ps24\"> </span></span></div><div class=\"ps22431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, werden wie folgt bilanziert: Das Sicherungsinstrument wird mit dem Marktwert angesetzt, die \u00c4nderungen des Clean </span></div><div class=\"ps22432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prices werden im sonstigen Ergebnis gebucht. Der ineffektive Teil wird hingegen ergebniswirksam als Ergebnis aus Hedge </span></div><div class=\"ps22433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Accounting ausgewiesen.</span></div><div class=\"ps22434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Details zu Wert\u00e4nderungen bei Absicherungsinstrumenten in Cash-Flow-Hedge-Beziehungen unter Ber\u00fccksichtigung des </span></div><div class=\"ps22435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlichen Ausweises des effektiven Teils im sonstigen Ergebnis und des ineffektiven Teils in der Erfolgsrechnung:</span></div><div class=\"ps22455 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:145.5pt\"></td><td style=\"padding:0;width:145.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps22436\">Wert\u00e4nderungen bei Absicherungsinstrumenten <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps20134\">bilanziert im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps12639\">Erfolgswirksamer, ineffektiver Teil aus <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps22437\">Absicherungsinstrumenten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13383 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22438\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16884 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22441 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22440\">177<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22443 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22444 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22440\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22445 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22447 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22448 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22449 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22450 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22451 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22452 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22453 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22438\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22454 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:145.5pt\"></td><td style=\"padding:0;width:145.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps22436\">Wert\u00e4nderungen bei Absicherungsinstrumenten <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps20134\">bilanziert im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps12639\">Erfolgswirksamer, ineffektiver Teil aus <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps22437\">Absicherungsinstrumenten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13383 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22458\">-103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16884 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22441 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22459\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22443 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22460\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22444 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22461\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22445 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22460\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22447 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22448 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22449 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22460\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22450 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22451 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22462\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22452 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22453 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22458\">-103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22454 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22464 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten<span id=\"ib7b9be34db8c45a897e0057405fdf52b\"></span></span></div><div class=\"ps22465 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gem\u00e4\u00df IFRS 13 verwendet die RBI die nachfolgende Fair-Value-Hierarchie zur Feststellung und Offenlegung des Fair Values f\u00fcr </span></span></div><div class=\"ps22466 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente. Die Zuordnung bestimmter Finanzinstrumente zu den Level-Kategorien erfordert eine regelm\u00e4\u00dfige </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beurteilung, insbesondere wenn die Bewertung sowohl auf beobachtbaren als auch auf nicht auf dem Markt beobachtbaren </span></span></div><div class=\"ps22468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Parametern beruht. Auch unter Ber\u00fccksichtigung von \u00c4nderungen der Marktliquidit\u00e4t und damit der Preistransparenz kann sich </span></span></div><div class=\"ps22469 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">die Klassifizierung eines Instruments im Zeitablauf \u00e4ndern. </span></span></div><div class=\"ps22470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Notierte Preise in einem aktiven Markt (Level I)</span><span id=\"i5c4658f52a7c483d88b4ffc74f6e8127\"></span></span></div><div class=\"ps22471 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente, f\u00fcr die die Fair-Value-Bewertung anhand von quotierten Marktpreisen erfolgt, werden dem Level I der Fair-</span></span></div><div class=\"ps22472 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Value-Hierarchie zugeordnet. Dies gilt insbesondere f\u00fcr an B\u00f6rsen gehandelte Eigenkapitalinstrumente, im Interbankenmarkt </span></span></div><div class=\"ps22473 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gehandelte Fremdkapitalinstrumente und b\u00f6rsengehandelte Derivate. Die Bewertung beruht im Wesentlichen auf externen </span></span></div><div class=\"ps22474 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Datenquellen (B\u00f6rsenpreise bzw. Broker-Quotierungen in liquiden Marktsegmenten). Bei einem aktiven Markt handelt es sich um </span></span></div><div class=\"ps22475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einen Markt, in dem Transaktionen von Verm\u00f6genswerten und Schulden mit ausreichender H\u00e4ufigkeit und ausreichendem </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22476 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Volumen stattfinden, sodass Preisinformationen laufend zur Verf\u00fcgung stehen. Indikatoren f\u00fcr aktive M\u00e4rkte k\u00f6nnen die </span></span></div><div class=\"ps22477 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anzahl, die H\u00e4ufigkeit der Aktualisierung oder die Qualit\u00e4t der Quotierungen (z. B. Banken oder B\u00f6rsen) sein. Weiters sind auch </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22478 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">enge Bid-/Ask-Spannen sowie Quotierungen der Marktteilnehmer:innen innerhalb eines bestimmten Korridors Anzeichen f\u00fcr </span></span></div><div class=\"ps22479 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einen aktiven liquiden Markt. Finanzinstrumente, f\u00fcr die die Fair-Value-Bewertung anhand von quotierten Marktpreisen erfolgt, </span></span></div><div class=\"ps22480 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sind haupts\u00e4chlich b\u00f6rsennotierte Wertpapiere und ein geringer Anteil an Derivaten sowie liquide Anleihen, die auf OTC-</span></span></div><div class=\"ps22481 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">M\u00e4rkten (Over The Counter) gehandelt werden. </span></span></div><div class=\"ps22482 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels beobachtbarer Parameter (Level II)</span><span id=\"ifa22b739be9b4106a838fac44a8af16f\"></span></span></div><div class=\"ps22483 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den F\u00e4llen, in denen keine B\u00f6rsennotierungen auf einem aktiven Markt vorliegen, wird das Finanzinstrument dann als Level II </span></span></div><div class=\"ps22484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">klassifiziert, wenn der Fair Value durch anerkannte Bewertungsmodelle mithilfe von beobachtbaren Preisen oder Parametern </span></span></div><div class=\"ps22485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(insbesondere von Barwertmethoden oder Optionspreismodellen) ermittelt werden kann. Diese beobachtbaren Marktdaten </span></span></div><div class=\"ps22486 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sind im Wesentlichen Zinskurven, Credit Spreads und Volatilit\u00e4ten. RBI verwendet grunds\u00e4tzlich Bewertungsmodelle, die einer </span></span></div><div class=\"ps22487 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">internen Pr\u00fcfung durch das Marktrisiko-Komitee unterliegen, um angemessene Bewertungsparameter sicherzustellen. Das </span></span></div><div class=\"ps22488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels beobachtbarer Parameter betrifft die Mehrheit der OTC-Derivate und der nicht b\u00f6rsennotierten </span></span></div><div class=\"ps15562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Fremdkapitalinstrumente. </span></span></div><div class=\"ps22489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels nicht beobachtbarer Parameter (Level III)</span><span id=\"i40f0d2ff758a46d3a4fd2841f7dbd558\"></span></span></div><div class=\"ps22490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kann die Fair-Value-Bewertung weder anhand von ausreichend regelm\u00e4\u00dfig gestellten Marktpreisen (Level I) noch anhand von </span></span></div><div class=\"ps22491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsmodellen, die vollst\u00e4ndig auf beobachtbaren Marktpreisen beruhen (Level II), erfolgen, werden einzelne nicht auf </span></span></div><div class=\"ps22492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dem Markt beobachtbare Input-Parameter anhand von angemessenen Annahmen gesch\u00e4tzt. Haben nicht auf dem Markt </span></span></div><div class=\"ps22493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">beobachtbare Parameter einen signifikanten Einfluss auf die Bewertung des zugrunde liegenden Finanzinstruments, wird es </span></span></div><div class=\"ps22494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dem Level III der Fair-Value-Hierarchie zugeordnet. Diese nicht regelm\u00e4\u00dfig beobachtbaren Bewertungsparameter sind unter </span></span></div><div class=\"ps22495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anderem Credit Spreads, die aus internen Sch\u00e4tzungen abgeleitet werden. </span></span></div><div class=\"ps22496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Diese Eingangsparameter k\u00f6nnen Daten enthalten, die in Form von N\u00e4herungswerten unter anderem aus historischen Daten </span></span></div><div class=\"ps22497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ermittelt werden (Bewertungshierarchie Level III). Die Anwendung dieser Modelle erfordert Annahmen und Einsch\u00e4tzungen des </span></span></div><div class=\"ps22498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Managements, deren Umfang von der Preistransparenz in Bezug auf das Finanzinstrument und dessen Markt sowie von der </span></span></div><div class=\"ps22499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplexit\u00e4t des Instruments abh\u00e4ngt. </span></span></div><div class=\"ps22500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Finanzinstrumente, die zu fortgef\u00fchrten Anschaffungskosten bewertet werden (dies umfasst Forderungen aus dem </span></span></div><div class=\"ps22501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditgesch\u00e4ft, Einlagen, sonstige kurzfristige Geldaufnahmen und langfristige Verbindlichkeiten), gibt der Konzern den </span></span></div><div class=\"ps22502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">beizulegenden Zeitwert an. Grunds\u00e4tzlich besteht bei diesen Instrumenten eine geringe oder keine Handelsaktivit\u00e4t, weshalb </span></span></div><div class=\"ps22503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">bei der Bestimmung des beizulegenden Zeitwerts signifikante Einsch\u00e4tzungen durch das Management erforderlich sind.</span></span></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Fair Value von Finanzinstrumenten, die zum Fair Value bilanziert werden</span><span id=\"if7c353b146774ff2a0c6006256569bc9\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Das Kreditportfolio wird in die zentrale Berechnung des beizulegenden Zeitwerts einbezogen. Die Berechnung des Fair Values </span></span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfolgt monatlich und basiert auf der Discounted-Cash-Flow-Methode. Die erwarteten Zahlungsstr\u00f6me werden mit einem </span></span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angemessenen Abzinsungssatz (d. h. risikofreier Zinssatz plus Zuschlag) abgezinst. Die Methodik zur Berechnung des </span></span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Abzinsungssatzes unterscheidet sich je nach Segment (d. h. Retail und Non-Retail). </span></span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dar\u00fcber hinaus wird auch der beizulegende Zeitwert der eingebetteten Optionen f\u00fcr das Kreditportfolio berechnet, und die </span></span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angewandte Methodik basiert auf dem Kundensegment (d. h. Retail und Non-Retail). Die Bewertung der eingebetteten </span></span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Optionen im Retail-Bereich basiert auf der Verhaltensmodellierung (z. B. lineare Regression/gleitender Zw\u00f6lf-Monats-</span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Durchschnitt der Vorauszahlungsraten). Die Bewertung eingebetteter Optionen in Krediten im Non-Retail-Bereich basiert auf </span></span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Annahme eines vollst\u00e4ndigen rationalen Verhaltens der Kund:innen. Die in Non-Retail-Krediten enthaltenen eingebetteten </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Optionen wie Vorauszahlung, Auszahlung oder Auff\u00fcllung werden mit Swaptions repliziert und mit dem Trinomial Tree Hull-</span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">White-Strukturmodell bewertet. F\u00fcr die Bewertung der Zinsoptionen (Caps und Floors) wird grunds\u00e4tzlich das Modell von Black </span></span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angewendet, dem lognormal verteilte Renditen zugrunde liegen. Da wir uns in einem volatilen Zinsumfeld befinden, wird das </span></span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">shifted lognormale Black-Modell f\u00fcr die Bewertung der Zinsoptionen angewendet, dem ein Displaced-Diffusion-Modell </span></span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zugrunde liegt (lognormale Verteilung mit einer Zinsverschiebung). </span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Anleihen werden in erster Linie handelbare Marktpreise herangezogen. Sind keine Quotierungen vorhanden, werden die </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wertpapiere mittels Discounted-Cash-Flow-Modell bewertet. Hier flie\u00dfen als Bewertungsparameter die Zinskurve sowie ein </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ad\u00e4quater Credit Spread ein. Die Ermittlung des Credit Spreads erfolgt \u00fcber auf dem Markt vorhandene, vergleichbare </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente. F\u00fcr einen geringen Teil des Portfolios wurden Credit Default Spreads f\u00fcr die Bewertung verwendet. Weiters </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden auch externe Bewertungen von Dritten ber\u00fccksichtigt, die in allen F\u00e4llen indikativen Charakter aufweisen. Die Level-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Einteilung der Posten wird am Ende der Berichtsperiode durchgef\u00fchrt.</span></span></div><div class=\"ps22508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der RBI kommen f\u00fcr die Bewertung von OTC-Derivaten markt\u00fcbliche, bekannte Bewertungsmethoden zur Anwendung. </span></span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beispielsweise werden Interest Rate Swaps, Cross Currency Swaps oder Forward Rate Agreements \u00fcber das f\u00fcr diese Produkte </span></span></div><div class=\"ps22510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">markt\u00fcbliche Discounted-Cash-Flow-Modell bewertet. OTC-Optionen, z. B. Foreign Exchange Options oder Caps und Floors, </span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">liegen Bewertungsmodelle zugrunde, die dem Marktstandard entsprechen. F\u00fcr die angef\u00fchrten Produktbeispiele w\u00e4ren dies </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das Garman-Kohlhagen-Modell sowie Black-Scholes 1972 und Black 1976. F\u00fcr komplexe Optionen erfolgt die Bewertung mithilfe </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">von Monte-Carlo-Simulationen. </span></span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zur Ermittlung des Fair Values ist weiters eine Anpassung der Kreditbewertungen f\u00fcr das Kontrahentenausfallrisiko (Credit </span></span></div><div class=\"ps22515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Value Adjustment, CVA) und das eigene Kreditrisiko (Debit Value Adjustment, DVA) notwendig, um das mit OTC-</span></span></div><div class=\"ps22516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Derivattransaktionen verbundene Kreditrisiko der Gegenparteien (Kontrahentenausfallrisiko) insbesondere f\u00fcr jene </span></span></div><div class=\"ps22517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Vertragspartner zu ber\u00fccksichtigen, mit denen nicht bereits eine Absicherung \u00fcber Credit Support Annex erfolgt ist. Der </span></span></div><div class=\"ps22518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ermittelte Betrag stellt jeweils den gesch\u00e4tzten Marktwert der Sicherungsma\u00dfnahmen dar, die zur Absicherung gegen das </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisiko der Gegenparteien aus den OTC-Derivatportfolios des Konzerns erforderlich sind. </span></span></div><div class=\"ps22520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die CVA-Bewertungsanpassung besteht einerseits aus der Ermittlung des in der Zukunft zu erwartenden positiven </span></span></div><div class=\"ps22521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikobetrags (Expected Positive Exposure) und andererseits aus der Ausfallwahrscheinlichkeit des Kontrahenten. Um den zu </span></span></div><div class=\"ps22522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwartenden positiven Risikobetrag zu ermitteln, wird unter Ber\u00fccksichtigung aller verf\u00fcgbaren Risikofaktoren (z. B. W\u00e4hrungs- </span></span></div><div class=\"ps22523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und Zinskurven) eine gro\u00dfe Anzahl von Szenarien f\u00fcr zuk\u00fcnftige Zeitpunkte simuliert. Die OTC-Derivate werden unter </span></span></div><div class=\"ps22524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ber\u00fccksichtigung dieser Szenarien an den jeweiligen zuk\u00fcnftigen Zeitpunkten zu Marktwerten bewertet und auf </span></span></div><div class=\"ps22525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kontrahentenebene aggregiert, um abschlie\u00dfend f\u00fcr alle Zeitpunkte den positiven Risikobetrag zu bestimmen. Kontrahenten </span></span></div><div class=\"ps22526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit CSA-Vertr\u00e4gen (Credit Support Annex, CSA) werden in der Berechnung ber\u00fccksichtigt. Bei diesen errechnen sich die </span></span></div><div class=\"ps22527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Risikobetr\u00e4ge nicht direkt aus den simulierten Marktwerten, sondern aus einer zuk\u00fcnftig erwarteten \u00c4nderung der </span></span></div><div class=\"ps22528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Marktwerte \u00fcber einer Margin Period of Risk von zehn Tagen. Zur Ermittlung der Ausfallwahrscheinlichkeit leitet der Konzern, </span></span></div><div class=\"ps22529 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sofern direkte CDS-Quotierungen (Credit Default Swap, CDS) zur Verf\u00fcgung stehen, f\u00fcr den jeweiligen Kontrahenten die </span></span></div><div class=\"ps22530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">marktbasierte Ausfallwahrscheinlichkeit und implizit die Verlustquote (Loss Given Default, LGD) ab. Die </span></span></div><div class=\"ps22531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeit von nicht aktiv auf dem Markt gehandelten Kontrahenten wird durch Zuordnung des internen Ratings </span></span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">eines Kontrahenten an eine sektor- und ratingspezifische CDS-Kurve bestimmt. </span></span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die DVA-Bewertungsanpassung wird durch den erwarteten negativen Risikobetrag (Expected Negative Exposure) und durch die </span></span></div><div class=\"ps5128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditqualit\u00e4t der RBI bestimmt und stellt die Wertanpassung in Bezug auf die eigene Ausfallwahrscheinlichkeit dar. Die </span></span></div><div class=\"ps5129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Berechnung erfolgt von der Methodik her analog zum CVA. F\u00fcr die Bewertung von OTC-Derivaten wurde kein Funding Value </span></span></div><div class=\"ps22532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment (FVA) ber\u00fccksichtigt. Die RBI beobachtet die Entwicklungen auf dem Markt und wird gegebenenfalls eine Methode </span></span></div><div class=\"ps22533 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">f\u00fcr die Ermittlung des FVA entwickeln.</span></span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die in der Bilanz zum Fair Value ausgewiesenen Finanzinstrumente werden in den folgenden Tabellen nach Bilanzposten </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gegliedert dargestellt. </span></span></div><div class=\"ps4827 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps17662 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22535\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22536\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps7134\">3.685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6452\">3.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19576\">2.289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11505 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps10656\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22538\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9379\">3.376<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16646 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17678 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10605\">3.402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12572\">502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12621\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16651 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps415\">449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22539\">3.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17771\">147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16658 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22540\">1.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17690 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22541\">239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22334\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22543 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22542\">357<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22544 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19931 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps431\">979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16664 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps7448\">327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22546 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22545\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22547 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17774\">733<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12765 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17698 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17699 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17700 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17701 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15110\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17703 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6030\">356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17686\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22541\">326<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15648\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22548\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17774\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12795 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12637\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17717 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17259\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17718 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17719 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12629\">286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17720 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17721 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22549 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16900\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13533 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22537\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17226 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22550 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1623\">286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17229 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18584\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22551 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22552 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps6047\">3.350<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13539 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12472\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17236 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22553\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22554 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps7125\">2.645<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11530 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps6729\">693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11531 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17761\">272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22555 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18491\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13545 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22557 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17737\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22558 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22559 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12601\">181<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22560 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7175\">3.317<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13551 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21865\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22561 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22292\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22562 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10879\">2.615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22563 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22542\">693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22564 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7986\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22565 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13557 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps355\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22566 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22567 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22568 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps9443\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22569 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22576 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps17662 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22535\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22536\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps10658\">1.309<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1593\">9.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12608\">991<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11505 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22570\">8.313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps20501\">2.782<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16646 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17678 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">3.031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8547\">1.305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17686\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16651 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16894\">988<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps340\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16658 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17690 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8538\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps102 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22543 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22544 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19931 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16664 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22546 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22547 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22571 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22572 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps10112\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19938 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22573 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22574 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps216\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22575 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12548\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps5662\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8523\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps13131\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12795 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17717 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps16896\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17718 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17719 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17720 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1681\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17721 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewegungen von zum Fair Value bewerteten Finanzinstrumenten zwischen Level I und </span><span id=\"i100591f64b8143c0bfd4ef928cfb5ec8\"></span></span></div><div class=\"ps22578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Level II</span></span></div><div class=\"ps22579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Finanzinstrumente mit einem Volumen von \u20ac 52 Millionen standen zum 31. Dezember 2025 Marktwerte zur Verf\u00fcgung. Zum </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beispiel gab es anstelle des BVAL-Werts (Bloomberg Evaluation) den BGN-Wert (Bloomberg Generic Price). Folglich wurden diese </span></span></div><div class=\"ps22581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wertpapiere von Level II auf Level I umgegliedert. Bei den Verschiebungen von Level I zu Level II handelt es sich haupts\u00e4chlich </span></span></div><div class=\"ps22582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">um Anleihen in H\u00f6he von \u20ac 22 Millionen, f\u00fcr die zum Zeitpunkt des Transfers nur abgeleitete Preise zur Verf\u00fcgung standen. </span></span></div><div class=\"ps22583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewegungen von zum Fair Value bewerteten Finanzinstrumenten in Level III</span><span id=\"i606479dcda544ff98bae6d3f898ecdd2\"></span></span></div><div class=\"ps22584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Der Gesamtbestand an Level-III-Verm\u00f6genswerten stieg in der Berichtsperiode um netto \u20ac 262 Millionen. Bei den Finanz-</span><span class=\"f ps24\"> </span></span></div><div class=\"ps22585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">instrumenten, die verpflichtend zum Fair Value bilanziert werden m\u00fcssen, kam es zu einer Erh\u00f6hung um netto \u20ac 246 Millionen, </span></span></div><div class=\"ps22586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">im Wesentlichen durch Zug\u00e4nge in \u00d6sterreich, insbesondere aufgrund von substantiellen Vertragsmodifikationen und durch </span></span></div><div class=\"ps22587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditwachstum in Ungarn. In der Bewertungskategorie finanzielle Verm\u00f6genswerte \u2013 Held for Trading erh\u00f6hte sich das </span></span></div><div class=\"ps22588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Volumen um netto \u20ac 7 Millionen, vorwiegend aufgrund von Zug\u00e4ngen in Albanien und Kroatien, wobei die Zug\u00e4nge in Albanien </span></span></div><div class=\"ps22589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durch noch h\u00f6here Abg\u00e4nge wieder aufgehoben wurden. Die Bewertungskategorie finanzielle Verm\u00f6genswerte - Fair Value </span></span></div><div class=\"ps22590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Through Other Comprehensive Income erh\u00f6hte sich um \u20ac 8 Millionen, insbesondere durch Zug\u00e4nge und positive </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsergebnisse in \u00d6sterreich. In der Gesamtnettover\u00e4nderung von \u20ac 255 Millionen waren netto rund \u20ac 14 Millionen </span></span></div><div class=\"ps22592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wechselkursschwankungen enthalten. </span></span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:174pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:78.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1257\"><div><div class=\"ps264 ss1256\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22593 ss1258\"><div><div class=\"ps12528 ss606\"><span class=\"f charStyle-1dbd4d87 ps12901\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss606\"><span class=\"f charStyle-1dbd4d87 ps13083\">1.1.2025</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22594 ss1259\"><div><div class=\"ps12528 ss1162\"><span class=\"f charStyle-1dbd4d87 ps18695\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1162\"><span class=\"f charStyle-1dbd4d87 ps18492\">Konsolidierungskreis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1260\"><div><div class=\"ps12528 ss111\"><span class=\"f charStyle-3e64e966 ps2702\">W\u00e4hrungs-</span></div><div class=\"ps12526 ss111\"><span class=\"f charStyle-3e64e966 ps2090\">differenzen</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22595 ss1260\"><div><div class=\"ps12526 ss111\"><span class=\"f charStyle-1dbd4d87 ps13481\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5727 ss1260\"><div><div class=\"ps12526 ss111\"><span class=\"f charStyle-1dbd4d87 ps5195\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1257\"><div><div class=\"ps31 ss1256\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1257\"><div><div class=\"ps31 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22596 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7127\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22598 ss1167\"><div><div class=\"ps31 ss1162\"><span class=\"f charStyle-375ad3a6 ps22597\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16884 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps4156\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22599 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10129\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22600 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps17664\">-48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1261\"><div><div class=\"ps1485 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22601 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-375ad3a6 ps10496\">733<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22602 ss1168\"><div><div class=\"ps516 ss1162\"><span class=\"f charStyle-375ad3a6 ps22597\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22443 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps22603\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21822 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps3165\">301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22604 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps1468\">-47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1261\"><div><div class=\"ps1485 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-375ad3a6 ps22605\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22607 ss1168\"><div><div class=\"ps516 ss1162\"><span class=\"f charStyle-375ad3a6 ps22597\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17507 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21826 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22608 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1261\"><div><div class=\"ps1485 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Comprehensive Income</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22609 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-375ad3a6 ps11962\">272<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22611 ss1168\"><div><div class=\"ps516 ss1162\"><span class=\"f charStyle-375ad3a6 ps22610\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17513 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps17895\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22612 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10664\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22613 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps19680\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1934 ss1257\"><div><div class=\"ps31 ss1256\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22614 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-1dbd4d87 ps21218\">1.019<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22616 ss1167\"><div><div class=\"ps31 ss1162\"><span class=\"f charStyle-1dbd4d87 ps22615\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22618 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps22617\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22619 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps17771\">364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22620 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps17303\">-98<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22651 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:173.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1262\"><div><div class=\"ps264 ss485\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22621 ss1263\"><div><div class=\"ps12526 ss137\"><span class=\"f charStyle-1dbd4d87 ps12530\">Erfolg in GuV<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22622 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-3e64e966 ps17777\">Erfolg im sonstigen </span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-3e64e966 ps20359\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5431 ss1265\"><div><div class=\"ps12528 ss1191\"><span class=\"f charStyle-1dbd4d87 ps3069\">Transfer in <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12863\">Level III</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10675 ss1266\"><div><div class=\"ps12528 ss259\"><span class=\"f charStyle-1dbd4d87 ps3003\">Transfer aus <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss259\"><span class=\"f charStyle-1dbd4d87 ps13257\">Level III</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss1266\"><div><div class=\"ps12528 ss259\"><span class=\"f charStyle-1dbd4d87 ps5350\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss259\"><span class=\"f charStyle-1dbd4d87 ps6730\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1262\"><div><div class=\"ps31 ss485\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1262\"><div><div class=\"ps31 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22623 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps254\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22625 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22626 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22627 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22628 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps4179\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1268\"><div><div class=\"ps1485 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22629 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-375ad3a6 ps12488\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22630 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22631 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22632 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22633 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">979<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1268\"><div><div class=\"ps1485 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22634 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22635 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22636 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22637 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1268\"><div><div class=\"ps1485 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Comprehensive Income</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22638 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22640 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22639\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22641 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22642 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22643 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps405\">281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1934 ss1262\"><div><div class=\"ps31 ss485\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22644 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps14902\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22646 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-1dbd4d87 ps22645\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22647 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22648 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps12816\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22650 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps22649\">1.281<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualitative Informationen zur Bewertung von Level-III-Finanzinstrumenten<span id=\"i130b3887198d4edfa2b35eabb04e7b9f\"></span></span></div><div class=\"ps22699 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:149.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:95.25pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:13.5pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1270\"><div><div class=\"ps264 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22654 ss1271\"><div><div class=\"ps5426 ss99\"><span class=\"f charStyle-1dbd4d87 ps11539\">Marktwert in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss99\"><span class=\"f charStyle-1dbd4d87 ps11305\">Millionen\u00b9</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22655 ss1273\"><div><div class=\"ps5427 ss1272\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewertungsmethode<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13624 ss1251\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-1dbd4d87 ps30\">beobachtbare Input-<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss795\"><span class=\"f charStyle-1dbd4d87 ps30\">Faktoren</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss1251\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-1dbd4d87 ps10285\">Umfang der nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-1dbd4d87 ps571\">beobachtbaren Input-</span></div><div class=\"ps3019 ss795\"><span class=\"f charStyle-1dbd4d87 ps17190\">Faktoren</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22656 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22657 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1275\"><div><div class=\"ps5430 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalanlagen,<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanine-Kapital,<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Erg\u00e4nzungskapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22658 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps12621\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22659 ss1273\"><div><div class=\"ps5426 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Indicative Prices (Richtpreise), <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Alternative Anlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22660 ss1251\"><div><div class=\"ps5427 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22372 ss1251\"><div><div class=\"ps5427 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss1276\"><div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Staatsanleihen, festverzinsliche Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22661 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22662 ss1277\"><div><div class=\"ps516 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">DCF-Verfahren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22663 ss796\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Credit Spread; (Auktions-) <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Zinskurve</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22664 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps15112\">2,5 - 14,77 %<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22665 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps431\">979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1276\"><div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22666 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1277\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Vereinfachte<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalwertmethode <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22667 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22668 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und andere nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">festverzinsliche Wertpapiere</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22669 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22670 ss1277\"><div><div class=\"ps1485 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Nettoverm\u00f6genswert<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Marktpreisindikation<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22671 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">(Auktions-) Preis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22411 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss1278\"><div><div class=\"ps22672 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22673 ss1279\"><div><div class=\"ps22672 ss99\"><span class=\"f charStyle-375ad3a6 ps22548\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22674 ss1280\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Retail: DCF-Verfahren (Black-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Scholes, Vorf\u00e4lligkeitsoptionen,<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Widerrufsm\u00f6glichkeit usw.)<span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Non-Retail: DCF-Verfahren/<span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Optionsbewertung<span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">(Black-Scholes (shifted) Model;<span class=\"f ps24\"> </span></span></div><div class=\"ps5395 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Hull-White Trinominal Tree)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22675 ss1281\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Spread (Neugesch\u00e4ft)<span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Funding-Kurven <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">(Liquidit\u00e4tskosten)</span></div><div class=\"ps5396 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisikopr\u00e4mie (CDS-<span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Kurven)</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22678 ss1281\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-375ad3a6 ps11491\">1,22 - 3,84 % \u00fcber alle <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-375ad3a6 ps8899\">W\u00e4hrungen</span></div><div class=\"ps3750 ss795\"><span class=\"f charStyle-375ad3a6 ps22676\">-0,15 - 3,34 % \u00fcber alle <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss795\"><span class=\"f charStyle-375ad3a6 ps8899\">W\u00e4hrungen</span></div><div class=\"ps5395 ss795\"><span class=\"f charStyle-375ad3a6 ps22677\">0,17 - 5,46 % <span class=\"f ps24\"> </span></span></div><div class=\"ps5396 ss795\"><span class=\"f charStyle-375ad3a6 ps10929\">(abh\u00e4ngig vom rating:\u00a0 von <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss795\"><span class=\"f charStyle-375ad3a6 ps5659\">A bis CCC)</span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7923 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22679 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22553\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:39pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14002 ss1282\"><div><div class=\"ps5917 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22680 ss1283\"><div><div class=\"ps5917 ss99\"><span class=\"f charStyle-375ad3a6 ps464\">64<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22681 ss1284\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Dividend Discount Model <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Vereinfachte<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Ertragswertmethode <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">DCF-Verfahren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22682 ss1285\"><div><div class=\"ps515 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Credit Spread<span class=\"f ps24\"> </span></span></div><div class=\"ps5912 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow<span class=\"f ps24\"> </span></span></div><div class=\"ps5913 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz<span class=\"f ps24\"> </span></span></div><div class=\"ps5915 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Dividenden<span class=\"f ps24\"> </span></span></div><div class=\"ps5917 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Beta-Faktor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22683 ss1285\"><div><div class=\"ps5917 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4618 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15648\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22685 ss1286\"><div><div class=\"ps31 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Adjusted Net Asset Value Methode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22686 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Angepasstes Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22687 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:54pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6156 ss1287\"><div><div class=\"ps22688 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22689 ss1288\"><div><div class=\"ps22688 ss99\"><span class=\"f charStyle-375ad3a6 ps17672\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22690 ss1289\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Multiplikatormethode<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Transaktionspreis<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Anschaffungskosten<span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Kostenann\u00e4herung<span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertungsgutachten<span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Kostenansatz abz\u00fcglich<span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22691 ss1290\"><div><div class=\"ps22688 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22693 ss1290\"><div><div class=\"ps22688 ss795\"><span class=\"f charStyle-375ad3a6 ps22692\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14507 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Staatsanleihen, <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kommunalschuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22694 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps22292\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22695 ss1277\"><div><div class=\"ps516 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">DCF-Verfahren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22696 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Zinskurve<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22697 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6855 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22698 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6987\">1.281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4t des Fair Values f\u00fcr finanzielle Verm\u00f6genswerte (Level III) und <span id=\"i09bc0a5d5a7a41bda5e2ffce721e17aa\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verbindlichkeiten, die zum Fair Value bewertet werden</span></div><div class=\"ps15585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die Berechnungen der nicht beobachtbaren Input-Parameter basieren haupts\u00e4chlich auf \u00c4nderungen der Credit Spreads f\u00fcr </span></span></div><div class=\"ps15587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anleihen und Kredite sowie auf den Marktwerten vergleichbarer Aktien. F\u00fcr Anleihen und Kredite f\u00fchrt ein Anstieg (R\u00fcckgang) </span><span class=\"f ps24\"> </span></span></div><div class=\"ps15588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Credit Spreads um 100 Basispunkte zu einem entsprechenden R\u00fcckgang (Anstieg) im Fair Value. Bei nicht b\u00f6rsennotierten </span><span class=\"f ps24\"> </span></span></div><div class=\"ps15590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Eigenkapitalinstrumenten f\u00fchrt eine Erh\u00f6hung (R\u00fcckgang) des Preises um 10 Prozent zu einer entsprechenden Erh\u00f6hung </span><span class=\"f ps24\"> </span></span></div><div class=\"ps15591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(R\u00fcckgang) des Fair Values.</span></span></div><div class=\"ps22702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verm\u00f6genswerte<span id=\"id871790c52374e3f85e6a807fa98c114\"></span></span></div><div class=\"ps22708 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22703\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps39 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22704\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps47 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps48 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps49 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps53 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps55 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps57 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps59 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps61 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps63 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17739\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps68 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22705\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps70 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps72 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18510\">689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps74 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15179\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps76 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17995\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps81 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps85 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22706\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps87 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps89 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Effekt in der Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps92 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps94 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17557\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps96 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17792\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps98 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps99 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19196\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps101 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps22707\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22714 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22703\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps39 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22704\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps47 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps48 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps49 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps53 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps55 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps57 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps59 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps61 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps63 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17253\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps68 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18379\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps70 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22298\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps72 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17780\">91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps74 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18494\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps76 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18777\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps81 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17780\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22710\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps85 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22711\">181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps87 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22712\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps89 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21885\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Effekt im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps92 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps94 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17548\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps96 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps22713\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps98 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps99 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17234\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps101 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19686\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-414": {
   "value": "<div class=\"ps19050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fair Value von Finanzinstrumenten <span id=\"i1b3790c702394520aa44fb8df9c50da8\"></span></span></div><div class=\"ps19051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der beizulegende Zeitwert (Fair Value) ist jener Preis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen Marktteilnehmer:innen </span></div><div class=\"ps19052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am Bemessungsstichtag f\u00fcr den Verkauf eines Verm\u00f6genswerts eingenommen bzw. f\u00fcr die \u00dcbertragung einer Schuld gezahlt </span></div><div class=\"ps19053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden w\u00fcrde. Dies gilt unabh\u00e4ngig davon, ob der Preis direkt beobachtbar oder unter Anwendung einer Bewertungsmethode </span></div><div class=\"ps19054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesch\u00e4tzt worden ist. Bei der Ermittlung des beizulegenden Zeitwerts eines Verm\u00f6genswerts oder einer Schuld ber\u00fccksichtigt </span></div><div class=\"ps19055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzern bestimmte Merkmale des Verm\u00f6genswerts oder der Schuld (z. B. Zustand und Standort des Verm\u00f6genswerts oder <span class=\"f ps24\"> </span></span></div><div class=\"ps19056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verkaufs- und Nutzungsbeschr\u00e4nkungen), wenn Marktteilnehmer:innen diese Merkmale bei der Preisfestlegung f\u00fcr den Erwerb </span></div><div class=\"ps19057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des jeweiligen Verm\u00f6genswerts oder die \u00dcbertragung der Schuld zum Bewertungsstichtag ebenfalls ber\u00fccksichtigen w\u00fcrden. <span class=\"f ps24\"> </span></span></div><div class=\"ps19058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist der Markt f\u00fcr ein Finanzinstrument nicht aktiv, wird der Fair Value anhand einer Bewertungsmethode oder eines <span class=\"f ps24\"> </span></span></div><div class=\"ps19059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preismodells ermittelt. Generell werden f\u00fcr Bewertungsmethoden Sch\u00e4tzungen herangezogen, deren Ausma\u00df von der </span></div><div class=\"ps19060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Komplexit\u00e4t des Instruments und der Verf\u00fcgbarkeit marktbasierter Daten abh\u00e4ngt. Die Input-Parameter f\u00fcr diese Modelle </span></div><div class=\"ps19061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden so weit wie m\u00f6glich von beobachtbaren Marktdaten abgeleitet, trotzdem sind vielfach nicht beobachtbare Marktdaten </span></div><div class=\"ps19062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich. Unter Umst\u00e4nden sind Bewertungsanpassungen notwendig, um weiteren Faktoren wie Modellrisiken, </span></div><div class=\"ps19063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisiken oder Kreditrisiken Rechnung zu tragen. Die Beschreibung der Bewertungsmodelle findet sich im Abschnitt </span></div><div class=\"ps19064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klassifizierung und Bewertung von finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten. Zus\u00e4tzlich werden die Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps19068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Values von Finanzinstrumenten unter Punkt </span><span class=\"f charStyle-9eccfdcb ps19065\">(23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten</span><span class=\"f charStyle-9eccfdcb ps19066\"> </span><span class=\"f charStyle-9eccfdcb ps19067\">dargestellt. </span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(16) Fair Value von Finanzinstrumenten, die nicht zum Fair Value <span id=\"i61ecd333326d4012893dac48c3034f3f\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-27958eee ps17\">ausgewiesen werden</span><span class=\"f charStyle-27958eee\"><span class=\"ps21809\"><span style=\"display:inline-block;height:9.88pt;width:21.99pt\"></span></span></span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr folgende Instrumente wird der beizulegende Zeitwert nur f\u00fcr Zwecke der Anhangangaben kalkuliert und hat weder Einfluss </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die Konzernbilanz noch auf die Konzern-Erfolgsrechnung. F\u00fcr alle kurzfristigen Transaktionen (Transaktionen mit einer <span class=\"f ps24\"> </span></span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeit von bis zu drei Monaten) wird eine vereinfachte Fair-Value-Berechnungsmethode f\u00fcr Kredite und Forderungen </span></div><div class=\"ps21810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewendet. Der beizulegende Zeitwert dieser kurzfristigen Transaktionen entspricht dem Buchwert des Produkts. F\u00fcr die </span></div><div class=\"ps21811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Transaktionen wird die im Abschnitt Fair Value von zum Fair Value ausgewiesenen Finanzinstrumenten beschriebene </span></div><div class=\"ps21812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Methode angewendet.</span></div><div class=\"ps21853 ss0\"><div class=\"ss1231 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13344\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21814 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1081\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps9088\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21375 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21816\">Fair Value<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21817 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps2094\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11191\">Differenz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17674 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21819 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21820 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21821 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21822 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19412 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12736 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21823\">33.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13222 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps10459\">1.947<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17959 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21824\">119.632<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21825 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5943\">155.028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21826 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps3158\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19585 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1654\">-481<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12745 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps6818\">33.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13233 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21641\">1.947<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17965 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps8533\">2.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps6990\">38.026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21828 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps3117\">38.150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19429 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps19400\">-124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12756 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13244 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18613\">117.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18613\">117.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21831 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11470\">117.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19436 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11549\">-356<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12777 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8722\">1.145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13269 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps12707\">18.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7023\">150.990<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21833 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1476\">171.086<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21834 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13100\">170.225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21835 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16896\">861<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13282 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21836 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">148.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">148.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">147.849<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21840 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21839\">479<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12795 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13577\">1.145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps20487\">18.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21841 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps184\">1.375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21842\">21.471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21844 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps1604\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21845 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21839\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12803 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21847 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21849 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19794 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1232\"><div><div class=\"ps3120 ss1231\"><span class=\"f charStyle-2babd150 ps30\">1 Gem\u00e4\u00df IFRS 7 sind Leasingverbindlichkeiten nicht enthalten.<span class=\"f ps24\"> </span></span></div><div class=\"ps21850 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level I Notierte Marktpreise<span class=\"f ps24\"> </span></span></div><div class=\"ps21851 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level II Auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div><div class=\"ps21852 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level III Nicht auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21866 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps534\">Fair Value<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1664\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps21854\">Differenz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17674 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17675 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17677 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16646 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17678 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17679 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12736 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12766\">26.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21856 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6493\">1.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17163 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps9403\">118.021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21857 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6462\">146.530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12455\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21858 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps7196\">-1.171<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12745 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21859\">26.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21860 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19568\">1.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17171 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">1.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1608\">30.473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17173 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16642\">30.783<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21862\">-310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12756 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17692 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17693 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21864\">116.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17694 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21864\">116.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17696 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8907\">116.919<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17765\">-862<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12472\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18025\">18.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11488\">143.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11462\">162.361<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11547\">162.951<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps13003\">-590<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12470\">139.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12470\">139.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11446\">140.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps297\">-889<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12795 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21865\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17717 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10573\">18.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17718 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">1.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17719 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps330\">21.301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17720 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12445\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17721 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1623\">298<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12803 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17723 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17724 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17725 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11525 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11527 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1233\"><div><div class=\"ps3120 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Gem\u00e4\u00df IFRS 7 sind Leasingverbindlichkeiten nicht enthalten.<span class=\"f ps24\"> </span></span></div><div class=\"ps21850 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level I Notierte Marktpreise<span class=\"f ps24\"> </span></span></div><div class=\"ps21851 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level II Auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div><div class=\"ps21852 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level III Nicht auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Zum Fair Value bewertete Finanzinstrumente<span id=\"i845d733410504a4ca47a2e289e210bc5\"></span></span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(17) Finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive <span id=\"i83a39ae3550a41f28739760e426e4263\"></span></span></div><div class=\"ps5602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Income</span></div><div class=\"ps5603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Fremdkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn beide der </span></div><div class=\"ps5604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden Bedingungen erf\u00fcllt sind:<span class=\"f ps24\"> </span></span></div><div class=\"ps15710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert wird im Rahmen eines Gesch\u00e4ftsmodells gehalten, dessen Zielsetzung darin besteht, sowohl </span></div><div class=\"ps15712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vertragliche Cash-Flows zu vereinnahmen als auch finanzielle Verm\u00f6genswerte zu ver\u00e4u\u00dfern.</span></div><div class=\"ps21867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die vertraglichen Ausstattungsmerkmale des Verm\u00f6genswerts f\u00fchren an festgelegten Zeitpunkten zu Cash-Flows, <span class=\"f ps24\"> </span></span></div><div class=\"ps21868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen.</span></div><div class=\"ps21869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Kategorie werden vor allem Wertpapiere der Liquidit\u00e4tssteuerung zugeordnet.</span></div><div class=\"ps21870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bewertung erfolgt zum beizulegenden Zeitwert. Zinsertr\u00e4ge, Fremdw\u00e4hrungsgewinne und -verluste aus der Neubewertung </span></div><div class=\"ps21871 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie Wertminderungsaufwendungen oder Wertaufholungen werden in der Erfolgsrechnung erfasst und so berechnet wie bei </span></div><div class=\"ps21872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu fortgef\u00fchrten Anschaffungskosten bewerteten finanziellen Verm\u00f6genswerten. Die verbleibenden Fair-Value-\u00c4nderungen </span></div><div class=\"ps21873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im sonstigen Ergebnis erfasst. Bei Ausbuchung werden die im sonstigen Ergebnis erfassten kumulierten Nettogewinne </span></div><div class=\"ps21874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder -verluste aus den Fair-Value-\u00c4nderungen in die Erfolgsrechnung umgegliedert. Erl\u00e4uterungen zum angewandten </span></div><div class=\"ps21875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungsmodell finden sich im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9).</span></div><div class=\"ps21876 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Eigenkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn sich die RBI bei </span></div><div class=\"ps21877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ersterfassung unwiderruflich daf\u00fcr entscheidet, nachfolgende \u00c4nderungen des Fair Values im sonstigen Ergebnis (OCI) <span class=\"f ps24\"> </span></span></div><div class=\"ps21878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darzustellen. Diese Entscheidung wird f\u00fcr jede Anlage einzeln getroffen und betrifft im Wesentlichen strategische </span></div><div class=\"ps21879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen, die nicht vollkonsolidiert werden, sowie assoziierte Unternehmen, die nicht at-equity bewertet werden. Anders </span></div><div class=\"ps21880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als bei Schuldinstrumenten werden die im sonstigen Ergebnis (OCI) erfassten Gewinne und Verluste beim Verkauf nicht in die </span></div><div class=\"ps21881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung umgegliedert, und auch Wertminderungen werden nicht erfolgswirksam erfasst.</span></div><div class=\"ps21953 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20235\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21914\">4.255<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21921\">3.532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21925\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20258\">3.517<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21928\">573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21933\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21940\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21948\">4.506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20712\">4.486<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21964 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20737\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21956\">3.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1186\">2.207<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20625\">685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21959\">680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21960\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21961\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20162\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21962\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21963\">3.610<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert des Postens finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income erh\u00f6hte sich im </span></div><div class=\"ps21966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleich zum Jahresende 2024 um \u20ac 876 Millionen auf \u20ac 4.486 Millionen, vorwiegend durch den Kauf von Staatsanleihen in </span></div><div class=\"ps21967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rum\u00e4nien, Tschechien und der Ukraine, teilweise kompensiert durch den Verkauf von Staatsanleihen in Ungarn.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenkapitalinstrumente in den finanziellen Verm\u00f6genswerten \u2013 Fair Value Through Other Comprehensive Income:</span></div><div class=\"ps7104 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:64.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps779 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-1dbd4d87 ps17448\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Visa Inc., San Francisco (US), Class A Preferred Stock<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps787 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21970\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">CEESEG Aktiengesellschaft, Wien (AT), Stammaktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21971\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps812\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Medicur - Holding Gesellschaft m.b.H., Wien (AT), Gesellschaftsanteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21972\">18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">HOBEX AG, Salzburg (AT), Gesellschaftsanteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps19281\">13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">PSA Payment Services Austria GmbH, Wien (AT), Gesellschaftsanteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21973\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21974\">108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21477\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-1dbd4d87 ps20866\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgesch\u00fcttete Dividende auf Eigenkapitalinstrumente - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps20870\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Buchwerte der finanziellen Verm\u00f6genswerte \u2013 Fair Value Through Other <span id=\"ie06755b3784c4a188233184093abeaa9\"></span></span></div><div class=\"ps21976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Comprehensive Income ohne Eigenkapitalinstrumente nach Rating-Kategorien und </span></div><div class=\"ps21977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stages<span class=\"f ps24\"> </span></span></div><div class=\"ps22004 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1223\"><div><div class=\"ps3137 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps17390\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps21438\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21439 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps20916\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps1148\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12333 ss877\"><div><div class=\"ps3137 ss876\"><span class=\"f charStyle-1dbd4d87 ps20194\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1224\"><div><div class=\"ps516 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21440 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps12494\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps12503\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21442 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21443 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21444 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20647\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21447 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21449 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21450 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21451 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21978\">589<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20670\">914<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21454 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21455 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21457 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21459 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21979\">914<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21980\">2.106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21462 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21981\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21463 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21465 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21467 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21982\">2.149<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21983\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21470 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21984\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21471 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21473 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21475 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21985\">37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21986\">576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21478 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21479 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21481 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21483 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21534\">581<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21485 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21487 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21488 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21489 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21987\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21491 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21492 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21494 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21496 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21498 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21988\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21499 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21989\">4.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21501 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21990\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21503 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21991\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8534 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21505 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps21993\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21507 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21512\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21509 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21994\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21511 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21995\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21513 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21515 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21996\">-70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kumuliertes sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21516 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13625\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21517 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21527\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21518 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21520 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21522 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21997\">50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21998 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20208\">4.201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22000 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21999\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22001 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22002 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22003 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps20553\">4.255<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22078 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:98.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22005 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps17390\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps21438\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22007 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps20916\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps1148\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22008 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps4165\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1241\"><div><div class=\"ps516 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22009 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps12494\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps12503\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22010 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22011 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22012 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22014 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22013\">752<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22015 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22016 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22017 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22018 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22013\">752<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22019 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19920\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22021 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22023 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19920\">861<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22025 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22024\">1.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22026 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21540\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22027 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22028 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22030 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22029\">1.437<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22032 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22031\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22031\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22038 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22037\">315<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20612\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22040 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22043 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22042\">348<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22044 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22046 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22048 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22049 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22051 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22053 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22054 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps18521\">3.304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22056 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps22055\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22057 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21991\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10363 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22058 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21533\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22060 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22059\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22062 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22063 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22064 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22065 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21512\">-59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Kumuliertes sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22067 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22066\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22068 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21527\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22069 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22071 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22031\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22072 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps18455\">3.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22073 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps22055\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22074 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22075 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22077 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps22076\">3.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(18) Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair <span id=\"i042f4693f9be4cfa9a3f6706415f2ffa\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value Through Profit/Loss</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein finanzieller Verm\u00f6genswert wird in der RBI verpflichtend zum Fair Value ausgewiesen, wenn der finanzielle Verm\u00f6genswert </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weder zu fortgef\u00fchrten Anschaffungskosten noch zum Fair Value Through Other Comprehensive Income bewertet wird, zudem </span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Handelsabsicht besteht und der Verm\u00f6genswert nicht freiwillig zum Fair Value designiert wurde. Im Wesentlichen handelt </span></div><div class=\"ps21810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sich hierbei um Wertpapiere und Kredite, die die \u00dcberpr\u00fcfung der vertraglichen Zahlungsstrombedingungen nicht erf\u00fcllen, </span></div><div class=\"ps21811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. Portfolios von finanziellen Verm\u00f6genswerten, die nicht Handelszwecken dienen, die anhand des Fair Values gesteuert und </span></div><div class=\"ps21812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach dessen Wertentwicklung beurteilt werden.</span></div><div class=\"ps21853 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20644\">410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20142\">399<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22083\">22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22084\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21956\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22085\">277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">187<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21539\">636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">476<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21542\">1.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17356\">1.094<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(19) Finanzielle Verm\u00f6genswerte und Verbindlichkeiten \u2013 Designated Fair <span id=\"i865a4016071b4a02a0a6724f0ba04d20\"></span></span></div><div class=\"ps22088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value Through Profit/Loss</span></div><div class=\"ps22089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Kategorie umfasst im Wesentlichen jene finanziellen Verm\u00f6genswerte, die zum Zeitpunkt des erstmaligen Bilanzansatzes </span></div><div class=\"ps22090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflich als designiertes Finanzinstrument zum Fair Value gewidmet wurden (sog. Fair-Value-Option). Die Anwendung der </span></div><div class=\"ps22091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Option ist an die Voraussetzung gekn\u00fcpft, dass Inkongruenzen bei der Bewertung oder beim Ansatz beseitigt oder </span></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant verringert werden. Diese entstehen, wenn die Bewertung von finanziellen Verm\u00f6genswerten oder Verbindlichkeiten <span class=\"f ps24\"> </span></span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder die Erfassung von daraus resultierenden Gewinnen oder Verlusten auf unterschiedlicher Grundlage erfolgt. <span class=\"f ps24\"> </span></span></div><div class=\"ps22094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso werden finanzielle Verbindlichkeiten als Finanzinstrumente zum Fair Value designiert, um Bewertungsabweichungen </span></div><div class=\"ps22095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von den mit ihnen im Zusammenhang stehenden Derivaten zu vermeiden. Der Fair Value der unter Anwendung der Fair-Value-</span></div><div class=\"ps22096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Option in diese Kategorie klassifizierten finanziellen Verpflichtungen enth\u00e4lt s\u00e4mtliche Marktrisikofaktoren einschlie\u00dflich des </span></div><div class=\"ps22097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit diesen finanziellen Verpflichtungen in Verbindung stehenden Kreditrisikos des Emittenten. </span></div><div class=\"ps22098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den finanziellen Verpflichtungen geh\u00f6ren im Wesentlichen strukturierte Anleihen. Der Fair Value dieser finanziellen </span></div><div class=\"ps22099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen wird durch die Abzinsung der vertraglichen Cash-Flows mithilfe einer kreditrisikoadjustierten Zinsstrukturkurve </span></div><div class=\"ps22100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt, die das Niveau widerspiegelt, auf dem der Konzern \u00e4hnliche Finanzinstrumente zum Bilanzstichtag begeben w\u00fcrde. </span></div><div class=\"ps22101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Marktrisikoparameter werden anhand vergleichbarer Finanzinstrumente ermittelt. Bewertungsergebnisse f\u00fcr </span></div><div class=\"ps22102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die als Finanzinstrument zum Fair Value designiert wurden, werden im Handelsergebnis und Ergebnis aus </span></div><div class=\"ps22103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Bewertungen ausgewiesen. </span></div><div class=\"ps22104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse im Handelsergebnis und Ergebnis </span></div><div class=\"ps22105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen ausgewiesen. Bei finanziellen Verbindlichkeiten, die erfolgswirksam zum beizulegenden Zeitwert </span></div><div class=\"ps22106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designiert werden, sind \u00c4nderungen des Fair Values, die auf eine \u00c4nderung des eigenen Kreditrisikos zur\u00fcckzuf\u00fchren sind, nicht </span></div><div class=\"ps22107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Erfolgsrechnung, sondern im sonstigen Ergebnis ausgewiesen.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span id=\"i9e39870f126b4d3abb3606a2f1378d15\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span id=\"i0b418d0767b945fab2e3f8d72aebfa11\"></span></span></div><div class=\"ps22118 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18508\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22114\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22116\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading<span id=\"i0032ec4a067f4bbaa371ce022647eae2\"></span></span></div><div class=\"ps22121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verm\u00f6genswerte und finanzielle Verbindlichkeiten \u2013 Held For Trading dienen der Nutzung von kurzfristigen </span></div><div class=\"ps22122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktpreisschwankungen. Die zu Handelszwecken dienenden Wertpapiere und derivativen Finanzinstrumente werden zum Fair </span></div><div class=\"ps22123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value bilanziert. F\u00fcr die Ermittlung des Fair Values werden bei b\u00f6rsennotierten Produkten die B\u00f6rsenkurse herangezogen. Sind <span class=\"f ps24\"> </span></span></div><div class=\"ps22124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Kurse nicht vorhanden, werden bei origin\u00e4ren Finanzinstrumenten und Termingesch\u00e4ften auf Basis von </span></div><div class=\"ps22125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnungen und bei Optionen anhand von geeigneten Optionspreismodellen interne Preise ermittelt. Der </span></div><div class=\"ps22126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnung wird eine Zinskurve zugrunde gelegt, die sich aus Geldmarkt-, Future- und Swaps\u00e4tzen zusammensetzt. </span></div><div class=\"ps22127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn positive Marktwerte bestehen, werden die Gesch\u00e4fte den finanziellen Verm\u00f6genswerten \u2013 Held For Trading zugeordnet, <span class=\"f ps24\"> </span></span></div><div class=\"ps22128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei negativen Marktwerten erfolgt ein Ausweis unter den finanziellen Verbindlichkeiten \u2013 Held For Trading. Die Wert\u00e4nderung </span></div><div class=\"ps22129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Marktwerts wird erfolgswirksam im Handelsergebnis dargestellt. Derivate, die Sicherungszwecken gem\u00e4\u00df IAS 39 dienen, </span></div><div class=\"ps22130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter dem Bilanzposten Hedge Accounting ausgewiesen. Au\u00dferdem sind etwaige Lieferverbindlichkeiten aus </span></div><div class=\"ps22131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapier-Leerverk\u00e4ufen in den finanziellen Verbindlichkeiten \u2013 Held For Trading dargestellt.</span></div><div class=\"ps22132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalgarantierte Produkte (Garantiefonds und Zukunftsvorsorge) werden als verkaufte Put-Optionen auf den jeweils zu </span></div><div class=\"ps22133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">garantierenden Fonds dargestellt. Der Konzern hat im Rahmen der staatlich gef\u00f6rderten pr\u00e4mienbeg\u00fcnstigten </span></div><div class=\"ps22134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zukunftsvorsorge gem. \u00a7 108h Abs 1 Z 3 EStG Kapitalgarantieverpflichtungen abgegeben. Dabei garantiert das Kreditinstitut, </span></div><div class=\"ps22135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass im Fall einer Verrentung der f\u00fcr die Verrentung zur Verf\u00fcgung stehende Auszahlungsbetrag nicht geringer ist als die </span></div><div class=\"ps22136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Summe der vom Steuerpflichtigen eingezahlten Betr\u00e4ge zuz\u00fcglich der f\u00fcr diesen Steuerpflichtigen gutgeschriebenen Pr\u00e4mien </span></div><div class=\"ps22137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Sinn des \u00a7 108g EStG. </span></div><div class=\"ps22138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse werden im Handelsergebnis und </span></div><div class=\"ps22139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen ausgewiesen.</span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18729\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22140\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22141\">2.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22142\">2.318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22143\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21962\">440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22144\">646<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20568\">523<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20120\">453<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20784\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13368\">54<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1188\">258<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20543\">3.330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">2.087<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">2.827<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22146\">1.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22148\">7.230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22149\">5.945<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Innerhalb des Postens finanzielle Verm\u00f6genswerte \u2013 Held for Trading betrugen die als Sicherheit gestellten Wertpapiere, zu </span></div><div class=\"ps22151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deren Verkauf oder Verpf\u00e4ndung der Empf\u00e4nger berechtigt ist, \u20ac\u00a064 Millionen (Vorjahr: \u20ac\u00a0462 Millionen). Der Anstieg der </span></div><div class=\"ps22152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldverschreibungen resultierte vorwiegend aus Zuk\u00e4ufen von Staatsanleihen in der Konzernzentrale.</span></div><div class=\"ps22153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Derivative Finanzinstrumente<span id=\"i4cb8feb7cf49461fb82171010e4b9a12\"></span></span></div><div class=\"ps22154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit wickelt die RBI Transaktionen mit derivativen Finanzinstrumenten sowohl zu </span></div><div class=\"ps22155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handels- als auch zu Sicherungszwecken ab. Zu den in der RBI eingesetzten Derivaten z\u00e4hlen Swaps, standardisierte </span></div><div class=\"ps22156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Terminkontrakte, Termingesch\u00e4fte, Kreditderivate, Optionen und \u00e4hnliche Kontrakte. RBI setzt Derivate ein, um den </span></div><div class=\"ps22157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bed\u00fcrfnissen der Kund:innen im Rahmen von deren Risikomanagement Rechnung zu tragen, um Risiken zu steuern und </span></div><div class=\"ps22158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzusichern sowie um Ertr\u00e4ge im Eigenhandel zu generieren. Derivate werden zum Zeitpunkt des Vertragsabschlusses zum </span></div><div class=\"ps22159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert angesetzt und anschlie\u00dfend auch zu diesem bewertet. Der aus der Bewertung resultierende Gewinn </span></div><div class=\"ps22160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder Verlust wird im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen erfasst, es sei denn, das Derivat ist als </span></div><div class=\"ps22161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsinstrument im Rahmen des Hedge Accounting designiert und effektiv. Hier h\u00e4ngt der Zeitpunkt der Erfassung der </span></div><div class=\"ps22162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse von der Art der Sicherungsbeziehung ab. </span></div><div class=\"ps22163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung gegen Marktrisiken (ausgenommen Handelsaktiva/-passiva) abgeschlossen und gegen ein </span></div><div class=\"ps22164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inhomogenes Portfolio gestellt werden, erf\u00fcllen nicht die Bedingung f\u00fcr IAS 39 Hedge Accounting. Sie werden bilanziert, indem </span></div><div class=\"ps22165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dirty Prices unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 Held <span class=\"f ps24\"> </span></span></div><div class=\"ps22166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">For Trading ausgewiesen werden. Die Wert\u00e4nderung dieser Derivate auf Basis des Clean Prices ist im Handelsergebnis und </span></div><div class=\"ps22167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen dargestellt, die Zinsen werden im Zins\u00fcberschuss gezeigt.</span></div><div class=\"ps22168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditderivate, deren Wert von dem in der Zukunft erwarteten (Nicht-)Eintritt spezifizierter Kreditereignisse abh\u00e4ngt, sind mit </span></div><div class=\"ps22169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Marktwert unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 </span></div><div class=\"ps22170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Held For Trading ausgewiesen. Die Wert\u00e4nderungen werden im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen </span></div><div class=\"ps22171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps22190 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10962\">199.602<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4169\">3.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17778\">-2.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7791\">141.690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">2.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-2.195<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">4.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19212\">-142<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17793\">48.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-317<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17516\">1.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20215\">-41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">3.139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">18.142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18699\">175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">-85<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17961\">13.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18695\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9359\">5.006<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19541\">217.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4121\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17790\">-2.785<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22185\">215.803<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17396\">3.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22187\">-2.759<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22188\">1.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1172\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7247\">195.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18735\">3.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22192\">-2.824<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8084\">141.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20916\">2.170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.199<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22193\">3.966<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22195\">-121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22196\">47.415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5233\">1.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20257\">-30<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17187\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22198\">12.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10764\">-208<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">7.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">5.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">-130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15126\">208.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8920\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17496\">-3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12774\">206.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20169\">3.388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22200\">-3.004<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17393\">1.944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(21) Finanzielle Verbindlichkeiten - Held For Trading<span id=\"ifa141fd734e04692b3bc7a3f4ebda254\"></span></span></div><div class=\"ps22208 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21500\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17181\">3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20842\">2.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22204\">2.265<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">598<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22207\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22029\">992<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps12533\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21460\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18459\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20137\">9.304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Derivate kam es zu einer Reduktion, welche auf Bewertungseffekte und Wechselkursschwankungen, insbesondere </span></div><div class=\"ps14852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei Zins- und Fremdw\u00e4hrungsderivaten in der Konzernzentrale, zur\u00fcckzuf\u00fchren ist. Im Posten Verbriefte Verbindlichkeiten kam </span></div><div class=\"ps14853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es hingegen zu einem Anstieg in der Konzernzentrale, welcher auf die Erh\u00f6hung der Hybriden Vertr\u00e4ge zur\u00fcckzuf\u00fchren ist. </span></div><div class=\"ps885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betreffend der Bewertungsgrunds\u00e4tze wird auf den Punkt </span><span class=\"f charStyle-9eccfdcb ps22209\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading</span><span class=\"f charStyle-9eccfdcb ps22210\"> verwiesen</span><span class=\"f charStyle-9eccfdcb ps22211\">.</span></div><div class=\"ps22212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(22) Hedge Accounting und Fair-Value Anpassungen aus Portfolio-Fair-<span id=\"i0cffa250e0d743afb78e62fbbb6c551c\"></span></span></div><div class=\"ps22213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value-Hedges</span></div><div class=\"ps22214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS 9 r\u00e4umte in Bezug auf die Bilanzierung von Sicherungsbeziehungen das Wahlrecht ein, weiterhin die Vorschriften des IAS 39 </span></div><div class=\"ps22215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzuwenden, bis das IASB das bestehende Projekt zur Abl\u00f6sung der Portfolio Hedge Accounting - Regelungen in IAS 39 </span></div><div class=\"ps22216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen hat. Die RBI machte Gebrauch von diesem Wahlrecht und wendet daher weiterhin die Vorschriften zur </span></div><div class=\"ps22217 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzierung von Sicherungsbeziehungen gem\u00e4\u00df IAS 39 in der von der EU \u00fcbernommenen Version (\u201cEU-Carve-Out\u201d) an, jedoch </span></div><div class=\"ps22218 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung der \u00c4nderungen in den Anhangangaben nach IFRS 7. </span></div><div class=\"ps22219 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden einzelne Sicherungsinstrumente, im Wesentlichen Derivate, zum Zweck des Risikomanagements gehalten und erf\u00fcllen </span></div><div class=\"ps22220 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Gesch\u00e4fte spezifische Kriterien, werden sie von der RBI ins Hedge Accounting designiert. Dies kann im Rahmen der </span></div><div class=\"ps22221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung des beizulegenden Zeitwerts (Fair Value Hedge), von Zahlungsstr\u00f6men (Cash-Flow Hedge) oder von </span></div><div class=\"ps22222 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoinvestitionen in wirtschaftlich selbst\u00e4ndige Teileinheiten (Net Investment Hedge) geschehen. Zu Beginn der </span></div><div class=\"ps22223 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehung wird der Zusammenhang zwischen Grund- und Sicherungsgesch\u00e4ft einschlie\u00dflich der zugrunde liegenden </span></div><div class=\"ps22224 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Ziele dokumentiert. Weiters wird sowohl bei Eingehen der Sicherungsbeziehung als auch in deren Verlauf </span></div><div class=\"ps22225 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig festgestellt, ob das in der Sicherungsbeziehung designierte Sicherungsinstrument hinsichtlich der Kompensation </span></div><div class=\"ps22226 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der \u00c4nderungen des beizulegenden Zeitwerts bzw. der Cash-Flows des Grundgesch\u00e4fts in hohem Ma\u00df effektiv ist.</span></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Mikro-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19979\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20866\">371<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20348\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">371<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Mikro-Cash-Flow-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Portfolio Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18448\">660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21980\">633<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">95<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20551\">535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21974\">538<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18505\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22227\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22228 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20731\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20714\">-234<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21604\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18452\">-234<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22233 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Mikro-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22229\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19279\">417<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22230\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16489\">417<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Mikro-Cash-Flow-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Portfolio Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22229\">632<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21458\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">183<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22143\">560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22231\">707<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22232\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21601\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps10799 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22234\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-359<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22235\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20839\">-359<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Hedge Accounting - Zusatzangaben<span id=\"id3825f2f8297444e8a81c8de9b0016df\"></span></span></div><div class=\"ps22237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig vom abzusichernden Risiko werden Absicherungsbeziehungen entweder als Fair Value Hedge oder als Cash-Flow </span></div><div class=\"ps22238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge dargestellt, Ziel ist dabei die Reduktion von Zinsrisiko und Volatilit\u00e4t in der Erfolgsrechnung. Beide Arten k\u00f6nnen auf </span></div><div class=\"ps22239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mikroebene sowie in Portfolios modelliert werden. Die Absicherung des Nettoinvestitionsrisikos wird insbesondere auf </span></div><div class=\"ps22240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kursschwankungen des rum\u00e4nischen Leus, der tschechischen Krone, des ungarischen Forints und des serbischen Dinars </span></div><div class=\"ps22241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewandt. </span></div><div class=\"ps22242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen von Fair Value Hedges und Cash-Flow Hedges werden unterschiedliche Finanzinstrumente als gesicherte </span></div><div class=\"ps22243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundgesch\u00e4fte in Sicherungsbeziehungen designiert. Den gr\u00f6\u00dften Anteil haben in diesem Zusammenhang Kredite und </span></div><div class=\"ps22244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen auf der Aktivseite sowie Einlagen auf der Passivseite. Schuldverschreibungen und verbriefte Verbindlichkeiten sind </span></div><div class=\"ps22245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Positionen, die in Hedge-Accounting-Beziehungen einflie\u00dfen. Als Sicherungsinstrumente dienen haupts\u00e4chlich Zinssatz- </span></div><div class=\"ps22246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Wechselkursvertr\u00e4ge.</span></div><div class=\"ps22250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiterf\u00fchrende Erl\u00e4uterungen zur Risikomanagementstrategie der RBI finden sich im Risikobericht </span><span class=\"f charStyle-9eccfdcb ps22247\">unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22248\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps22249\">. </span></div><div class=\"ps22252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auswirkungen von Sicherungsgesch\u00e4ften auf die Gesamtergebnisrechnung sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22251\">(5) Handelsergebnis, Ergebnis </span></div><div class=\"ps22254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen und Ergebnis aus Hedge Accounting</span><span class=\"f charStyle-9eccfdcb ps22253\">, jene auf die Eigenkapitalver\u00e4nderung sind in der Entwicklung </span></div><div class=\"ps22257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kumulierten sonstigen Ergebnis des Konzern-Eigenkapitals unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22255\">(29) Eigenkapital und nicht beherrschende Anteile</span><span class=\"f charStyle-9eccfdcb ps22256\"> </span></div><div class=\"ps22258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enthalten. </span></div><div class=\"ps22259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Absicherung einer Nettoinvestition in eine wirtschaftlich selbst\u00e4ndige Teileinheit (Net <span id=\"id6ed73c5b3ef4b6f8ae36ea215998283\"></span></span></div><div class=\"ps22260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Investment Hedge)</span></div><div class=\"ps22261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Kurssicherungsgesch\u00e4fte f\u00fcr Nettoinvestitionen in wirtschaftlich selbst\u00e4ndige Teileinheiten zur Reduktion der </span></div><div class=\"ps22262 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus der W\u00e4hrungsumrechnung resultierenden Differenzen im Eigenkapital get\u00e4tigt. Als Sicherungsinstrumente dienen in erster </span></div><div class=\"ps22263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Linie Devisentermingesch\u00e4fte (FX Forwards). Die aus ihnen entstehenden Gewinne bzw. Verluste aus der W\u00e4hrungsumrechnung </span></div><div class=\"ps22264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im sonstigen Ergebnis verrechnet und in der Eigenkapital\u00fcberleitung gesondert dargestellt, soweit die </span></div><div class=\"ps22265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehung effektiv ist. Ein etwaiger ineffektiver Teil der Sicherungsbeziehung wird im Handelsergebnis erfasst. </span></div><div class=\"ps22266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse, welche sich bei Devisentermingesch\u00e4ften aus dem unterschiedlichen Zinsdifferential der beiden </span></div><div class=\"ps22267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungen ergeben, werden im Handelsergebnis ausgewiesen.</span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Absicherungsinstrumente<span id=\"i619f66a870534d668984a1a7a37e7816\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgliederung nach Art des Hedge Accounting auf Ebene der Nominalwerte, sowohl gesamt als auch nach dem Zeitpunkt der </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Beendigung sowie auf Ebene der Buchwerte.</span></div><div class=\"ps22331 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17608\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps22270\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps7424 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-1dbd4d87 ps8523\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss811\"><div><div class=\"ps516 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps6739\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22273 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps22274\">1 Jahr bis 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22275 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps1935\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps1476\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps13556\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22276 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17773\">82.271<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4181\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22278 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8325\">7.576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1526\">45.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22279 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1548\">27.281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22280 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12813\">1.095<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22282 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22281\">923<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22284 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22283\">4.698<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18116\">254<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22286 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps19680\">1.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17953 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps134\">2.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22287 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22288 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11298\">122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22289 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19608\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22290 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17706\">77.573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps11532\">1.467<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22293 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22292\">6.403<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17959 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20501\">43.168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22294 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15149\">26.535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22295 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps10806\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22296 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19400\">853<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2066 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22297 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps19645\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22299 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22298\">450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22300 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8921\">720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17965 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19498\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22301 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21047\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22302\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22304 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12630\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22305 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9584\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22307 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21406\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8324\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22308 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22309 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps18584\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22310 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12387\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22311 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22313 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22314 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22315 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22316 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22317 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22318 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17457\">1.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22319 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17472\">450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10642\">675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21832 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22321 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22322 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22323 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12611\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22325 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22324\">83.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22326 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4181\">2.171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22327 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps1514\">8.296<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21836 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10658\">45.817<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9812 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps231\">27.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22328 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps10741\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22330 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22329\">942<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22340 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17608\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps22270\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7424 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-1dbd4d87 ps8523\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss811\"><div><div class=\"ps516 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps6739\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22273 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps22274\">1 Jahr bis 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22275 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps1935\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps1476\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps13556\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22276 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17596\">71.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7791\">1.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22278 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21652\">8.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps7133\">38.996<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22279 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10657\">22.692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22280 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12887\">1.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22282 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps9441\">1.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22284 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22332\">4.890<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22333\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22286 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10478\">892<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17953 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1667\">2.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22287 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17985\">879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22288 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13425\">94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22289 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13098\">177<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22290 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps7987\">66.718<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22334\">1.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22293 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps5089\">7.302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17959 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22335\">36.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22294 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1562\">21.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22295 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps260\">910<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22296 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12749\">1.124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2066 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22297 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18060\">2.135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22299 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18683\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22300 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps9394\">878<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17965 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17896\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22301 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10124\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22336\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22304 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps8037\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22305 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9359\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22307 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17388\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17253\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22308 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22337\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22309 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22310 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7363\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22311 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22313 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22314 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22315 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22316 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22317 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22318 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22338\">2.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22319 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17799\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17891\">830<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21832 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22321 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22322 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7363\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22323 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22325 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12629\">73.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22326 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22339\">2.901<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22327 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12627\">9.072<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21836 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6454\">39.043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9812 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps483\">22.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22328 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps227\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22330 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps10744\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fair Value Hedges<span id=\"i8d082e578c754826991b8d73c00ec00d\"></span></span></div><div class=\"ps22343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IAS 39 sieht die Anwendung des Hedge Accounting f\u00fcr Derivate vor, die der Absicherung des beizulegenden Zeitwerts </span></div><div class=\"ps22344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bilanzierter Verm\u00f6genswerte oder Verbindlichkeiten dienen. Einem solchen Marktwertrisiko unterliegt insbesondere das </span></div><div class=\"ps3588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditgesch\u00e4ft, sofern es sich um festverzinsliche Forderungen handelt. Zur Absicherung des Zins\u00e4nderungsrisikos bei einzelnen </span></div><div class=\"ps3589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten oder Refinanzierungen werden Interest Rate Swaps abgeschlossen, die die Voraussetzungen f\u00fcr Hedge Accounting </span></div><div class=\"ps3590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllen. Dies bedeutet, dass die Sicherungsgesch\u00e4fte dokumentiert, fortlaufend beurteilt und als hoch wirksam eingestuft </span></div><div class=\"ps3591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Somit kann \u00fcber die gesamte Laufzeit der Sicherungsbeziehungen davon ausgegangen werden, dass \u00c4nderungen des </span></div><div class=\"ps3592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwerts eines gesicherten Grundgesch\u00e4fts nahezu vollst\u00e4ndig durch eine \u00c4nderung des beizulegenden </span></div><div class=\"ps3593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitwerts des Sicherungsinstruments kompensiert werden und die tats\u00e4chlichen Ergebnisse in einer Bandbreite von 80 bis 125 </span></div><div class=\"ps3594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent liegen.</span></div><div class=\"ps22345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung des Marktwerts von einzelnen Bilanzposten (ausgenommen Handelsderivate) abgeschlossen </span></div><div class=\"ps22346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, werden mit dem Marktwert (Dirty Price) unter dem Posten Hedge Accounting (aktivseitig: positive Marktwerte, </span></div><div class=\"ps22347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">passivseitig: negative Marktwerte) bilanziert. Die Buchwert\u00e4nderungen des gesicherten Grundgesch\u00e4fts (Aktiva oder Passiva) </span></div><div class=\"ps22348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden direkt den betroffenen Bilanzposten zugerechnet und im Anhang gesondert ausgewiesen. </span></div><div class=\"ps22349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sowohl das Ergebnis aus der Ver\u00e4nderung der Buchwerte der abzusichernden Positionen als auch das Ergebnis aus der </span></div><div class=\"ps22350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderung der Clean Prices der Derivate werden im Ergebnis aus Hedge Accounting gebucht. </span></div><div class=\"ps22351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Steuerung von Zins\u00e4nderungsrisiken wird die Absicherung von Zinsrisiken auch auf Portfolioebene abgebildet. </span></div><div class=\"ps22352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abgesichert werden einzelne Gesch\u00e4fte oder Gruppen von Gesch\u00e4ften mit \u00e4hnlicher Risikostruktur, gegliedert nach </span></div><div class=\"ps22353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeitb\u00e4ndern entsprechend den erwarteten R\u00fcckzahlungs- und Zinsanpassungsterminen in einem Portfolio. Bei dieser </span></div><div class=\"ps22354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bilanziellen Abbildung von Sicherungszusammenh\u00e4ngen werden die Wert\u00e4nderungen der Grundgesch\u00e4fte im Ergebnis aus </span></div><div class=\"ps22355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge Accounting erfasst. Auf Basis der Regelungen des EU-Carve-Outs wird der abgesicherte Betrag der Grundgesch\u00e4fte im </span></div><div class=\"ps22356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschluss bei einer Konzerneinheit inklusive Sichteinlagen bestimmt.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Details zu den zugrunde liegenden Gesch\u00e4ften bei Fair-Value-Hedge-Beziehungen:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1250\"><div><div class=\"ps5427 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss131\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps16098\">Buchwert der zugrunde liegenden <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22360 ss131\"><div><div class=\"ps5430 ss127\"><span class=\"f charStyle-1dbd4d87 ps22358\">Kumulierte Betr\u00e4ge aus Fair-Value-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss127\"><span class=\"f charStyle-1dbd4d87 ps22359\">Anpassungen der zugrunde liegenden </span></div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss1251\"><div><div class=\"ps5430 ss795\"><span class=\"f charStyle-3e64e966 ps3274\">Fair-Value-\u00c4nderungen </span></div><div class=\"ps5426 ss795\"><span class=\"f charStyle-3e64e966 ps10732\">der zugrunde liegenden </span></div><div class=\"ps5427 ss795\"><span class=\"f charStyle-3e64e966 ps10095\">Gesch\u00e4fte<span class=\"f ps24\"> </span></span><span class=\"f charStyle-cdbbedb5 ps22361\"><span class=\"f ps24\"> </span><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5382 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps22362 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps22363 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22364 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22365 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22366 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10683\">37.956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22367 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15182\">39.547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22368 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17388\">-757<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22370 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22369\">-619<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22372 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22371\">-374<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22374 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22373\">19.453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22375 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22376 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20267\">-381<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22377 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22379 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22378\">-151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22380 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17437\">18.504<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22381 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22382 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17352\">-375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22383 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22385 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22384\">-156<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22386 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17760\">21.882<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22387 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22388 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12634\">-432<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22390 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22389\">-52<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22391 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22393 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22392\">17.665<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22394 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22395 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18414\">-187<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22397 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22396\">-15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22398 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22399 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22400 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22402 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22403 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19445 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22405 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22407 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22406\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22408 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19451 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22409 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22410 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22411 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22412 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22413 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22414 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22415 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22416 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10683\">37.956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19465 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15182\">39.547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22417 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17388\">-757<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22369\">-619<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22418 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22371\">-374<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Fair-Value-\u00c4nderungen der zugrunde liegenden Gesch\u00e4fte, die in der Berichtsperiode f\u00fcr die Berechnung der Ineffektivit\u00e4t verwendet wurden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22425 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1250\"><div><div class=\"ps5427 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss131\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps16098\">Buchwert der zugrunde liegenden <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22360 ss131\"><div><div class=\"ps5430 ss127\"><span class=\"f charStyle-1dbd4d87 ps22358\">Kumulierte Betr\u00e4ge aus Fair-Value-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss127\"><span class=\"f charStyle-1dbd4d87 ps22359\">Anpassungen der zugrunde liegenden </span></div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss1251\"><div><div class=\"ps5430 ss795\"><span class=\"f charStyle-3e64e966 ps3274\">Fair-Value-\u00c4nderungen </span></div><div class=\"ps5426 ss795\"><span class=\"f charStyle-3e64e966 ps10732\">der zugrunde liegenden </span></div><div class=\"ps5427 ss795\"><span class=\"f charStyle-3e64e966 ps10095\">Gesch\u00e4fte<span class=\"f ps24\"> </span></span><span class=\"f charStyle-cdbbedb5 ps22361\"><span class=\"f ps24\"> </span><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5382 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22362 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22363 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22364 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22365 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22366 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4161\">31.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22367 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17793\">33.168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22368 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22370 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-670<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22372 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps21904\">-170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22374 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17901\">16.735<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22375 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22376 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18434\">-205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22377 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22379 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22420\">167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22380 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22373\">14.593<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22381 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22382 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17352\">-247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22383 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22385 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22421\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22386 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17797\">17.447<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22387 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22388 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20035\">-459<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22390 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22422\">-138<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22391 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22393 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4167\">15.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22394 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22395 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22195\">-211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22397 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps21495\">-304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22398 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22399 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22400 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22402 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22403 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19445 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20253\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22405 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22407 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22423\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22408 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19451 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22409 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22410 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22411 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22412 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22413 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22414 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22415 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22424\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22416 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4161\">31.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19465 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17577\">33.217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22417 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-670<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22418 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps21904\">-170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Fair-Value-\u00c4nderungen der zugrunde liegenden Gesch\u00e4fte, die in der Berichtsperiode f\u00fcr die Berechnung der Ineffektivit\u00e4t verwendet wurden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Cash-Flow Hedges<span class=\"f ps24\"> </span><span id=\"i9b28a9224a434847a2107997da2b4ec9\"></span></span></div><div class=\"ps22427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IAS 39 sieht die Anwendung des Cash-Flow-Hedge-Accounting f\u00fcr Derivate vor, die der Absicherung gegen das Risiko einer </span></div><div class=\"ps22428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderung k\u00fcnftiger Zahlungsstr\u00f6me dienen. Einem solchen Cash-Flow-Risiko unterliegen insbesondere variabel verzinsliche </span></div><div class=\"ps22429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Verbindlichkeiten sowie erwartete Transaktionen (z. B. erwartete Geldaufnahmen oder -veranlagungen). Interest </span></div><div class=\"ps22430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rate Swaps, die zur Absicherung des Risikos aus schwankenden Cash-Flows bestimmter variabler Zinspositionen abgeschlossen <span class=\"f ps24\"> </span></span></div><div class=\"ps22431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, werden wie folgt bilanziert: Das Sicherungsinstrument wird mit dem Marktwert angesetzt, die \u00c4nderungen des Clean </span></div><div class=\"ps22432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prices werden im sonstigen Ergebnis gebucht. Der ineffektive Teil wird hingegen ergebniswirksam als Ergebnis aus Hedge </span></div><div class=\"ps22433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Accounting ausgewiesen.</span></div><div class=\"ps22434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Details zu Wert\u00e4nderungen bei Absicherungsinstrumenten in Cash-Flow-Hedge-Beziehungen unter Ber\u00fccksichtigung des </span></div><div class=\"ps22435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlichen Ausweises des effektiven Teils im sonstigen Ergebnis und des ineffektiven Teils in der Erfolgsrechnung:</span></div><div class=\"ps22455 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:145.5pt\"></td><td style=\"padding:0;width:145.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps22436\">Wert\u00e4nderungen bei Absicherungsinstrumenten <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps20134\">bilanziert im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps12639\">Erfolgswirksamer, ineffektiver Teil aus <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps22437\">Absicherungsinstrumenten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13383 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22438\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16884 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22441 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22440\">177<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22443 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22444 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22440\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22445 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22447 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22448 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22449 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22450 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22451 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22452 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22453 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22438\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22454 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:145.5pt\"></td><td style=\"padding:0;width:145.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps22436\">Wert\u00e4nderungen bei Absicherungsinstrumenten <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps20134\">bilanziert im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps12639\">Erfolgswirksamer, ineffektiver Teil aus <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps22437\">Absicherungsinstrumenten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13383 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22458\">-103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16884 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22441 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22459\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22443 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22460\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22444 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22461\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22445 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22460\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22447 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22448 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22449 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22460\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22450 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22451 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22462\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22452 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22453 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22458\">-103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22454 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22464 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten<span id=\"ib7b9be34db8c45a897e0057405fdf52b\"></span></span></div><div class=\"ps22465 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gem\u00e4\u00df IFRS 13 verwendet die RBI die nachfolgende Fair-Value-Hierarchie zur Feststellung und Offenlegung des Fair Values f\u00fcr </span></span></div><div class=\"ps22466 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente. Die Zuordnung bestimmter Finanzinstrumente zu den Level-Kategorien erfordert eine regelm\u00e4\u00dfige </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beurteilung, insbesondere wenn die Bewertung sowohl auf beobachtbaren als auch auf nicht auf dem Markt beobachtbaren </span></span></div><div class=\"ps22468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Parametern beruht. Auch unter Ber\u00fccksichtigung von \u00c4nderungen der Marktliquidit\u00e4t und damit der Preistransparenz kann sich </span></span></div><div class=\"ps22469 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">die Klassifizierung eines Instruments im Zeitablauf \u00e4ndern. </span></span></div><div class=\"ps22470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Notierte Preise in einem aktiven Markt (Level I)</span><span id=\"i5c4658f52a7c483d88b4ffc74f6e8127\"></span></span></div><div class=\"ps22471 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente, f\u00fcr die die Fair-Value-Bewertung anhand von quotierten Marktpreisen erfolgt, werden dem Level I der Fair-</span></span></div><div class=\"ps22472 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Value-Hierarchie zugeordnet. Dies gilt insbesondere f\u00fcr an B\u00f6rsen gehandelte Eigenkapitalinstrumente, im Interbankenmarkt </span></span></div><div class=\"ps22473 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gehandelte Fremdkapitalinstrumente und b\u00f6rsengehandelte Derivate. Die Bewertung beruht im Wesentlichen auf externen </span></span></div><div class=\"ps22474 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Datenquellen (B\u00f6rsenpreise bzw. Broker-Quotierungen in liquiden Marktsegmenten). Bei einem aktiven Markt handelt es sich um </span></span></div><div class=\"ps22475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einen Markt, in dem Transaktionen von Verm\u00f6genswerten und Schulden mit ausreichender H\u00e4ufigkeit und ausreichendem </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22476 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Volumen stattfinden, sodass Preisinformationen laufend zur Verf\u00fcgung stehen. Indikatoren f\u00fcr aktive M\u00e4rkte k\u00f6nnen die </span></span></div><div class=\"ps22477 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anzahl, die H\u00e4ufigkeit der Aktualisierung oder die Qualit\u00e4t der Quotierungen (z. B. Banken oder B\u00f6rsen) sein. Weiters sind auch </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22478 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">enge Bid-/Ask-Spannen sowie Quotierungen der Marktteilnehmer:innen innerhalb eines bestimmten Korridors Anzeichen f\u00fcr </span></span></div><div class=\"ps22479 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einen aktiven liquiden Markt. Finanzinstrumente, f\u00fcr die die Fair-Value-Bewertung anhand von quotierten Marktpreisen erfolgt, </span></span></div><div class=\"ps22480 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sind haupts\u00e4chlich b\u00f6rsennotierte Wertpapiere und ein geringer Anteil an Derivaten sowie liquide Anleihen, die auf OTC-</span></span></div><div class=\"ps22481 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">M\u00e4rkten (Over The Counter) gehandelt werden. </span></span></div><div class=\"ps22482 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels beobachtbarer Parameter (Level II)</span><span id=\"ifa22b739be9b4106a838fac44a8af16f\"></span></span></div><div class=\"ps22483 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den F\u00e4llen, in denen keine B\u00f6rsennotierungen auf einem aktiven Markt vorliegen, wird das Finanzinstrument dann als Level II </span></span></div><div class=\"ps22484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">klassifiziert, wenn der Fair Value durch anerkannte Bewertungsmodelle mithilfe von beobachtbaren Preisen oder Parametern </span></span></div><div class=\"ps22485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(insbesondere von Barwertmethoden oder Optionspreismodellen) ermittelt werden kann. Diese beobachtbaren Marktdaten </span></span></div><div class=\"ps22486 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sind im Wesentlichen Zinskurven, Credit Spreads und Volatilit\u00e4ten. RBI verwendet grunds\u00e4tzlich Bewertungsmodelle, die einer </span></span></div><div class=\"ps22487 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">internen Pr\u00fcfung durch das Marktrisiko-Komitee unterliegen, um angemessene Bewertungsparameter sicherzustellen. Das </span></span></div><div class=\"ps22488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels beobachtbarer Parameter betrifft die Mehrheit der OTC-Derivate und der nicht b\u00f6rsennotierten </span></span></div><div class=\"ps15562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Fremdkapitalinstrumente. </span></span></div><div class=\"ps22489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels nicht beobachtbarer Parameter (Level III)</span><span id=\"i40f0d2ff758a46d3a4fd2841f7dbd558\"></span></span></div><div class=\"ps22490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kann die Fair-Value-Bewertung weder anhand von ausreichend regelm\u00e4\u00dfig gestellten Marktpreisen (Level I) noch anhand von </span></span></div><div class=\"ps22491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsmodellen, die vollst\u00e4ndig auf beobachtbaren Marktpreisen beruhen (Level II), erfolgen, werden einzelne nicht auf </span></span></div><div class=\"ps22492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dem Markt beobachtbare Input-Parameter anhand von angemessenen Annahmen gesch\u00e4tzt. Haben nicht auf dem Markt </span></span></div><div class=\"ps22493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">beobachtbare Parameter einen signifikanten Einfluss auf die Bewertung des zugrunde liegenden Finanzinstruments, wird es </span></span></div><div class=\"ps22494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dem Level III der Fair-Value-Hierarchie zugeordnet. Diese nicht regelm\u00e4\u00dfig beobachtbaren Bewertungsparameter sind unter </span></span></div><div class=\"ps22495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anderem Credit Spreads, die aus internen Sch\u00e4tzungen abgeleitet werden. </span></span></div><div class=\"ps22496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Diese Eingangsparameter k\u00f6nnen Daten enthalten, die in Form von N\u00e4herungswerten unter anderem aus historischen Daten </span></span></div><div class=\"ps22497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ermittelt werden (Bewertungshierarchie Level III). Die Anwendung dieser Modelle erfordert Annahmen und Einsch\u00e4tzungen des </span></span></div><div class=\"ps22498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Managements, deren Umfang von der Preistransparenz in Bezug auf das Finanzinstrument und dessen Markt sowie von der </span></span></div><div class=\"ps22499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplexit\u00e4t des Instruments abh\u00e4ngt. </span></span></div><div class=\"ps22500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Finanzinstrumente, die zu fortgef\u00fchrten Anschaffungskosten bewertet werden (dies umfasst Forderungen aus dem </span></span></div><div class=\"ps22501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditgesch\u00e4ft, Einlagen, sonstige kurzfristige Geldaufnahmen und langfristige Verbindlichkeiten), gibt der Konzern den </span></span></div><div class=\"ps22502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">beizulegenden Zeitwert an. Grunds\u00e4tzlich besteht bei diesen Instrumenten eine geringe oder keine Handelsaktivit\u00e4t, weshalb </span></span></div><div class=\"ps22503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">bei der Bestimmung des beizulegenden Zeitwerts signifikante Einsch\u00e4tzungen durch das Management erforderlich sind.</span></span></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Fair Value von Finanzinstrumenten, die zum Fair Value bilanziert werden</span><span id=\"if7c353b146774ff2a0c6006256569bc9\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Das Kreditportfolio wird in die zentrale Berechnung des beizulegenden Zeitwerts einbezogen. Die Berechnung des Fair Values </span></span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfolgt monatlich und basiert auf der Discounted-Cash-Flow-Methode. Die erwarteten Zahlungsstr\u00f6me werden mit einem </span></span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angemessenen Abzinsungssatz (d. h. risikofreier Zinssatz plus Zuschlag) abgezinst. Die Methodik zur Berechnung des </span></span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Abzinsungssatzes unterscheidet sich je nach Segment (d. h. Retail und Non-Retail). </span></span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dar\u00fcber hinaus wird auch der beizulegende Zeitwert der eingebetteten Optionen f\u00fcr das Kreditportfolio berechnet, und die </span></span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angewandte Methodik basiert auf dem Kundensegment (d. h. Retail und Non-Retail). Die Bewertung der eingebetteten </span></span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Optionen im Retail-Bereich basiert auf der Verhaltensmodellierung (z. B. lineare Regression/gleitender Zw\u00f6lf-Monats-</span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Durchschnitt der Vorauszahlungsraten). Die Bewertung eingebetteter Optionen in Krediten im Non-Retail-Bereich basiert auf </span></span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Annahme eines vollst\u00e4ndigen rationalen Verhaltens der Kund:innen. Die in Non-Retail-Krediten enthaltenen eingebetteten </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Optionen wie Vorauszahlung, Auszahlung oder Auff\u00fcllung werden mit Swaptions repliziert und mit dem Trinomial Tree Hull-</span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">White-Strukturmodell bewertet. F\u00fcr die Bewertung der Zinsoptionen (Caps und Floors) wird grunds\u00e4tzlich das Modell von Black </span></span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angewendet, dem lognormal verteilte Renditen zugrunde liegen. Da wir uns in einem volatilen Zinsumfeld befinden, wird das </span></span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">shifted lognormale Black-Modell f\u00fcr die Bewertung der Zinsoptionen angewendet, dem ein Displaced-Diffusion-Modell </span></span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zugrunde liegt (lognormale Verteilung mit einer Zinsverschiebung). </span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Anleihen werden in erster Linie handelbare Marktpreise herangezogen. Sind keine Quotierungen vorhanden, werden die </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wertpapiere mittels Discounted-Cash-Flow-Modell bewertet. Hier flie\u00dfen als Bewertungsparameter die Zinskurve sowie ein </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ad\u00e4quater Credit Spread ein. Die Ermittlung des Credit Spreads erfolgt \u00fcber auf dem Markt vorhandene, vergleichbare </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente. F\u00fcr einen geringen Teil des Portfolios wurden Credit Default Spreads f\u00fcr die Bewertung verwendet. Weiters </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden auch externe Bewertungen von Dritten ber\u00fccksichtigt, die in allen F\u00e4llen indikativen Charakter aufweisen. Die Level-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Einteilung der Posten wird am Ende der Berichtsperiode durchgef\u00fchrt.</span></span></div><div class=\"ps22508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der RBI kommen f\u00fcr die Bewertung von OTC-Derivaten markt\u00fcbliche, bekannte Bewertungsmethoden zur Anwendung. </span></span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beispielsweise werden Interest Rate Swaps, Cross Currency Swaps oder Forward Rate Agreements \u00fcber das f\u00fcr diese Produkte </span></span></div><div class=\"ps22510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">markt\u00fcbliche Discounted-Cash-Flow-Modell bewertet. OTC-Optionen, z. B. Foreign Exchange Options oder Caps und Floors, </span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">liegen Bewertungsmodelle zugrunde, die dem Marktstandard entsprechen. F\u00fcr die angef\u00fchrten Produktbeispiele w\u00e4ren dies </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das Garman-Kohlhagen-Modell sowie Black-Scholes 1972 und Black 1976. F\u00fcr komplexe Optionen erfolgt die Bewertung mithilfe </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">von Monte-Carlo-Simulationen. </span></span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zur Ermittlung des Fair Values ist weiters eine Anpassung der Kreditbewertungen f\u00fcr das Kontrahentenausfallrisiko (Credit </span></span></div><div class=\"ps22515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Value Adjustment, CVA) und das eigene Kreditrisiko (Debit Value Adjustment, DVA) notwendig, um das mit OTC-</span></span></div><div class=\"ps22516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Derivattransaktionen verbundene Kreditrisiko der Gegenparteien (Kontrahentenausfallrisiko) insbesondere f\u00fcr jene </span></span></div><div class=\"ps22517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Vertragspartner zu ber\u00fccksichtigen, mit denen nicht bereits eine Absicherung \u00fcber Credit Support Annex erfolgt ist. Der </span></span></div><div class=\"ps22518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ermittelte Betrag stellt jeweils den gesch\u00e4tzten Marktwert der Sicherungsma\u00dfnahmen dar, die zur Absicherung gegen das </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisiko der Gegenparteien aus den OTC-Derivatportfolios des Konzerns erforderlich sind. </span></span></div><div class=\"ps22520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die CVA-Bewertungsanpassung besteht einerseits aus der Ermittlung des in der Zukunft zu erwartenden positiven </span></span></div><div class=\"ps22521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikobetrags (Expected Positive Exposure) und andererseits aus der Ausfallwahrscheinlichkeit des Kontrahenten. Um den zu </span></span></div><div class=\"ps22522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwartenden positiven Risikobetrag zu ermitteln, wird unter Ber\u00fccksichtigung aller verf\u00fcgbaren Risikofaktoren (z. B. W\u00e4hrungs- </span></span></div><div class=\"ps22523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und Zinskurven) eine gro\u00dfe Anzahl von Szenarien f\u00fcr zuk\u00fcnftige Zeitpunkte simuliert. Die OTC-Derivate werden unter </span></span></div><div class=\"ps22524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ber\u00fccksichtigung dieser Szenarien an den jeweiligen zuk\u00fcnftigen Zeitpunkten zu Marktwerten bewertet und auf </span></span></div><div class=\"ps22525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kontrahentenebene aggregiert, um abschlie\u00dfend f\u00fcr alle Zeitpunkte den positiven Risikobetrag zu bestimmen. Kontrahenten </span></span></div><div class=\"ps22526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit CSA-Vertr\u00e4gen (Credit Support Annex, CSA) werden in der Berechnung ber\u00fccksichtigt. Bei diesen errechnen sich die </span></span></div><div class=\"ps22527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Risikobetr\u00e4ge nicht direkt aus den simulierten Marktwerten, sondern aus einer zuk\u00fcnftig erwarteten \u00c4nderung der </span></span></div><div class=\"ps22528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Marktwerte \u00fcber einer Margin Period of Risk von zehn Tagen. Zur Ermittlung der Ausfallwahrscheinlichkeit leitet der Konzern, </span></span></div><div class=\"ps22529 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sofern direkte CDS-Quotierungen (Credit Default Swap, CDS) zur Verf\u00fcgung stehen, f\u00fcr den jeweiligen Kontrahenten die </span></span></div><div class=\"ps22530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">marktbasierte Ausfallwahrscheinlichkeit und implizit die Verlustquote (Loss Given Default, LGD) ab. Die </span></span></div><div class=\"ps22531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeit von nicht aktiv auf dem Markt gehandelten Kontrahenten wird durch Zuordnung des internen Ratings </span></span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">eines Kontrahenten an eine sektor- und ratingspezifische CDS-Kurve bestimmt. </span></span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die DVA-Bewertungsanpassung wird durch den erwarteten negativen Risikobetrag (Expected Negative Exposure) und durch die </span></span></div><div class=\"ps5128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditqualit\u00e4t der RBI bestimmt und stellt die Wertanpassung in Bezug auf die eigene Ausfallwahrscheinlichkeit dar. Die </span></span></div><div class=\"ps5129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Berechnung erfolgt von der Methodik her analog zum CVA. F\u00fcr die Bewertung von OTC-Derivaten wurde kein Funding Value </span></span></div><div class=\"ps22532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment (FVA) ber\u00fccksichtigt. Die RBI beobachtet die Entwicklungen auf dem Markt und wird gegebenenfalls eine Methode </span></span></div><div class=\"ps22533 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">f\u00fcr die Ermittlung des FVA entwickeln.</span></span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die in der Bilanz zum Fair Value ausgewiesenen Finanzinstrumente werden in den folgenden Tabellen nach Bilanzposten </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gegliedert dargestellt. </span></span></div><div class=\"ps4827 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps17662 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22535\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22536\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps7134\">3.685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6452\">3.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19576\">2.289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11505 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps10656\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22538\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9379\">3.376<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16646 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17678 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10605\">3.402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12572\">502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12621\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16651 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps415\">449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22539\">3.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17771\">147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16658 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22540\">1.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17690 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22541\">239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22334\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22543 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22542\">357<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22544 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19931 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps431\">979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16664 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps7448\">327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22546 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22545\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22547 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17774\">733<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12765 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17698 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17699 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17700 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17701 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15110\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17703 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6030\">356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17686\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22541\">326<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15648\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22548\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17774\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12795 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12637\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17717 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17259\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17718 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17719 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12629\">286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17720 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17721 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22549 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16900\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13533 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22537\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17226 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22550 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1623\">286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17229 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18584\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22551 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22552 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps6047\">3.350<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13539 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12472\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17236 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22553\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22554 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps7125\">2.645<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11530 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps6729\">693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11531 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17761\">272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22555 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18491\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13545 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22557 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17737\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22558 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22559 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12601\">181<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22560 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7175\">3.317<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13551 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21865\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22561 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22292\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22562 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10879\">2.615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22563 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22542\">693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22564 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7986\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22565 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13557 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps355\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22566 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22567 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22568 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps9443\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22569 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22576 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps17662 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22535\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22536\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps10658\">1.309<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1593\">9.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12608\">991<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11505 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22570\">8.313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps20501\">2.782<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16646 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17678 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">3.031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8547\">1.305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17686\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16651 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16894\">988<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps340\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16658 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17690 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8538\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps102 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22543 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22544 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19931 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16664 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22546 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22547 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22571 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22572 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps10112\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19938 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22573 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22574 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps216\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22575 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12548\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps5662\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8523\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps13131\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12795 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17717 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps16896\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17718 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17719 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17720 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1681\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17721 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewegungen von zum Fair Value bewerteten Finanzinstrumenten zwischen Level I und </span><span id=\"i100591f64b8143c0bfd4ef928cfb5ec8\"></span></span></div><div class=\"ps22578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Level II</span></span></div><div class=\"ps22579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Finanzinstrumente mit einem Volumen von \u20ac 52 Millionen standen zum 31. Dezember 2025 Marktwerte zur Verf\u00fcgung. Zum </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beispiel gab es anstelle des BVAL-Werts (Bloomberg Evaluation) den BGN-Wert (Bloomberg Generic Price). Folglich wurden diese </span></span></div><div class=\"ps22581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wertpapiere von Level II auf Level I umgegliedert. Bei den Verschiebungen von Level I zu Level II handelt es sich haupts\u00e4chlich </span></span></div><div class=\"ps22582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">um Anleihen in H\u00f6he von \u20ac 22 Millionen, f\u00fcr die zum Zeitpunkt des Transfers nur abgeleitete Preise zur Verf\u00fcgung standen. </span></span></div><div class=\"ps22583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewegungen von zum Fair Value bewerteten Finanzinstrumenten in Level III</span><span id=\"i606479dcda544ff98bae6d3f898ecdd2\"></span></span></div><div class=\"ps22584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Der Gesamtbestand an Level-III-Verm\u00f6genswerten stieg in der Berichtsperiode um netto \u20ac 262 Millionen. Bei den Finanz-</span><span class=\"f ps24\"> </span></span></div><div class=\"ps22585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">instrumenten, die verpflichtend zum Fair Value bilanziert werden m\u00fcssen, kam es zu einer Erh\u00f6hung um netto \u20ac 246 Millionen, </span></span></div><div class=\"ps22586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">im Wesentlichen durch Zug\u00e4nge in \u00d6sterreich, insbesondere aufgrund von substantiellen Vertragsmodifikationen und durch </span></span></div><div class=\"ps22587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditwachstum in Ungarn. In der Bewertungskategorie finanzielle Verm\u00f6genswerte \u2013 Held for Trading erh\u00f6hte sich das </span></span></div><div class=\"ps22588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Volumen um netto \u20ac 7 Millionen, vorwiegend aufgrund von Zug\u00e4ngen in Albanien und Kroatien, wobei die Zug\u00e4nge in Albanien </span></span></div><div class=\"ps22589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durch noch h\u00f6here Abg\u00e4nge wieder aufgehoben wurden. Die Bewertungskategorie finanzielle Verm\u00f6genswerte - Fair Value </span></span></div><div class=\"ps22590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Through Other Comprehensive Income erh\u00f6hte sich um \u20ac 8 Millionen, insbesondere durch Zug\u00e4nge und positive </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsergebnisse in \u00d6sterreich. In der Gesamtnettover\u00e4nderung von \u20ac 255 Millionen waren netto rund \u20ac 14 Millionen </span></span></div><div class=\"ps22592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wechselkursschwankungen enthalten. </span></span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:174pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:78.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1257\"><div><div class=\"ps264 ss1256\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22593 ss1258\"><div><div class=\"ps12528 ss606\"><span class=\"f charStyle-1dbd4d87 ps12901\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss606\"><span class=\"f charStyle-1dbd4d87 ps13083\">1.1.2025</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22594 ss1259\"><div><div class=\"ps12528 ss1162\"><span class=\"f charStyle-1dbd4d87 ps18695\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1162\"><span class=\"f charStyle-1dbd4d87 ps18492\">Konsolidierungskreis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1260\"><div><div class=\"ps12528 ss111\"><span class=\"f charStyle-3e64e966 ps2702\">W\u00e4hrungs-</span></div><div class=\"ps12526 ss111\"><span class=\"f charStyle-3e64e966 ps2090\">differenzen</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22595 ss1260\"><div><div class=\"ps12526 ss111\"><span class=\"f charStyle-1dbd4d87 ps13481\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5727 ss1260\"><div><div class=\"ps12526 ss111\"><span class=\"f charStyle-1dbd4d87 ps5195\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1257\"><div><div class=\"ps31 ss1256\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1257\"><div><div class=\"ps31 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22596 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7127\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22598 ss1167\"><div><div class=\"ps31 ss1162\"><span class=\"f charStyle-375ad3a6 ps22597\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16884 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps4156\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22599 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10129\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22600 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps17664\">-48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1261\"><div><div class=\"ps1485 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22601 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-375ad3a6 ps10496\">733<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22602 ss1168\"><div><div class=\"ps516 ss1162\"><span class=\"f charStyle-375ad3a6 ps22597\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22443 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps22603\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21822 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps3165\">301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22604 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps1468\">-47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1261\"><div><div class=\"ps1485 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-375ad3a6 ps22605\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22607 ss1168\"><div><div class=\"ps516 ss1162\"><span class=\"f charStyle-375ad3a6 ps22597\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17507 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21826 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22608 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1261\"><div><div class=\"ps1485 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Comprehensive Income</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22609 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-375ad3a6 ps11962\">272<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22611 ss1168\"><div><div class=\"ps516 ss1162\"><span class=\"f charStyle-375ad3a6 ps22610\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17513 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps17895\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22612 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10664\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22613 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps19680\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1934 ss1257\"><div><div class=\"ps31 ss1256\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22614 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-1dbd4d87 ps21218\">1.019<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22616 ss1167\"><div><div class=\"ps31 ss1162\"><span class=\"f charStyle-1dbd4d87 ps22615\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22618 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps22617\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22619 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps17771\">364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22620 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps17303\">-98<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22651 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:173.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1262\"><div><div class=\"ps264 ss485\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22621 ss1263\"><div><div class=\"ps12526 ss137\"><span class=\"f charStyle-1dbd4d87 ps12530\">Erfolg in GuV<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22622 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-3e64e966 ps17777\">Erfolg im sonstigen </span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-3e64e966 ps20359\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5431 ss1265\"><div><div class=\"ps12528 ss1191\"><span class=\"f charStyle-1dbd4d87 ps3069\">Transfer in <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12863\">Level III</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10675 ss1266\"><div><div class=\"ps12528 ss259\"><span class=\"f charStyle-1dbd4d87 ps3003\">Transfer aus <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss259\"><span class=\"f charStyle-1dbd4d87 ps13257\">Level III</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss1266\"><div><div class=\"ps12528 ss259\"><span class=\"f charStyle-1dbd4d87 ps5350\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss259\"><span class=\"f charStyle-1dbd4d87 ps6730\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1262\"><div><div class=\"ps31 ss485\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1262\"><div><div class=\"ps31 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22623 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps254\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22625 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22626 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22627 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22628 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps4179\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1268\"><div><div class=\"ps1485 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22629 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-375ad3a6 ps12488\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22630 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22631 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22632 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22633 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">979<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1268\"><div><div class=\"ps1485 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22634 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22635 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22636 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22637 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1268\"><div><div class=\"ps1485 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Comprehensive Income</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22638 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22640 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22639\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22641 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22642 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22643 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps405\">281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1934 ss1262\"><div><div class=\"ps31 ss485\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22644 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps14902\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22646 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-1dbd4d87 ps22645\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22647 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22648 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps12816\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22650 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps22649\">1.281<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualitative Informationen zur Bewertung von Level-III-Finanzinstrumenten<span id=\"i130b3887198d4edfa2b35eabb04e7b9f\"></span></span></div><div class=\"ps22699 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:149.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:95.25pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:13.5pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1270\"><div><div class=\"ps264 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22654 ss1271\"><div><div class=\"ps5426 ss99\"><span class=\"f charStyle-1dbd4d87 ps11539\">Marktwert in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss99\"><span class=\"f charStyle-1dbd4d87 ps11305\">Millionen\u00b9</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22655 ss1273\"><div><div class=\"ps5427 ss1272\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewertungsmethode<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13624 ss1251\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-1dbd4d87 ps30\">beobachtbare Input-<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss795\"><span class=\"f charStyle-1dbd4d87 ps30\">Faktoren</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss1251\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-1dbd4d87 ps10285\">Umfang der nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-1dbd4d87 ps571\">beobachtbaren Input-</span></div><div class=\"ps3019 ss795\"><span class=\"f charStyle-1dbd4d87 ps17190\">Faktoren</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22656 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22657 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1275\"><div><div class=\"ps5430 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalanlagen,<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanine-Kapital,<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Erg\u00e4nzungskapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22658 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps12621\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22659 ss1273\"><div><div class=\"ps5426 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Indicative Prices (Richtpreise), <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Alternative Anlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22660 ss1251\"><div><div class=\"ps5427 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22372 ss1251\"><div><div class=\"ps5427 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss1276\"><div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Staatsanleihen, festverzinsliche Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22661 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22662 ss1277\"><div><div class=\"ps516 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">DCF-Verfahren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22663 ss796\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Credit Spread; (Auktions-) <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Zinskurve</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22664 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps15112\">2,5 - 14,77 %<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22665 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps431\">979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1276\"><div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22666 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1277\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Vereinfachte<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalwertmethode <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22667 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22668 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und andere nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">festverzinsliche Wertpapiere</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22669 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22670 ss1277\"><div><div class=\"ps1485 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Nettoverm\u00f6genswert<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Marktpreisindikation<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22671 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">(Auktions-) Preis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22411 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss1278\"><div><div class=\"ps22672 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22673 ss1279\"><div><div class=\"ps22672 ss99\"><span class=\"f charStyle-375ad3a6 ps22548\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22674 ss1280\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Retail: DCF-Verfahren (Black-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Scholes, Vorf\u00e4lligkeitsoptionen,<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Widerrufsm\u00f6glichkeit usw.)<span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Non-Retail: DCF-Verfahren/<span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Optionsbewertung<span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">(Black-Scholes (shifted) Model;<span class=\"f ps24\"> </span></span></div><div class=\"ps5395 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Hull-White Trinominal Tree)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22675 ss1281\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Spread (Neugesch\u00e4ft)<span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Funding-Kurven <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">(Liquidit\u00e4tskosten)</span></div><div class=\"ps5396 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisikopr\u00e4mie (CDS-<span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Kurven)</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22678 ss1281\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-375ad3a6 ps11491\">1,22 - 3,84 % \u00fcber alle <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-375ad3a6 ps8899\">W\u00e4hrungen</span></div><div class=\"ps3750 ss795\"><span class=\"f charStyle-375ad3a6 ps22676\">-0,15 - 3,34 % \u00fcber alle <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss795\"><span class=\"f charStyle-375ad3a6 ps8899\">W\u00e4hrungen</span></div><div class=\"ps5395 ss795\"><span class=\"f charStyle-375ad3a6 ps22677\">0,17 - 5,46 % <span class=\"f ps24\"> </span></span></div><div class=\"ps5396 ss795\"><span class=\"f charStyle-375ad3a6 ps10929\">(abh\u00e4ngig vom rating:\u00a0 von <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss795\"><span class=\"f charStyle-375ad3a6 ps5659\">A bis CCC)</span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7923 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22679 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22553\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:39pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14002 ss1282\"><div><div class=\"ps5917 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22680 ss1283\"><div><div class=\"ps5917 ss99\"><span class=\"f charStyle-375ad3a6 ps464\">64<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22681 ss1284\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Dividend Discount Model <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Vereinfachte<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Ertragswertmethode <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">DCF-Verfahren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22682 ss1285\"><div><div class=\"ps515 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Credit Spread<span class=\"f ps24\"> </span></span></div><div class=\"ps5912 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow<span class=\"f ps24\"> </span></span></div><div class=\"ps5913 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz<span class=\"f ps24\"> </span></span></div><div class=\"ps5915 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Dividenden<span class=\"f ps24\"> </span></span></div><div class=\"ps5917 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Beta-Faktor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22683 ss1285\"><div><div class=\"ps5917 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4618 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15648\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22685 ss1286\"><div><div class=\"ps31 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Adjusted Net Asset Value Methode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22686 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Angepasstes Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22687 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:54pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6156 ss1287\"><div><div class=\"ps22688 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22689 ss1288\"><div><div class=\"ps22688 ss99\"><span class=\"f charStyle-375ad3a6 ps17672\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22690 ss1289\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Multiplikatormethode<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Transaktionspreis<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Anschaffungskosten<span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Kostenann\u00e4herung<span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertungsgutachten<span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Kostenansatz abz\u00fcglich<span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22691 ss1290\"><div><div class=\"ps22688 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22693 ss1290\"><div><div class=\"ps22688 ss795\"><span class=\"f charStyle-375ad3a6 ps22692\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14507 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Staatsanleihen, <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kommunalschuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22694 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps22292\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22695 ss1277\"><div><div class=\"ps516 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">DCF-Verfahren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22696 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Zinskurve<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22697 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6855 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22698 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6987\">1.281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4t des Fair Values f\u00fcr finanzielle Verm\u00f6genswerte (Level III) und <span id=\"i09bc0a5d5a7a41bda5e2ffce721e17aa\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verbindlichkeiten, die zum Fair Value bewertet werden</span></div><div class=\"ps15585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die Berechnungen der nicht beobachtbaren Input-Parameter basieren haupts\u00e4chlich auf \u00c4nderungen der Credit Spreads f\u00fcr </span></span></div><div class=\"ps15587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anleihen und Kredite sowie auf den Marktwerten vergleichbarer Aktien. F\u00fcr Anleihen und Kredite f\u00fchrt ein Anstieg (R\u00fcckgang) </span><span class=\"f ps24\"> </span></span></div><div class=\"ps15588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Credit Spreads um 100 Basispunkte zu einem entsprechenden R\u00fcckgang (Anstieg) im Fair Value. Bei nicht b\u00f6rsennotierten </span><span class=\"f ps24\"> </span></span></div><div class=\"ps15590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Eigenkapitalinstrumenten f\u00fchrt eine Erh\u00f6hung (R\u00fcckgang) des Preises um 10 Prozent zu einer entsprechenden Erh\u00f6hung </span><span class=\"f ps24\"> </span></span></div><div class=\"ps15591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(R\u00fcckgang) des Fair Values.</span></span></div><div class=\"ps22702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verm\u00f6genswerte<span id=\"id871790c52374e3f85e6a807fa98c114\"></span></span></div><div class=\"ps22708 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22703\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps39 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22704\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps47 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps48 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps49 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps53 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps55 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps57 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps59 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps61 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps63 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17739\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps68 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22705\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps70 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps72 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18510\">689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps74 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15179\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps76 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17995\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps81 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps85 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22706\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps87 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps89 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Effekt in der Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps92 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps94 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17557\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps96 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17792\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps98 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps99 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19196\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps101 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps22707\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22714 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22703\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps39 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22704\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps47 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps48 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps49 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps53 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps55 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps57 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps59 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps61 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps63 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17253\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps68 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18379\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps70 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22298\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps72 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17780\">91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps74 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18494\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps76 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18777\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps81 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17780\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22710\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps85 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22711\">181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps87 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22712\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps89 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21885\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Effekt im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps92 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps94 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17548\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps96 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps22713\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps98 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps99 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17234\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps101 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19686\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-416": {
   "value": "<div class=\"ps19164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">W\u00e4hrungsumrechnung<span id=\"i03115bf0838e412c9c2842227d08b91a\"></span></span></div><div class=\"ps19165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzernabschluss wurde in Euro, der funktionalen W\u00e4hrung der RBI AG, aufgestellt. Die funktionale W\u00e4hrung ist die </span></div><div class=\"ps16946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrung des prim\u00e4ren Wirtschaftsumfelds, in dem die Gesellschaft t\u00e4tig ist. Jedes Unternehmen innerhalb des Konzerns legt </span></div><div class=\"ps16950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung aller in IAS 21 angef\u00fchrten Faktoren seine eigene funktionale W\u00e4hrung fest. Die in einer anderen <span class=\"f ps24\"> </span></span></div><div class=\"ps19166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">funktionalen W\u00e4hrung als dem Euro aufgestellten Abschl\u00fcsse der Unternehmen des Vollkonsolidierungskreises wurden nach der <span class=\"f ps24\"> </span></span></div><div class=\"ps19167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">modifizierten Stichtagskursmethode gem\u00e4\u00df IAS 21 in die Berichtsw\u00e4hrung Euro umgerechnet. Dabei wurde das Eigenkapital mit </span></div><div class=\"ps19168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seinem historischen Kurs, alle anderen Aktiva und Passiva sowie Anhangangaben wurden mit dem Stichtagskurs angesetzt. Aus </span></div><div class=\"ps19169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der W\u00e4hrungsumrechnung der Eigenkapitalbestandteile (historische Kurse) resultierende Differenzen werden mit den </span></div><div class=\"ps19170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinnr\u00fccklagen verrechnet. </span></div><div class=\"ps19171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Posten der Erfolgsrechnung wurden mit dem Durchschnittskurs des Jahres auf Basis der Monatsultimokurse berechnet. </span></div><div class=\"ps19172 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig von der Entwicklung des W\u00e4hrungskurses und der Art der Gesch\u00e4ftstransaktion kann es in Einzelf\u00e4llen dazu kommen, </span></div><div class=\"ps19173 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass statt des Durchschnittskurses der tats\u00e4chliche Transaktionskurs herangezogen wird. Dies kann insbesondere bei </span></div><div class=\"ps19174 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Einmaleffekten der Fall sein, im Berichtsjahr traf dies insbesondere auf die von einem russischen Rechtsfall </span></div><div class=\"ps19175 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Rasperia Trading Limited) betroffenen Posten in der Erfolgsrechnung zu. W\u00e4hrungsdifferenzen zwischen dem Stichtagskurs in </span></div><div class=\"ps19176 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Bilanz und dem Durchschnittskurs in der Erfolgsrechnung wurden mit dem Eigenkapital (kumuliertes sonstiges Ergebnis) </span></div><div class=\"ps19177 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verrechnet. </span></div><div class=\"ps19178 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Abgang eines ausl\u00e4ndischen Gesch\u00e4ftsbetriebs, der zum Verlust der Beherrschung, der gemeinschaftlichen F\u00fchrung oder </span></div><div class=\"ps19179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des ma\u00dfgeblichen Einflusses f\u00fchrt, wird der entsprechende, bis zu diesem Zeitpunkt kumuliert in der W\u00e4hrungsumrechnungs-</span></div><div class=\"ps19180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">r\u00fccklage erfasste Betrag als Teil des Ergebnisses aus Entkonsolidierungen in die Erfolgsrechnung umgegliedert.</span></div><div class=\"ps19254 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-1dbd4d87 ps19181\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps19183 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-1dbd4d87 ps11237\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps19184 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps397\">Stichtag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps17667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps13441\">Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19185 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps397\">Stichtag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19186 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps13441\">Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Kurse in W\u00e4hrung pro \u20ac<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps19188 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19187\">31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17671 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19189\">1.1.-31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19190 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19187\">31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19191 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19189\">1.1.-31.12.<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Albanischer Lek (ALL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19193 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19192\">96,770<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17677 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19194\">98,009<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19195 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps468\">98,150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19197 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19196\">100,760<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1181\"><div><div class=\"ps5730 ss742\"><span class=\"f charStyle-6d404c82 ps30\">Belarus-Rubel (BYN)</span><span class=\"f charStyle-ef1a5293 ps19198\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps868\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps868\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps19200\">3,787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1182\"><div><div class=\"ps5730 ss863\"><span class=\"f charStyle-375ad3a6 ps19202\">3,517<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19204 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Bosnische Marka (BAM)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19206 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19207 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19208 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19209 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19205\">1,956<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5996 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Polnischer Zloty (PLN)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19211 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19210\">4,221<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19213 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19212\">4,240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19214 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17592\">4,275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19215 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19212\">4,305<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19216 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nischer Leu (RON)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19218 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19217\">5,097<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19219 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps5659\">5,040<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19221 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19220\">4,974<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19223 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19222\">4,975<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5473 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Russischer Rubel (RUB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19224 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10716\">93,540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19225 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps4121\">94,928<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19226 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17469\">113,833<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19227 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps7901\">101,322<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5534 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Serbischer Dinar (RSD)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19228 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10094\">117,282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19229 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9390\">117,197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19230 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9391\">117,015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19232 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19231\">117,084<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6043 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechische Krone (CZK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19233 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18735\">24,237<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19234 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18498\">24,695<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19235 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18383\">25,185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19237 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19236\">25,123<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4554 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ukrainische Hrywnja (UAH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19238 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9390\">49,857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19239 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps16295\">46,962<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19241 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19240\">43,927<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19242 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17185\">43,471<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15489 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarischer Forint (HUF)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19244 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19243\">385,150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19245 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17577\">397,728<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19246 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17232\">411,350<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19247 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17798\">395,971<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4601 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">US-Dollar (USD)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19248 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps1172\">1,175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19250 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19249\">1,124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19251 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17167\">1,039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19253 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19252\">1,083<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5482 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Aufgrund des Verkaufs der belarussischen Einheiten wurde f\u00fcr das Jahresende 2024 der Kurs per 30. November 2024 verwendet.<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der geopolitischen Lage ist die RBI erh\u00f6hten Risiken im Zusammenhang mit Fremdw\u00e4hrungsumrechnungen </span></div><div class=\"ps19256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesetzt. Die EZB stellte die Ver\u00f6ffentlichung eines offiziellen EUR/RUB-Wechselkurses im M\u00e4rz 2022 ein und neben dem </span></div><div class=\"ps19257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">theoretischen, offiziellen Umrechnungskurs (von der russischen Zentralbank ermittelter Kurs: On-Shore-Kurs) bildete sich ein </span></div><div class=\"ps19258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">tats\u00e4chlich und faktisch erreichbarer Umrechnungskurs (z. B. von Refinitiv oder Electronic Broking Service, EBS, ermittelter Kurs: </span></div><div class=\"ps19259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Off-Shore-Kurs). </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist diesen Risiken insbesondere bei der Umrechnung monet\u00e4rer Fremdw\u00e4hrungsposten und bei der Umrechnung </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollkonsolidierter ausl\u00e4ndischer Gesch\u00e4ftsbetriebe ausgesetzt. Gem\u00e4\u00df IAS 21 muss bei der Umrechnung monet\u00e4rer Posten in </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die funktionale W\u00e4hrung der jeweilige Stichtagskurs verwendet werden. Der Stichtagskurs ist als jener Kurs definiert, der bei </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sofortiger Ausf\u00fchrung zum Tragen kommen w\u00fcrde. Hier ist insbesondere zu ber\u00fccksichtigen, ob zum Abschlussstichtag ein <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">amtlich notierter Kurs erh\u00e4ltlich und zur sofortigen Abrechnung verf\u00fcgbar ist. Sind mehrere Wechselkurse verf\u00fcgbar, so ist </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IAS 21.26 jener Wechselkurs zu verwenden, zu dem die k\u00fcnftigen Zahlungsstr\u00f6me aus der Transaktion zum </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzstichtag abgerechnet h\u00e4tten werden k\u00f6nnen. Zusammenfassend ist die RBI zu dem Schluss gekommen, dass dieser Kurs </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum 31. Dezember 2025 im Wesentlichen dem Off-Shore-Kurs entsprochen h\u00e4tte, welcher entsprechend in der </span></div><div class=\"ps3802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungsumrechnung von Fremdw\u00e4hrungspositionen in Rubel verwendet wurde, wenn die funktionale W\u00e4hrung des </span></div><div class=\"ps3803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetriebs nicht dem Rubel entsprach. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber Tochterunternehmen, die in einer anderen funktionalen W\u00e4hrung bilanzieren als der Berichtsw\u00e4hrung des </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns. Die Umrechnung vollkonsolidierter ausl\u00e4ndischer Gesch\u00e4ftsbetriebe in die Berichtsw\u00e4hrung der RBI hat gem\u00e4\u00df </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IAS\u00a021.39 zu erfolgen:</span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Mit dem Stichtagskurs zum Erstellungszeitpunkt (Verm\u00f6genswerte und Schulden)</span></div><div class=\"ps19261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Mit dem im Zeitpunkt der jeweiligen Transaktionen g\u00fcltigen Wechselkurse bzw. vereinfachungshalber gegebenenfalls </span></div><div class=\"ps19262 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">mit einem Durchschnittskurs (Ertr\u00e4ge und Aufwendungen).</span></div><div class=\"ps19263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hierzu ist wie bei der Umrechnung von Fremdw\u00e4hrungstransaktionen die Bestimmung geeigneter Wechselkurse notwendig. </span></div><div class=\"ps4200 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcblicherweise wird hierf\u00fcr jener W\u00e4hrungskurs verwendet, der bei der Umrechnung von Dividenden aus dem ausl\u00e4ndischen </span></div><div class=\"ps4201 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetrieb oder f\u00fcr eventuelle Kapitalr\u00fcckf\u00fchrungen angewandt werden w\u00fcrde. Aufgrund der eingef\u00fchrten staatlichen </span></div><div class=\"ps4202 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen in Russland geht die RBI zum Bilanzstichtag davon aus, dass Zahlungsmittelr\u00fcckfl\u00fcsse aus dem ausl\u00e4ndischen </span></div><div class=\"ps19264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetrieb in Russland derzeit nicht zum offiziellen Wechselkurs der russischen Zentralbank umgerechnet werden </span></div><div class=\"ps19265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnten, vielmehr k\u00e4me hier der tats\u00e4chlich und faktisch erreichbare Kurs zum Tragen. In Transaktionen mit internationalen </span></div><div class=\"ps19266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Banken wird hierf\u00fcr \u00fcblicherweise der Off-Shore-Kurs verwendet, entsprechend wurde der ausl\u00e4ndische Gesch\u00e4ftsbetrieb in </span></div><div class=\"ps19267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland zum Bilanzstichtag zu diesem Kurs umgerechnet. Zum Bilanzstichtag bestand nur eine unwesentliche Differenz </span></div><div class=\"ps19268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen dem EUR/RUB-Wechselkurs von Refinitiv und jenem der russischen Zentralbank.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-417": {
   "value": "<div class=\"ps19165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzernabschluss wurde in Euro, der funktionalen W\u00e4hrung der RBI AG, aufgestellt. Die funktionale W\u00e4hrung ist die </span></div><div class=\"ps16946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrung des prim\u00e4ren Wirtschaftsumfelds, in dem die Gesellschaft t\u00e4tig ist. Jedes Unternehmen innerhalb des Konzerns legt </span></div><div class=\"ps16950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung aller in IAS 21 angef\u00fchrten Faktoren seine eigene funktionale W\u00e4hrung fest. Die in einer anderen <span class=\"f ps24\"> </span></span></div><div class=\"ps19166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">funktionalen W\u00e4hrung als dem Euro aufgestellten Abschl\u00fcsse der Unternehmen des Vollkonsolidierungskreises wurden nach der <span class=\"f ps24\"> </span></span></div><div class=\"ps19167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">modifizierten Stichtagskursmethode gem\u00e4\u00df IAS 21 in die Berichtsw\u00e4hrung Euro umgerechnet. Dabei wurde das Eigenkapital mit </span></div><div class=\"ps19168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seinem historischen Kurs, alle anderen Aktiva und Passiva sowie Anhangangaben wurden mit dem Stichtagskurs angesetzt. Aus </span></div><div class=\"ps19169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der W\u00e4hrungsumrechnung der Eigenkapitalbestandteile (historische Kurse) resultierende Differenzen werden mit den </span></div>Gewinnr\u00fccklagen verrechnet.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-419": {
   "value": "<div class=\"ps19269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Konsolidierungskreis<span id=\"ia9c88a10fff441c28fa7658d5b52d39d\"></span></span></div><div class=\"ps19288 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1184\"><div><div class=\"ps264 ss1183\"><span class=\"f charStyle-1dbd4d87 ps19270\">Vollkonsolidierung<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand Beginn der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">192<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode erstmals einbezogen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode verschmolzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode ausgeschieden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19277\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand Ende der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19279\">170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sitz in \u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19280\">100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18454\">107<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sitz im Ausland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19281\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19282\">75<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Banken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19286\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Anbieter von Nebenleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Finanzholdings<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps808\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erstkonsolidierungen<span id=\"icd2cbbf5968f4b9382f58c5a03ce3704\"></span></span></div><div class=\"ps19297 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:268.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:84.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9572 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps12468\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19292 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps19291\">Inkludiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19293 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-1dbd4d87 ps30\">Grund<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen investicni spolecnost a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19294 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #929292;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19295 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19296 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entkonsolidierungen<span id=\"i63e787e7314845d9aff1fdac3bdb5b18\"></span></span></div><div class=\"ps19337 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:268.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:84.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9572 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps12468\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19292 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps19298\">Exkludiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19293 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-1dbd4d87 ps30\">Grund<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Aedificium Banca pentru Locuinte S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19294 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19295 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10693\">1.6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19296 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">in Liquidation<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">CUPIDO Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19299 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19300 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps12176\">1.5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19301 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">RL Grundst\u00fcckverwaltung Klagenfurt-S\u00fcd GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19302 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19303 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps12176\">1.5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19304 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">AGIOS Raiffeisen-Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19305 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9587\"></span><span class=\"ps9587\">51,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19306 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10693\">1.6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19307 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">RIL XIV Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19308 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19310 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19311 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing-Projektfinanzierung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19312 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19313 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19314 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">SOLAR II Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19315 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0%<span style=\"display:inline-block;height:4.56pt;width:1.45pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19316 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19317 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19318 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19320 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19321 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH &amp; Co Projekt Lauterbach KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19322 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12739\"></span><span class=\"ps12739\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19323 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19324 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">LYRA Raiffeisen Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19325 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19326 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19327 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Anbieter von Nebenleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Borna Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19328 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19329 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19330 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Erfurt Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19331 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19332 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19333 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Schleswig Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19334 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19335 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19336 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewinne/Verluste aus modifizierten Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Barwert\u00e4nderungen unwesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20736\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20214\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus der Ausbuchung aufgrund wesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen auf Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20737\">-50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen von nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20738\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen sowie Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20565\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr Umsatzsteuer - Zwischenbankbefreiung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde f\u00fcr kreditbezogene, portfolio-basierte Rechtsstreitigkeiten und Annullierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18452\">-302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20742\">-657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde aus Rechtsstreitigkeiten in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">-1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr einen Rechtsstreit in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20743\">-339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20744\">-840<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20745\">-1.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20746\">-1.590<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Wertminderungen/-aufholungen auf Anteile an Tochterunternehmen und assoziierten Unternehmen belief sich auf </span></div><div class=\"ps20760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">21</span><span class=\"f charStyle-9eccfdcb ps20757\"> Millionen (Vorjahr: minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20758\">50</span><span class=\"f charStyle-9eccfdcb ps20759\"> Millionen). Davon entfielen \u20ac 28 Millionen (Vorjahr: minus \u20ac 45 Millionen) auf at-equity <span class=\"f ps24\"> </span></span></div><div class=\"ps20761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertete Unternehmen, sowie minus \u20ac 7 Millionen (Vorjahr: minus \u20ac 4 Millionen) auf Wertminderungen auf Anteile an </span></div><div class=\"ps20762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen. In der Berichtsperiode resultierten die gr\u00f6\u00dften Einzeleffekte aus der Bewertung der Prva stavebna </span></div><div class=\"ps20763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sporitelna a.s., Oesterreichische Kontrollbank Aktiengesellschaft und der Leipnik-Lundenburger Invest Beteiligungs AG. </span></div><div class=\"ps20764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen sowie Entkonsolidierungen belief sich im </span></div><div class=\"ps20767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsjahr auf minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20765\">6</span><span class=\"f charStyle-9eccfdcb ps20766\"> Millionen. Insgesamt wurden in der Berichtsperiode 13 Konzerneinheiten entkonsolidiert. </span></div><div class=\"ps22718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(24) Anteile an Tochterunternehmen und assoziierten Unternehmen<span id=\"id1d39b21780d44f79e934320e64c77f4\"></span></span></div><div class=\"ps22722 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20674\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22719\">206<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an at-equity bewerteten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22720\">665<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9362\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20786\">871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Anzahl der nicht einbezogenen Tochterunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22721\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20737\">262<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2303 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteile an at-equity bewerteten Unternehmen:</span></div><div class=\"ps22736 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:258pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10632 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps11049\">Anteil in %<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16652\">Buchwert 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21395\">Buchwert 2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">card complete Service Bank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22723 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13308\"></span><span class=\"ps13308\">25,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22724\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">EMCOM Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22725 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17912\"></span><span class=\"ps17912\">33,6 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22727 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22726\"></span><span class=\"ps22726\">33,1 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19286\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Notartreuhandbank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22728 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12635\"></span><span class=\"ps12635\">26,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22729 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19532\"></span><span class=\"ps19532\">8,1 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20556\">64<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Hotel- und Tourismusbank Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22730 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22726\"></span><span class=\"ps22726\">31,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Posojilnica Bank eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22731 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps111\"></span><span class=\"ps111\">49,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Prva stavebna sporitelna a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22732 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps438\"></span><span class=\"ps438\">32,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Informatik GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22733 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps128\"></span><span class=\"ps128\">47,6 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20388\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22734 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps453\"></span><span class=\"ps453\">50,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22735 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17196\"></span><span class=\"ps17196\">10,9 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20898\">309<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20345\">721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">665<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der at-equity bewerteten Unternehmen erh\u00f6hte sich von \u20ac 665 Millionen auf \u20ac 721 Millionen. Die Wertsteigerung <span class=\"f ps24\"> </span></span></div><div class=\"ps22738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist \u00fcberwiegend auf die UNIQA Insurance Group AG zur\u00fcckzuf\u00fchren.</span></div><div class=\"ps22739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der aktuellen Berichtsperiode wurde der Verkauf der card complete Service Bank AG abgeschlossen. Der Buchwertr\u00fcckgang </span></div><div class=\"ps22740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei der Leipnik-Lundenburger Invest Beteiligungs AG ist auf negative wirtschaftliche Entwicklungen der at-equity bewerteten </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen in der Leipnik-Lundenburger Invest Beteiligungs AG zur\u00fcckzuf\u00fchren. Die Buchwerterh\u00f6hungen der UNIQA </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insurance Group AG, Posojilnica Bank eGen und Prva stavebna sporitelna a.s. waren im Wesentlichen auf den Ergebnisbeitrag </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Berichtsjahr 2025 zur\u00fcckzuf\u00fchren.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der UNIQA Insurance Group AG besteht der ma\u00dfgebliche Einfluss aufgrund eines Syndikatsvertrags mit den anderen </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernaktion\u00e4ren, welcher insbesondere die Entsendungsrechte in den Aufsichtsrat regelt. Bei der Oesterreichischen Kontrollbank </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktiengesellschaft besteht der ma\u00dfgebliche Einfluss aufgrund zweier fixer Mandate im Aufsichtsrat.Finanzinformationen zu </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den at-equity bewerteten Unternehmen per 30. September 2025:</span></div><div class=\"ps22885 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:224.25pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1295\"><div><div class=\"ps5730 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22741 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-1dbd4d87 ps17600\">EMCOM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22743 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps8527\">LLI</span><span class=\"f charStyle-cdbbedb5 ps22742\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps9375\">NTB</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps22744\">OeKB</span><span class=\"f charStyle-cdbbedb5 ps22742\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22746 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps6397\">OEHT</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2997 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22747 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22748 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9382\">1.210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22750 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22749\">2.153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1097\">35.693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22752 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22749\">1.235<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2998 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22753 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22754 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19548\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22755 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22756 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16894\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22757 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17617\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3001 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22758 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22759 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6365\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22760 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22761 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19735\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22762 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22763 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus aufgegebenen Gesch\u00e4ftsbereichen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22764 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22765 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22766 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22767 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22768 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19204 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22769 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22770 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15656\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22772 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22773 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5996 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22774 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22775 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps449\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22776 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22336\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22777 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10805\">66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22779 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22778\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19216 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22780 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22781 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22782 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22783 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22784 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5473 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22785 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22786 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps78\">-68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22787 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19599\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22789 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5534 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22790 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22791 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8518\">378<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22792 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12463\">454<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22793 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1089\">6.553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22794 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6043 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22795 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22796 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10119\">832<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22797 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps20128\">1.699<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22798 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13257\">29.140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22799 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9955\">1.215<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4554 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22800 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22802 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22801\">-391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22803 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11547\">-1.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22805 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22804\">-9.392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22806 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15489 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22807 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22808 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1591\">-313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22809 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10116\">-232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22810 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8409\">-25.355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22811 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9070\">-1.179<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4601 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22812 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13098\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22813 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1612\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22814 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10787\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22815 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps477\">946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22817 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22816\">57<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5482 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22818 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22819 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps14998\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22820 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22821 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22822 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15520 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22823 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22824 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps187\">499<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22825 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22826 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9810\">928<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22827 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19548\">57<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5908 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22829 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22828\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22830 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps216\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22831 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19683\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22832 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps436\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22833 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19683\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11888 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteils\u00e4nderung/Erstmalige Einbeziehung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22834 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22835 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22836 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22837 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22838 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6108 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Der Gruppe zurechenbares Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22839 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22840 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10801\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22841 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22842 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22843 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16760 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22844 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22845 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22846 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22847 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22848 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13656 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22849 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22850 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22851 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22852 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22853 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22854 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Erhaltene Dividenden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22855 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22856 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16894\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22857 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22858 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22859 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6140 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteil an der Kapitalerh\u00f6hung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22860 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22861 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22862 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22863 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22864 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22865 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 30.9.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22866 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22828\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22868 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22867\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22869 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps409\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22870 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22816\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22871 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps409\">18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14007 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22872 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22873 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10801\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22874 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22875 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16894\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22876 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14009 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22877 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22828\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22878 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9389\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22879 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps409\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22880 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19633\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22881 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6175 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Konzernabschluss: Ergebnis und Eigenkapital verstehen sich exkl. nicht beherrschender Anteile.<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"6\" style=\"padding:0\"><div class=\"ps6188 ss1298\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">EMCOM: EMCOM Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">LLI: Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss7\"><span class=\"f charStyle-2babd150 ps30\">NTB: Notartreuhandbank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss7\"><span class=\"f charStyle-2babd150 ps30\">OeKB: Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss7\"><span class=\"f charStyle-2babd150 ps30\">OEHT: \u00d6sterreichische Hotel- und Tourismusbank Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:224.25pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22741 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11360\">POSO<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22743 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9379\">PSS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps277\">RIZ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-ca7bbde0 ps22887\">R-Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22746 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-66d2abc1 ps13518\">UNIQA</span><span class=\"f charStyle-f730e5cc ps22742\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22888 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22889 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8628\">2.921<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps364\">341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22890 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19599\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22891 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18109\">28.763<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22892 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22893 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12474\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22894 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22895 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12818\">484<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22897 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22896\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22898 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22899 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22900 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8538\">333<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus aufgegebenen Gesch\u00e4ftsbereichen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22901 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22902 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22903 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22904 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22905 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22906 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22907 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22909 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22908\">163<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22910 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6030\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22911 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22912 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps21353\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22913 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps477\">496<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22914 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22915 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22916 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22917 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22918 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17617\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22919 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22920 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22922 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22921\">498<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22923 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13156\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22924 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22908\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6065\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22925 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16898\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22926 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13440\">1.403<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22927 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8556\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22928 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9587\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22929\">157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22930 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22931 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10108\">27.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22933 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22932\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22934 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12730\">-654<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21235\">-155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22935 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9799\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22936 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11559\">-1.194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22937 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13217\">-48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22938 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21251\">-1.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps78\">-98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22939 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22940 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6367\">-24.238<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22941 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19633\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22942 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1658\">332<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps379\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22943 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6030\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22944 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11942\">3.331<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22945 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22946 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22947 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22948 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10790\">114<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22949 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17770\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22950 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12605\">332<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22324\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22951 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22896\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22952 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps5911\">3.217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22954 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22953\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22955 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9389\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps874 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13098\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22956 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19683\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22957 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10658\">309<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteils\u00e4nderung/Erstmalige Einbeziehung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22958 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22959 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22960 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22961 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Der Gruppe zurechenbares Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22962 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22963 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22964 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22965 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7173\">62<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22966 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22967 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20569 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22968 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22970 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22969\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22971 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22972 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20876 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22973 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22974 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12583\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps276 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Erhaltene Dividenden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22975 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22976 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20878 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22977 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22978 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps288 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteil an der Kapitalerh\u00f6hung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22979 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22980 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20880 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22981 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 30.9.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22983 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps136\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22984 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps216\">108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13098\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22985 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22986 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">352<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22987 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17204\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22988 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11549\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20885 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6724\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22989 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19628\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22990 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps319 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22991 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12476\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22992 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps62\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20887 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22541\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22993 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22336\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22994 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">352<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps325 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Konzernabschluss: Ergebnis und Eigenkapital verstehen sich exkl. nicht beherrschender Anteile.<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"6\" style=\"padding:0\"><div class=\"ps13001 ss1298\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">POSO: Posojilnica Bank eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">PSS: Prva stavebna sporitelna a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss7\"><span class=\"f charStyle-2babd150 ps30\">RIZ: Raiffeisen Informatik GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss7\"><span class=\"f charStyle-2babd150 ps30\">R-Leasing: Raiffeisen-Leasing Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss7\"><span class=\"f charStyle-2babd150 ps30\">UNIQA: UNIQA Insurance Group AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest f\u00fcr at-equity bewertete Unternehmen<span id=\"id015c211482443d29a0861a6a905e596\"></span></span></div><div class=\"ps22995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer Beteiligung h\u00f6her ist als ihr </span></div><div class=\"ps22996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die jedenfalls als Anzeichen f\u00fcr eine </span></div><div class=\"ps22997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein k\u00f6nnte, </span></div><div class=\"ps22998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. F\u00fcr den Werthaltigkeitstest wurden f\u00fcr die wesentlichen Einheiten </span></div><div class=\"ps15428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Annahmen getroffen.</span></div><div class=\"ps23008 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:171.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12527 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps22999\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7423 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps23000\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittelgenerierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23002 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23001\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23004 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23003\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6392\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12435 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps1492\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23006\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6319\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Diskontierungszinss\u00e4tze (nach Steuern)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12532 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22598 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20494\"></span><span class=\"ps20494\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19576\"></span><span class=\"ps19576\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12440 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12441 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20524\"></span><span class=\"ps20524\">8,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12442 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20537\"></span><span class=\"ps20537\">9,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Planungshorizont<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12540 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1907\"> 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22602 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12444 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12446 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12447 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1301\"><div><div class=\"ps16905 ss7\"><span class=\"f charStyle-2babd150 ps30\">LLI: Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT) - Durchschnittlicher Diskontierungszinssatz WACC<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss7\"><span class=\"f charStyle-2babd150 ps30\">OeKB: Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss7\"><span class=\"f charStyle-2babd150 ps30\">UNIQA: UNIQA Insurance Group AG, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Ergebnis wurde basierend auf den aktuellen Werthaltigkeitstests f\u00fcr den \u00fcberwiegenden Teil des Beteiligungsportfolios eine </span></div><div class=\"ps23010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertaufholung verzeichnet. Hierbei wirkte sich der fortschreitende Austausch niedrig verzinster Aktiva g\u00fcnstig auf die </span></div><div class=\"ps23011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragslage der Bankenbeteiligungen aus. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenfassung der wesentlichen Planungsannahmen und Beschreibung des Managementansatz zur Ermittlung der Werte:</span></div><div class=\"ps7104 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss509\"><div><div class=\"ps1485 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">generierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4802 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Kuze Beschreibung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4803 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche Annahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1824 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Managementansatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Leipnik-Lundenburger Invest <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungs AG (LLI)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4804 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">In den beiden Kernbereichen </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Vermahlung von Getreide und Verkauf </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(hei\u00dfe und kalte) Getr\u00e4nke und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Lebensmittel aus Automaten sind die </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">LLI-Unternehmen Marktf\u00fchrer in </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich sowie in einigen EU-L\u00e4ndern </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(Osteuropa und Deutschland).</span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Zus\u00e4tzlich zu den beiden Kernbereichen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erweisen sich die at-equity gehaltenen <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Beteiligungen als wesentliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertkomponenten.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4805 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planungsannahmen, welche vom </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Aufsichtsrat genehmigt wurden, </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">reflektieren die erwarteten </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rohstoffpreis- und <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostenentwicklungen, die sich auch in <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Absatzpreisen widerspiegeln.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4806 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planung beinhaltet Ma\u00dfnahmen zur </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Begegnung der aktuellen und </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erwarteten Marktentwicklungen. Diese </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">beinhalten neben Kosteneinsparungen </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und einer geeigneten Preisstrategie </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">weitere Spezialisierungen, die </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Optimierung mittels Digitalisierung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Entwicklung neuer Produkte.</span></div></div></div></td></tr><tr style=\"height:147pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiengesellschaft (OeKB)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23016 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die OeKB erf\u00fcllt zwei wesentliche </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Funktionen f\u00fcr die \u00f6sterreichische </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Exportindustrie und f\u00fcr den </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalmarkt. Als Export Credit Agency </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der Republik \u00d6sterreich stellt sie <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">staatlich garantierte Haftungen bereit </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und refinanziert exportbezogene </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Investitionen und Auslandsgesch\u00e4fte </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcber das Exportfinanzierungsverfahren. <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Dar\u00fcber hinaus unterst\u00fctzt die OeKB </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Kapitalmarkt durch spezialisierte </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertpapierdienstleitungen, die </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Abwicklung von Bundesanleihen-</span></div><div class=\"ps5465 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Auktionen sowie \u00fcber ihre <span class=\"f ps24\"> </span></span></div><div class=\"ps5466 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Tochtergesellschaften im Bereich </span></div><div class=\"ps15203 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Verwahrung und Clearing. Die </span></div><div class=\"ps23012 ss508\"><span class=\"f charStyle-6d404c82 ps30\">wesentlichen Beteiligungen sind die </span></div><div class=\"ps23013 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreichische Hotel- und Tourismus-</span></div><div class=\"ps23014 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bank (\u00d6HT) sowie die Oesterreichische </span></div><div class=\"ps23015 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entwicklungsbank (OeEB).</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23017 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Die Planungsannahmen ber\u00fccksichtigen <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">die Entwicklung des Volumens im </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Exportfinanzierungsverfahren und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">wurden im Bewertungsansatz </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">\u00fcbernommen. Sie zeigen \u00fcber die </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Folgejahre eine stabile Entwicklung des <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvolumens.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23018 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz reflektiert die </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aktuellen externen Rahmenbeding-</span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ungen. Das Zinsniveau sowie </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Nachholeffekte bei zuvor </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aufgeschobenen Investitionen aufgrund <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">des inflation\u00e4ren Umfelds der <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">vergangenen Jahre wurden in den </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Planungsannahmen ber\u00fccksichtigt. Die </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bestehenden Mandate der Republik </span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich bilden eine stabile Basis f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Gesch\u00e4ftst\u00e4tigkeit der OeKB, welche </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">durch die weiteren Services erg\u00e4nzt </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">werden.</span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6551 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG (UNIQA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23019 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die UNIQA Insurance Gruppe AG ist einer </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der f\u00fchrenden Versicherungskonzerne in <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ihren Kernm\u00e4rkten \u00d6sterreich und CEE. </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Sie ist in 14 L\u00e4ndern vor Ort und </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">serviciert mehr als 17 Millionen Kunden. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Marken UNIQA und Raiffeisen </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherung sind zwei starke </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherungsmarken in \u00d6sterreich und </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sind in den CEE-M\u00e4rkten gut <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">positioniert.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23020 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">UNIQA plant eine Weiterverfolgung der </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">gesetzten langfristigen </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rentabili\u00e4tsziele, trotz des steigenden </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostendrucks, durch die Setzung </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechender gegensteuernder </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Ma\u00dfnahmen. Zusammenfassend wird </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">trotz des volatilen Umfelds die </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der langfristigen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechend eine stabile langfristige </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Renditeentwicklung angenommen. </span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23021 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz wurde im </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wesentlichen als Bewertungsansatz </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcbernommen. Grundlage bildet die </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der gesetzten </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entsprechend wird die Sicherstellung <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">einer soliden Eigenkapitalverzinsung </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sowie der starken Solvenzsituation </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">zugrunde gelegt. Dies bildet die Basis <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">eines nachhaltigen Dividendenwachs-</span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">tums und stabiler Dividendenrendite. </span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ic2225d95a1cc40a29ec0cca3679f9794\"></span></span></div><div class=\"ps23024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um zu untersuchen, wie sich eine Ver\u00e4nderung der zur Bestimmung der Kapitalkosten wesentlichen Parameter auf den Wert </span></div><div class=\"ps23025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Eigenkapitals auswirkt, wurden diese Parameter im Zuge der durchgef\u00fchrten Sensitivit\u00e4tsanalyse variiert. So k\u00f6nnen </span></div><div class=\"ps23026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4nderungen in der Bewertung dieser Gesellschaften zu einer Anpassung des Buchwerts f\u00fchren. Im Falle eines Abw\u00e4rtsszenarios </span></div><div class=\"ps23027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg der Kapitalkosten um 50 Basispunkte) w\u00fcrde sich der Value in Use von Leipnik-Lundenburger Invest Beteiligungs AG, </span></div><div class=\"ps23028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Leasing Management GmbH, Prva stavebna sporitelna a.s., Oesterreichische Kontrollbank Aktiengesellschaft, </span></div><div class=\"ps23029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichische Hotel- und Tourismusbank GmbH und Posojilnica Bank eGen um weniger als 10 Prozent reduzieren, bei der </span></div><div class=\"ps23030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Informatik GmbH &amp; Co KG um rund 17 Prozent, und somit zu einer weiteren Buchwertabschreibung f\u00fchren. Von </span></div><div class=\"ps23031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Szenario nicht beeinflusst sind die UNIQA Insurance Group AG, Notartreuhandbank AG sowie die EMCOM Beteiligungs </span></div><div class=\"ps23032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">GmbH, hier w\u00fcrde ein weiterer Wertr\u00fcckgang zu keiner Buchwertabschreibung f\u00fchren, da der Value in Use noch immer \u00fcber </span></div><div class=\"ps23033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem anteiligen Eigenkapital liegen w\u00fcrde.</span></div><div class=\"ps28786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Vollkonsolidierte Tochterunternehmen \u2013 RBI h\u00e4lt weniger als 50 Prozent der <span id=\"id4f6be6f07c842e3a48fda053c063b5b\"></span></span></div><div class=\"ps28787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stimmrechtsanteile</span></div><div class=\"ps27580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen, bei denen der Konzern weniger als die H\u00e4lfte der Stimmrechte h\u00e4lt, werden vollkonsolidiert, wenn die RBI </span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber die effektive Kontrolle nach den Kriterien von IFRS 10 verf\u00fcgt. Hierbei wird unter anderem \u00fcberpr\u00fcft, ob der Konzern </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schwankenden Renditen aus seinem Engagement in den Beteiligungsunternehmen ausgesetzt ist, bzw. Anrechte auf diese </span></div><div class=\"ps27258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besitzt und die F\u00e4higkeit hat, diese Renditen mittels seiner Verf\u00fcgungsgewalt \u00fcber das Beteiligungsunternehmen zu </span></div><div class=\"ps27581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen.</span></div><div class=\"ps26907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strukturierte Einheiten wurden so konzipiert, dass die Stimmrechte oder vergleichbare Rechte nicht der dominierende Faktor </span></div><div class=\"ps26908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind, wenn es darum geht, festzulegen, wer das Unternehmen beherrscht.</span></div><div class=\"ps28788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Konzern gibt es einige Leasingobjektgesellschaften in der Rechtsform einer GmbH &amp; Co KG, bei denen eine </span></div><div class=\"ps28789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerngesellschaft als Komplement\u00e4r fungiert. Durch die \u00dcbernahme der pers\u00f6nlichen Haftung wird die Variabilit\u00e4t der </span></div><div class=\"ps28790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rendite aus den strukturierten Unternehmen \u00fcbernommen. Diese Unternehmen sind in der Liste der vollkonsolidierten </span></div><div class=\"ps28791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Unternehmen enthalten. </span></div><div class=\"ps28792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nicht vollkonsolidierte Tochterunternehmen \u2013 RBI h\u00e4lt mehr als 50 Prozent der <span id=\"id51a397ad2a446cdab11d607dd8aa359\"></span></span></div><div class=\"ps28793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stimmrechtsanteile</span></div><div class=\"ps28794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund untergeordneter Bedeutung f\u00fcr die Verm\u00f6gens-, Finanz- und Ertragslage wurde auf die Einbeziehung von 247 </span></div><div class=\"ps28795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen (Vorjahr: 262) verzichtet. Die Bilanzsumme der nicht einbezogenen Unternehmen betr\u00e4gt insgesamt </span></div><div class=\"ps28796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weniger als 1 Prozent der Bilanzsumme des Konzerns.</span></div><div class=\"ps28797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liste der vollkonsolidierten verbundenen Unternehmen<span id=\"i52384dfbd50e470d950a7a8283fe35b0\"></span></span></div><div class=\"ps28856 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:270.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1498\"><div><div class=\"ps516 ss657\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11923 ss607\"><div><div class=\"ps1485 ss606\"><span class=\"f charStyle-3e64e966 ps7763\">Gezeichnetes </span></div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps28851\">Kapital</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3818 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps28853\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11924 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps9086\">Anteil</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28855 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps10412\">Typ</span><span class=\"f charStyle-cdbbedb5 ps28854\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">\"Raiffeisen-Rent\" Verm\u00f6gensberatung und Treuhand Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28798 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.36pt\"></span></span><span class=\"ps13477\">364.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28799 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28800 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Abura Immobilienleasing GmbH &amp; Co. Projekt Seniorenhaus Boppard KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28801 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28802 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28803 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28804 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Achat Immobilien GmbH &amp; Co. Projekt Hochtaunus-Stift KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28805 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28806 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28807 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1529\"></span><span class=\"ps1529\">1,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28808 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Acridin Immobilienleasing GmbH &amp; Co. Projekt Marienfeld KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28809 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28810 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28811 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28812 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Adagium Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28813 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28814 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28815 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28816 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Adamas Immobilienleasing GmbH &amp; Co. Projekt Pflegeheim Werdau KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28817 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28818 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28819 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28820 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Adorant Immobilienleasing GmbH &amp; Co. Projekt Heilsbronn und Neuendettelsau KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28821 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28822 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28823 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28824 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Ados Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28825 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28826 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28828 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Adrittura Immobilienleasing GmbH &amp; Co. Projekt Eiching KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28829 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28830 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28831 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Agamemnon Immobilienleasing GmbH &amp; Co. Projekt Pflegeheim Freiberg KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28832 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28833 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28834 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28835 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.78pt\"></span></span><span class=\"ps15051\">100.125.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28836 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28837 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6980\"></span><span class=\"ps6980\">92,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28838 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">AKRISIOS Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28839 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28840 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28841 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28842 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">AL Taunussteiner Grundst\u00fccks-GmbH &amp; Co KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28843 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.75pt\"></span></span><span class=\"ps9401\">9.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28844 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28845 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17575\"></span><span class=\"ps17575\">93,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28846 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">A-Leasing SpA, Tarvis (IT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28847 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.71pt\"></span></span><span class=\"ps11482\">68.410.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28848 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28849 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28850 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:270.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1498\"><div><div class=\"ps516 ss657\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11923 ss607\"><div><div class=\"ps1485 ss606\"><span class=\"f charStyle-3e64e966 ps7763\">Gezeichnetes </span></div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps28851\">Kapital</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3818 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps28853\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11924 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps9086\">Anteil</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28855 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps10412\">Typ</span><span class=\"f charStyle-cdbbedb5 ps28854\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1992 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Allg\u00e4u Reha Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28798 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28799 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28800 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">AMYKOS RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28801 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28802 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28803 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28804 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Anton Proksch Institut Kalksburg RBI Immobilien Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28805 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28806 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28807 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28808 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">AO Raiffeisenbank, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28809 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:1.7pt\"></span></span><span class=\"ps16287\">36.711.260.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28810 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps1452\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28811 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28812 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">ARCANA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28813 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28814 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28815 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28816 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">A-Real Estate S.p.A., Bozen (IT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28817 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.38pt\"></span></span><span class=\"ps13094\">390.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28818 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28819 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28820 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Hettstedt Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28821 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28822 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28823 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28824 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing Beteiligungsgesellschaft mbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28825 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28826 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28828 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28829 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.78pt\"></span></span><span class=\"ps28858\">1.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28830 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28831 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">B52 RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28832 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28833 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28834 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Bafep21 RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28835 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28836 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28837 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28838 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">BAILE Handels- und Beteiligungsgesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28839 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28840 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28841 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28842 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Baumgartner H\u00f6he RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28843 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28844 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28845 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28846 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Burgenl\u00e4ndische Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28847 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28848 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28849 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28850 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Campus ATZ + DOS RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28860 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28861 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28862 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Campus NBhf RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28863 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28864 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28866 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Canopa Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28867 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28868 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28869 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28870 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Centralised Raiffeisen International Services &amp; Payments S.R.L., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28872 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.43pt\"></span></span><span class=\"ps28871\">2.820.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28873 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28874 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28875 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">CERES Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28876 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28877 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28878 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28879 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">CINOVA RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28880 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28881 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28882 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28883 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">CP Inlandsimmobilien-Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28884 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.36pt\"></span></span><span class=\"ps13477\">364.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28885 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28886 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28887 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Elevator Ventures Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28888 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.18pt\"></span></span><span class=\"ps12869\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28889 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28890 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28891 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">ETEOKLES Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28892 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28893 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28894 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28895 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Expo 2000 Real Estate EOOD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28896 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28898 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps28897\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28899 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28900 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5220 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">FCC Office Building SRL, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28902 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.28pt\"></span></span><span class=\"ps28901\">30.298.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28903 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28904 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28905 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5223 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Floreasca City Center Verwaltung Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28906 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.36pt\"></span></span><span class=\"ps12946\">44.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28907 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28908 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28909 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">FMK Fachmarktcenter Kohlbruck Betriebs GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28910 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.1pt\"></span></span><span class=\"ps7003\">30.678<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28911 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28912 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13421\"></span><span class=\"ps13421\">94,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28913 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">FMZ PRIMUS Ingatlanfejleszt\u00f6 Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28915 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.24pt\"></span></span><span class=\"ps28914\">11.077<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28916 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28917 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28918 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">GENO Leasing Ges.m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28919 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28920 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28921 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28922 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">GTNMS RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28923 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28924 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28925 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28926 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6610 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">HABITO Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28927 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28928 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28929 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28930 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25611 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">INFRA MI 1 Immobilien Gesellschaft mbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28932 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.71pt\"></span></span><span class=\"ps28931\">72.673<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28933 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28934 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28935 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9289 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Infrastruktur Heilbad Sauerbrunn RBI-Leasing GmbH &amp; Co.KG., Bad Sauerbrunn (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28937 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:16.28pt\"></span></span><span class=\"ps28936\">3.511.188<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28938 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28939 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28940 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6262 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Invest Verm\u00f6gensverwaltungs-GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28942 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.9pt\"></span></span><span class=\"ps28941\">73.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28943 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28944 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28945 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7340 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Kathrein Privatbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28947 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.8pt\"></span></span><span class=\"ps28946\">20.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28948 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28949 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28950 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28951 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">KAURI Handels und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28952 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.57pt\"></span></span><span class=\"ps9104\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28953 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28954 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21187\"></span><span class=\"ps21187\">88,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28955 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13987 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">LARENTIA Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28956 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28957 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28958 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28959 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6295 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Lentia Immobilienleasing GmbH &amp; Co. Albert-Osswald-Haus KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28960 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28961 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28962 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28963 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28964 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liability Company RB-Digital, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28966 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.95pt\"></span></span><span class=\"ps28965\">1.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28967 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps1452\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28968 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28969 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28970 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">LLC Asset Management \u0421ompany Raiffeisen, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28972 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:7.02pt\"></span></span><span class=\"ps28971\">225.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28973 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps1452\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28974 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28975 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28976 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Neu-Marx Holding Eins GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28977 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28978 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28979 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28980 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6317 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Neu-Marx Holding Zwei GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28981 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28982 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28983 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28984 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Neu-Marx Immobilien Eins GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28985 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28986 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28987 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28988 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28989 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Neu-Marx Immobilien Zwei GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28990 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28991 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28992 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28993 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5519 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Objekt Linser Areal Immoblilienerrichtungs GmbH &amp; Co. KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28995 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:24.68pt\"></span></span><span class=\"ps28994\">1.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28996 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28997 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28998 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6341 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">OOO Raiffeisen-Leasing, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28999 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:4.3pt\"></span></span><span class=\"ps16292\">1.071.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29000 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps1452\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29001 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29002 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5258 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">OVIS Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29003 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29004 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29005 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29006 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7402 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">PELIAS Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29007 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29008 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29009 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29010 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">PERSES RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29012 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29013 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29014 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29015 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29016 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">PLANA Raiffeisen-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29017 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29018 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29019 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29020 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6933 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">R Karpo Immobilien Linie S.R.L., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29021 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:28.35pt\"></span></span><span class=\"ps10496\">200<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29022 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29023 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29024 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6675 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">R.P.I. Handels- und Beteiligungsgesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29026 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29027 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29028 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29029 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29030 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank d.d. Bosna i Hercegovina, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29032 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.46pt\"></span></span><span class=\"ps29031\">247.167.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29033 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10743\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29034 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29035 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29036 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank JSC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29038 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:5.02pt\"></span></span><span class=\"ps29037\">6.154.516.258<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29039 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps3172\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29040 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18684\"></span><span class=\"ps18684\">68,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29041 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29042 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank Kosovo J.S.C., Pristina (XK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29044 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.73pt\"></span></span><span class=\"ps29043\">63.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29045 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29046 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29047 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6691 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29049 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:3.18pt\"></span></span><span class=\"ps29048\">1.200.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29050 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29051 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29052 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29053 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank Sh.a., Tirana (AL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29055 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:1.62pt\"></span></span><span class=\"ps29054\">14.178.593.030<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29056 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10605\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29057 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29058 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29059 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank Zrt., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29060 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"></span><span class=\"ps30\">50.000.090.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29061 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29062 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29063 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7152 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29064 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:1.35pt\"></span></span><span class=\"ps16327\">27.466.157.580<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29065 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29066 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29067 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8308 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bausparkasse Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29068 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.78pt\"></span></span><span class=\"ps10947\">35.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29069 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29070 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29071 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8394 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bausparkassen Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29072 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.53pt\"></span></span><span class=\"ps11430\">10.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29073 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29074 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29075 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:270.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1498\"><div><div class=\"ps516 ss657\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11923 ss607\"><div><div class=\"ps1485 ss606\"><span class=\"f charStyle-3e64e966 ps7763\">Gezeichnetes </span></div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps28851\">Kapital</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3818 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps28853\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11924 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps9086\">Anteil</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28855 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps10412\">Typ</span><span class=\"f charStyle-cdbbedb5 ps28854\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1992 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen CEE Region Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28798 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28799 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28800 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6299\">FH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Corporate Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28801 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28802 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28803 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28804 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Corporate L\u00edzing Zrt., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28805 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:11pt\"></span></span><span class=\"ps29076\">50.120.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28806 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28807 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28808 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Digital Bank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28809 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.49pt\"></span></span><span class=\"ps29077\">47.598.850<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28810 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28811 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28812 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Factor Bank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28813 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.53pt\"></span></span><span class=\"ps11430\">10.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28814 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28815 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28816 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen FinCorp, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28817 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.45pt\"></span></span><span class=\"ps12727\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28818 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28819 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28820 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Group IT GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28821 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.18pt\"></span></span><span class=\"ps12869\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28822 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28823 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13547\"></span><span class=\"ps13547\">99,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28824 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen International Liegenschaftsbesitz GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28825 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28826 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28828 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen investicni spolecnost a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28829 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.48pt\"></span></span><span class=\"ps2731\">40.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28830 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28831 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Investment Fund Management JSC, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28832 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:7.28pt\"></span></span><span class=\"ps24413\">100.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28833 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28834 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28835 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.7pt\"></span></span><span class=\"ps29078\">15.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28836 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28837 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28838 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing d.o.o., Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28839 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.12pt\"></span></span><span class=\"ps598\">405.021.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28840 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28841 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28842 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing d.o.o. Sarajevo, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28843 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.16pt\"></span></span><span class=\"ps29079\">11.450.452<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28844 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10743\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28845 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28846 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing IFN S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28847 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.12pt\"></span></span><span class=\"ps3813\">39.700.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28848 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28849 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13547\"></span><span class=\"ps13547\">99,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28850 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing Kosovo LLC, Pristina (XK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.19pt\"></span></span><span class=\"ps17301\">642.857<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28860 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28861 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28862 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing sh.a., Tirana (AL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28863 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.37pt\"></span></span><span class=\"ps614\">263.520.134<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28864 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10605\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28866 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Mandatory and Voluntary Pension Funds Management Company Plc., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28867 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:11.05pt\"></span></span><span class=\"ps11819\">19.038.463<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28868 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28869 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28870 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps26516\">VV<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen \u00d6HT Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28872 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28873 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28874 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21187\"></span><span class=\"ps21187\">88,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28875 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Pension Insurance d.d., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28876 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.05pt\"></span></span><span class=\"ps11221\">13.020.108<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28877 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28878 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28879 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps26516\">VV<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Holding International GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28880 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28881 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28882 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28883 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property International GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28884 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28885 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28886 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28887 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28888 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28889 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28890 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28891 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Rehazentrum Schruns Immobilienleasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28892 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28893 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28894 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13293\"></span><span class=\"ps13293\">51,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28895 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Rent DOO, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28896 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.14pt\"></span></span><span class=\"ps11003\">243.099.913<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28898 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28899 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28900 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5220 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen RS Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28902 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28903 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28904 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28905 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6299\">FH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5223 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen SEE Region Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28906 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28907 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28908 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28909 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6299\">FH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen stavebni sporitelna a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28910 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:6.54pt\"></span></span><span class=\"ps1837\">650.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28911 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28912 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28913 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Tirol GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28915 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28916 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28917 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28918 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Vienna GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28919 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28920 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28921 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28922 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Wien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28923 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28924 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28925 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28926 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6610 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Zwei GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28927 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28928 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28929 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28930 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25611 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Wohnbaubank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28932 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.95pt\"></span></span><span class=\"ps28965\">5.100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28933 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28934 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28935 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9289 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Anlagenvermietung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28937 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28938 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28939 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28940 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6262 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28942 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"></span><span class=\"ps30\">15.460.800.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28943 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28944 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28945 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7340 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank Austria d.d., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28947 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:7.07pt\"></span></span><span class=\"ps29080\">480.646.626<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28948 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28949 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28950 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28951 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Gemeindegeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28952 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28953 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28954 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28955 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13987 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28956 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28957 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28958 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28959 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6295 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Invest-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28960 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28961 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28962 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28963 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28964 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28966 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28967 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28968 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28969 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28970 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Beteiligung GesmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28972 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28973 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28974 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28975 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28976 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing d.o.o., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28977 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:14.27pt\"></span></span><span class=\"ps29081\">3.981.684<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28978 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28979 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28980 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6317 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Equipment Finance GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28981 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28982 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28983 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28984 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Finanzierungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28985 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.92pt\"></span></span><span class=\"ps29082\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28986 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28987 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28988 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28989 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Fuhrparkmanagement Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28990 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28991 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28992 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28993 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5519 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28995 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.7pt\"></span></span><span class=\"ps10102\">363.364<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28996 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28997 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28998 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6341 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Immobilienmanagement Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28999 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29000 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29001 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29002 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5258 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing International Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29003 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29004 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29005 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29006 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7402 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29007 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:6.4pt\"></span></span><span class=\"ps29083\">450.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29008 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29009 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29010 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Rent Immobilienprojektentwicklung Gesellschaft m.b.H. Objekt Wallgasse 12 KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29012 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.09pt\"></span></span><span class=\"ps11492\">4.886.449<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29013 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29014 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29015 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29016 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Rent-Immobilienprojektentwicklung Gesellschaft m.b.H., Objekt Lenaugasse 11 KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29017 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:14.54pt\"></span></span><span class=\"ps29084\">6.169.924<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29018 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29019 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29020 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6933 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RALT Raiffeisen-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29021 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.73pt\"></span></span><span class=\"ps10133\">218.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29022 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29023 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29024 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6675 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RALT Raiffeisen-Leasing Gesellschaft m.b.H. &amp; Co. KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29026 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.18pt\"></span></span><span class=\"ps29085\">20.348.394<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29027 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29028 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29029 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29030 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RAN vierzehn Raiffeisen-Anlagevermietung GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29032 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29033 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29034 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29035 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29036 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RAN zehn Raiffeisen-Anlagenvermietung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29038 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29039 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29040 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29041 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29042 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RB International Markets (USA) LLC, New York (US)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29044 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.83pt\"></span></span><span class=\"ps3119\">8.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29045 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12739\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29046 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29047 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6691 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RBI eins Leasing Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29049 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29050 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29051 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29052 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29053 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RBI ITS Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29055 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29056 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29057 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29058 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29059 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RBI LEA Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29060 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.79pt\"></span></span><span class=\"ps29086\">70.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29061 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29062 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29063 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7152 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29064 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.18pt\"></span></span><span class=\"ps12869\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29065 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29066 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29067 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8308 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">REC Alpha LLC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29068 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:4.65pt\"></span></span><span class=\"ps29087\">1.201.407.344<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29069 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps3172\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29070 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29071 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8394 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Regional Card Processing Center s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29072 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.82pt\"></span></span><span class=\"ps29088\">539.465<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29073 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29074 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29075 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:270.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1498\"><div><div class=\"ps516 ss657\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11923 ss607\"><div><div class=\"ps1485 ss606\"><span class=\"f charStyle-3e64e966 ps7763\">Gezeichnetes </span></div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps28851\">Kapital</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3818 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps28853\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11924 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps9086\">Anteil</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28855 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps10412\">Typ</span><span class=\"f charStyle-cdbbedb5 ps28854\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1992 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RIL VII Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28798 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28799 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28800 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RIRE Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28801 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28802 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28803 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28804 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL Anlagenvermietung Gesellschaft m.b.H., Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28805 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.57pt\"></span></span><span class=\"ps9104\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28806 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28807 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28808 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL LUX Holding S.a.r.l., Luxemburg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28809 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.9pt\"></span></span><span class=\"ps29090\">12.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28810 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28811 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28812 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL Retail Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28813 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.63pt\"></span></span><span class=\"ps12947\">36.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28814 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28815 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28816 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-ALPHA Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28817 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28818 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28819 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28820 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-M\u00f6rby AB, Stockholm (SE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28821 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.18pt\"></span></span><span class=\"ps12869\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28822 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10376\">SEK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28823 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28824 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-Nordic AB, Stockholm (SE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28825 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.67pt\"></span></span><span class=\"ps11386\">50.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28826 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10376\">SEK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28828 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-Pro Auxo Sp.z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28829 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.57pt\"></span></span><span class=\"ps9104\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6004\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28830 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28831 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-PROMITOR Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28832 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28833 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28834 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-PROMITOR Sp. z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28835 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.57pt\"></span></span><span class=\"ps9104\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28836 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6004\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28837 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28838 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RUBRA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28839 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28840 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28841 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28842 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RZB - BLS Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28843 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.32pt\"></span></span><span class=\"ps1435\">500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28844 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28845 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28846 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RZB Versicherungsbeteiligung GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28847 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.32pt\"></span></span><span class=\"ps1435\">500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28848 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28849 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28850 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">S.A.I. Raiffeisen Asset Management S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.09pt\"></span></span><span class=\"ps29091\">33.004.533<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28860 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28861 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13547\"></span><span class=\"ps13547\">99,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28862 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">SALVELINUS Handels- und Beteiligungsgesellschaft m.b.H, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28863 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28864 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28866 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">SAMARA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28867 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28868 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28869 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28870 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">SINIS Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28872 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28873 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28874 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28875 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Sky Tower Immobilien- und Verwaltung Kft, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28876 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.36pt\"></span></span><span class=\"ps12946\">44.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28877 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28878 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28879 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Skytower Building SRL, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28880 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.14pt\"></span></span><span class=\"ps3264\">126.661.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28881 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28882 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28883 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra Asset Management, spr\u00e1v. spol., a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28884 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:14.58pt\"></span></span><span class=\"ps27197\">1.659.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28885 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28886 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3846\"></span><span class=\"ps3846\">78,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28887 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra banka, a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28888 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.81pt\"></span></span><span class=\"ps29092\">64.326.228<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28889 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28890 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3846\"></span><span class=\"ps3846\">78,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28891 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra-Leasing, s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28892 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.82pt\"></span></span><span class=\"ps23580\">6.638.785<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28893 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28894 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3846\"></span><span class=\"ps3846\">78,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28895 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Ukrainian Processing Center PJSC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28896 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.26pt\"></span></span><span class=\"ps10105\">180.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28898 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps3172\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28899 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28900 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5220 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">URSA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28902 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28903 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28904 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28905 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5223 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Holding AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28906 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.92pt\"></span></span><span class=\"ps29082\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28907 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28908 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8733\"></span><span class=\"ps8733\">57,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28909 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Pension AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28910 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.83pt\"></span></span><span class=\"ps29093\">10.200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28911 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28912 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8733\"></span><span class=\"ps8733\">57,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28913 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Plus AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28915 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.09pt\"></span></span><span class=\"ps11492\">5.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28916 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28917 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8733\"></span><span class=\"ps8733\">57,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28918 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Viktor Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28919 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.45pt\"></span></span><span class=\"ps12727\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28920 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28921 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28922 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">W 3 Errichtungs- und Betriebs-GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28923 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.23pt\"></span></span><span class=\"ps5290\">800.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28924 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28925 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28926 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6610 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">WEGA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28927 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28928 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28929 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28930 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25611 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">WHIBK Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28932 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28933 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28934 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28935 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9289 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">ZHS Office- &amp; Facilitymanagement GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28937 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28938 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28939 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28940 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6262 ss621\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Abz\u00fcglich eigener Aktien<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">2 Unternehmenskategorie: KI Kreditinstitut, FI Finanzinstitut, BH Anbieter von Nebendienstleistungen, FH Finanzholding, SU Sonstiges Unternehmen, VV Versicherung, WP Wertpapierunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps29094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Strukturierte Einheiten<span id=\"i1acc6aba84c04c9e9188411c9b587f4c\"></span></span></div><div class=\"ps29095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachfolgenden Tabellen zeigen die Buchwerte der finanziellen Verm\u00f6genswerte und finanziellen Verbindlichkeiten </span></div><div class=\"ps29096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber nicht konsolidierten strukturierten Einheiten, aufgeschl\u00fcsselt nach Art der strukturierten Einheit. Die ausgewiesenen </span></div><div class=\"ps29097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwerte spiegeln die tats\u00e4chliche Ertragsvariabilit\u00e4t nicht wider, weil sie die Effekte von Sicherungs- bzw. </span></div><div class=\"ps29098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherungsgesch\u00e4ften nicht ber\u00fccksichtigen.</span></div><div class=\"ps29099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Verm\u00f6genswerte<span id=\"id30b6b8b23ab43b8ac1ea412f8490dd6\"></span></span></div><div class=\"ps29105 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1499\"><div><div class=\"ps1485 ss24\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss24\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps773 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps21184\">Kredite und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps1687\">Forderungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps775 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps11547\">Eigenkapital-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5911\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps9097\">Fremdkapital-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5911\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5663\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefungsvehikel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29100 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21638 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29101 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18458\">1.090<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29102 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzierungsgesellschaften Dritter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14923 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29103\">171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Fonds<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14935 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29104 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18458\">1.090<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps29106 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1499\"><div><div class=\"ps1485 ss24\"><span class=\"f charStyle-ca7bbde0 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss24\"><span class=\"f charStyle-ca7bbde0 ps30\">in \u20ac Millionen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps773 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps21184\">Kredite und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps1687\">Forderungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps775 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps11547\">Eigenkapital-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5911\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps9097\">Fremdkapital-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5911\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5663\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefungsvehikel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29100 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21638 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29101 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20898\">584<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29102 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzierungsgesellschaften Dritter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14923 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Fonds<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14935 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29104 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">199<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20898\">584<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Verbindlichkeiten<span id=\"i1daeff6f5faa43eaa1507362e59b80f2\"></span></span></div><div class=\"ps3331 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1499\"><div><div class=\"ps1485 ss24\"><span class=\"f charStyle-ca7bbde0 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss24\"><span class=\"f charStyle-ca7bbde0 ps30\">in \u20ac Millionen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps773 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps29108\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps775 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps11547\">Eigenkapital-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5911\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps100\">Verbriefte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps11232\">Verbindlichkeiten</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5663\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefungsvehikel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29100 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21638 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29101 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29102 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzierungsgesellschaften Dritter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14923 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Fonds<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14935 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29104 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps29109 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1499\"><div><div class=\"ps1485 ss24\"><span class=\"f charStyle-ca7bbde0 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss24\"><span class=\"f charStyle-ca7bbde0 ps30\">in \u20ac Millionen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps773 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps29108\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps775 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps11547\">Eigenkapital-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5911\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1199\"><div><div class=\"ps1485 ss26\"><span class=\"f charStyle-1dbd4d87 ps100\">Verbriefte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps11232\">Verbindlichkeiten</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps5663\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefungsvehikel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29100 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21638 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29101 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29102 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzierungsgesellschaften Dritter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14923 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Fonds<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14935 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29104 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps29111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Art, Zweck und Umfang der Beteiligungen des Konzerns an nicht konsolidierten <span id=\"id82389b9de1d4c23bc0866f713983542\"></span></span></div><div class=\"ps29112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">strukturierten Einheiten</span></div><div class=\"ps29113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern verfolgt diverse Gesch\u00e4ftsaktivit\u00e4ten mit strukturierten Einheiten, die auf die Erreichung eines bestimmten </span></div><div class=\"ps29114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftszwecks ausgelegt sind. Die Errichtung strukturierter Einheiten zielt darauf ab, dass Stimm- oder vergleichbare Rechte </span></div><div class=\"ps29115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht der dominierende Faktor daf\u00fcr sind, wer die betreffende Einheit kontrolliert. Dies ist z. B. der Fall, wenn Stimmrechte sich </span></div><div class=\"ps29116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nur auf administrative Aufgaben beziehen und die jeweiligen Aktivit\u00e4ten mittels vertraglicher Vereinbarungen gelenkt werden.</span></div><div class=\"ps29117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine strukturierte Einheit weist h\u00e4ufig einige oder alle der folgenden Merkmale oder Attribute auf:</span></div><div class=\"ps29118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Eingeschr\u00e4nkte Aktivit\u00e4ten</span></div><div class=\"ps29119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Eng gefasster und gut definierter Gesch\u00e4ftszweck</span></div><div class=\"ps29120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Eigenkapital zu gering, dass die strukturierte Einheit ihre Aktivit\u00e4ten ohne nachrangige finanzielle Unterst\u00fctzung </span></div><div class=\"ps29121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">finanzieren k\u00f6nnte</span></div><div class=\"ps29122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Finanzierung in Form der Ausgabe multipler, vertraglich verkn\u00fcpfter Instrumente an Investoren, die Kredit- oder </span></div><div class=\"ps29123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">sonstige Risikokonzentrationen entstehen lassen (Tranchen)</span></div><div class=\"ps29124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strukturierte Einheiten werden haupts\u00e4chlich dazu eingesetzt, Kund:innen den Zugang zu spezifischen Verm\u00f6gensportfolios zu </span></div><div class=\"ps29125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erm\u00f6glichen und ihnen durch die Verbriefung von finanziellen Verm\u00f6genswerten Liquidit\u00e4t bereitzustellen. Sie k\u00f6nnen als </span></div><div class=\"ps29126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapital-, Treuhand- oder Personengesellschaften errichtet werden. Strukturierte Einheiten dienen im Allgemeinen zur </span></div><div class=\"ps29127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierung des Kaufs von Verm\u00f6genswerten durch die Emission von Schuld- und Eigenkapitalpapieren, die mit Sicherheiten </span></div><div class=\"ps29128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterlegt und/oder durch eine Indexklausel mit den von den strukturierten Einheiten gehaltenen Verm\u00f6genswerten verkn\u00fcpft </span></div><div class=\"ps29129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind.</span></div><div class=\"ps29130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strukturierte Einheiten werden konsolidiert, wenn die substanzielle Beziehung zwischen dem Konzern und den strukturierten </span></div><div class=\"ps29131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einheiten darauf hindeutet, dass die strukturierten Einheiten vom Konzern kontrolliert werden.</span></div><div class=\"ps29132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachstehend erfolgt eine Aufschl\u00fcsselung der Beteiligungen des Konzerns an nicht konsolidierten strukturierten Einheiten nach </span></div><div class=\"ps29133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihrer Art.</span></div><div class=\"ps29134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzierungsgesellschaften Dritter<span id=\"i98cd806b33584b7b8c4234e9005dabc7\"></span></span></div><div class=\"ps29135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern stellt Finanzierungsmittel f\u00fcr strukturierte Einheiten bereit, die eine Vielzahl von Verm\u00f6genswerten halten. Diese </span></div><div class=\"ps29136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einheiten k\u00f6nnen die Form von Finanzierungs-, Treuhand- und privaten Beteiligungsgesellschaften annehmen. Die Finanzierung </span></div><div class=\"ps29137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird durch die in den strukturierten Einheiten gehaltenen Verm\u00f6genswerte besichert. Die Beteiligungst\u00e4tigkeit des Konzerns </span></div><div class=\"ps29138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstreckt sich vorwiegend auf Kreditgesch\u00e4fte.</span></div><div class=\"ps29139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verbriefungsvehikel<span id=\"i236436e9bb4c440887bd5c6c477d21b9\"></span></span></div><div class=\"ps29140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern etabliert Verbriefungsvehikel, die diversifizierte Pools von Verm\u00f6genswerten erwerben, einschlie\u00dflich </span></div><div class=\"ps29141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festverzinslicher Wertpapiere, Unternehmenskredite und durch Verm\u00f6genswerte besicherter Wertpapiere (ABS; vorwiegend </span></div><div class=\"ps29142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Commercial Papers, durch Hypothekendarlehen besicherte Wertpapiere (RMBS) und Kreditkartenforderungen). Die Vehikel </span></div><div class=\"ps29143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieren diese K\u00e4ufe durch die Emission multipler Tranchen von Schuld- und Eigenkapitalpapieren, deren R\u00fcckzahlung an die </span></div><div class=\"ps29144 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertentwicklung der in den Vehikeln enthaltenen Verm\u00f6genswerte gekn\u00fcpft ist.</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fonds<span id=\"i4ccac41468624c99ba2f698511354f90\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern etabliert strukturierte Einheiten zur Deckung des kundenseitigen Bedarfs im Hinblick auf Beteiligungen an </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifischen Verm\u00f6genswerten. Der Konzern investiert auch in Fonds, die von Dritten gesponsert werden. Eine </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerngesellschaft kann die Rolle des Fondsmanagers, der Depotstelle oder eine andere Funktion \u00fcbernehmen und </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsmittel und Kreditlinien sowohl f\u00fcr konzerngesponserte Fonds als auch f\u00fcr Fonds Dritter zur Verf\u00fcgung stellen. Die </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bereitgestellte Finanzierung wird durch die vom Fonds gehaltenen zugrunde liegenden Verm\u00f6genswerte besichert.</span></div><div class=\"ps26146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Maximales Exposure bei und Gr\u00f6\u00dfe von nicht konsolidierten strukturierten Einheiten<span id=\"i87e632302b81431ca934b676c58ad03f\"></span></span></div><div class=\"ps26147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das maximale Verlustrisiko wird anhand der Art der Beteiligung an der nicht konsolidierten strukturierten Einheit ermittelt. Das </span></div><div class=\"ps19377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">maximale Exposure f\u00fcr Darlehen und Handelsinstrumente ergibt sich aus deren bilanzierten Buchwerten. Das maximale </span></div><div class=\"ps19378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Exposure f\u00fcr Derivate und au\u00dferbilanzielle Instrumente wie Garantien, Kreditlinien und Kreditverpflichtungen gem\u00e4\u00df IFRS 12 in </span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Interpretation durch den Konzern ergibt sich aus dem jeweiligen Nominale. Die betreffenden Betr\u00e4ge spiegeln die </span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wirtschaftlichen Risiken f\u00fcr den Konzern nicht wider, weil sie weder die Effekte von Sicherungs- oder Absicherungsgesch\u00e4ften </span></div><div class=\"ps26148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">noch die Wahrscheinlichkeit des Eintritts entsprechender Verluste ber\u00fccksichtigen. Per 31. Dezember 2025 belief sich das </span></div><div class=\"ps26149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nominale von Derivaten und au\u00dferbilanziellen Instrumenten auf null (Vorjahr: null) bzw. \u20ac 69 Millionen (Vorjahr: \u20ac 68 Millionen). </span></div><div class=\"ps26150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen zur Gr\u00f6\u00dfe von strukturierten Einheiten sind nicht immer \u00f6ffentlich verf\u00fcgbar. Daher hat der Konzern sein </span></div><div class=\"ps26151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Exposure als angemessenen Ma\u00dfstab f\u00fcr das Verlustrisiko aus dem Anteil an nicht konsolidierten strukturierten Unternehmen </span></div><div class=\"ps26152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt.</span></div><div class=\"ps29147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Unterst\u00fctzung<span id=\"i09cb527c802345ffb8b0754b11a1a4ae\"></span></span></div><div class=\"ps29148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern hat w\u00e4hrend des Berichtsjahres wie schon im Vorjahr keine finanzielle Unterst\u00fctzung an nicht konsolidierte </span></div><div class=\"ps29149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">strukturierte Einheiten gew\u00e4hrt.</span></div><div class=\"ps29150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Gesponserte strukturierte Einheiten<span id=\"i2c3243422f604b9585ebc97159d6f903\"></span></span></div><div class=\"ps29151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als Sponsor ist der Konzern oft an der rechtlichen Gr\u00fcndung und Vermarktung einer Einheit beteiligt und unterst\u00fctzt diese auf </span></div><div class=\"ps29152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verschiedene Weise, z. B. durch die Bereitstellung operationeller Unterst\u00fctzung zur Gew\u00e4hrleistung des fortlaufenden </span></div><div class=\"ps29153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbetriebs. Der Konzern wird auch als Sponsor f\u00fcr eine strukturierte Einheit betrachtet, wenn diese unter </span></div><div class=\"ps29154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugrundelegung vern\u00fcnftiger Ma\u00dfst\u00e4be vom Markt mit dem Konzern assoziiert wird. Dar\u00fcber hinaus deutet h\u00e4ufig die </span></div><div class=\"ps29155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwendung der Bezeichnung Raiffeisen f\u00fcr die strukturierte Einheit darauf hin, dass der Konzern als Sponsor fungiert. Die </span></div><div class=\"ps29156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bruttoerl\u00f6se aus gesponserten Einheiten f\u00fcr das am 31. Dezember 2025 abgelaufene Gesch\u00e4ftsjahr betrugen \u20ac 265 Millionen </span></div><div class=\"ps29157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Vorjahr: \u20ac 266 Millionen). Im Berichtsjahr wurden ebenso wie im Vorjahr keine Verm\u00f6genswerte an gesponserte, nicht </span></div><div class=\"ps29158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konsolidierte strukturierte Einheiten \u00fcbertragen.</span></div><div class=\"ps29160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(59) Beteiligungs\u00fcbersicht<span id=\"i662cc6d6bb454082b16e9b09017a708e\"></span></span></div><div class=\"ps29161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">In der Konzernbilanz at-equity bewertete Unternehmen<span id=\"i4a3859b69c6e4571b52e5ef447c6efce\"></span></span></div><div class=\"ps29200 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:272.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25644 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps9347\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">EMCOM Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29166 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20963 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9340\"></span><span class=\"ps9340\">33,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">LEIPNIK-LUNDENBURGER INVEST Beteiligungs Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29168 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.3pt\"></span></span><span class=\"ps13308\">32.624.283<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2032\"></span><span class=\"ps2032\">33,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">NOTARTREUHANDBANK AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29171 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.44pt\"></span></span><span class=\"ps24764\">8.030.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29173\"></span><span class=\"ps29173\">26,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29176 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.89pt\"></span></span><span class=\"ps29175\">130.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7755\"></span><span class=\"ps7755\">8,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Hotel- und Tourismusbank Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29180 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.27pt\"></span></span><span class=\"ps29179\">11.627.653<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29181 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2032\"></span><span class=\"ps2032\">31,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Posojilnica Bank eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29183 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.86pt\"></span></span><span class=\"ps28609\">74.345.115<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29184 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29185\"></span><span class=\"ps29185\">49,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Prva stavebna sporitelna a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25488 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.41pt\"></span></span><span class=\"ps19535\">66.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29187 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5366\"></span><span class=\"ps5366\">32,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Informatik GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29190 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.38pt\"></span></span><span class=\"ps29189\">1.460.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29191 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1676\"></span><span class=\"ps1676\">47,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29194 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.76pt\"></span></span><span class=\"ps9395\">300.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29195 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6722\"></span><span class=\"ps6722\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29197 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:28.98pt\"></span></span><span class=\"ps10119\">309.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29198 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1628\"></span><span class=\"ps1628\">10,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps8144\">VV<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Unternehmenskategorie: KI Kreditinstitut, FI Finanzinstitut, BH Anbieter von Nebendienstleistungen, FH Finanzholding, SU Sonstiges Unternehmen, VV Versicherung, WP Wertpapierunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sonstige verbundene Unternehmen<span class=\"f ps24\"> </span><span id=\"i6e34924ae7724ffe870c01861fa3d157\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">\"Am Hafen\" Sutterl\u00fcty GmbH &amp; Co, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH &amp; Co Projekt Lauterbach KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abelin Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abrawiza Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abrawiza Immobilienleasing GmbH &amp; Co. Projekt Fernwald KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abura Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ACB Ponava, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Achat Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Acridin Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adamas Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adorant Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adrett Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adrittura Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adufe Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Agamemnon Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Aglaia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Aiolos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">AKCENTA DE GmbH, Hamburg (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Akcenta Digital s.r.o., Hradec Kralove (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.2pt\"></span></span><span class=\"ps29227\">20.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Ananke Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Angaga Handels- und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Antiopa Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Apate Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Appolon Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Borna Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Erfurt Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Schleswig Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">AURIGA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing GmbH &amp; Co. KG Immobilienverwaltung CURA, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing GmbH &amp; Co. KG Immobilienverwaltung Projekt Eberdingen, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing Immobilienverwaltungsgesellschaft mbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Beskydska brana s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Bratislavska 59 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Campus NWB RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Cepeline Holding GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Charis Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Chronos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Clio Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CP Linzerstra\u00dfe 221-227 Projektentwicklungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CP Logistikcenter Errichtungs- und Verwaltungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CP Projekte Muthgasse Entwicklungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.88pt\"></span></span><span class=\"ps29290\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Cranto Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CURO Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Cymo Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Dafne Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Darmera Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Dero Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Die Nieder\u00f6sterreichische Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Doplnkov\u00e1 d\u00f4chodkov\u00e1 spolo\u010dnos\u0165 Tatra banky, a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.08pt\"></span></span><span class=\"ps19667\">1.659.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2716\"></span><span class=\"ps2716\">78,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Doris Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">DORISCUS ENTERPRISES LTD., Limassol (CY)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.3pt\"></span></span><span class=\"ps13308\">19.843.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29337\"></span><span class=\"ps29337\">86,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Dota Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Eleos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Ephyra Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29354 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Epifron Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29355 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29356 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29357 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29358 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Erginos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29360 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29361 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29362 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29363 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Essox d.o.o., Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29364 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:51.58pt\"></span></span><span class=\"ps19941\">100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29366 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29367 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Eudore Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29369 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29370 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29371 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29372 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">EV II EuVECA GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29373 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.29pt\"></span></span><span class=\"ps17382\">70.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29376 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29375\"></span><span class=\"ps29375\">71,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29377 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">EV Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Expo Forest 1 EOOD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Extra Year Investments Limited, Tertholen (VG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">FARIO Handels- und Beteiligungsgesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.88pt\"></span></span><span class=\"ps29290\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Fidurock Residential a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.55pt\"></span></span><span class=\"ps22292\">2.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">FINGROUP SKOLSKA s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.2pt\"></span></span><span class=\"ps29227\">20.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">FIRA Properties a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.36pt\"></span></span><span class=\"ps29379\">1.800.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">First Leasing Service Center GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Fittonia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Fobos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Folos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Fortunella Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Frixos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Gabarts Beteiligungs GmbH &amp; Co KG in Liqu., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Gaia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Galene Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Golden Rainbow International Limited, Tertholen (VG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:58.08pt\"></span></span><span class=\"ps24430\">1<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps20436\">SGD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Grainulos s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:58.08pt\"></span></span><span class=\"ps24430\">1<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">H22 GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:55.44pt\"></span></span><span class=\"ps24215\">\u2014<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Harmonia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Hefaistos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Hestia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Holeckova Property s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.98pt\"></span></span><span class=\"ps16295\">210.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Humanitarian Fund ''Budimir Bosko Kostic'', Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.01pt\"></span></span><span class=\"ps18434\">30.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Hypnos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Ianira Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">IDUS Handels- und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.88pt\"></span></span><span class=\"ps29290\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">IGNIS Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Immoservice Polska Sp.z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Infrastruktur Heilbad Sauerbrunn GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ISIS Raiffeisen Immobilien Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kalypso Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Karpo Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kathrein &amp; Co Life Settlement Gesellschaft m.b.H. in Liqu, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kathrein &amp; Co. Trust Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kathrein Private Equity GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.8pt\"></span></span><span class=\"ps18514\">190.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Keto Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kleio Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00f6rlog Logistika \u00c9p\u00edt\u00f6 \u00e9s Kivitelez\u00f6 Korl\u00e1tolt Fele\u00f6ss\u00e9g\u00fc T\u00e1rsas\u00e1g, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:45.74pt\"></span></span><span class=\"ps29380\">11.077<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Krios Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Krizkovskeho 3 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">K-SPACE, spol. s r. o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kybele Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Lazne Dobra Voda s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">LENTIA Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Leto Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2044\"></span><span class=\"ps2044\">77,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liability Company \u201cRaiffeisen Leasing\u201d, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:27.48pt\"></span></span><span class=\"ps10583\">1.240.152.866<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liability Company FAIRO, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.93pt\"></span></span><span class=\"ps19567\">358.998.892<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liability Company REC GAMMA, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.3pt\"></span></span><span class=\"ps13308\">49.015.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liabilty Company RBRU Specialized Depositary, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.78pt\"></span></span><span class=\"ps13117\">100.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13255\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Luna Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">LYRA Raiffeisen Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">MAMONT GmbH, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.04pt\"></span></span><span class=\"ps23830\">66.872.100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Marissa Ypsilon, a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.23pt\"></span></span><span class=\"ps22828\">4.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Medea Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29354 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Melite Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29355 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29356 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29357 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">51,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29358 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Melpomene Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29360 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29361 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29362 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29363 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">MIRA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29364 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29366 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29367 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Mneme Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29369 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29370 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29371 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29372 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Morfeus Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29373 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29376 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29377 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7088 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">MORHUA Handels- und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29381 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29382 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29383 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29384 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29385 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Nefele Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29386 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29387 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29388 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29389 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Neocity 29, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">51,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Nereus Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Nerudova Property s.r.o., Hradec Kralove (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Neso Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Objekt Linser Areal Immobilienerrichtungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Orchideus Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">P20 Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.2pt\"></span></span><span class=\"ps29227\">20.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Panope Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">PARO Raiffeisen Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Pasithea Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Plutos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Pontos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Pro Invest da Vinci e.o.o.d., Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Propria Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Proteus Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Queens Garden Sp z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">R 320 Verwaltungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">R Lux Invest S.\u00e1 r.l, Luxemburg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">R.L.H. Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Radwinter sp.z o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.12pt\"></span></span><span class=\"ps18526\">30.300<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Advisory EOOD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.04pt\"></span></span><span class=\"ps8921\">700.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Apart GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Assistance D.O.O., Beograd, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.96pt\"></span></span><span class=\"ps17799\">4.307.115<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Assistance doo Sarajevo, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.13pt\"></span></span><span class=\"ps29390\">4.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Aut\u00f3 L\u00edzing Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Broker, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.75pt\"></span></span><span class=\"ps19686\">1.250.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps8144\">VV<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Burgenland Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.09pt\"></span></span><span class=\"ps29391\">38.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Capital a.d. Banja Luka, Banja Luka (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.1pt\"></span></span><span class=\"ps29392\">355.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen CIB sp. z o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.75pt\"></span></span><span class=\"ps19686\">2.105.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Conversational AI Lab s. r. o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.46pt\"></span></span><span class=\"ps28410\">75.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Digital Assets GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Direct Investments CZ, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RAIFFEISEN FUTURE AD, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:30.17pt\"></span></span><span class=\"ps7171\">143.200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Immobilien Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.42pt\"></span></span><span class=\"ps29393\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Insurance and Reinsurance Broker S.R.L, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.76pt\"></span></span><span class=\"ps8761\">180.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Insurance Broker Kosovo L.L.C., Pristina (XK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen International Invest Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Invest a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.61pt\"></span></span><span class=\"ps19768\">47.660.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Invest Fund Management Company JSC Sarajevo, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.54pt\"></span></span><span class=\"ps17459\">1.118.600<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen INVEST Sh.a., Tirana (AL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.12pt\"></span></span><span class=\"ps138\">90.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11476\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Investment Advisory GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Investment Financial Advisory Services Ltd. Co., Istanbul (TR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.78pt\"></span></span><span class=\"ps29394\">2.930.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3115\">TRY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing d.o.o., Ljubljana (SI)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.36pt\"></span></span><span class=\"ps1464\">3.738.107<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing-Projektfinanzierung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.21pt\"></span></span><span class=\"ps20130\">72.673<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Estate s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Management Bulgaria EOOD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.98pt\"></span></span><span class=\"ps21626\">80.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Management s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Real Estate Management Ltd., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Rent S.R.L, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.71pt\"></span></span><span class=\"ps16873\">27.857.820<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Tech GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Tech Kosovo LLC, Pristina (XK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.84pt\"></span></span><span class=\"ps29395\">1.750.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RAIFFEISEN TECH ROMANIA S.R.L., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.52pt\"></span></span><span class=\"ps29396\">4.950.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Windpark Zistersdorf GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Seeresidenz Weyregg GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Wohnbauleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29354 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Anlagen und KFZ Vermietungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29355 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29356 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29357 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29358 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Immobilienverwaltung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29360 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29361 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29362 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29363 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Wohnbauleasing \u00d6sterreich GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29364 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29366 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29367 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RAN elf Raiffeisen-Anlagenvermietung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29369 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29370 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29371 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29372 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RB Service Center Ltd., Ny\u00edregyh\u00e1za (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29373 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29376 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29377 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7088 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Kantinenbetriebs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29381 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29382 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29383 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29384 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29385 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI PE Handels- und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29386 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.85pt\"></span></span><span class=\"ps29397\">150.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29387 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29388 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29389 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Real Estate Services Czechia s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Real Estate Services Polska SP.z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.63pt\"></span></span><span class=\"ps29399\">400.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Retail Innovation GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Retail Innovation LLC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.28pt\"></span></span><span class=\"ps29400\">8.241.525<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBM Wohnbau Ges.m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RCR Ukraine LLC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.69pt\"></span></span><span class=\"ps29401\">282.699<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 1 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 3 s.r.o, Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 4 s.r.o, Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.72pt\"></span></span><span class=\"ps5284\">2.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 5 s.r.o, Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 6 s.r.o, Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.75pt\"></span></span><span class=\"ps7260\">3.700.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Management s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Real Estate Rent 4 DOO, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.02pt\"></span></span><span class=\"ps29402\">40.310<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Rent PO, s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.62pt\"></span></span><span class=\"ps26111\">6.639<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Residence Park Trebes, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.3pt\"></span></span><span class=\"ps19548\">20.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RIL XIII Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">R-Insurance Services sp. z o.o., Ruda O.S. (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RIRBRO ESTATE MANAGEMENT S.R.L., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:47.18pt\"></span></span><span class=\"ps21452\">1.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RK 60 Kft, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RL Leasing Gesellschaft m.b.H., Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.83pt\"></span></span><span class=\"ps29403\">25.565<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RL-Lamda s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.62pt\"></span></span><span class=\"ps26111\">6.639<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RL-Prom-Wald Sp. Z.o.o, Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RLRE Carina Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RLRE Ypsilon Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Robert K\u00e1roly K\u00f6r\u00fat Irodah\u00e1z Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Rolna 1 sp. z o.o., Breslau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:51.58pt\"></span></span><span class=\"ps19941\">100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RPM Budapest KFT, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RS 80 Projektentwicklungs GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:55.44pt\"></span></span><span class=\"ps24215\">\u2014<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RWA Raiffeisen-Immobilien-Leasing s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Sao Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SASSK Ltd., Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:30.96pt\"></span></span><span class=\"ps132\">152.322.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2716\"></span><span class=\"ps2716\">88,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Savity Verm\u00f6gensverwaltung GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Scantius Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SCT Karasz Ltd., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SCTE Els\u00f6 Ingatlanfejleszt\u00f6 \u00e9s Ingatlanhasznos\u00edt\u00f3 Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Senna Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Sky Solar Distribuce s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2044\"></span><span class=\"ps2044\">77,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SOLIDA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1897\"></span><span class=\"ps1897\">50,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SPILBERK SPV delta s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SPILBERK SPV gama s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">St. Marx-Immobilien Verwertungs- und Verwaltungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Stara 19 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Strasnicka realitni a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.52pt\"></span></span><span class=\"ps29396\">8.380.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Szentkiraly utca 18 Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.42pt\"></span></span><span class=\"ps29393\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra Asset Management SICAV a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra Leasing Broker, s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.62pt\"></span></span><span class=\"ps26111\">6.639<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra Residence, a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34pt\"></span></span><span class=\"ps8333\">21.420.423<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TEG 1 Immobilienentwicklungs GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Thallos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Thaumas Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Thoe Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.05pt\"></span></span><span class=\"ps17388\">45.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Uniola Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Consulting GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.02pt\"></span></span><span class=\"ps29404\">1.536.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Veletrzni 42 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Vindalo Properties Limited, Limassol (CY)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.73pt\"></span></span><span class=\"ps20193\">67.998<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13255\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29354 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Vivante Services 2 sp\u00f3\u0142ka z ograniczon\u0105 odpowiedzialno\u015bci\u0105, Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29355 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.19pt\"></span></span><span class=\"ps27438\">56.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29356 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29357 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29358 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Vlhka 26 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29360 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29361 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29362 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29363 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">VR I Verwaltungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29364 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29366 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29367 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">WI Inwestycje Selektywne sp\u00f3\u0142ka z ograniczon\u0105 odpowiedzialno\u015bci\u0105, Breslau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.69pt\"></span></span><span class=\"ps24346\">7.450<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29369 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29370 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29371 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29372 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">WI Lasy Polskie 4 sp. z o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29373 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.57pt\"></span></span><span class=\"ps11304\">27.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29376 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29377 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7088 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Xantoria Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29381 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29382 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29383 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29384 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29385 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Zahradnicka Property s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29386 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29387 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29388 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29389 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ZUNO GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss289\"><div><div class=\"ps3120 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Unternehmenskategorie: KI Kreditinstitut, FI Finanzinstitut, BH Anbieter von Nebendienstleistungen, FH Finanzholding, SU Sonstiges Unternehmen, VV Versicherung, WP Wertpapierunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps29405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Unternehmen, mit denen ein Beteiligungsverh\u00e4ltnis besteht<span id=\"iffd26f96ec5b4ac19a535d5efe43b793\"></span></span></div><div class=\"ps29434 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Accession Mezzanine Capital III L.P. (in liquidation), St. Helier (JE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:48.38pt\"></span></span><span class=\"ps29406\">1.501<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29407\"></span><span class=\"ps29407\">3,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Aedificium Banca pentru Locuinte S.A. - in Liquidation, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.88pt\"></span></span><span class=\"ps29408\">25.000.320<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Agricultural Open Joint Stock Company Illintsi Livestock Breeding Enterprise, Illinci (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.18pt\"></span></span><span class=\"ps8777\">703.100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29409\"></span><span class=\"ps29409\">4,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Agro.Club Inc., New York (US)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.83pt\"></span></span><span class=\"ps20421\">240<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27018\"></span><span class=\"ps27018\">8,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">AIL Swiss-Austria Leasing AG, Glattbrugg (CH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.42pt\"></span></span><span class=\"ps29393\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ALCS Association of Leasing Companies in Serbia, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.43pt\"></span></span><span class=\"ps17898\">853.710<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16886\"></span><span class=\"ps16886\">12,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Analytical Credit Rating Agency (Joint Stock Company), Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:24.74pt\"></span></span><span class=\"ps29410\">3.000.024.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13255\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps541\"></span><span class=\"ps541\">3,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">A-Trust GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.98pt\"></span></span><span class=\"ps19685\">5.290.013<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29411\"></span><span class=\"ps29411\">12,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austrian Growth Capital Fund SCSp, Senningerberg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.9pt\"></span></span><span class=\"ps27478\">132.919.213<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15640\"></span><span class=\"ps15640\">18,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austrian Reporting Services GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:45.45pt\"></span></span><span class=\"ps29412\">41.176<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1816\"></span><span class=\"ps1816\">13,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Autenti Sp. z o.o., Posen (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.9pt\"></span></span><span class=\"ps19680\">6.811.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29409\"></span><span class=\"ps29409\">7,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Bad Sauerbrunn Thermalwasser Nutzungs- und Verwertungs GmbH., Bad Sauerbrunn (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Bankovni identita, a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.55pt\"></span></span><span class=\"ps8324\">3.881.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1814\"></span><span class=\"ps1814\">11,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Biroul de Credit S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.59pt\"></span></span><span class=\"ps29413\">4.114.615<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29414\"></span><span class=\"ps29414\">13,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">BTS Holding a.s. \"v likvid\u00e1cii\", Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.57pt\"></span></span><span class=\"ps11304\">35.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Budapest Stock Exchange, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:31.13pt\"></span></span><span class=\"ps23475\">541.348.100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">byrd technologies GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.61pt\"></span></span><span class=\"ps18106\">172.069<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26204\"></span><span class=\"ps26204\">2,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Central Depository and Clearing Company, Inc., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.18pt\"></span></span><span class=\"ps17741\">12.545.623<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CIT ONE SA, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.71pt\"></span></span><span class=\"ps10962\">21.270.270<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CloudCart AD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.46pt\"></span></span><span class=\"ps28410\">78.430<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14953\"></span><span class=\"ps14953\">5,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Commodity Exchange Crimean Interbank Currency Exchange, Simferopol (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.93pt\"></span></span><span class=\"ps17891\">420.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2704\"></span><span class=\"ps2704\">4,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CONATUS Grundst\u00fcckvermietungs Gesellschaft m.b.H. in Liqu., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CULINA Grundst\u00fcckvermietungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">D. Trust Certifikacn\u00e1 Autorita, a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.25pt\"></span></span><span class=\"ps29417\">331.939<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29418\"></span><span class=\"ps29418\">10,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagensicherung AUSTRIA Ges.m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:55.44pt\"></span></span><span class=\"ps24215\">\u2014<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">1,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Elucidate GmbH, Berlin (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.95pt\"></span></span><span class=\"ps29419\">57.746<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29420\"></span><span class=\"ps29420\">5,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">EMERGING EUROPE GROWTH FUND II, L.P., Delaware (US)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.25pt\"></span></span><span class=\"ps29421\">370.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23117\"></span><span class=\"ps23117\">1,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ESQUILIN Grundst\u00fccksverwaltungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Euro Banking Association (ABE Clearing S.A.S.), Paris (FR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.96pt\"></span></span><span class=\"ps20167\">48.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26204\"></span><span class=\"ps26204\">2,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">European Investment Fund S.A., Luxemburg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:25.24pt\"></span></span><span class=\"ps29422\">7.370.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Export and Industry Bank Inc., Makati City (PH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:25.41pt\"></span></span><span class=\"ps26722\">4.734.452.540<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10753\">PHP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1927\"></span><span class=\"ps1927\">9,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">FORIS Grundst\u00fcckvermietungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">G + R Leasing Gesellschaft m.b.H. &amp; Co. KG., Graz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.21pt\"></span></span><span class=\"ps20130\">72.673<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Garantiqa Hitelgarancia ZRt., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:25.17pt\"></span></span><span class=\"ps21194\">7.839.600.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24350\"></span><span class=\"ps24350\">0,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Greenix Limited, Tertholen (VG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">HOBEX AG, Salzburg (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.28pt\"></span></span><span class=\"ps29423\">1.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27172\"></span><span class=\"ps27172\">8,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Hrvatski registar obveza po kreditima d.o.o., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.46pt\"></span></span><span class=\"ps7231\">1.791.758<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">10,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Joint Stock Company Stock Exchange PFTS, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.44pt\"></span></span><span class=\"ps12622\">32.010.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24350\"></span><span class=\"ps24350\">0,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kommunal-Infrastruktur &amp; Immobilien Zeltweg GmbH, Zeltweg (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15055\"></span><span class=\"ps15055\">20,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">LITUS Grundst\u00fcckvermietungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Lorit Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">42.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29424\"></span><span class=\"ps29424\">8,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">MASTERINVEST Kapitalanlage GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.72pt\"></span></span><span class=\"ps5284\">2.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29425\"></span><span class=\"ps29425\">37,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Medicur - Holding Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.63pt\"></span></span><span class=\"ps29426\">4.360.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Mit.Einander Wohnen Bisamberg Projekterrichtungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15055\"></span><span class=\"ps15055\">20,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Monilogi s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.02pt\"></span></span><span class=\"ps29427\">2.250.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29428\"></span><span class=\"ps29428\">28,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">National Settlement Depositary, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:27.17pt\"></span></span><span class=\"ps1526\">1.180.675.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13255\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">N\u00d6 Raiffeisen Kommunalprojekte Service Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29429\"></span><span class=\"ps29429\">26,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">N\u00d6 Raiffeisen-Leasing Gemeindeprojekte Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">1,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">N\u00d6-KL Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.38pt\"></span></span><span class=\"ps29430\">37.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Not a Hotel Venture Limited, Dublin (IE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.76pt\"></span></span><span class=\"ps28106\">6.476<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17608\"></span><span class=\"ps17608\">7,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Oberpinzg. Fremdenverkehrf\u00f6rderungs- und Bergbahnen AG, Neukirchen am Gro\u00dfvenediger (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.45pt\"></span></span><span class=\"ps11103\">3.297.530<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Open Joint Stock Company Kyiv Special Project and Design Bureau Menas, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.07pt\"></span></span><span class=\"ps25162\">3.383.218<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29409\"></span><span class=\"ps29409\">4,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Raiffeisen-Sicherungseinrichtung eGen, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.31pt\"></span></span><span class=\"ps29431\">121.200<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29420\"></span><span class=\"ps29420\">8,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Wertpapierdaten Service GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3235\"></span><span class=\"ps3235\">24,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Pisano Limited, London (GB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:47.14pt\"></span></span><span class=\"ps24900\">4.041<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29432\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29433\"></span><span class=\"ps29433\">17,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Private Joint Stock Company Bird Farm Bershadskyi, Viytivka (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.68pt\"></span></span><span class=\"ps25075\">6.691.141<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14953\"></span><span class=\"ps14953\">0,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Private Joint Stock Company First All-Ukrainian Credit Bureau, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.62pt\"></span></span><span class=\"ps17156\">11.750.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29436\"></span><span class=\"ps29436\">5,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Private Joint Stock Company Sumy Enterprise Agrotechservice, Sumy (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.6pt\"></span></span><span class=\"ps8113\">1.545.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">0,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Private Joint Stock Company Ukrainian Interbank Currency Exchange, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.23pt\"></span></span><span class=\"ps130\">36.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25058\"></span><span class=\"ps25058\">3,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">PSA Payment Services Austria GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.2pt\"></span></span><span class=\"ps29437\">285.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29411\"></span><span class=\"ps29411\">11,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Public Joint Stock Company National Depositary of Ukraine, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:30.19pt\"></span></span><span class=\"ps11964\">103.200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Public Joint Stock Company Settlement Center for Servicing of Contracts in Financial Markets, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.56pt\"></span></span><span class=\"ps12640\">206.700.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Qivalis B.V., Amsterdam (NL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.96pt\"></span></span><span class=\"ps20131\">11.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23117\"></span><span class=\"ps23117\">9,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">QUIRINAL Grundst\u00fccksverwaltungs Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.63pt\"></span></span><span class=\"ps29438\">37.063<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Continuum GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29439\"></span><span class=\"ps29439\">14,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Continuum GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.25pt\"></span></span><span class=\"ps12635\">22.700.543<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29440\"></span><span class=\"ps29440\">29,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Continuum Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3813\"></span><span class=\"ps3813\">47,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Digital GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.46pt\"></span></span><span class=\"ps28410\">75.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26204\"></span><span class=\"ps26204\">1,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen e-force GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.04pt\"></span></span><span class=\"ps26614\">145.346<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3007\"></span><span class=\"ps3007\">28,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Informatik Gesch\u00e4ftsf\u00fchrungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.29pt\"></span></span><span class=\"ps17382\">70.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23361\"></span><span class=\"ps23361\">47,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Kooperations eGen, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.37pt\"></span></span><span class=\"ps17948\">9.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29441\"></span><span class=\"ps29441\">11,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Landesbank K\u00e4rnten und Revisionsverband eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.08pt\"></span></span><span class=\"ps19667\">6.715.600<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Salzburg Leasing GmbH, Salzburg (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Software GmbH, Linz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.85pt\"></span></span><span class=\"ps29397\">150.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26204\"></span><span class=\"ps26204\">1,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Via Silva GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1897\"></span><span class=\"ps1897\">55,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1504\"><div><div class=\"ps1485 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RAIFFEISEN-HOLDING NIEDER\u00d6STERREICH-WIEN registrierte Genossenschaft mit beschr\u00e4nkter Haftung, <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Wien (AT)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.9pt\"></span></span><span class=\"ps8448\">96.391.536<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss633\"><div><div class=\"ps516 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss633\"><div><div class=\"ps516 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-IMPULS-Liegenschaftsverwaltung Gesellschaft m.b.H., Linz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29442 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.82pt\"></span></span><span class=\"ps15179\">500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29443 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13339\">ATS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21785 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29444 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Impuls-Zeta Immobilien GmbH, Linz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29445 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.48pt\"></span></span><span class=\"ps20697\">58.333<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29446 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21792 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2735\"></span><span class=\"ps2735\">40,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29447 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Landesbank Tirol AG, Rum (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29448 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.37pt\"></span></span><span class=\"ps13014\">90.850.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29449 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21799 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29450 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing BOT s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29451 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29452 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29453 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15055\"></span><span class=\"ps15055\">20,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29454 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5223 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Mobilien und KFZ GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29455 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29456 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29457 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">15,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29458 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Registry of Securities in FBH, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29460 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.13pt\"></span></span><span class=\"ps29459\">2.052.300<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29461 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29463 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29462\"></span><span class=\"ps29462\">1,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29464 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Rehazentrum Kitzb\u00fchel Immobilien-Leasing GmbH, Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29465 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29466 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29467 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29468 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">REMUS Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29469 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29470 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29471 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29472 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RLB Holding eGen O\u00d6, Linz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29473 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.33pt\"></span></span><span class=\"ps10129\">1.566.758<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29474 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29475 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29476 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6610 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RLKG Raiffeisen-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29477 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.88pt\"></span></span><span class=\"ps29290\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29478 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29479 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16886\"></span><span class=\"ps16886\">12,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29480 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25611 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RSAL Raiffeisen Steiermark Anlagenleasing GmbH, Graz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29481 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.09pt\"></span></span><span class=\"ps29391\">38.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29482 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29483 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29484 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9289 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RSC Raiffeisen Service Center GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29485 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.55pt\"></span></span><span class=\"ps22292\">2.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29486 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29487 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14968\"></span><span class=\"ps14968\">50,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29488 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6262 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RSIL Immobilienleasing Raiffeisen Steiermark GmbH, Graz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29489 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.09pt\"></span></span><span class=\"ps29391\">38.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29490 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29491 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29492 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">S.C. DEPOZITARUL CENTRAL S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29493 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.32pt\"></span></span><span class=\"ps17983\">25.291.953<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29494 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29495 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps671\"></span><span class=\"ps671\">2,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29496 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28951 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Sarajevo Stock Exchange, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29497 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.11pt\"></span></span><span class=\"ps11113\">1.967.680<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29498 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29499 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">10,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29500 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13987 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SELENE Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29501 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29502 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29503 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">1,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29504 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6295 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SESAMm, Metz (FR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29505 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.29pt\"></span></span><span class=\"ps10660\">200.055<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29506 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29507 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18536\"></span><span class=\"ps18536\">3,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29508 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28964 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SKR Lager 102 AB, Stockholm (SE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29509 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29510 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1466\">SEK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29512 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29511\"></span><span class=\"ps29511\">49,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29513 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28970 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Slovak Banking Credit Bureau, s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29514 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.64pt\"></span></span><span class=\"ps22141\">9.958<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29515 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29516 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29517 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28976 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Societatea de Transfer de Fonduri si Decontari-TRANSFOND S.A, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29518 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.06pt\"></span></span><span class=\"ps11463\">6.720.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29519 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29520 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29082\"></span><span class=\"ps29082\">3,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29521 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Society for Worldwide Interbank Financial Telekommunication scrl, La Hulpe (BE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29522 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:31.25pt\"></span></span><span class=\"ps14906\">629.671.620<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29523 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29525 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29524\"></span><span class=\"ps29524\">0,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29526 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SPRINT INTERMEDIATECO B.V., Hoofddorp (NL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29528 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:57.35pt\"></span></span><span class=\"ps29527\">2<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29529 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29530 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">0,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29531 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28989 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Steirische Gemeindegeb\u00e4ude Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29532 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29533 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29534 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29535 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5519 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Steirische Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29536 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29537 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29538 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29539 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Steirische Leasing f\u00fcr Gebietsk\u00f6rperschaften Ges.m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29540 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29541 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29542 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29543 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5258 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Steirische Leasing f\u00fcr \u00f6ffentliche Bauten Gesellschaft m.b.H. in Liqu., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29544 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29545 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29546 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29547 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7402 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SWO Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29548 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29549 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29550 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29551 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29011 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Syrena Immobilien Holding AG, Spittal an der Drau (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29552 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.22pt\"></span></span><span class=\"ps22553\">22.600.370<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29553 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29554 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5964\"></span><span class=\"ps5964\">21,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29555 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29016 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tarfin Limited, London (GB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29556 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.33pt\"></span></span><span class=\"ps15102\">16.297.958<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29557 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29432\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29558 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1814\"></span><span class=\"ps1814\">11,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29559 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6933 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">The Zagreb Stock Exchange joint stock company, Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29561 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.13pt\"></span></span><span class=\"ps29560\">6.152.631<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29562 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29563 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps671\"></span><span class=\"ps671\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29564 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6675 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TKL II. Grundverwertungsgesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29566 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.13pt\"></span></span><span class=\"ps29565\">39.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29567 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29568 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29424\"></span><span class=\"ps29424\">8,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29569 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29030 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TKL VI Grundverwertungsgesellschaft m.b.H., Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29570 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.13pt\"></span></span><span class=\"ps29565\">39.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29571 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29572 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29573 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29036 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TKL VII Grundverwertungsgesellschaft m.b.H., Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29574 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.13pt\"></span></span><span class=\"ps29565\">39.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29575 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29576 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29577 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29042 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TKL VIII Grundverwertungsgesellschaft m.b.H., Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29578 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.13pt\"></span></span><span class=\"ps29565\">39.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29579 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29580 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29581 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6691 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tojon Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29582 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.29pt\"></span></span><span class=\"ps17382\">70.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29583 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29584 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29585 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29053 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TRABITUS Grundst\u00fccksvermietungs Gesellschaft m.b.H. in Liqu., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29586 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29587 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29588 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29589 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29059 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">VALET-Grundst\u00fccksverwaltungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29590 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29591 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29592 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29593 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7152 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">vc trade GmbH, Frankfurt am Main (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29595 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.68pt\"></span></span><span class=\"ps29594\">41.278<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29596 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29597 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1244\"></span><span class=\"ps1244\">9,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29598 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8308 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">VERMREAL Liegenschaftserwerbs- und -betriebs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29599 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29600 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29601 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29433\"></span><span class=\"ps29433\">17,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29602 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8394 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">vestr AG, Zug (CH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29603 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.37pt\"></span></span><span class=\"ps18467\">235.310<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29604 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29605 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1927\"></span><span class=\"ps1927\">5,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29606 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Visa Inc., San Francisco (US)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.33pt\"></span></span><span class=\"ps18384\">192.981<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Wiener B\u00f6rse Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.22pt\"></span></span><span class=\"ps1486\">18.620.720<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25748\"></span><span class=\"ps25748\">7,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Zhytomyr Commodity Agroindustrial Exchange, Schytomyr (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.51pt\"></span></span><span class=\"ps26616\">476.515<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25058\"></span><span class=\"ps25058\">3,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Ziloti Holding S.A., Luxemburg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.31pt\"></span></span><span class=\"ps29607\">48.963<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">0,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Unternehmenskategorie: KI Kreditinstitut, FI Finanzinstitut, BH Anbieter von Nebendienstleistungen, FH Finanzholding, SU Sonstiges Unternehmen, VV Versicherung, WP Wertpapierunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-418": {
   "value": "<div class=\"ps19269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Konsolidierungskreis<span id=\"ia9c88a10fff441c28fa7658d5b52d39d\"></span></span></div><div class=\"ps19288 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1184\"><div><div class=\"ps264 ss1183\"><span class=\"f charStyle-1dbd4d87 ps19270\">Vollkonsolidierung<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand Beginn der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">192<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode erstmals einbezogen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode verschmolzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">In der Berichtsperiode ausgeschieden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19277\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand Ende der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19279\">170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sitz in \u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19280\">100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18454\">107<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sitz im Ausland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19281\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19282\">75<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Banken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19286\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Anbieter von Nebenleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Finanzholdings<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps808\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erstkonsolidierungen<span id=\"icd2cbbf5968f4b9382f58c5a03ce3704\"></span></span></div><div class=\"ps19297 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:268.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:84.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9572 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps12468\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19292 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps19291\">Inkludiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19293 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-1dbd4d87 ps30\">Grund<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen investicni spolecnost a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19294 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #929292;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19295 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19296 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entkonsolidierungen<span id=\"i63e787e7314845d9aff1fdac3bdb5b18\"></span></span></div><div class=\"ps19337 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:268.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:84.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9572 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps12468\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19292 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps19298\">Exkludiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19293 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-1dbd4d87 ps30\">Grund<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Aedificium Banca pentru Locuinte S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19294 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19295 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10693\">1.6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19296 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">in Liquidation<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">CUPIDO Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19299 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19300 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps12176\">1.5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19301 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">RL Grundst\u00fcckverwaltung Klagenfurt-S\u00fcd GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19302 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19303 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps12176\">1.5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19304 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">AGIOS Raiffeisen-Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19305 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9587\"></span><span class=\"ps9587\">51,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19306 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10693\">1.6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19307 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Verkauf<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">RIL XIV Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19308 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19310 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19311 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing-Projektfinanzierung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19312 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19313 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19314 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">SOLAR II Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19315 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0%<span style=\"display:inline-block;height:4.56pt;width:1.45pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19316 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19317 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19318 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19320 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19321 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH &amp; Co Projekt Lauterbach KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19322 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12739\"></span><span class=\"ps12739\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19323 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19324 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">LYRA Raiffeisen Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19325 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19326 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19319\">1.11.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19327 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Anbieter von Nebenleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Borna Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19328 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19329 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps19309\">1.8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19330 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Erfurt Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19331 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19332 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19333 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1186\"><div><div class=\"ps31 ss1185\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Schleswig Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19334 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12759\"></span><span class=\"ps12759\">75,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19335 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps17763\">1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19336 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps30\">Wesentlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen sowie Entkonsolidierungen belief sich im </span></div><div class=\"ps20767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsjahr auf minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20765\">6</span><span class=\"f charStyle-9eccfdcb ps20766\"> Millionen. Insgesamt wurden in der Berichtsperiode 13 Konzerneinheiten entkonsolidiert. </span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Tochterunternehmen<span id=\"i031f5b6de25c4a31aa02cbcd275bb80f\"></span></span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle wesentlichen Tochterunternehmen, bei denen die RBI AG direkt oder indirekt beherrschenden Einfluss aus\u00fcbt, werden </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollkonsolidiert. Der Konzern beherrscht ein Unternehmen, wenn er aus seiner Verbindung mit dem Unternehmen variablen </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckfl\u00fcssen ausgesetzt ist und die F\u00e4higkeit besitzt, diese R\u00fcckfl\u00fcsse mittels seiner Verf\u00fcgungsgewalt zu beeinflussen. Nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps23038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollkonsolidierte Anteile an Tochterunternehmen werden im Bilanzposten Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps28702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen ausgewiesen. </span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sind Stimmrechte ma\u00dfgeblich, beherrscht der Konzern ein Unternehmen, wenn er direkt oder indirekt mehr als 50 Prozent der </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stimmrechte an dem Unternehmen besitzt, ausgenommen es gibt Anzeichen, dass ein anderer Investor \u00fcber die praktische </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00f6glichkeit verf\u00fcgt, die relevanten T\u00e4tigkeiten einseitig zu bestimmen. Einer oder mehrere der folgenden Faktoren deuten auf </span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Anzeichen hin:</span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor besitzt aufgrund einer Vereinbarung mit dem Konzern die Beherrschungsm\u00f6glichkeit \u00fcber mehr </span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">als die H\u00e4lfte der Stimmrechte.</span></div><div class=\"ps28703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor besitzt aufgrund gesetzlicher Regelungen oder einer Vereinbarung die M\u00f6glichkeit zur </span></div><div class=\"ps28704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Beherrschung der Finanzpolitik und der gesch\u00e4ftlichen T\u00e4tigkeiten der Beteiligung.</span></div><div class=\"ps28705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor beherrscht die Beteiligung aufgrund seiner M\u00f6glichkeit zur Bestellung und Abberufung der <span class=\"f ps24\"> </span></span></div><div class=\"ps28706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Mehrheit der Vorstandsmitglieder oder der Mitglieder eines gleichwertigen Leitungsorgans.</span></div><div class=\"ps28707 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor beherrscht das Unternehmen aufgrund seiner M\u00f6glichkeit, \u00fcber die Mehrheit der abzugebenden </span></div><div class=\"ps28708 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Stimmrechte bei einer Sitzung des Vorstands oder eines gleichwertigen Leitungsorgans zu verf\u00fcgen.</span></div><div class=\"ps15370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Beurteilung der Beherrschung werden auch potenzielle Stimmrechte ber\u00fccksichtigt, soweit diese als substanziell </span></div><div class=\"ps28709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erachtet werden.</span></div><div class=\"ps28710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4hnlich beurteilt der Konzern das Vorliegen einer Beherrschung in F\u00e4llen, in denen er nicht die Mehrheit der Stimmrechte besitzt, </span></div><div class=\"ps21285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber die praktische M\u00f6glichkeit zur einseitigen Lenkung der relevanten T\u00e4tigkeiten hat. Dies kann der Fall sein, wenn der </span></div><div class=\"ps21286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern aufgrund der Gr\u00f6\u00dfe und Verteilung des Stimmrechtsbesitzes der Anteilseigner die M\u00f6glichkeit zur Beherrschung der </span></div><div class=\"ps21287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">relevanten T\u00e4tigkeiten besitzt. </span></div><div class=\"ps28711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso wie bei Tochterunternehmen ist die Konsolidierung von strukturierten Unternehmen erforderlich, wenn der Konzern das </span></div><div class=\"ps28712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen beherrscht. Strukturierte Unternehmen sind dadurch gekennzeichnet, dass die Stimmrechte oder vergleichbare </span></div><div class=\"ps28713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechte nicht der dominante Faktor bei der Festlegung der Beherrschung sind. Zur Bestimmung der Beherrschung \u00fcber solche </span></div><div class=\"ps28714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen pr\u00fcft der Konzern eine Reihe von Kontrollfaktoren welche anlassbezogen, mindestens jedoch quartalsweise, </span></div><div class=\"ps28716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberpr\u00fcft werden<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps28715\">.</span></div><div class=\"ps28717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen werden grunds\u00e4tzlich ab dem Tag in den Konsolidierungskreis einbezogen, an dem der Konzern direkt </span></div><div class=\"ps28718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder indirekt die Kontrolle erlangt, und scheiden ab dem Zeitpunkt, ab dem die Bank nicht l\u00e4nger beherrschenden Einfluss </span></div><div class=\"ps28719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus\u00fcbt, aus dem Konsolidierungskreis aus. Die Ergebnisse der im Lauf des Jahres erworbenen oder ver\u00e4u\u00dferten </span></div><div class=\"ps28720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen werden ab \u00dcbernahme der Beherrschung oder bis zum Wegfall der Beherrschung in der Konzern-</span></div><div class=\"ps28721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung erfasst. Bei der Erstkonsolidierung von bisher aufgrund der Unwesentlichkeit nicht einbezogenen beherrschten </span></div><div class=\"ps28722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen, werden die Wert\u00e4nderungen einzelner Verm\u00f6genswerte und Verpflichtungen zwischen dem Erwerbs- </span></div><div class=\"ps28723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. Gr\u00fcndungszeitpunkt und der erstmaligen Konsolidierung sowie in diesem Zeitraum erwirtschaftete Gewinne/Verluste des </span></div><div class=\"ps28724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betreffenden Tochterunternehmens direkt im Eigenkapital ber\u00fccksichtigt. Diese Anpassungen werden in den sonstigen </span></div><div class=\"ps28725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderungen ausgewiesen. Der Konzern \u00fcberpr\u00fcft zumindest zu jedem Quartalsabschluss die Angemessenheit zuvor </span></div><div class=\"ps28726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getroffener Konsolidierungsentscheidungen. Entsprechend werden etwaige organisatorische Ver\u00e4nderungen unmittelbar </span></div><div class=\"ps28727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt. Dazu geh\u00f6ren neben \u00c4nderungen der Eigentumsverh\u00e4ltnisse jegliche \u00c4nderungen von bestehenden oder mit </span></div><div class=\"ps28728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Einheit neu abgeschlossenen vertraglichen Verpflichtungen des Konzerns. </span></div><div class=\"ps28729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kapital nicht beherrschender Anteile wird in der Konzernbilanz als Bestandteil des Eigenkapitals, aber getrennt von den </span></div><div class=\"ps28730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktion\u00e4r:innen der RBI AG zurechenbaren Eigenkapital ausgewiesen. Das Ergebnis nicht beherrschender Anteile wird in der </span></div><div class=\"ps28731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung separat ausgewiesen.</span></div><div class=\"ps28732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Schuldenkonsolidierung werden konzerninterne Forderungen und Verbindlichkeiten miteinander aufgerechnet. </span></div><div class=\"ps28733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dabei verbleibende zeitliche Differenzen werden in der Konzernbilanz unter den Posten sonstige Aktiva bzw. sonstige Passiva </span></div><div class=\"ps28734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen.</span></div><div class=\"ps28735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerninterne Aufwendungen und Ertr\u00e4ge werden ebenfalls miteinander aufgerechnet, wobei tempor\u00e4re </span></div><div class=\"ps28736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnungsdifferenzen aus dem Bankgesch\u00e4ft teils im Zinsergebnis und teils im Handelsergebnis dargestellt werden. Andere </span></div><div class=\"ps28737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Differenzen werden in dem Posten sonstiges betriebliches Ergebnis erfasst.</span></div><div class=\"ps28738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwischengewinne werden dann eliminiert, wenn sie wesentlichen Einfluss auf die Posten der Erfolgsrechnung haben. Gesch\u00e4fte, </span></div><div class=\"ps28739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die zwischen den einzelnen Gesellschaften des Konzerns get\u00e4tigt werden, erfolgen grunds\u00e4tzlich zu Marktkonditionen.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00c4nderungen der Beteiligungsquote des Konzerns an bestehenden <span id=\"i201bea91f9664bcdb3c86474086ae8dc\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Tochterunternehmen</span></div><div class=\"ps15585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden im Zuge der Folgekonsolidierung bei bereits bestehender Beherrschung weitere Anteile erworben oder Anteile ohne </span></div><div class=\"ps15587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrollverlust ver\u00e4u\u00dfert, werden diese Vorg\u00e4nge erfolgsneutral als Eigenkapitaltransaktionen dargestellt. Die Buchwerte der </span></div><div class=\"ps15588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Konzern gehaltenen Anteile und der nicht beherrschenden Anteile werden so angepasst, dass sie die \u00c4nderungen der an </span></div><div class=\"ps15590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Tochterunternehmen bestehenden Anteilsquoten widerspiegeln. Jede Differenz zwischen dem Betrag, um den die nicht </span></div><div class=\"ps15591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beherrschenden Anteile angepasst werden, und dem beizulegenden Zeitwert der gezahlten oder erhaltenen Gegenleistung </span></div><div class=\"ps15592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird unmittelbar im Eigenkapital erfasst und den Gesellschaftern des Mutterunternehmens zugeordnet.</span></div><div class=\"ps28741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn die Gesellschaft die Beherrschung \u00fcber ein Tochterunternehmen verliert, wird der Entkonsolidierungsgewinn oder -verlust </span></div><div class=\"ps28742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgswirksam erfasst. Dieser wird ermittelt aus der Differenz zwischen</span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">dem Gesamtbetrag des beizulegenden Zeitwerts der erhaltenen Gegenleistung und dem beizulegenden Zeitwert der </span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zur\u00fcckbehaltenen Anteile </span></div><div class=\"ps28743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">und dem Buchwert der Verm\u00f6genswerte (einschlie\u00dflich des Gesch\u00e4fts- oder Firmenwerts), der Schulden des </span></div><div class=\"ps28744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Tochterunternehmens und aller nicht beherrschenden Anteile.</span></div><div class=\"ps28745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle im Zusammenhang mit diesem Tochterunternehmen im sonstigen Ergebnis ausgewiesenen Betr\u00e4ge werden so bilanziert, </span></div><div class=\"ps28746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wie dies bei einem Verkauf der Verm\u00f6genswerte erfolgen w\u00fcrde, d. h. es erfolgt eine Umgliederung in die Erfolgsrechnung oder </span></div><div class=\"ps28747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine direkte \u00dcbertragung in die Gewinnr\u00fccklagen.</span></div><div class=\"ps28786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Vollkonsolidierte Tochterunternehmen \u2013 RBI h\u00e4lt weniger als 50 Prozent der <span id=\"id4f6be6f07c842e3a48fda053c063b5b\"></span></span></div><div class=\"ps28787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stimmrechtsanteile</span></div><div class=\"ps27580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen, bei denen der Konzern weniger als die H\u00e4lfte der Stimmrechte h\u00e4lt, werden vollkonsolidiert, wenn die RBI </span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber die effektive Kontrolle nach den Kriterien von IFRS 10 verf\u00fcgt. Hierbei wird unter anderem \u00fcberpr\u00fcft, ob der Konzern </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schwankenden Renditen aus seinem Engagement in den Beteiligungsunternehmen ausgesetzt ist, bzw. Anrechte auf diese </span></div><div class=\"ps27258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besitzt und die F\u00e4higkeit hat, diese Renditen mittels seiner Verf\u00fcgungsgewalt \u00fcber das Beteiligungsunternehmen zu </span></div><div class=\"ps27581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen.</span></div><div class=\"ps26907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strukturierte Einheiten wurden so konzipiert, dass die Stimmrechte oder vergleichbare Rechte nicht der dominierende Faktor </span></div><div class=\"ps26908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind, wenn es darum geht, festzulegen, wer das Unternehmen beherrscht.</span></div><div class=\"ps28788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Konzern gibt es einige Leasingobjektgesellschaften in der Rechtsform einer GmbH &amp; Co KG, bei denen eine </span></div><div class=\"ps28789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerngesellschaft als Komplement\u00e4r fungiert. Durch die \u00dcbernahme der pers\u00f6nlichen Haftung wird die Variabilit\u00e4t der </span></div><div class=\"ps28790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rendite aus den strukturierten Unternehmen \u00fcbernommen. Diese Unternehmen sind in der Liste der vollkonsolidierten </span></div><div class=\"ps28791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Unternehmen enthalten. </span></div><div class=\"ps28792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nicht vollkonsolidierte Tochterunternehmen \u2013 RBI h\u00e4lt mehr als 50 Prozent der <span id=\"id51a397ad2a446cdab11d607dd8aa359\"></span></span></div><div class=\"ps28793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stimmrechtsanteile</span></div><div class=\"ps28794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund untergeordneter Bedeutung f\u00fcr die Verm\u00f6gens-, Finanz- und Ertragslage wurde auf die Einbeziehung von 247 </span></div><div class=\"ps28795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen (Vorjahr: 262) verzichtet. Die Bilanzsumme der nicht einbezogenen Unternehmen betr\u00e4gt insgesamt </span></div><div class=\"ps28796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weniger als 1 Prozent der Bilanzsumme des Konzerns.</span></div><div class=\"ps28797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liste der vollkonsolidierten verbundenen Unternehmen<span id=\"i52384dfbd50e470d950a7a8283fe35b0\"></span></span></div><div class=\"ps28856 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:270.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1498\"><div><div class=\"ps516 ss657\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11923 ss607\"><div><div class=\"ps1485 ss606\"><span class=\"f charStyle-3e64e966 ps7763\">Gezeichnetes </span></div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps28851\">Kapital</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3818 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps28853\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11924 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps9086\">Anteil</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28855 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps10412\">Typ</span><span class=\"f charStyle-cdbbedb5 ps28854\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">\"Raiffeisen-Rent\" Verm\u00f6gensberatung und Treuhand Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28798 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.36pt\"></span></span><span class=\"ps13477\">364.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28799 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28800 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Abura Immobilienleasing GmbH &amp; Co. Projekt Seniorenhaus Boppard KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28801 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28802 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28803 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28804 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Achat Immobilien GmbH &amp; Co. Projekt Hochtaunus-Stift KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28805 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28806 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28807 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1529\"></span><span class=\"ps1529\">1,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28808 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Acridin Immobilienleasing GmbH &amp; Co. Projekt Marienfeld KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28809 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28810 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28811 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28812 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Adagium Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28813 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28814 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28815 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28816 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Adamas Immobilienleasing GmbH &amp; Co. Projekt Pflegeheim Werdau KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28817 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28818 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28819 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28820 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Adorant Immobilienleasing GmbH &amp; Co. Projekt Heilsbronn und Neuendettelsau KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28821 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28822 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28823 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28824 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Ados Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28825 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28826 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28828 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Adrittura Immobilienleasing GmbH &amp; Co. Projekt Eiching KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28829 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28830 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28831 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Agamemnon Immobilienleasing GmbH &amp; Co. Projekt Pflegeheim Freiberg KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28832 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28833 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28834 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28835 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.78pt\"></span></span><span class=\"ps15051\">100.125.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28836 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28837 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6980\"></span><span class=\"ps6980\">92,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28838 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">AKRISIOS Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28839 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28840 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28841 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28842 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">AL Taunussteiner Grundst\u00fccks-GmbH &amp; Co KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28843 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.75pt\"></span></span><span class=\"ps9401\">9.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28844 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28845 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17575\"></span><span class=\"ps17575\">93,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28846 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">A-Leasing SpA, Tarvis (IT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28847 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.71pt\"></span></span><span class=\"ps11482\">68.410.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28848 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28849 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28850 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:270.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1498\"><div><div class=\"ps516 ss657\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11923 ss607\"><div><div class=\"ps1485 ss606\"><span class=\"f charStyle-3e64e966 ps7763\">Gezeichnetes </span></div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps28851\">Kapital</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3818 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps28853\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11924 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps9086\">Anteil</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28855 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps10412\">Typ</span><span class=\"f charStyle-cdbbedb5 ps28854\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1992 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Allg\u00e4u Reha Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28798 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28799 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28800 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">AMYKOS RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28801 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28802 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28803 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28804 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Anton Proksch Institut Kalksburg RBI Immobilien Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28805 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28806 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28807 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28808 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">AO Raiffeisenbank, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28809 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:1.7pt\"></span></span><span class=\"ps16287\">36.711.260.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28810 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps1452\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28811 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28812 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">ARCANA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28813 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28814 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28815 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28816 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">A-Real Estate S.p.A., Bozen (IT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28817 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.38pt\"></span></span><span class=\"ps13094\">390.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28818 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28819 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28820 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Hettstedt Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28821 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28822 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28823 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28824 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing Beteiligungsgesellschaft mbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28825 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.87pt\"></span></span><span class=\"ps12501\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28826 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28828 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28829 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.78pt\"></span></span><span class=\"ps28858\">1.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28830 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28831 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">B52 RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28832 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28833 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28834 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Bafep21 RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28835 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28836 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28837 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28838 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">BAILE Handels- und Beteiligungsgesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28839 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28840 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28841 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28842 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Baumgartner H\u00f6he RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28843 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28844 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28845 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28846 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Burgenl\u00e4ndische Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28847 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28848 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28849 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28850 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Campus ATZ + DOS RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28860 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28861 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28862 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Campus NBhf RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28863 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28864 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28866 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Canopa Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28867 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28868 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28869 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28870 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Centralised Raiffeisen International Services &amp; Payments S.R.L., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28872 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.43pt\"></span></span><span class=\"ps28871\">2.820.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28873 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28874 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28875 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">CERES Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28876 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28877 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28878 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28879 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">CINOVA RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28880 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28881 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28882 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28883 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">CP Inlandsimmobilien-Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28884 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.36pt\"></span></span><span class=\"ps13477\">364.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28885 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28886 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28887 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Elevator Ventures Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28888 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.18pt\"></span></span><span class=\"ps12869\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28889 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28890 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28891 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">ETEOKLES Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28892 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28893 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28894 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28895 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Expo 2000 Real Estate EOOD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28896 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28898 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps28897\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28899 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28900 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5220 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">FCC Office Building SRL, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28902 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.28pt\"></span></span><span class=\"ps28901\">30.298.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28903 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28904 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28905 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5223 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Floreasca City Center Verwaltung Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28906 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.36pt\"></span></span><span class=\"ps12946\">44.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28907 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28908 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28909 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">FMK Fachmarktcenter Kohlbruck Betriebs GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28910 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.1pt\"></span></span><span class=\"ps7003\">30.678<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28911 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28912 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13421\"></span><span class=\"ps13421\">94,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28913 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">FMZ PRIMUS Ingatlanfejleszt\u00f6 Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28915 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.24pt\"></span></span><span class=\"ps28914\">11.077<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28916 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28917 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28918 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">GENO Leasing Ges.m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28919 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28920 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28921 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28922 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">GTNMS RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28923 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28924 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28925 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28926 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6610 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">HABITO Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28927 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28928 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28929 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28930 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25611 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">INFRA MI 1 Immobilien Gesellschaft mbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28932 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.71pt\"></span></span><span class=\"ps28931\">72.673<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28933 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28934 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28935 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9289 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Infrastruktur Heilbad Sauerbrunn RBI-Leasing GmbH &amp; Co.KG., Bad Sauerbrunn (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28937 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:16.28pt\"></span></span><span class=\"ps28936\">3.511.188<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28938 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28939 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28940 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6262 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Invest Verm\u00f6gensverwaltungs-GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28942 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.9pt\"></span></span><span class=\"ps28941\">73.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28943 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28944 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28945 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7340 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Kathrein Privatbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28947 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.8pt\"></span></span><span class=\"ps28946\">20.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28948 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28949 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28950 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28951 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">KAURI Handels und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28952 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.57pt\"></span></span><span class=\"ps9104\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28953 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28954 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21187\"></span><span class=\"ps21187\">88,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28955 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13987 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">LARENTIA Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28956 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28957 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28958 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28959 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6295 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Lentia Immobilienleasing GmbH &amp; Co. Albert-Osswald-Haus KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28960 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:23.82pt\"></span></span><span class=\"ps13123\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28961 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28962 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28963 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28964 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liability Company RB-Digital, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28966 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.95pt\"></span></span><span class=\"ps28965\">1.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28967 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps1452\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28968 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28969 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28970 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">LLC Asset Management \u0421ompany Raiffeisen, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28972 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:7.02pt\"></span></span><span class=\"ps28971\">225.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28973 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps1452\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28974 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28975 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28976 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Neu-Marx Holding Eins GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28977 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28978 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28979 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28980 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6317 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Neu-Marx Holding Zwei GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28981 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28982 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28983 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28984 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Neu-Marx Immobilien Eins GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28985 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28986 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28987 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28988 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28989 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Neu-Marx Immobilien Zwei GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28990 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.43pt\"></span></span><span class=\"ps6308\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28991 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28992 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28993 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5519 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Objekt Linser Areal Immoblilienerrichtungs GmbH &amp; Co. KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28995 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:24.68pt\"></span></span><span class=\"ps28994\">1.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28996 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28997 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28998 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6341 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">OOO Raiffeisen-Leasing, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28999 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:4.3pt\"></span></span><span class=\"ps16292\">1.071.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29000 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps1452\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29001 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29002 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5258 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">OVIS Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29003 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29004 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29005 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29006 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7402 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">PELIAS Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29007 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29008 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29009 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29010 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">PERSES RBI Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29012 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29013 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29014 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29015 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29016 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">PLANA Raiffeisen-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29017 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29018 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29019 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29020 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6933 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">R Karpo Immobilien Linie S.R.L., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29021 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:28.35pt\"></span></span><span class=\"ps10496\">200<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29022 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29023 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29024 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6675 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">R.P.I. Handels- und Beteiligungsgesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29026 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29027 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29028 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29029 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29030 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank d.d. Bosna i Hercegovina, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29032 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.46pt\"></span></span><span class=\"ps29031\">247.167.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29033 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10743\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29034 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29035 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29036 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank JSC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29038 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:5.02pt\"></span></span><span class=\"ps29037\">6.154.516.258<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29039 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps3172\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29040 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18684\"></span><span class=\"ps18684\">68,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29041 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29042 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank Kosovo J.S.C., Pristina (XK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29044 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.73pt\"></span></span><span class=\"ps29043\">63.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29045 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29046 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29047 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6691 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29049 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:3.18pt\"></span></span><span class=\"ps29048\">1.200.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29050 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29051 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29052 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29053 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank Sh.a., Tirana (AL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29055 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:1.62pt\"></span></span><span class=\"ps29054\">14.178.593.030<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29056 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10605\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29057 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29058 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29059 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank Zrt., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29060 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"></span><span class=\"ps30\">50.000.090.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29061 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29062 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29063 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7152 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29064 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:1.35pt\"></span></span><span class=\"ps16327\">27.466.157.580<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29065 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29066 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29067 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8308 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bausparkasse Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29068 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.78pt\"></span></span><span class=\"ps10947\">35.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29069 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29070 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29071 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8394 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bausparkassen Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29072 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.53pt\"></span></span><span class=\"ps11430\">10.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29073 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29074 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29075 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:270.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1498\"><div><div class=\"ps516 ss657\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11923 ss607\"><div><div class=\"ps1485 ss606\"><span class=\"f charStyle-3e64e966 ps7763\">Gezeichnetes </span></div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps28851\">Kapital</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3818 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps28853\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11924 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps9086\">Anteil</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28855 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps10412\">Typ</span><span class=\"f charStyle-cdbbedb5 ps28854\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1992 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen CEE Region Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28798 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28799 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28800 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6299\">FH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Corporate Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28801 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28802 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28803 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28804 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Corporate L\u00edzing Zrt., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28805 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:11pt\"></span></span><span class=\"ps29076\">50.120.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28806 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28807 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28808 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Digital Bank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28809 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.49pt\"></span></span><span class=\"ps29077\">47.598.850<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28810 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28811 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28812 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Factor Bank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28813 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.53pt\"></span></span><span class=\"ps11430\">10.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28814 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28815 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28816 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen FinCorp, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28817 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.45pt\"></span></span><span class=\"ps12727\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28818 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28819 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28820 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Group IT GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28821 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.18pt\"></span></span><span class=\"ps12869\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28822 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28823 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13547\"></span><span class=\"ps13547\">99,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28824 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen International Liegenschaftsbesitz GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28825 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28826 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28828 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen investicni spolecnost a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28829 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.48pt\"></span></span><span class=\"ps2731\">40.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28830 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28831 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Investment Fund Management JSC, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28832 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:7.28pt\"></span></span><span class=\"ps24413\">100.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28833 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28834 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28835 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.7pt\"></span></span><span class=\"ps29078\">15.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28836 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28837 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28838 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing d.o.o., Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28839 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.12pt\"></span></span><span class=\"ps598\">405.021.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28840 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28841 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28842 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing d.o.o. Sarajevo, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28843 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.16pt\"></span></span><span class=\"ps29079\">11.450.452<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28844 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10743\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28845 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28846 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing IFN S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28847 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.12pt\"></span></span><span class=\"ps3813\">39.700.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28848 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28849 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13547\"></span><span class=\"ps13547\">99,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28850 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing Kosovo LLC, Pristina (XK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.19pt\"></span></span><span class=\"ps17301\">642.857<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28860 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28861 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28862 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing sh.a., Tirana (AL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28863 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.37pt\"></span></span><span class=\"ps614\">263.520.134<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28864 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10605\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28866 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Mandatory and Voluntary Pension Funds Management Company Plc., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28867 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:11.05pt\"></span></span><span class=\"ps11819\">19.038.463<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28868 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28869 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28870 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps26516\">VV<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen \u00d6HT Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28872 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28873 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28874 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21187\"></span><span class=\"ps21187\">88,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28875 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Pension Insurance d.d., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28876 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.05pt\"></span></span><span class=\"ps11221\">13.020.108<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28877 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28878 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28879 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps26516\">VV<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Holding International GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28880 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28881 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28882 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28883 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property International GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28884 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28885 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28886 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28887 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28888 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28889 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28890 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28891 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Rehazentrum Schruns Immobilienleasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28892 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28893 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28894 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13293\"></span><span class=\"ps13293\">51,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28895 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Rent DOO, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28896 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:8.14pt\"></span></span><span class=\"ps11003\">243.099.913<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28898 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28899 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28900 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5220 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen RS Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28902 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28903 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28904 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28905 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6299\">FH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5223 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen SEE Region Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28906 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28907 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28908 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28909 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6299\">FH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen stavebni sporitelna a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28910 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:6.54pt\"></span></span><span class=\"ps1837\">650.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28911 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28912 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28913 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Tirol GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28915 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28916 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28917 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28918 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Vienna GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28919 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28920 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28921 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28922 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Wien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28923 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28924 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28925 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28926 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6610 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Zwei GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28927 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28928 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28929 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28930 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25611 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Wohnbaubank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28932 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.95pt\"></span></span><span class=\"ps28965\">5.100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28933 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28934 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28935 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9289 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Anlagenvermietung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28937 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28938 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28939 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28940 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6262 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28942 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"></span><span class=\"ps30\">15.460.800.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28943 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28944 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28945 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7340 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank Austria d.d., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28947 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:7.07pt\"></span></span><span class=\"ps29080\">480.646.626<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28948 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28949 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28950 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28951 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Gemeindegeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28952 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28953 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28954 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28955 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13987 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28956 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28957 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28958 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28959 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6295 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Invest-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28960 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28961 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28962 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28963 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28964 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28966 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28967 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28968 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28969 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28970 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Beteiligung GesmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28972 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28973 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28974 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28975 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28976 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing d.o.o., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28977 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:14.27pt\"></span></span><span class=\"ps29081\">3.981.684<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28978 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28979 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28980 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6317 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Equipment Finance GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28981 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28982 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28983 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28984 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Finanzierungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28985 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.92pt\"></span></span><span class=\"ps29082\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28986 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28987 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28988 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28989 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Fuhrparkmanagement Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28990 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28991 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28992 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28993 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5519 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28995 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.7pt\"></span></span><span class=\"ps10102\">363.364<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28996 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28997 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28998 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6341 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Immobilienmanagement Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28999 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29000 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29001 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29002 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5258 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing International Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29003 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29004 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29005 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29006 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7402 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29007 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:6.4pt\"></span></span><span class=\"ps29083\">450.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29008 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29009 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29010 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Rent Immobilienprojektentwicklung Gesellschaft m.b.H. Objekt Wallgasse 12 KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29012 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.09pt\"></span></span><span class=\"ps11492\">4.886.449<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29013 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29014 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29015 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29016 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Rent-Immobilienprojektentwicklung Gesellschaft m.b.H., Objekt Lenaugasse 11 KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29017 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:14.54pt\"></span></span><span class=\"ps29084\">6.169.924<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29018 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29019 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29020 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6933 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RALT Raiffeisen-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29021 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.73pt\"></span></span><span class=\"ps10133\">218.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29022 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29023 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29024 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6675 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RALT Raiffeisen-Leasing Gesellschaft m.b.H. &amp; Co. KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29026 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.18pt\"></span></span><span class=\"ps29085\">20.348.394<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29027 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29028 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29029 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29030 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RAN vierzehn Raiffeisen-Anlagevermietung GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29032 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29033 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29034 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29035 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29036 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RAN zehn Raiffeisen-Anlagenvermietung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29038 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29039 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29040 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29041 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29042 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RB International Markets (USA) LLC, New York (US)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29044 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.83pt\"></span></span><span class=\"ps3119\">8.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29045 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12739\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29046 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29047 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6691 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RBI eins Leasing Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29049 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29050 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29051 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29052 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29053 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RBI ITS Leasing-Immobilien GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29055 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29056 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29057 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29058 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29059 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RBI LEA Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29060 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.79pt\"></span></span><span class=\"ps29086\">70.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29061 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29062 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29063 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7152 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29064 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.18pt\"></span></span><span class=\"ps12869\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29065 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29066 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29067 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8308 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">REC Alpha LLC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29068 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:4.65pt\"></span></span><span class=\"ps29087\">1.201.407.344<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29069 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps3172\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29070 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29071 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8394 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Regional Card Processing Center s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29072 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.82pt\"></span></span><span class=\"ps29088\">539.465<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29073 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29074 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29075 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:270.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1498\"><div><div class=\"ps516 ss657\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11923 ss607\"><div><div class=\"ps1485 ss606\"><span class=\"f charStyle-3e64e966 ps7763\">Gezeichnetes </span></div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps28851\">Kapital</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3818 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps28853\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11924 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps9086\">Anteil</span><span class=\"f charStyle-cdbbedb5 ps28852\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28855 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-3e64e966 ps10412\">Typ</span><span class=\"f charStyle-cdbbedb5 ps28854\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1992 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RIL VII Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28798 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28799 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28800 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RIRE Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28801 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28802 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28803 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28804 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL Anlagenvermietung Gesellschaft m.b.H., Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28805 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.57pt\"></span></span><span class=\"ps9104\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28806 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28807 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28808 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL LUX Holding S.a.r.l., Luxemburg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28809 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:21.9pt\"></span></span><span class=\"ps29090\">12.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28810 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28811 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28812 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL Retail Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28813 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.63pt\"></span></span><span class=\"ps12947\">36.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28814 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28815 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28816 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-ALPHA Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28817 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28818 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28819 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28820 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-M\u00f6rby AB, Stockholm (SE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28821 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.18pt\"></span></span><span class=\"ps12869\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28822 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10376\">SEK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28823 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28824 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-Nordic AB, Stockholm (SE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28825 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.67pt\"></span></span><span class=\"ps11386\">50.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28826 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10376\">SEK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28827 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28828 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-Pro Auxo Sp.z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28829 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.57pt\"></span></span><span class=\"ps9104\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6004\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28830 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28831 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-PROMITOR Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28832 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28833 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28834 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RL-PROMITOR Sp. z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28835 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.57pt\"></span></span><span class=\"ps9104\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28836 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6004\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28837 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28838 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RUBRA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28839 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28840 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28841 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28842 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RZB - BLS Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28843 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.32pt\"></span></span><span class=\"ps1435\">500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28844 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28845 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28846 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">RZB Versicherungsbeteiligung GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28847 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.32pt\"></span></span><span class=\"ps1435\">500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28848 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28849 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28850 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">S.A.I. Raiffeisen Asset Management S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28859 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.09pt\"></span></span><span class=\"ps29091\">33.004.533<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28860 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28861 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13547\"></span><span class=\"ps13547\">99,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28862 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">SALVELINUS Handels- und Beteiligungsgesellschaft m.b.H, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28863 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.38pt\"></span></span><span class=\"ps13088\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28864 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28865 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28866 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">SAMARA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28867 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28868 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28869 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28870 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">SINIS Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28872 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28873 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28874 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28875 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Sky Tower Immobilien- und Verwaltung Kft, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28876 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.36pt\"></span></span><span class=\"ps12946\">44.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28877 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps25529\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28878 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28879 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Skytower Building SRL, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28880 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:9.14pt\"></span></span><span class=\"ps3264\">126.661.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28881 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps13080\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28882 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28883 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra Asset Management, spr\u00e1v. spol., a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28884 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:14.58pt\"></span></span><span class=\"ps27197\">1.659.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28885 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28886 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3846\"></span><span class=\"ps3846\">78,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28887 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra banka, a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28888 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.81pt\"></span></span><span class=\"ps29092\">64.326.228<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28889 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28890 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3846\"></span><span class=\"ps3846\">78,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28891 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps27323\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra-Leasing, s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28892 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.82pt\"></span></span><span class=\"ps23580\">6.638.785<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28893 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28894 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3846\"></span><span class=\"ps3846\">78,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28895 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Ukrainian Processing Center PJSC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28896 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:18.26pt\"></span></span><span class=\"ps10105\">180.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28898 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps3172\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28899 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28900 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5220 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">URSA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28902 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28903 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28904 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28905 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5223 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Holding AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28906 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:12.92pt\"></span></span><span class=\"ps29082\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28907 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28908 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8733\"></span><span class=\"ps8733\">57,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28909 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Pension AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28910 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:10.83pt\"></span></span><span class=\"ps29093\">10.200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28911 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28912 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8733\"></span><span class=\"ps8733\">57,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28913 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Plus AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28915 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:13.09pt\"></span></span><span class=\"ps11492\">5.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28916 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28917 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8733\"></span><span class=\"ps8733\">57,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28918 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">Viktor Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28919 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.45pt\"></span></span><span class=\"ps12727\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28920 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7191\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28921 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23665\"></span><span class=\"ps23665\">75,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28922 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">W 3 Errichtungs- und Betriebs-GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28923 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:17.23pt\"></span></span><span class=\"ps5290\">800.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28924 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28925 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28926 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps262\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6610 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">WEGA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28927 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.61pt\"></span></span><span class=\"ps7124\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28928 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28929 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28930 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25611 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">WHIBK Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28932 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.68pt\"></span></span><span class=\"ps6297\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28933 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28934 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28935 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps11332\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9289 ss855\"><div><div class=\"ps31 ss657\"><span class=\"f charStyle-375ad3a6 ps30\">ZHS Office- &amp; Facilitymanagement GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28937 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:20.97pt\"></span></span><span class=\"ps29025\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28938 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps12764\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28939 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7203\"></span><span class=\"ps7203\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28940 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps18602\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6262 ss621\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Abz\u00fcglich eigener Aktien<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">2 Unternehmenskategorie: KI Kreditinstitut, FI Finanzinstitut, BH Anbieter von Nebendienstleistungen, FH Finanzholding, SU Sonstiges Unternehmen, VV Versicherung, WP Wertpapierunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sonstige verbundene Unternehmen<span class=\"f ps24\"> </span><span id=\"i6e34924ae7724ffe870c01861fa3d157\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">\"Am Hafen\" Sutterl\u00fcty GmbH &amp; Co, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abade Immobilienleasing GmbH &amp; Co Projekt Lauterbach KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abelin Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abrawiza Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abrawiza Immobilienleasing GmbH &amp; Co. Projekt Fernwald KG, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Abura Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ACB Ponava, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Achat Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Acridin Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adamas Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adorant Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adrett Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adrittura Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Adufe Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Agamemnon Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Aglaia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Aiolos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">AKCENTA DE GmbH, Hamburg (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Akcenta Digital s.r.o., Hradec Kralove (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.2pt\"></span></span><span class=\"ps29227\">20.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Ananke Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Angaga Handels- und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Antiopa Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Apate Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Appolon Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Borna Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Erfurt Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ASCENT Pflege Schleswig Immobilienleasing GmbH, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">AURIGA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing GmbH &amp; Co. KG Immobilienverwaltung CURA, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing GmbH &amp; Co. KG Immobilienverwaltung Projekt Eberdingen, Kriftel (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austria Leasing Immobilienverwaltungsgesellschaft mbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Beskydska brana s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Bratislavska 59 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Campus NWB RBI Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Cepeline Holding GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Charis Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Chronos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Clio Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CP Linzerstra\u00dfe 221-227 Projektentwicklungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CP Logistikcenter Errichtungs- und Verwaltungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CP Projekte Muthgasse Entwicklungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.88pt\"></span></span><span class=\"ps29290\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Cranto Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CURO Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Cymo Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Dafne Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Darmera Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Dero Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Die Nieder\u00f6sterreichische Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Doplnkov\u00e1 d\u00f4chodkov\u00e1 spolo\u010dnos\u0165 Tatra banky, a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.08pt\"></span></span><span class=\"ps19667\">1.659.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2716\"></span><span class=\"ps2716\">78,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Doris Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">DORISCUS ENTERPRISES LTD., Limassol (CY)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.3pt\"></span></span><span class=\"ps13308\">19.843.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29337\"></span><span class=\"ps29337\">86,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Dota Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Eleos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Ephyra Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29354 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Epifron Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29355 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29356 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29357 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29358 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Erginos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29360 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29361 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29362 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29363 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Essox d.o.o., Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29364 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:51.58pt\"></span></span><span class=\"ps19941\">100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29366 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29367 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Eudore Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29369 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29370 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29371 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29372 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">EV II EuVECA GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29373 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.29pt\"></span></span><span class=\"ps17382\">70.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29376 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29375\"></span><span class=\"ps29375\">71,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29377 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">EV Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Expo Forest 1 EOOD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Extra Year Investments Limited, Tertholen (VG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">FARIO Handels- und Beteiligungsgesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.88pt\"></span></span><span class=\"ps29290\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Fidurock Residential a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.55pt\"></span></span><span class=\"ps22292\">2.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">FINGROUP SKOLSKA s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.2pt\"></span></span><span class=\"ps29227\">20.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">FIRA Properties a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.36pt\"></span></span><span class=\"ps29379\">1.800.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">First Leasing Service Center GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Fittonia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Fobos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Folos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Fortunella Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Frixos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Gabarts Beteiligungs GmbH &amp; Co KG in Liqu., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Gaia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Galene Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Golden Rainbow International Limited, Tertholen (VG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:58.08pt\"></span></span><span class=\"ps24430\">1<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps20436\">SGD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Grainulos s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:58.08pt\"></span></span><span class=\"ps24430\">1<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">H22 GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:55.44pt\"></span></span><span class=\"ps24215\">\u2014<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Harmonia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Hefaistos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Hestia Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Holeckova Property s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.98pt\"></span></span><span class=\"ps16295\">210.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Humanitarian Fund ''Budimir Bosko Kostic'', Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.01pt\"></span></span><span class=\"ps18434\">30.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Hypnos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Ianira Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">IDUS Handels- und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.88pt\"></span></span><span class=\"ps29290\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">IGNIS Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Immoservice Polska Sp.z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Infrastruktur Heilbad Sauerbrunn GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ISIS Raiffeisen Immobilien Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kalypso Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Karpo Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kathrein &amp; Co Life Settlement Gesellschaft m.b.H. in Liqu, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kathrein &amp; Co. Trust Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kathrein Private Equity GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.8pt\"></span></span><span class=\"ps18514\">190.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Keto Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kleio Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00f6rlog Logistika \u00c9p\u00edt\u00f6 \u00e9s Kivitelez\u00f6 Korl\u00e1tolt Fele\u00f6ss\u00e9g\u00fc T\u00e1rsas\u00e1g, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:45.74pt\"></span></span><span class=\"ps29380\">11.077<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Krios Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Krizkovskeho 3 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">K-SPACE, spol. s r. o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kybele Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Lazne Dobra Voda s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">LENTIA Immobilienleasing GmbH, Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.37pt\"></span></span><span class=\"ps21597\">25.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Leto Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2044\"></span><span class=\"ps2044\">77,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liability Company \u201cRaiffeisen Leasing\u201d, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:27.48pt\"></span></span><span class=\"ps10583\">1.240.152.866<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liability Company FAIRO, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.93pt\"></span></span><span class=\"ps19567\">358.998.892<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liability Company REC GAMMA, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.3pt\"></span></span><span class=\"ps13308\">49.015.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liabilty Company RBRU Specialized Depositary, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.78pt\"></span></span><span class=\"ps13117\">100.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13255\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Luna Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">LYRA Raiffeisen Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">MAMONT GmbH, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.04pt\"></span></span><span class=\"ps23830\">66.872.100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Marissa Ypsilon, a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.23pt\"></span></span><span class=\"ps22828\">4.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Medea Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29354 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Melite Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29355 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29356 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29357 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">51,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29358 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Melpomene Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29360 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29361 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29362 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29363 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">MIRA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29364 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29366 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29367 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Mneme Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29369 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29370 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29371 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29372 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Morfeus Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29373 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29376 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29377 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7088 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">MORHUA Handels- und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29381 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29382 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29383 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29384 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29385 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Nefele Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29386 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29387 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29388 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29389 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Neocity 29, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">51,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Nereus Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Nerudova Property s.r.o., Hradec Kralove (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Neso Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Objekt Linser Areal Immobilienerrichtungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Orchideus Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">P20 Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.2pt\"></span></span><span class=\"ps29227\">20.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Panope Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">PARO Raiffeisen Immobilien Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Pasithea Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Plutos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Pontos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Pro Invest da Vinci e.o.o.d., Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Propria Raiffeisen-Immobilien-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Proteus Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Queens Garden Sp z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">R 320 Verwaltungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">R Lux Invest S.\u00e1 r.l, Luxemburg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">R.L.H. Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Radwinter sp.z o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.12pt\"></span></span><span class=\"ps18526\">30.300<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Advisory EOOD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.04pt\"></span></span><span class=\"ps8921\">700.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Apart GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Assistance D.O.O., Beograd, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.96pt\"></span></span><span class=\"ps17799\">4.307.115<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Assistance doo Sarajevo, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.13pt\"></span></span><span class=\"ps29390\">4.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Aut\u00f3 L\u00edzing Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Broker, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.75pt\"></span></span><span class=\"ps19686\">1.250.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps8144\">VV<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Burgenland Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.09pt\"></span></span><span class=\"ps29391\">38.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Capital a.d. Banja Luka, Banja Luka (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.1pt\"></span></span><span class=\"ps29392\">355.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen CIB sp. z o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.75pt\"></span></span><span class=\"ps19686\">2.105.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Conversational AI Lab s. r. o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.46pt\"></span></span><span class=\"ps28410\">75.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Digital Assets GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Direct Investments CZ, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RAIFFEISEN FUTURE AD, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:30.17pt\"></span></span><span class=\"ps7171\">143.200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Immobilien Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.42pt\"></span></span><span class=\"ps29393\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Insurance and Reinsurance Broker S.R.L, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.76pt\"></span></span><span class=\"ps8761\">180.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Insurance Broker Kosovo L.L.C., Pristina (XK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen International Invest Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Invest a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.61pt\"></span></span><span class=\"ps19768\">47.660.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Invest Fund Management Company JSC Sarajevo, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.54pt\"></span></span><span class=\"ps17459\">1.118.600<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen INVEST Sh.a., Tirana (AL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.12pt\"></span></span><span class=\"ps138\">90.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11476\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Investment Advisory GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Investment Financial Advisory Services Ltd. Co., Istanbul (TR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.78pt\"></span></span><span class=\"ps29394\">2.930.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3115\">TRY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing d.o.o., Ljubljana (SI)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.36pt\"></span></span><span class=\"ps1464\">3.738.107<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Leasing-Projektfinanzierung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.21pt\"></span></span><span class=\"ps20130\">72.673<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Estate s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Management Bulgaria EOOD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.98pt\"></span></span><span class=\"ps21626\">80.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Property Management s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Real Estate Management Ltd., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Rent S.R.L, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.71pt\"></span></span><span class=\"ps16873\">27.857.820<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Tech GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Tech Kosovo LLC, Pristina (XK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.84pt\"></span></span><span class=\"ps29395\">1.750.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RAIFFEISEN TECH ROMANIA S.R.L., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.52pt\"></span></span><span class=\"ps29396\">4.950.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Windpark Zistersdorf GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Seeresidenz Weyregg GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Wohnbauleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29354 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Anlagen und KFZ Vermietungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29355 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29356 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29357 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29358 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Immobilienverwaltung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29360 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29361 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29362 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29363 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Wohnbauleasing \u00d6sterreich GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29364 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29366 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29367 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RAN elf Raiffeisen-Anlagenvermietung Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29369 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29370 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29371 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29372 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RB Service Center Ltd., Ny\u00edregyh\u00e1za (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29373 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29376 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29377 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7088 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Kantinenbetriebs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29381 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29382 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29383 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29384 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29385 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI PE Handels- und Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29386 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.85pt\"></span></span><span class=\"ps29397\">150.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29387 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29388 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29389 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Real Estate Services Czechia s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Real Estate Services Polska SP.z.o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.63pt\"></span></span><span class=\"ps29399\">400.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Retail Innovation GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Retail Innovation LLC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.28pt\"></span></span><span class=\"ps29400\">8.241.525<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RBM Wohnbau Ges.m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RCR Ukraine LLC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.69pt\"></span></span><span class=\"ps29401\">282.699<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 1 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 3 s.r.o, Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 4 s.r.o, Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.72pt\"></span></span><span class=\"ps5284\">2.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 5 s.r.o, Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Czech 6 s.r.o, Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.75pt\"></span></span><span class=\"ps7260\">3.700.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RDI Management s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Real Estate Rent 4 DOO, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.02pt\"></span></span><span class=\"ps29402\">40.310<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Rent PO, s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.62pt\"></span></span><span class=\"ps26111\">6.639<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Residence Park Trebes, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.3pt\"></span></span><span class=\"ps19548\">20.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RIL XIII Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">R-Insurance Services sp. z o.o., Ruda O.S. (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RIRBRO ESTATE MANAGEMENT S.R.L., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:47.18pt\"></span></span><span class=\"ps21452\">1.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RK 60 Kft, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RL Leasing Gesellschaft m.b.H., Eschborn (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.83pt\"></span></span><span class=\"ps29403\">25.565<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RL-Lamda s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.62pt\"></span></span><span class=\"ps26111\">6.639<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RL-Prom-Wald Sp. Z.o.o, Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RLRE Carina Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RLRE Ypsilon Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Robert K\u00e1roly K\u00f6r\u00fat Irodah\u00e1z Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Rolna 1 sp. z o.o., Breslau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:51.58pt\"></span></span><span class=\"ps19941\">100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RPM Budapest KFT, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RS 80 Projektentwicklungs GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:55.44pt\"></span></span><span class=\"ps24215\">\u2014<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RWA Raiffeisen-Immobilien-Leasing s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Sao Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SASSK Ltd., Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:30.96pt\"></span></span><span class=\"ps132\">152.322.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2716\"></span><span class=\"ps2716\">88,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Savity Verm\u00f6gensverwaltung GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Scantius Holding GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SCT Karasz Ltd., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SCTE Els\u00f6 Ingatlanfejleszt\u00f6 \u00e9s Ingatlanhasznos\u00edt\u00f3 Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.36pt\"></span></span><span class=\"ps21660\">3.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Senna Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Sky Solar Distribuce s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2044\"></span><span class=\"ps2044\">77,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SOLIDA Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1897\"></span><span class=\"ps1897\">50,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SPILBERK SPV delta s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SPILBERK SPV gama s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">St. Marx-Immobilien Verwertungs- und Verwaltungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Stara 19 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Strasnicka realitni a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.52pt\"></span></span><span class=\"ps29396\">8.380.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Szentkiraly utca 18 Kft., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.42pt\"></span></span><span class=\"ps29393\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra Asset Management SICAV a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra Leasing Broker, s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.62pt\"></span></span><span class=\"ps26111\">6.639<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra Residence, a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34pt\"></span></span><span class=\"ps8333\">21.420.423<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TEG 1 Immobilienentwicklungs GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.93pt\"></span></span><span class=\"ps20746\">10.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Thallos Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Thaumas Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Thoe Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.05pt\"></span></span><span class=\"ps17388\">45.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Uniola Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Consulting GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.02pt\"></span></span><span class=\"ps29404\">1.536.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Veletrzni 42 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Vindalo Properties Limited, Limassol (CY)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.73pt\"></span></span><span class=\"ps20193\">67.998<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13255\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29354 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Vivante Services 2 sp\u00f3\u0142ka z ograniczon\u0105 odpowiedzialno\u015bci\u0105, Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29355 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.19pt\"></span></span><span class=\"ps27438\">56.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29356 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29357 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29358 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Vlhka 26 s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29360 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.95pt\"></span></span><span class=\"ps29205\">200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29361 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29362 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3275\"></span><span class=\"ps3275\">90,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29363 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">VR I Verwaltungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29364 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29366 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29367 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">WI Inwestycje Selektywne sp\u00f3\u0142ka z ograniczon\u0105 odpowiedzialno\u015bci\u0105, Breslau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.69pt\"></span></span><span class=\"ps24346\">7.450<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29369 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29370 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29371 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29372 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">WI Lasy Polskie 4 sp. z o.o., Warschau (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29373 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.57pt\"></span></span><span class=\"ps11304\">27.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29376 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29377 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7088 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Xantoria Property, s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29381 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29382 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29383 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29384 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29385 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Zahradnicka Property s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29386 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.32pt\"></span></span><span class=\"ps17454\">5.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29387 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29388 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29389 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ZUNO GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss289\"><div><div class=\"ps3120 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Unternehmenskategorie: KI Kreditinstitut, FI Finanzinstitut, BH Anbieter von Nebendienstleistungen, FH Finanzholding, SU Sonstiges Unternehmen, VV Versicherung, WP Wertpapierunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-420": {
   "value": "<div class=\"ps19797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zu den Auswirkungen auf die Modelle zur Berechnung der Wertminderungen gem\u00e4\u00df IFRS 9 wird auf Punkt </span></span><span class=\"f charStyle-26fbf26f ps19796\"><span style=\"background-color:inherit\">(31) Erwartete </span></span></div><div class=\"ps19799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditverluste</span></span><span class=\"f charStyle-26fbf26f ps19798\"><span style=\"background-color:inherit\"> verwiesen.</span></span></div><div class=\"ps19807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest f\u00fcr das Sachanlageverm\u00f6gen und immaterielle Verm\u00f6genswerte<span id=\"iaad67818e9a045fabadb1519c7ea40a7\"></span></span></div><div class=\"ps19808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund der kriegerischen Auseinandersetzung zwischen Russland und der Ukraine wurde in beiden L\u00e4ndern das </span></div><div class=\"ps19809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachanlageverm\u00f6gen und die immateriellen Verm\u00f6genswerte gem\u00e4\u00df IAS 36 auf Indikatoren \u00fcberpr\u00fcft, die zu einer </span></div><div class=\"ps19810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung f\u00fchren k\u00f6nnten.</span></div><div class=\"ps19811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Ukraine wurde jenes Sachanlageverm\u00f6gen, welches sich in den besetzten Gebieten befindet, bereits im Jahr 2022 auf null </span></div><div class=\"ps19812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschrieben. Alle anderen Sachanlageverm\u00f6genswerte werden einzeln begutachtet und wenn es zu Sch\u00e4digungen kommt, </span></div><div class=\"ps19813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wertberichtigt. Daraus ergaben sich im Gesch\u00e4ftsjahr 2025 Zuschreibungen von unter \u20ac 1 Million (Vorjahr: Zuschreibungen unter </span></div><div class=\"ps19814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 1 Million).</span></div><div class=\"ps19815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Durch ver\u00e4nderte Marktpreise, Zinss\u00e4tze, Mietpreise und leerstehende Immobilien aufgrund der aktuellen geopolitischen Lage </span></span></div><div class=\"ps19816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und einer detaillierteren Bewertung ergaben sich in Russland aus dem Werthaltigkeitstest f\u00fcr Sachanlagen Wertminderungen in </span></span></div><div class=\"ps19817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der H\u00f6he von rund \u20ac 1 Million (Vorjahr: Zuschreibungen \u20ac 8 Millionen). Aus dem Werthaltigkeitstest f\u00fcr immaterielle </span></span></div><div class=\"ps19818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Verm\u00f6genswerte ergaben sich in der Berichtsperiode Wertminderungen von \u20ac 3 Millionen (Vorjahr: Zuschreibungen unter \u20ac 1 </span></span></div><div class=\"ps19819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Million). </span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewinne/Verluste aus modifizierten Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Barwert\u00e4nderungen unwesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20736\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20214\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus der Ausbuchung aufgrund wesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen auf Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20737\">-50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen von nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20738\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen sowie Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20565\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr Umsatzsteuer - Zwischenbankbefreiung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde f\u00fcr kreditbezogene, portfolio-basierte Rechtsstreitigkeiten und Annullierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18452\">-302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20742\">-657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde aus Rechtsstreitigkeiten in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">-1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr einen Rechtsstreit in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20743\">-339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20744\">-840<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20745\">-1.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20746\">-1.590<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest f\u00fcr at-equity bewertete Unternehmen<span id=\"id015c211482443d29a0861a6a905e596\"></span></span></div><div class=\"ps22995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer Beteiligung h\u00f6her ist als ihr </span></div><div class=\"ps22996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die jedenfalls als Anzeichen f\u00fcr eine </span></div><div class=\"ps22997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein k\u00f6nnte, </span></div><div class=\"ps22998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. F\u00fcr den Werthaltigkeitstest wurden f\u00fcr die wesentlichen Einheiten </span></div><div class=\"ps15428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Annahmen getroffen.</span></div><div class=\"ps23008 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:171.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12527 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps22999\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7423 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps23000\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittelgenerierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23002 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23001\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23004 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23003\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6392\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12435 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps1492\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23006\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6319\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Diskontierungszinss\u00e4tze (nach Steuern)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12532 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22598 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20494\"></span><span class=\"ps20494\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19576\"></span><span class=\"ps19576\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12440 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12441 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20524\"></span><span class=\"ps20524\">8,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12442 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20537\"></span><span class=\"ps20537\">9,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Planungshorizont<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12540 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1907\"> 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22602 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12444 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12446 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12447 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1301\"><div><div class=\"ps16905 ss7\"><span class=\"f charStyle-2babd150 ps30\">LLI: Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT) - Durchschnittlicher Diskontierungszinssatz WACC<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss7\"><span class=\"f charStyle-2babd150 ps30\">OeKB: Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss7\"><span class=\"f charStyle-2babd150 ps30\">UNIQA: UNIQA Insurance Group AG, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Ergebnis wurde basierend auf den aktuellen Werthaltigkeitstests f\u00fcr den \u00fcberwiegenden Teil des Beteiligungsportfolios eine </span></div><div class=\"ps23010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertaufholung verzeichnet. Hierbei wirkte sich der fortschreitende Austausch niedrig verzinster Aktiva g\u00fcnstig auf die </span></div><div class=\"ps23011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragslage der Bankenbeteiligungen aus. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenfassung der wesentlichen Planungsannahmen und Beschreibung des Managementansatz zur Ermittlung der Werte:</span></div><div class=\"ps7104 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss509\"><div><div class=\"ps1485 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">generierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4802 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Kuze Beschreibung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4803 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche Annahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1824 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Managementansatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Leipnik-Lundenburger Invest <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungs AG (LLI)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4804 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">In den beiden Kernbereichen </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Vermahlung von Getreide und Verkauf </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(hei\u00dfe und kalte) Getr\u00e4nke und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Lebensmittel aus Automaten sind die </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">LLI-Unternehmen Marktf\u00fchrer in </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich sowie in einigen EU-L\u00e4ndern </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(Osteuropa und Deutschland).</span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Zus\u00e4tzlich zu den beiden Kernbereichen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erweisen sich die at-equity gehaltenen <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Beteiligungen als wesentliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertkomponenten.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4805 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planungsannahmen, welche vom </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Aufsichtsrat genehmigt wurden, </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">reflektieren die erwarteten </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rohstoffpreis- und <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostenentwicklungen, die sich auch in <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Absatzpreisen widerspiegeln.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4806 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planung beinhaltet Ma\u00dfnahmen zur </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Begegnung der aktuellen und </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erwarteten Marktentwicklungen. Diese </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">beinhalten neben Kosteneinsparungen </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und einer geeigneten Preisstrategie </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">weitere Spezialisierungen, die </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Optimierung mittels Digitalisierung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Entwicklung neuer Produkte.</span></div></div></div></td></tr><tr style=\"height:147pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiengesellschaft (OeKB)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23016 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die OeKB erf\u00fcllt zwei wesentliche </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Funktionen f\u00fcr die \u00f6sterreichische </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Exportindustrie und f\u00fcr den </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalmarkt. Als Export Credit Agency </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der Republik \u00d6sterreich stellt sie <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">staatlich garantierte Haftungen bereit </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und refinanziert exportbezogene </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Investitionen und Auslandsgesch\u00e4fte </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcber das Exportfinanzierungsverfahren. <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Dar\u00fcber hinaus unterst\u00fctzt die OeKB </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Kapitalmarkt durch spezialisierte </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertpapierdienstleitungen, die </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Abwicklung von Bundesanleihen-</span></div><div class=\"ps5465 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Auktionen sowie \u00fcber ihre <span class=\"f ps24\"> </span></span></div><div class=\"ps5466 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Tochtergesellschaften im Bereich </span></div><div class=\"ps15203 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Verwahrung und Clearing. Die </span></div><div class=\"ps23012 ss508\"><span class=\"f charStyle-6d404c82 ps30\">wesentlichen Beteiligungen sind die </span></div><div class=\"ps23013 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreichische Hotel- und Tourismus-</span></div><div class=\"ps23014 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bank (\u00d6HT) sowie die Oesterreichische </span></div><div class=\"ps23015 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entwicklungsbank (OeEB).</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23017 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Die Planungsannahmen ber\u00fccksichtigen <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">die Entwicklung des Volumens im </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Exportfinanzierungsverfahren und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">wurden im Bewertungsansatz </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">\u00fcbernommen. Sie zeigen \u00fcber die </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Folgejahre eine stabile Entwicklung des <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvolumens.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23018 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz reflektiert die </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aktuellen externen Rahmenbeding-</span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ungen. Das Zinsniveau sowie </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Nachholeffekte bei zuvor </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aufgeschobenen Investitionen aufgrund <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">des inflation\u00e4ren Umfelds der <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">vergangenen Jahre wurden in den </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Planungsannahmen ber\u00fccksichtigt. Die </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bestehenden Mandate der Republik </span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich bilden eine stabile Basis f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Gesch\u00e4ftst\u00e4tigkeit der OeKB, welche </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">durch die weiteren Services erg\u00e4nzt </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">werden.</span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6551 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG (UNIQA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23019 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die UNIQA Insurance Gruppe AG ist einer </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der f\u00fchrenden Versicherungskonzerne in <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ihren Kernm\u00e4rkten \u00d6sterreich und CEE. </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Sie ist in 14 L\u00e4ndern vor Ort und </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">serviciert mehr als 17 Millionen Kunden. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Marken UNIQA und Raiffeisen </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherung sind zwei starke </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherungsmarken in \u00d6sterreich und </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sind in den CEE-M\u00e4rkten gut <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">positioniert.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23020 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">UNIQA plant eine Weiterverfolgung der </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">gesetzten langfristigen </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rentabili\u00e4tsziele, trotz des steigenden </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostendrucks, durch die Setzung </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechender gegensteuernder </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Ma\u00dfnahmen. Zusammenfassend wird </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">trotz des volatilen Umfelds die </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der langfristigen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechend eine stabile langfristige </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Renditeentwicklung angenommen. </span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23021 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz wurde im </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wesentlichen als Bewertungsansatz </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcbernommen. Grundlage bildet die </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der gesetzten </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entsprechend wird die Sicherstellung <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">einer soliden Eigenkapitalverzinsung </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sowie der starken Solvenzsituation </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">zugrunde gelegt. Dies bildet die Basis <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">eines nachhaltigen Dividendenwachs-</span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">tums und stabiler Dividendenrendite. </span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ic2225d95a1cc40a29ec0cca3679f9794\"></span></span></div><div class=\"ps23024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um zu untersuchen, wie sich eine Ver\u00e4nderung der zur Bestimmung der Kapitalkosten wesentlichen Parameter auf den Wert </span></div><div class=\"ps23025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Eigenkapitals auswirkt, wurden diese Parameter im Zuge der durchgef\u00fchrten Sensitivit\u00e4tsanalyse variiert. So k\u00f6nnen </span></div><div class=\"ps23026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4nderungen in der Bewertung dieser Gesellschaften zu einer Anpassung des Buchwerts f\u00fchren. Im Falle eines Abw\u00e4rtsszenarios </span></div><div class=\"ps23027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg der Kapitalkosten um 50 Basispunkte) w\u00fcrde sich der Value in Use von Leipnik-Lundenburger Invest Beteiligungs AG, </span></div><div class=\"ps23028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Leasing Management GmbH, Prva stavebna sporitelna a.s., Oesterreichische Kontrollbank Aktiengesellschaft, </span></div><div class=\"ps23029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichische Hotel- und Tourismusbank GmbH und Posojilnica Bank eGen um weniger als 10 Prozent reduzieren, bei der </span></div><div class=\"ps23030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Informatik GmbH &amp; Co KG um rund 17 Prozent, und somit zu einer weiteren Buchwertabschreibung f\u00fchren. Von </span></div><div class=\"ps23031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Szenario nicht beeinflusst sind die UNIQA Insurance Group AG, Notartreuhandbank AG sowie die EMCOM Beteiligungs </span></div><div class=\"ps23032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">GmbH, hier w\u00fcrde ein weiterer Wertr\u00fcckgang zu keiner Buchwertabschreibung f\u00fchren, da der Value in Use noch immer \u00fcber </span></div><div class=\"ps23033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem anteiligen Eigenkapital liegen w\u00fcrde.</span></div><div class=\"ps23268 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23216\">Stand 31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">-1.929<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21506\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-243<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18434\">-502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20159\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19205\">484<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17886\">-688<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12533\">370<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20024\">-176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18459\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20180\">336<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23232\">-127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23235\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">-435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">378<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23242\">-2.476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23238\">-270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17518\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-1.987<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17390\">-256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">1.011<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10735\">-404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22116\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18456\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">-4.404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18444\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23267\">-513<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17450\">2.836<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23284 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps6234\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23273\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23274\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23275\">Wertminderungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23276\">Stand 31.12.2024</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20171\">-1.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4152\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23277\">470<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20161\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18731\">-169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23278\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23279\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20227\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18401\">-2.246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22193\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23280\">-1.788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3128\">-231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23281\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23282\">-4.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23283\">2.686<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitspr\u00fcfung des Firmenwerts<span id=\"iebe7bb4e90ee46d6a69a7c56f4bf2948\"></span></span></div><div class=\"ps23332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden an jedem Bilanzstichtag auf Basis zahlungsmittelgenerierender Einheiten (Cash Generating Units; </span></div><div class=\"ps23333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CGU) auf ihren k\u00fcnftigen wirtschaftlichen Nutzen \u00fcberpr\u00fcft. Eine zahlungsmittelgenerierende Einheit wird vom Management </span></div><div class=\"ps23334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und ist als die kleinste identifizierbare Gruppe von Verm\u00f6genswerten eines Unternehmens definiert, die permanente </span></div><div class=\"ps23335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsmittelzufl\u00fcsse aus der laufenden Nutzung hervorbringt. In der RBI werden alle Segmente gem\u00e4\u00df </span></div><div class=\"ps23336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Segmentberichterstattung als zahlungsmittelgenerierende Einheiten bestimmt. Innerhalb der Segmente bilden rechtlich </span></div><div class=\"ps23337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst\u00e4ndige Einheiten zum Zweck der Wertminderungspr\u00fcfung der Firmenwerte jeweils eine eigene CGU. Dabei wird der </span></div><div class=\"ps23338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der jeweiligen Einheit (einschlie\u00dflich eines zugeordneten Gesch\u00e4fts- oder Firmenwerts) mit dem aus ihr erzielbaren </span></div><div class=\"ps23339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag verglichen. Dieser ist grunds\u00e4tzlich als der h\u00f6here Betrag aus beizulegendem Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Nutzungswert (Value in Use) definiert. Der Nutzungswert basiert auf den erwarteten potenziellen Dividenden, die mit einem </span></div><div class=\"ps23341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoad\u00e4quaten Zinssatz diskontiert werden. Die Sch\u00e4tzung der zuk\u00fcnftigen Ergebnisse erfordert eine Beurteilung der </span></div><div class=\"ps23342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bisherigen sowie der zuk\u00fcnftigen Performance, letztere unter Beachtung der voraussichtlichen Entwicklung der relevanten </span></div><div class=\"ps23343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkte und des gesamtwirtschaftlichen Umfelds.</span></div><div class=\"ps23344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Impairment-Tests der Firmenwerte auf Basis der zahlungsmittelgenerierenden Einheiten beruhen auf einer vom jeweiligen </span></div><div class=\"ps23345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management erstellten und von den zust\u00e4ndigen Organen genehmigten Mehrjahresplanung. Darin wird die mittelfristige </span></div><div class=\"ps23346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsperspektive der CGU unter Ber\u00fccksichtigung der Gesch\u00e4ftsstrategie, der gesamtwirtschaftlichen Rahmenbedingungen </span></div><div class=\"ps23347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bruttoinlandsprodukt, Inflationserwartungen etc.) sowie der jeweiligen Marktverh\u00e4ltnisse abgebildet. Im Anschluss daran </span></div><div class=\"ps23348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt eine Verstetigung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. Die Diskontierung der </span></div><div class=\"ps23349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertungsrelevanten Ertr\u00e4ge, das sind die potenziellen Dividenden, erfolgt mit risikoadaptierten und l\u00e4nderspezifisch </span></div><div class=\"ps23350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Eigenkapitalkostens\u00e4tzen. Diese wurden in Anlehnung an das Capital-Asset-Pricing-Modell ermittelt. Die </span></div><div class=\"ps23351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen Zinssatzparameter (risikoloser Zinssatz, Inflationsdifferenz, Marktrisikopr\u00e4mie, l\u00e4nderspezifische Risiken und Beta-</span></div><div class=\"ps23352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren) wurden mithilfe externer Informationsquellen festgelegt. Der gesamte Planungshorizont wird in drei Phasen </span></div><div class=\"ps23353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgeteilt, wobei sich die Phase I auf den Planungszeitraum des Managements von drei Jahren erstreckt. In der Phase II, die </span></div><div class=\"ps23354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere zwei Jahre umfasst, wird die Detailplanung unter Beachtung von gesamtwirtschaftlichen Plandaten extrapoliert. In der </span></div><div class=\"ps23355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Phase III erfolgt die Verstetigung der Ertragserwartung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. </span></div><div class=\"ps23356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden Firmenwerte auch unterj\u00e4hrig auf Werthaltigkeit \u00fcberpr\u00fcft, falls ein Wertminderungsgrund vorliegt.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Wesentliche Annahmen<span id=\"if0d0927e068b4fb08d177c6cf136db5b\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:205.5pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps13479 ss1315\"><div><div class=\"ps31 ss1314\"><span class=\"f charStyle-1dbd4d87 ps21989\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1315\"><div><div class=\"ps31 ss1314\"><span class=\"f charStyle-1dbd4d87 ps23262\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittelgenerierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1925\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1920\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23358 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps584\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23359 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1925\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23360 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1920\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23362 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps23361\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Diskontierungszinss\u00e4tze (nach Steuern)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1081\"></span><span class=\"ps1081\">9,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23363 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8432\"></span><span class=\"ps8432\">14,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23364 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11053\"></span><span class=\"ps11053\">10,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1870\"></span><span class=\"ps1870\">10,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9711\"></span><span class=\"ps9711\">15,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23367 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23366\"></span><span class=\"ps23366\">11,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-375ad3a6 ps30\">Wachstumsraten in Phase I und II (5 Jahre) p.a.\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17540\"></span><span class=\"ps17540\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23368 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12461\"></span><span class=\"ps12461\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23370 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps23369\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23371 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23372 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps23369\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-375ad3a6 ps30\">Wachstumsraten in Phase III (ewige Rente) p.a.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23375 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23376 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23377 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1318\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 Die Wachstumsraten basieren auf der zuk\u00fcnftigen Entwicklung der Aussch\u00fcttungen bereinigt um unregelm\u00e4\u00dfige Aussch\u00fcttungen aufgrund des wirtschaftlichen Umfelds.<span class=\"f ps24\"> </span></span></div><div class=\"ps23378 ss700\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps23379 ss700\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps23380 ss700\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23393 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:123.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps30\">generierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23382 ss903\"><div><div class=\"ps516 ss902\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche Annahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss903\"><div><div class=\"ps516 ss902\"><span class=\"f charStyle-1dbd4d87 ps30\">Managementansatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss903\"><div><div class=\"ps516 ss902\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikoeinsch\u00e4tzung<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:68.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1320\"><div><div class=\"ps264 ss1236\"><span class=\"f charStyle-375ad3a6 ps30\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23384 ss1321\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">RKAG ist eine der f\u00fchrenden \u00f6sterreichischen </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalgesellschaften, ist seit Jahren <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">international t\u00e4tig und bekannter Akteur in </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">zahlreichen europ\u00e4ischen L\u00e4ndern. Es wird </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">von einer stabilen Entwicklung ausgegangen. <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Weiters werden h\u00f6here Margen besonders im </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">ESG-Umfeld erwartet. Die </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Verwaltungsaufwendungen bleiben stabil bis </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">auf leichte Erh\u00f6hungen im IT-Bereich.</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23385 ss1321\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Die Annahmen der Planung basieren auf <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">internen und auf externen Quellen. </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Makro\u00f6konomische Annahmen der Research-</span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Abteilung wurden mit Daten auf externen <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Quellen und dem F\u00fcnf-Jahres-Plan verglichen </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">und den Managern des Unternehmens </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">pr\u00e4sentiert. Die Planung wurde vom </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Aufsichtsrat genehmigt.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23386 ss1321\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Das Hauptrisiko der Ertr\u00e4ge liegt in der <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Entwicklung des Fondsvolumens, welches <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">wiederum vom Markt und dessen </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Entwicklung abh\u00e4ngt. Weitere </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Einflussfaktoren bestehen in k\u00fcnftigen </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Absatzkapazit\u00e4ten, der Asset Allokation der </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Kunden und der H\u00f6he der erzielbaren </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Margen.</span></div></div></div></td></tr><tr style=\"height:54pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6008 ss1322\"><div><div class=\"ps264 ss1236\"><span class=\"f charStyle-375ad3a6 ps30\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23387 ss1323\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Serbien ist eines der Fokusl\u00e4nder f\u00fcr die </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Gruppe. F\u00fcr 2026 wird ein Marktwachstum <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">von 6,9 Prozent in Corporate und 5,8 Prozent </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">in Retail erwartet. Die Margen sind aufgrund <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">der Zinserwartungen leicht r\u00fcckl\u00e4ufig </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">geplant, w\u00e4hrend die Gewinne stabil bleiben. </span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23388 ss1323\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Die Annahmen basieren sowohl auf internen <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">als auch auf externen Quellen. </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Makro\u00f6konomische Annahmen der Research-</span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Abteilung wurden mit dem Daten von <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">externen Quellen und dem F\u00fcnf-Jahres-Plan </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">verglichen, dem Vorstand pr\u00e4sentiert und </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">vom Aufsichtsrat genehmigt.</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23389 ss1323\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Die Referenzzinss\u00e4tze werden r\u00fcckl\u00e4ufig von </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">5,4 Prozent f\u00fcr 2026 auf 4,6 Prozent f\u00fcr 2027 </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">angenommen. Damit sinkt auch das <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Nettozinsergebnis zuk\u00fcnftig. Das </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Ergebnisrisiko betrifft haupts\u00e4chlich die Zins- </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">und Margenentwicklung des Portfolios. </span></div></div></div></td></tr><tr style=\"height:147pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps10865 ss1324\"><div><div class=\"ps264 ss1236\"><span class=\"f charStyle-375ad3a6 ps30\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23390 ss1325\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Der Markt f\u00fcr Zahlungsdienstleister (PSP) in </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Zentral- und Osteuropa ist aufgrund des <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">wachsenden E-Commerce, der steigenden <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Nachfrage nach digitalen Zahlungen und </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">staatlicher F\u00f6rderprogramme f\u00fcr bargeldlose </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Transaktionen deutlich gewachsen. </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Technologische Fortschritte wie mobile </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Zahlungen und digitale Geldb\u00f6rsen tragen </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">ebenfalls zu diesem Wachstum bei. Der Markt </span></div><div class=\"ps5397 ss902\"><span class=\"f charStyle-6d404c82 ps30\">wird zunehmend wettbewerbsintensiver, da </span></div><div class=\"ps5420 ss902\"><span class=\"f charStyle-6d404c82 ps30\">lokale und internationale PSP expandieren </span></div><div class=\"ps5421 ss902\"><span class=\"f charStyle-6d404c82 ps30\">und traditionelle Banken Geb\u00fchren und </span></div><div class=\"ps5422 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Devisenmargen senken, um </span></div><div class=\"ps5465 ss902\"><span class=\"f charStyle-6d404c82 ps30\">wettbewerbsf\u00e4hig zu bleiben. Vor diesem </span></div><div class=\"ps5466 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Hintergrund hat Akcenta ihre Strategie 2027 </span></div><div class=\"ps15203 ss902\"><span class=\"f charStyle-6d404c82 ps30\">ins Leben gerufen, die die digitale </span></div><div class=\"ps23012 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Transformation mit einem neuen IT-</span></div><div class=\"ps23013 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Kernsystem fortsetzt und sich auf schnellere, </span></div><div class=\"ps23014 ss902\"><span class=\"f charStyle-6d404c82 ps30\">transparentere und einfachere Services </span></div><div class=\"ps23015 ss902\"><span class=\"f charStyle-6d404c82 ps30\">konzentriert. </span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23391 ss1325\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Akcenta bietet wettbewerbsf\u00e4hige Kurse und </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">niedrigere Geb\u00fchren als traditionelle <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Finanzinstitute. Das Unternehmen <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">unterst\u00fctzt KMU dabei, von g\u00fcnstigen </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Wechselkursen zu profitieren und bietet </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Instrumente wie Terminkontrakte, Optionen </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">und Hedging zur Reduzierung von </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">W\u00e4hrungsrisiken. Akcenta begleitet KMUs </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">durch die komplexen Abl\u00e4ufe des </span></div><div class=\"ps5397 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Devisenhandels und erm\u00f6glicht ihnen ein </span></div><div class=\"ps5420 ss902\"><span class=\"f charStyle-6d404c82 ps30\">effektives internationales </span></div><div class=\"ps5421 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Transaktionsmanagement. Der Mehrwert </span></div><div class=\"ps5422 ss902\"><span class=\"f charStyle-6d404c82 ps30\">liegt in den kosteng\u00fcnstigen und </span></div><div class=\"ps5465 ss902\"><span class=\"f charStyle-6d404c82 ps30\">komfortablen Devisenl\u00f6sungen, die es KMUs <span class=\"f ps24\"> </span></span></div><div class=\"ps5466 ss902\"><span class=\"f charStyle-6d404c82 ps30\">erlauben, sich auf ihr Kerngesch\u00e4ft zu </span></div><div class=\"ps15203 ss902\"><span class=\"f charStyle-6d404c82 ps30\">konzentrieren. </span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23392 ss1325\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Aufgrund der soliden und nachhaltigen </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">finanziellen Performance mit der </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">einhergehenden Erzielung von Gewinnen, </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">verf\u00fcgt Akcenta \u00fcber eine solide finanzielle </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Basis, die die regulatorischen </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalanforderungen deutlich \u00fcbertrifft. </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Akcenta h\u00e4lt sich strikt an Compliance- und </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Regulierungsstandards um die Sicherheit und </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Integrit\u00e4t seiner Gesch\u00e4ftst\u00e4tigkeiten </span></div><div class=\"ps5397 ss902\"><span class=\"f charStyle-6d404c82 ps30\">sicherzustellen. Dies beinhaltet die <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Umsetzung von Ma\u00dfnahmen zur </span></div><div class=\"ps5421 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Verhinderung von Geldw\u00e4sche, Betrug und </span></div><div class=\"ps5422 ss902\"><span class=\"f charStyle-6d404c82 ps30\">anderen finanziellen Risiken.</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"2\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps6573 ss1326\"><div><div class=\"ps3120 ss719\"><span class=\"f charStyle-073efae3 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)</span></div><div class=\"ps21850 ss719\"><span class=\"f charStyle-073efae3 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)</span></div><div class=\"ps21851 ss719\"><span class=\"f charStyle-073efae3 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)</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></tbody></table></div></div></div><div class=\"ps23395 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4tsanalyse<span id=\"i0236d126ed5641feae1eb14fef4fac28\"></span></span></div><div class=\"ps23396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um die Stabilit\u00e4t der Ergebnisse der Werthaltigkeitspr\u00fcfung der Firmenwerte zu testen, wurde basierend auf den oben </span></div><div class=\"ps23397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angef\u00fchrten Pr\u00e4missen eine Sensitivit\u00e4tsanalyse vorgenommen. Aus mehreren M\u00f6glichkeiten wurden f\u00fcr diese Analyse die </span></div><div class=\"ps23398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenkapitalkosten als relevanter Parameter ausgew\u00e4hlt. Die nachstehend angef\u00fchrte \u00dcbersicht veranschaulicht, um welches </span></div><div class=\"ps23399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausma\u00df sich der Eigenkapitalkostensatz erh\u00f6hen k\u00f6nnte, ohne dass der Nutzungswert (Value in Use) der </span></div><div class=\"ps23400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zahlungsmittelgenerierenden Einheiten unter den jeweiligen Buchwert (Eigenkapital zuz\u00fcglich Firmenwert) absinkt. </span></div><div class=\"ps23410 ss0\"><div class=\"ss942 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps23401 ss1328\"><div><div class=\"ps31 ss1327\"><span class=\"f charStyle-1dbd4d87 ps21456\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps21289 ss1328\"><div><div class=\"ps31 ss1327\"><span class=\"f charStyle-1dbd4d87 ps23402\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1329\"><div><div class=\"ps31 ss653\"><span class=\"f charStyle-1dbd4d87 ps30\">Maximale Sensitivit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23403 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8667\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps6458\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23404 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5272\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21297 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps10376\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23405 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps6458\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps50 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5272\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1329\"><div><div class=\"ps31 ss653\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung des Diskontierungszinssatzes<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23406 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps9405\">22,2 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11927\">12,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23407 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18551\">0,99 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23408 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11454\">22,8 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23409 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps84\">7,1 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps63 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13116\">1,19 PP<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1330\"><div><div class=\"ps16905 ss942\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss942\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss942\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-421": {
   "value": "<div class=\"ps19800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeit der Sicherheiten in der Ukraine<span id=\"i09006ecd447a45af986f7d4f4f6f8e30\"></span></span></div><div class=\"ps19801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Immobilienmarkt ist weiterhin stark vom Krieg betroffen, passt sich aber gleichzeitig den neuen Realit\u00e4ten an. Im Westen <span class=\"f ps24\"> </span></span></div><div class=\"ps19802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Ukraine nimmt die Nachfrage nach Gesch\u00e4ften und Lagerimmobilien zu, was ebenfalls zu Preissteigerungen f\u00fchrt, jene </span></div><div class=\"ps19803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach B\u00fcroimmobilien nimmt jedoch ab. Die Preise auf dem prim\u00e4ren Wohnimmobilienmarkt sind im Jahr 2025 in fast allen <span class=\"f ps24\"> </span></span></div><div class=\"ps19804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regionen gestiegen. In den besetzten Gebieten werden die Sicherheiten als nicht anrechenbar eingestuft. In jenen Regionen, </span></div><div class=\"ps19805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welche einem hohem Risiko von Feindseligkeiten oder Besetzung ausgesetzt sind, wurden deutlich h\u00f6here Abschl\u00e4ge </span></div><div class=\"ps19806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt. F\u00fcr andere Gebiete der Ukraine finden laufend Vor-Ort-Besuche und Bewertungen statt.</span></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_823\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(32) Sicherheiten und maximales Kreditrisiko<span id=\"i2598c180048948dab50110cf23489bd8\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle enth\u00e4lt Angaben zum maximalen Obligo als Grundlage f\u00fcr die nachfolgenden Angaben zu Sicherheiten:</span></div><div class=\"ps25203 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:168.75pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:113.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1385\"><div><div class=\"ps31 ss1384\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps5880 ss855\"><div><div class=\"ps3137 ss657\"><span class=\"f charStyle-1dbd4d87 ps25169\">Maximales Kreditrisikovolumen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1386\"><div><div class=\"ps5427 ss1384\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss233\"><div><div class=\"ps25052 ss206\"><span class=\"f charStyle-1dbd4d87 ps11482\">Den Wertminderungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss206\"><span class=\"f charStyle-1dbd4d87 ps18551\">vorschriften nicht </span></div><div class=\"ps25054 ss206\"><span class=\"f charStyle-1dbd4d87 ps17744\">unterliegend</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss299\"><div><div class=\"ps5426 ss290\"><span class=\"f charStyle-1dbd4d87 ps1192\">Den Wertminderungs- <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss290\"><span class=\"f charStyle-1dbd4d87 ps3131\">vorschriften unterliegend</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25173 ss1388\"><div><div class=\"ps25052 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25170\">davon Kredite und Forderungen ohne <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25171\">Handelsabsicht sowie Kreditzusagen, </span></div><div class=\"ps25054 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25172\">Finanzgarantien und sonstige Zusagen</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1385\"><div><div class=\"ps31 ss1384\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25174 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25176 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25175\">157.739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25178 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-375ad3a6 ps25177\">119.563<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1390\"><div><div class=\"ps1485 ss1384\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1384\"><span class=\"f charStyle-375ad3a6 ps30\">Comprehensive Income\u00b9</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25179 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25181 ss938\"><div><div class=\"ps516 ss290\"><span class=\"f charStyle-375ad3a6 ps25180\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25183 ss1391\"><div><div class=\"ps516 ss1387\"><span class=\"f charStyle-375ad3a6 ps25182\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1390\"><div><div class=\"ps1485 ss1384\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1384\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25185 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps25184\">1.344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25187 ss938\"><div><div class=\"ps516 ss290\"><span class=\"f charStyle-375ad3a6 ps25186\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25189 ss1391\"><div><div class=\"ps516 ss1387\"><span class=\"f charStyle-375ad3a6 ps25188\">934<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1390\"><div><div class=\"ps1485 ss1384\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1384\"><span class=\"f charStyle-375ad3a6 ps30\">Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25191 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps25190\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25192 ss938\"><div><div class=\"ps516 ss290\"><span class=\"f charStyle-375ad3a6 ps25186\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25193 ss1391\"><div><div class=\"ps516 ss1387\"><span class=\"f charStyle-375ad3a6 ps25182\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1385\"><div><div class=\"ps31 ss1384\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21170 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps25194\">6.707<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps838 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25186\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25195 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-375ad3a6 ps25182\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1385\"><div><div class=\"ps31 ss1384\"><span class=\"f charStyle-1dbd4d87 ps30\">Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21220 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-1dbd4d87 ps24233\">8.259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps842 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-1dbd4d87 ps24457\">162.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25197 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25196\">120.497<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1385\"><div><div class=\"ps31 ss1384\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21229 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps846 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25198\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25200 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-375ad3a6 ps25199\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1385\"><div><div class=\"ps31 ss1384\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21255 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-1dbd4d87 ps24233\">8.259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps851 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-1dbd4d87 ps24197\">220.322<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25202 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25201\">178.804<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"4\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1360\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 Der Bruttobuchwert folgt der Definition nach FINREP in Annex V 1,34(b).<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25244 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:167.25pt\"></td><td style=\"padding:0;width:78pt\"></td><td style=\"padding:0;width:83.25pt\"></td><td style=\"padding:0;width:113.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps18534 ss1395\"><div><div class=\"ps3137 ss1394\"><span class=\"f charStyle-1dbd4d87 ps14023\">Maximales Kreditrisikovolumen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1396\"><div><div class=\"ps5427 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25205 ss1397\"><div><div class=\"ps25052 ss896\"><span class=\"f charStyle-1dbd4d87 ps1878\">Den Wertminderungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss896\"><span class=\"f charStyle-1dbd4d87 ps6022\">vorschriften nicht </span></div><div class=\"ps25054 ss896\"><span class=\"f charStyle-1dbd4d87 ps25204\">unterliegend</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25208 ss1398\"><div><div class=\"ps5426 ss516\"><span class=\"f charStyle-1dbd4d87 ps25206\">Den Wertminderungs- <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss516\"><span class=\"f charStyle-1dbd4d87 ps25207\">vorschriften unterliegend</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24867 ss1388\"><div><div class=\"ps25052 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25170\">davon Kredite und Forderungen ohne <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25171\">Handelsabsicht sowie Kreditzusagen, </span></div><div class=\"ps25054 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25172\">Finanzgarantien und sonstige Zusagen</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25210 ss1399\"><div><div class=\"ps31 ss896\"><span class=\"f charStyle-375ad3a6 ps25209\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25211 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps21527\">150.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25213 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-375ad3a6 ps25212\">119.676<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1401\"><div><div class=\"ps1485 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Comprehensive Income\u00b9</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25214 ss897\"><div><div class=\"ps516 ss896\"><span class=\"f charStyle-375ad3a6 ps25209\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25215 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-375ad3a6 ps22424\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25216 ss1391\"><div><div class=\"ps516 ss1387\"><span class=\"f charStyle-375ad3a6 ps25182\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1401\"><div><div class=\"ps1485 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25217 ss897\"><div><div class=\"ps516 ss896\"><span class=\"f charStyle-375ad3a6 ps24248\">1.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25219 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25221 ss1391\"><div><div class=\"ps516 ss1387\"><span class=\"f charStyle-375ad3a6 ps25220\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1401\"><div><div class=\"ps1485 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25223 ss897\"><div><div class=\"ps516 ss896\"><span class=\"f charStyle-375ad3a6 ps25222\">304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25224 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25225 ss1391\"><div><div class=\"ps516 ss1387\"><span class=\"f charStyle-375ad3a6 ps25182\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25227 ss1399\"><div><div class=\"ps31 ss896\"><span class=\"f charStyle-375ad3a6 ps25226\">5.492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25228 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25229 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-375ad3a6 ps25182\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25230 ss1399\"><div><div class=\"ps31 ss896\"><span class=\"f charStyle-1dbd4d87 ps21994\">6.885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25232 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps25231\">153.943<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25234 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25233\">120.365<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25235 ss1399\"><div><div class=\"ps31 ss896\"><span class=\"f charStyle-375ad3a6 ps25209\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25236 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps22421\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25238 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-375ad3a6 ps25237\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25239 ss1399\"><div><div class=\"ps31 ss896\"><span class=\"f charStyle-1dbd4d87 ps21994\">6.885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25241 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps25240\">206.388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25243 ss1389\"><div><div class=\"ps31 ss1387\"><span class=\"f charStyle-1dbd4d87 ps25242\">172.811<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"4\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Der Bruttobuchwert folgt der Definition nach FINREP in Annex V 1,34(b).<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um das Kreditrisiko zu mindern, wendet die RBI eine Reihe von Verfahren an, deren h\u00e4ufigstes die Hereinnahme von Sicherheiten <span class=\"f ps24\"> </span></span></div><div class=\"ps25246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Kreditgesch\u00e4ft ist. Beim Kreditvergabeprozess wird eine Bewertung der Sicherheiten vorgenommen, die dann in </span></div><div class=\"ps25247 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfigen Abst\u00e4nden mit verschiedenen Validierungsverfahren \u00fcberpr\u00fcft wird. Die wichtigsten Arten von Sicherheiten, die </span></div><div class=\"ps25248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Konzern akzeptiert werden, sind Wohn- und Gewerbeimmobilien, Finanzsicherheiten, Garantien und bewegliche G\u00fcter. </span></div><div class=\"ps25249 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insbesondere bei Gewerbe- und Wohnimmobilien wird bei der Bewertungs\u00fcberpr\u00fcfung und Neubewertung ein besonderes </span></div><div class=\"ps25250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Augenmerk auf die Anpassung der Bewertungsparameter auf das Marktumfeld und die erwartbare mittelfristige Entwicklung </span></div><div class=\"ps25251 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Weise gelegt, dass die Sicherheiten in einer vorsichtigen und nachhaltigen Weise bewertet sind. Langfristige </span></div><div class=\"ps25252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungen sind im Allgemeinen besichert, w\u00e4hrend revolvierende Kreditfazilit\u00e4ten \u00fcblicherweise nicht besichert sind. </span></div><div class=\"ps25253 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldtitel sind \u00fcberwiegend nicht besichert. Derivate k\u00f6nnen mit Barmitteln oder Aufrechnungsrahmenvereinbarungen </span></div><div class=\"ps25254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besichert sein. Sicherheiten aus dem Leasinggesch\u00e4ft betreffen vorwiegend den Wert des Leasingobjekts. Positionen, die unter </span></div><div class=\"ps25255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Zahlungsmitteln und Zahlungsmittel\u00e4quivalenten ausgewiesen sind, haben ein vernachl\u00e4ssigbares Kreditrisiko. Die </span></div><div class=\"ps25256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung von Sicherheiten erfolgt einheitlich auf Basis konzernweit angewendeter Richtlinien. Die Konzernrichtlinien f\u00fcr </span></div><div class=\"ps25257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Erlangung von Sicherheiten wurden w\u00e4hrend des Berichtszeitraums nicht wesentlich ver\u00e4ndert, werden aber j\u00e4hrlich </span></div><div class=\"ps2904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aktualisiert. </span></div><div class=\"ps25258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die in den Tabellen ausgewiesenen Sicherheiten sind jeweils auf den H\u00f6chstbetrag des Bruttobuchwerts des finanziellen </span></div><div class=\"ps25259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts begrenzt. Die nachstehenden Tabellen zeigen Kredite und Forderungen ohne Handelsabsicht sowie </span></div><div class=\"ps25260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzusagen, Finanzgarantien und sonstige Zusagen, die einer Wertminderung unterliegen:</span></div><div class=\"ps25282 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:237.75pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19388 ss1405\"><div><div class=\"ps12528 ss290\"><span class=\"f charStyle-1dbd4d87 ps19205\">Maximales <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss290\"><span class=\"f charStyle-1dbd4d87 ps12930\">Kreditrisikovolumen</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss891\"><div><div class=\"ps12528 ss184\"><span class=\"f charStyle-1dbd4d87 ps25261\">Fair Value der <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss184\"><span class=\"f charStyle-1dbd4d87 ps1572\">Sicherheiten</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps25262\">Obligo abz\u00fcglich Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps25263\">Value der Sicherheiten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25264\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25266 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps25265\">7.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25267\">580<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25268\">3.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25269 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps15111\">587<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25270\">3.331<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19416 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25271\">4.253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25272 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19481\">1.825<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21508\">2.428<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19757 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25273\">10.038<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25274 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps7346\">4.582<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20182\">5.456<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19763 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25275\">48.791<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25276 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17910\">22.134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20105\">26.657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19769 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25277\">45.066<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25278 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12565\">28.833<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25279\">16.232<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19774 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25198\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25280 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17591\">5.464<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20355\">52.843<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19780 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-1dbd4d87 ps19284\">178.804<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25281 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps19768\">71.276<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps19252\">107.528<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:237.75pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19388 ss1405\"><div><div class=\"ps12528 ss290\"><span class=\"f charStyle-1dbd4d87 ps19205\">Maximales <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss290\"><span class=\"f charStyle-1dbd4d87 ps12930\">Kreditrisikovolumen</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss891\"><div><div class=\"ps12528 ss184\"><span class=\"f charStyle-1dbd4d87 ps25261\">Fair Value der <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss184\"><span class=\"f charStyle-1dbd4d87 ps1572\">Sicherheiten</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps25262\">Obligo abz\u00fcglich Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps25263\">Value der Sicherheiten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19399 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25283\">13.784<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25266 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18104\">7.548<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24480\">6.236<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25284\">3.817<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25269 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps9395\">872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps22721\">2.945<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19416 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25285\">4.276<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25272 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps25286\">1.667<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20552\">2.608<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19757 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25287\">10.549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25274 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps25288\">4.860<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25289\">5.690<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19763 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25290\">46.900<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25276 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps42\">21.032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25291\">25.868<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19769 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps25292\">41.040<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25278 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps22816\">26.950<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20213\">14.090<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19774 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-375ad3a6 ps24893\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25280 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps22778\">5.468<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1210\">46.977<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1404\"><div><div class=\"ps31 ss1403\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19780 ss291\"><div><div class=\"ps31 ss290\"><span class=\"f charStyle-1dbd4d87 ps25293\">172.811<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25281 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps19309\">68.397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17154\">104.414<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25294 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mehr als die H\u00e4lfte der Sicherheiten, die von der RBI ber\u00fccksichtigt werden k\u00f6nnen, betreffen die Besicherung von Krediten </span></div><div class=\"ps25295 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch Immobilien, von denen mehr als 70 Prozent Wohnimmobilien sind. Zus\u00e4tzliche Sicherheiten stammen im Wesentlichen aus </span></div><div class=\"ps25296 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erhaltenen Garantien, welche unter anderem Reverse-Repo- und Wertpapierleihgesch\u00e4fte umfassen.</span></div><div class=\"ps25297 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Angaben zum maximalen Obligo aus finanziellen Verm\u00f6genswerten der Stage 3 und zu den entsprechenden Sicherheiten:</span></div><div class=\"ps25341 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:149.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:72pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1406\"><div><div class=\"ps21268 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22654 ss1407\"><div><div class=\"ps25298 ss1236\"><span class=\"f charStyle-1dbd4d87 ps11031\">Kreditrisikovolumen <span class=\"f ps24\"> </span></span></div><div class=\"ps20846 ss1236\"><span class=\"f charStyle-1dbd4d87 ps8928\">(Stage 3)</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4497 ss1407\"><div><div class=\"ps25298 ss1236\"><span class=\"f charStyle-1dbd4d87 ps13080\">Fair Value der <span class=\"f ps24\"> </span></span></div><div class=\"ps20846 ss1236\"><span class=\"f charStyle-1dbd4d87 ps16100\">Sicherheiten (Stage 3)</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10335 ss1408\"><div><div class=\"ps25298 ss1030\"><span class=\"f charStyle-1dbd4d87 ps11540\">Obligo abz\u00fcglich Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps20846 ss1030\"><span class=\"f charStyle-1dbd4d87 ps3274\">der Sicherheiten (Stage 3)</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11086 ss1409\"><div><div class=\"ps25298 ss359\"><span class=\"f charStyle-1dbd4d87 ps11547\">Wertminderung <span class=\"f ps24\"> </span></span></div><div class=\"ps20846 ss359\"><span class=\"f charStyle-1dbd4d87 ps18438\">(Stage 3)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25299 ss1406\"><div><div class=\"ps21268 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3782 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25300 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25301 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25303 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25302\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25304 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18367 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25305 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24459\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25306 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21940\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25308 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25307\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25309 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps21889\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18369 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25310 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25311 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25313 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25312\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25314 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23780\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18371 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25315 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24257\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25316 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25285\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25318 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25317\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25319 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps24452\">-32<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16097 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25320 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps780\">1.772<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25321 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21960\">712<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25322 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps21988\">1.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25323 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps21493\">-774<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6384 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25324 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20190\">1.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25326 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25325\">225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25328 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25327\">801<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25329 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps21946\">-612<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4592 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25331 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25330\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25332 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24421\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25334 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25333\">140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25336 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps25335\">-50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11822 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25337 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23448\">3.214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25338 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps1180\">1.090<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25339 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-1dbd4d87 ps25190\">2.123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25340 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps22230\">-1.474<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25377 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:149.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:72pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22654 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps11031\">Kreditrisikovolumen <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps8928\">(Stage 3)</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4497 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps13080\">Fair Value der <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps16100\">Sicherheiten (Stage 3)</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10335 ss1411\"><div><div class=\"ps12528 ss1030\"><span class=\"f charStyle-1dbd4d87 ps11540\">Obligo abz\u00fcglich Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1030\"><span class=\"f charStyle-1dbd4d87 ps3274\">der Sicherheiten (Stage 3)</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11086 ss1412\"><div><div class=\"ps12528 ss359\"><span class=\"f charStyle-1dbd4d87 ps11547\">Wertminderung <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss359\"><span class=\"f charStyle-1dbd4d87 ps18438\">(Stage 3)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25342 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25343 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19401 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25302\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25344 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25345 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21940\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25347 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25346\">155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25307\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25349 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps25348\">-7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25350 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25351 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19417 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25312\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25352 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23780\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25354 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25353\">290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25356 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25355\">125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19758 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25357\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25358 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps20739\">-119<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25360 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25359\">2.115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25362 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25361\">434<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19764 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25363\">1.681<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25365 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps25364\">-1.107<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22665 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20353\">1.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25367 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25366\">223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19771 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25368\">777<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11120 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps25369\">-615<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25370 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps25355\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25371 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24888\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19775 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-375ad3a6 ps25372\">203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25373 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps24430\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25374 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps22110\">3.784<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4521 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20207\">949<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19781 ss1410\"><div><div class=\"ps31 ss1030\"><span class=\"f charStyle-1dbd4d87 ps25375\">2.835<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25376 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps20235\">-1.904<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3487 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI h\u00e4lt in der Bilanz einen unwesentlichen Betrag an im Eigenbestand befindlichen Sicherheiten.</span></div><div class=\"ps25708 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(36) Als Sicherheit verpf\u00e4ndete und erheblich beschr\u00e4nkte Verm\u00f6genswerte<span id=\"i73ed5349e08f4956ba6f061035bb6945\"></span></span></div><div class=\"ps25709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern verpf\u00e4ndet Verm\u00f6genswerte haupts\u00e4chlich im Rahmen von R\u00fcckkaufvereinbarungen, Wertpapierleihgesch\u00e4ften </span></div><div class=\"ps25710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und sonstigen Kreditvertr\u00e4gen sowie f\u00fcr das Margining bei Derivatverbindlichkeiten. Die folgende Tabelle beinhaltet Aktiva aus </span></div><div class=\"ps25711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionsgesch\u00e4ften, Wertpapierleihgesch\u00e4ften und Verbriefungen sowie Pfandbriefe, die zur Besicherung von Verbindlichkeiten </span></div><div class=\"ps25712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Verf\u00fcgung gestellt wurden, oder Garantien (d. h. besicherte Depots):</span></div><div class=\"ps25731 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps22231\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps23742\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps11444\">Verpf\u00e4ndet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps25713\">Ansonsten mit <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps3304\">Verbindlichkeiten </span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps9355\">beschr\u00e4nkt</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps11444\">Verpf\u00e4ndet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps25713\">Ansonsten mit <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps3304\">Verbindlichkeiten </span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps9355\">beschr\u00e4nkt</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25714\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25715 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18460\">193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25716 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20161\">234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25718 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10726 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25719\">537<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10727 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10728 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20230\">330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9975 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25721 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25720\">20.501<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25702\">1.373<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22187\">18.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25725 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25724\">1.407<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6032 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25726 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17896\">21.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25727 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20250\">1.373<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25728 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17218\">19.332<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25730 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25729\">1.407<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die F\u00e4higkeit des Konzerns, frei auf Verm\u00f6genswerte zuzugreifen und diese an andere bzw. von anderen Konzerngesellschaften <span class=\"f ps24\"> </span></span></div><div class=\"ps25733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu \u00fcbertragen und Verbindlichkeiten zu begleichen, kann durch gesetzliche, vertragliche oder regulatorische Anforderungen </span></div><div class=\"ps25734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie Schutzrechte von nicht beherrschenden Beteiligungen eingeschr\u00e4nkt werden. Da nicht beherrschenden Beteiligungen </span></div><div class=\"ps25735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Konzern keine wesentlichen Schutzrechte zugestanden wurden, existierten zum Bilanzstichtag keine signifikanten <span class=\"f ps24\"> </span></span></div><div class=\"ps25736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beschr\u00e4nkungen.</span></div><div class=\"ps25737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgenden Produkte schr\u00e4nken den Konzern in der Nutzung seiner Verm\u00f6genswerte ein: R\u00fcckkaufvereinbarungen, </span></div><div class=\"ps25738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapierleih- und sonstige Kreditvertr\u00e4ge f\u00fcr das Margining bei Derivatverbindlichkeiten, Verbriefungen und diverse </span></div><div class=\"ps25739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Versicherungsgesch\u00e4fte. In der nachstehenden Tabelle sind alle Verm\u00f6genswerte angef\u00fchrt, die als Sicherheit dienen und somit </span></div><div class=\"ps25740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Verbindlichkeit gegen\u00fcberstehen. Sie k\u00f6nnen aus gesetzlichen oder sonstigen Gr\u00fcnden aufgrund der Zweckbindung nicht </span></div><div class=\"ps25741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Besicherung von Fremdmitteln eingesetzt werden.</span></div><div class=\"ps25742 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere und andere finanzielle Verm\u00f6genswerte, die als Sicherheit akzeptiert wurden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16744\">16.825<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17464\">19.664<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon verkaufte oder verpf\u00e4ndete Sicherheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21530\">4.458<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22148\">4.540<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern hat Sicherheiten erhalten, deren Verkauf oder Weiterverpf\u00e4ndung zul\u00e4ssig ist, wenn im Rahmen von Reverse-Repo- </span></div>Gesch\u00e4ften, Wertpapierleih-, Derivat- oder sonstigen Transaktionen kein Ausfall eintritt.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-422": {
   "value": "<div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Einteilung der Segmente<span id=\"ib044f129998b42498fad5b39b3fa0bd5_12826\"></span><span id=\"icac2826d9cbd45e1971600a5938f549a\"></span></span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Grundlagen der Segmentierung<span id=\"i1a3ba157df59446687849b21d33dd7d0\"></span></span></div><div class=\"ps19821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI erfolgt die interne Management-Berichterstattung grunds\u00e4tzlich auf Basis der bestehenden Organisationsstruktur. <span class=\"f ps24\"> </span></span></div><div class=\"ps19822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese ist matrixf\u00f6rmig aufgebaut, d. h. Vorst\u00e4nde sind sowohl f\u00fcr einzelne L\u00e4nder als auch f\u00fcr bestimmte Gesch\u00e4ftsfelder </span></div><div class=\"ps19823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verantwortlich. Steuerungseinheit (Cash Generating Unit) im Konzern ist ein Land. Die Darstellung der L\u00e4nder umfasst die <span class=\"f ps24\"> </span></span></div><div class=\"ps19824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">operativen Einheiten der RBI in den jeweiligen L\u00e4ndern (neben den Tochterbanken z. B. auch Leasingunternehmen). Die obersten <span class=\"f ps24\"> </span></span></div><div class=\"ps19825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungsgremien der RBI \u2013 Vorstand und Aufsichtsrat \u2013 treffen demnach wesentliche Entscheidungen \u00fcber die Allokation </span></div><div class=\"ps19826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Ressourcen zu einem Segment auf Basis der jeweiligen Finanz- und Ertragskraft, weshalb diese Berichtskriterien als </span></div><div class=\"ps19827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlich beurteilt wurden. Entsprechend sind auch die Segmente nach IFRS 8 abgebildet. F\u00fcr die Zuteilung der L\u00e4nder zu den </span></div><div class=\"ps19828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen berichtspflichtigen Segmenten werden neben wirtschaftlichen langfristigen Gemeinsamkeiten wie zum Beispiel </span></div><div class=\"ps19829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenkapitalrisikopr\u00e4mien, potenzielles Marktwachstum und Nettozinsmargen, auch das erwartete Risiko und Ertragsniveau bei </span></div><div class=\"ps19830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Ressourcenallokation ber\u00fccksichtigt. Gem\u00e4\u00df IFRS 8.12 ist es weiters erforderlich, dass die folgenden wirtschaftlichen </span></div><div class=\"ps19831 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Merkmale bei der Zusammensetzung der berichtspflichtigen Segmente ber\u00fccksichtigt werden. Die L\u00e4nder werden zu einem </span></div><div class=\"ps19832 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berichtspflichtigen Segment zusammengefasst, wenn die angebotenen Produkte und Dienstleistungen gleich sind. Neben den </span></div><div class=\"ps19833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einheitlichen Produktionsprozessen und Vertriebswegen sind auch die Zielgruppen wie institutionelle Kunden, Firmen- und </span></div><div class=\"ps19834 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Privatkunden in den jeweiligen einzelnen Segmenten gleichartig. Die Bankenregulierungen werden in den einzelnen L\u00e4ndern </span></div><div class=\"ps19835 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haupts\u00e4chlich von Zentralbanken \u00fcberwacht. In allen L\u00e4ndern ist die Zentralbank f\u00fcr die Formulierung und Umsetzung der </span></div><div class=\"ps19836 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldpolitik, die Aufrechterhaltung der Finanzstabilit\u00e4t sowie die Regulierung des Bankensektors verantwortlich. Die </span></div><div class=\"ps19837 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcberleitungsrechnung enth\u00e4lt im Wesentlichen Betr\u00e4ge aus der Eliminierung von Zwischenergebnissen und aus </span></div><div class=\"ps19838 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">segment\u00fcbergreifenden Konsolidierungen.</span></div><div class=\"ps19839 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Sinn gr\u00f6\u00dftm\u00f6glicher Transparenz und im Interesse einer \u00fcbersichtlicheren Berichterstattung wurden unter Ber\u00fccksichtigung </span></div><div class=\"ps19840 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der im IFRS 8 geforderten Schwellenwerte Segmente definiert. Die Schwellenwerte liegen bei jeweils 10 Prozent der Kenngr\u00f6\u00dfen </span></div><div class=\"ps19841 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betriebsertr\u00e4ge, Ergebnis nach Steuern und Segmentverm\u00f6gen. </span></div><div class=\"ps19842 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Zentraleuropa<span id=\"i78d6f4b1b9c541799aa9f65306bffd8d\"></span></span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses Segment umfasst mit den EU-L\u00e4ndern Polen, Slowakei, Tschechien und Ungarn die am weitesten entwickelten </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bankenm\u00e4rkte in Zentral- und Osteuropa. In der Slowakei ist die RBI in den Gesch\u00e4ftsbereichen Firmen- und Retail-Kund:innen, </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasing, Verm\u00f6gensverwaltung und Bausparkassengesch\u00e4ft t\u00e4tig, bei den Retail-Kund:innen setzt die Tatra banka dabei auf </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Mehrmarkenstrategie. In Tschechien betreibt die RBI neben dem klassischen Bankgesch\u00e4ft mit Firmen- und Retail-</span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kund:innen auch das Immobilienleasing- und das Bausparkassengesch\u00e4ft. In Ungarn betreut der Konzern sowohl Privat- als </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch Firmenkunden. Der Schwerpunkt liegt auf dem Firmenkunden und dem gehobenen Privatkundensegment. In Polen ist die </span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI mit einem Abbau-Portfolio an Retail-Fremdw\u00e4hrungshypothekarkrediten pr\u00e4sent.</span></div><div class=\"ps19844 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">S\u00fcdosteuropa<span id=\"iba960cd247174baaa1501a49842ee4f2\"></span></span></div><div class=\"ps19845 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum Segment S\u00fcdosteuropa z\u00e4hlen Albanien, Bosnien und Herzegowina, Kosovo, Kroatien, Rum\u00e4nien und Serbien. In diesen </span></div><div class=\"ps19846 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkten ist die RBI mit Banken und Leasinggesellschaften sowie in einigen L\u00e4ndern durch eigene Kapitalanlage- und </span></div><div class=\"ps19847 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6gensverwaltungsgesellschaften sowie Pensionsfonds vertreten. In Albanien werden Finanzdienstleistungen in allen </span></div><div class=\"ps19848 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbereichen angeboten. Auch im Kosovo ist die RBI mit einem umfassenden Produktangebot pr\u00e4sent. In Bosnien und </span></div><div class=\"ps19849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Herzegowina liegt der Schwerpunkt auf Klein- und Mittelbetrieben, es werden aber auch Privatkund:innen mit einem breiten </span></div><div class=\"ps19850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Produktangebot angesprochen. In Kroatien liegt der Fokus auf gro\u00dfen und mittleren Firmenkunden sowie Retail-Kund:innen </span></div><div class=\"ps19851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(auch im Pensionsfondsgesch\u00e4ft). In Rum\u00e4nien wird \u00fcber ein dichtes Filialnetz eine breite Palette an Finanzdienstleistungen </span></div><div class=\"ps19852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angeboten. Der serbische Markt wird durch eine Universalbank und Leasinggesellschaften betreut. </span></div><div class=\"ps19853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Osteuropa<span id=\"i88a7cfdf55504f0497e41cf34a35c758\"></span></span></div><div class=\"ps19854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses Segment umfasst Russland und im Vorjahr auch Belarus. Die Raiffeisenbank Russland betreut sowohl ausgew\u00e4hlte </span></div><div class=\"ps19855 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmen- als auch Privatkunden. Weiters ist die RBI in Russland im Leasinggesch\u00e4ft vertreten. </span></div><div class=\"ps19856 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im November 2024 schloss die RBI den Verkauf der belarussischen Konzerneinheiten erfolgreich ab. Das laufende Ergebnis </span></div><div class=\"ps19857 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Einheiten wurde im Berichtsjahr 2024 im Posten Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen ausgewiesen. Das </span></div><div class=\"ps19858 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Entkonsolidierung wurde dem Segment Corporate Center zugeordnet.</span></div><div class=\"ps19859 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Ukraine<span id=\"i903e64249e174489a1a3ff450d808b5c\"></span></span></div><div class=\"ps19860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses Segment umfasst die Ukraine. In der Ukraine ist die RBI mit einer Bank pr\u00e4sent und bietet \u00fcber die digitalen Kan\u00e4le der </span></div><div class=\"ps19861 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bank sowie ein lokales Vertriebsnetz die gesamte Palette der Finanzdienstleistungen an. </span></div><div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Group Corporates &amp; Markets<span id=\"i2d6e27d4e42e460ca584ca393a5e3ebd\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Segment Group Corporates &amp; Markets wird in \u00d6sterreich gebuchtes operatives Gesch\u00e4ft dargestellt. Dazu z\u00e4hlen prim\u00e4r das </span></div><div class=\"ps3355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsgesch\u00e4ft mit von Wien aus betreuten \u00f6sterreichischen und internationalen Firmenkunden, Financial Institutions &amp; </span></div><div class=\"ps3356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sovereigns, der Handel mit Eigenkapitalinstrumenten und Kapitalmarktfinanzierungen sowie das Gesch\u00e4ft mit Instituten der </span></div><div class=\"ps3357 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Bankengruppe (RBG). Weiters beinhaltet dieses Segment das kapitalmarktbezogene Kunden- und Eigengesch\u00e4ft in </span></div><div class=\"ps3358 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich. Neben der RBI AG z\u00e4hlen dazu auch die in Tochterunternehmen ausgelagerten Finanzdienstleistungen, wie z. B. die </span></div><div class=\"ps3359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Wien ans\u00e4ssigen Gesellschaften Raiffeisen Digital Bank AG (digitale Retailbanking-Aktivit\u00e4ten), Kathrein Privatbank </span></div><div class=\"ps19864 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktiengesellschaft, Raiffeisen Leasing-Gruppe, Raiffeisen Factor Bank AG, Raiffeisen Bausparkasse Gesellschaft m.b.H., Valida-</span></div><div class=\"ps19865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gruppe (Pensionskassengesch\u00e4ft) und Raiffeisen Kapitalanlage-Gesellschaft mit beschr\u00e4nkter Haftung. Dar\u00fcber hinaus sind </span></div><div class=\"ps19866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Segment im Finanzdienstleistungsbereich t\u00e4tige at-equity bewertete Unternehmen zugeordnet: Notartreuhandbank </span></div><div class=\"ps19867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AG, Oesterreichische Kontrollbank AG, Prva stavebna sporitelna a.s., Bratislava und Posojilnica Bank eGen.</span></div><div class=\"ps19868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Corporate Center <span id=\"id048f65fe5794f488fd70bd5757be406\"></span></span></div><div class=\"ps15282 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Segment Corporate Center umfasst durch die Konzernzentrale erbrachte Dienstleistungen in diversen Bereichen sowie </span></div><div class=\"ps19869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gemeinsamen Serviceunternehmen, die der Umsetzung der gruppenweiten Strategie dienen und zur Wahrung der </span></div><div class=\"ps16484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichbarkeit diesem Segment zugeordnet sind. Daher beinhaltet das Segment folgende Bereiche: Liquidit\u00e4tssteuerung und <span class=\"f ps24\"> </span></span></div><div class=\"ps16485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzstruktur-Management, Beteiligungsmanagement, das Bankgesch\u00e4ft der Konzernzentrale zur Refinanzierung der </span></div><div class=\"ps16486 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerneinheiten, das \u00f6sterreichische und internationale Abwicklungs- und Servicedienstleistungsgesch\u00e4ft f\u00fcr </span></div><div class=\"ps19870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzdienstleister sowie sonstige Gesellschaften au\u00dferhalb des Finanzdienstleistungsbereichs, die nicht unmittelbar einem </span></div><div class=\"ps19871 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Segment zugeordnet sind wie z. B. Immobilienprojekte. Diesem Segment werden auch au\u00dferhalb des </span></div><div class=\"ps19872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzdienstleistungsbereichs t\u00e4tige at-equity bewertete Unternehmen zugeordnet, unter anderem Beteiligungen an der </span></div><div class=\"ps19873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">UNIQA Insurance Group AG, der Raiffeisen Informatik GmbH &amp; Co KG, EMCOM Beteiligungs GmbH, Raiffeisen-Leasing </span></div><div class=\"ps19874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management GmbH, \u00d6sterreichische Hotel- und Tourismusbank GmbH sowie der Leipnik-Lundenburger Invest Beteiligungs AG </span></div><div class=\"ps19875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Holdinggesellschaft mit Beteiligungen in den Bereichen Mehl, M\u00fchlen und Vending).</span></div><div class=\"ps19876 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Bemessung von Segmentergebnissen<span id=\"ie9d0a60853564351971411e6c863aa6a\"></span></span></div><div class=\"ps13742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Segmentberichterstattung nach IFRS 8 zeigt die Segmentergebnisse auf Basis der internen Management-Berichterstattung, </span></div><div class=\"ps19877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erg\u00e4nzt um eine \u00dcberleitung der Segmentergebnisse auf den Konzernabschluss. Die Management-Berichterstattung bei der RBI </span></div><div class=\"ps19878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beruht grunds\u00e4tzlich auf IFRS. Es bestehen somit keine Unterschiede zwischen den Bilanzierungs- und Bewertungsmethoden, </span></div><div class=\"ps19879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die in der Segmentberichterstattung Anwendung finden, und jenen, die dem Konzernabschluss zugrunde liegen.</span></div><div class=\"ps19880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Steuerung der einzelnen Segmente erfolgt anhand einer Reihe von Schl\u00fcsselindikatoren, die sich aus den Parametern </span></div><div class=\"ps19881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rentabilit\u00e4t, Effizienz, beschr\u00e4nkende Rahmenbedingungen und Gesch\u00e4ftszusammensetzung ergeben. Zielwerte f\u00fcr diese </span></div><div class=\"ps19882 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schl\u00fcsselindikatoren werden je nach Marktumfeld festgelegt und bei Bedarf adaptiert. </span></div><div class=\"ps19883 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Rentabilit\u00e4t (Profitability)<span id=\"i43cf6e4cffd045cc895e24dfa6883a0a\"></span></span></div><div class=\"ps19884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Rentabilit\u00e4t wird im Rahmen des internen Managementsystems mithilfe des Return on Equity (ROE) sowie des Return on </span></div><div class=\"ps19885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risk-Adjusted Capital (RORAC) gemessen. Der ROE zeigt die Rentabilit\u00e4t einer Steuerungseinheit und errechnet sich aus dem </span></div><div class=\"ps19886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verh\u00e4ltnis des Ergebnisses nach Abzug nicht beherrschender Anteile zum durchschnittlich eingesetzten Konzern-Eigenkapital. </span></div><div class=\"ps19887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Er gibt die Verzinsung des im Segment eingesetzten Kapitals an. In die Kalkulation des RORAC flie\u00dft das risiko-adjustierte </span></div><div class=\"ps19888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapital ein, das den Bedarf an Eigenmitteln bezeichnet, den die Bank f\u00fcr m\u00f6gliche unerwartete Verluste vorhalten muss. In der </span></div><div class=\"ps19889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI wird dieser Kapitalbedarf im Rahmen des \u00f6konomischen Kapitalmodells f\u00fcr Kredit-, Markt- und operationelle Risiken </span></div><div class=\"ps19890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt. Diese Kennzahl zeigt die Verzinsung des risikoadjustierten Eigenkapitals (\u00f6konomisches Kapital), stellt aber keine </span></div><div class=\"ps19891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Messgr\u00f6\u00dfe nach IFRS dar. Bei den einzelnen L\u00e4ndern und Gesch\u00e4ftsfeldern wird dabei der tats\u00e4chlich erwirtschaftete RORAC </span></div><div class=\"ps19892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit einem jeweils vorgegebenen Mindestwert (RORAC Hurdle) verglichen, der die marktad\u00e4quaten Renditeerwartungen </span></div><div class=\"ps19893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">reflektiert.</span></div><div class=\"ps19894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Effizienz (Efficiency)<span id=\"i5a73a225ff284eccb31ad576d7ae6d81\"></span></span></div><div class=\"ps19895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Cost/Income Ratio zeigt die Kosteneffizienz der Segmente. Sie errechnet sich als Quotient aus den Verwaltungsaufwen-</span></div><div class=\"ps19896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dungen (abz\u00fcglich Transaktionssteuer) einerseits und den Betriebsertr\u00e4gen (abz\u00fcglich Transaktionssteuer sowie vor </span></div><div class=\"ps19897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen), also der Summe aus Zins\u00fcberschuss, Dividendenertr\u00e4gen, laufendem Ergebnis aus assoziierten </span></div><div class=\"ps19898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen, Provisions\u00fcberschuss, Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen, Ergebnis aus Hedge </span></div><div class=\"ps19899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Accounting und dem sonstigen betrieblichen Ergebnis, andererseits. </span></div><div class=\"ps19900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Beschr\u00e4nkende Rahmenbedingungen (Constraints)<span id=\"i2b0c7cf45bf9434c9ecc60c3ae06cab1\"></span></span></div><div class=\"ps19901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen des Basel-III-Regelwerks sind bestimmte gesetzliche Vorschriften zu beachten. Das Verh\u00e4ltnis des harten </span></div><div class=\"ps19902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernkapitals zu den gesamten risikogewichteten Aktiva (Common Equity Tier 1 Ratio) ist beispielsweise ein wichtiger Indikator </span></div><div class=\"ps19903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">daf\u00fcr, ob die Kapitalunterlegung f\u00fcr das Gesch\u00e4ftsvolumen ausreicht. Branchenspezifika f\u00fchren zu unterschiedlichen </span></div><div class=\"ps19904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikogewichtungen bei der Berechnung der Risikoaktiva gem\u00e4\u00df CRR. Diese sind f\u00fcr die Berechnung des regulatorischen </span></div><div class=\"ps19905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mindest-Eigenmittelerfordernisses ausschlaggebend. Im Zuge des j\u00e4hrlich durchgef\u00fchrten Supervisory Review and Evaluation </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Process (SREP) schreibt die EZB per Bescheid vor, zus\u00e4tzliches hartes Kernkapital zu halten, um jene Risiken abzudecken, die in </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der S\u00e4ule 1 nicht oder nicht ausreichend Ber\u00fccksichtigung finden. Dar\u00fcber hinaus wird intern die effiziente Nutzung des </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgbaren Kapitals errechnet, indem der tats\u00e4chliche Verbrauch ins Verh\u00e4ltnis zum theoretisch zur Verf\u00fcgung stehenden </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikodeckungskapital gesetzt wird. Ebenfalls begrenzend wirken die langfristigen Liquidit\u00e4tskennzahlen, die in </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit den regulatorischen Bestimmungen definiert werden. Aus den Mindestanforderungen an Eigenmittel und </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigungsf\u00e4higen Verbindlichkeiten (MREL) ergeben sich Beschr\u00e4nkungen in den Aussch\u00fcttungen von Banken (Maximum </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Distributable Amount). </span></div><div class=\"ps19906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Gesch\u00e4ftszusammensetzung (Business Mix)<span id=\"ia7f11bd8e79c4877a620490d3a684923\"></span></span></div><div class=\"ps5148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgenden Steuerungsgr\u00f6\u00dfen sind zur Wahrung einer sinnvollen und nachhaltigen Gesch\u00e4ftsstruktur relevant. Dabei ist die </span></div><div class=\"ps19907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammensetzung des Ergebnisses sowie der zugrunde liegenden Bestandsgr\u00f6\u00dfen von gro\u00dfer Bedeutung: Die Struktur der </span></div><div class=\"ps17072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prim\u00e4rrefinanzierungsbasis f\u00fcr Kundenkredite wird anhand der Loan/Deposit Ratio ermittelt. Die Nettozinsspanne wird auf </span></div><div class=\"ps17073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basis der durchschnittlichen zinstragenden Aktiva berechnet. </span></div><div class=\"ps5152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basis f\u00fcr die Segmentberichterstattung ist die Erfolgsrechnung, wobei sich die Darstellung an der intern verwendeten </span></div><div class=\"ps5153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reporting-Struktur orientiert. Ertr\u00e4ge und Aufwendungen werden prim\u00e4r dem Land bzw. sekund\u00e4r dem Gesch\u00e4ftsfeld </span></div><div class=\"ps5154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeordnet, in dem der Ertrag generiert wird. Somit wird die Segmentberichterstattung nach L\u00e4ndern bzw. Regionen </span></div><div class=\"ps19908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Das Segmentergebnis wird bis zum Ergebnis nach Abzug nicht beherrschender Anteile gezeigt. </span></div><div class=\"ps19909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Segmentverm\u00f6gen wird durch die Bilanzsumme sowie die risikogewichteten Aktiva dargestellt. Die \u00dcberleitungsrechnung </span></div><div class=\"ps19910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enth\u00e4lt im Wesentlichen Betr\u00e4ge aus der Eliminierung von Zwischenergebnissen und aus segment\u00fcbergreifenden </span></div><div class=\"ps19911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsolidierungen. Die Erfolgsrechnung wird schlie\u00dflich um die zur Bewertung der Ergebnisse branchen\u00fcblichen </span></div><div class=\"ps19912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzkennzahlen erg\u00e4nzt. Die im Segmentbericht angegebenen Werte werden gro\u00dfteils den Einzelabschl\u00fcssen nach IFRS </span></div><div class=\"ps19913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entnommen, die auch f\u00fcr die Erstellung des Konzernabschlusses herangezogen werden. In der Konzernzentrale werden </span></div><div class=\"ps19914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Profitcenter-Ergebnisse aus der internen Management-Erfolgsrechnung verwendet.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-423": {
   "value": "<div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_688\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-27958eee ps17\">Segmentberichterstattung<span id=\"i20638a4028304a2facecb9b753274361\"></span></span><span class=\"f charStyle-5a0fdfcb ps19915\"> </span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps19916\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17133 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps9423\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19183 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps10434\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19917 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps18584\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Zins\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19188 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17154\">1.650<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19918\">1.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19190 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17169\">1.690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19191 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19919\">401<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19193 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19920\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19921\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19195 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19197 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Laufendes Ergebnis aus assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Provisions\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19923 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18521\">703<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18465\">574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19925 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19924\">729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19927 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19926\">65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19929 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19928\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19931 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19930\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19933 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19932\">238<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19935 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19934\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19937 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19938 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19939 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19940 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges betriebliches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19942 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19941\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19944 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19943\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19946 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19945\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19947 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19928\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19949 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19948\">2.414<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19951 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19950\">2.026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19953 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19952\">2.674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19954 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps1125\">478<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Verwaltungsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19956 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19955\">-1.201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19958 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19957\">-852<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19960 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19959\">-688<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19962 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19961\">-206<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19964 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19963\">1.214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19966 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19965\">1.174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19967 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps10812\">1.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19969 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19968\">272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbriges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19970 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps8158\">-313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19972 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19971\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19973 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10722\">-1.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19974 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps849\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Staatliche Ma\u00dfnahmen und Pflichtabgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19975 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps1241\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19976 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18481\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19978 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19977\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19980 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19979\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen auf finanzielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19982 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19981\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19983 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9362\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19984 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps835\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19986 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19985\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19987 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps5676\">820<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19989 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19988\">1.032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19990 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps5967\">406<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19992 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19991\">307<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19993 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps1172\">-247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19995 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19994\">-167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19997 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19996\">-492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19998 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18447\">-77<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19999 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18789\">572<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20001 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20000\">865<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20003 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20002\">-86<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20004 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18396\">229<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20005 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20006 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20007 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20008 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20009 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18789\">572<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20010 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20000\">865<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20011 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20002\">-86<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20012 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18396\">229<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20013 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18459\">-158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20014 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20015 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20017 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20016\">-73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps276 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Abzug nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20019 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20018\">415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20020 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20000\">865<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20021 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20002\">-86<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20023 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20022\">156<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15503 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Return on Equity vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20025 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20024\"></span><span class=\"ps20024\">17,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20026 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18526\"></span><span class=\"ps18526\">26,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20028 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20027\"></span><span class=\"ps20027\">6,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20029 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20024\"></span><span class=\"ps20024\">52,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13587 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Return on Equity nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20031 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20030\"></span><span class=\"ps20030\">12,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20032 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17382\"></span><span class=\"ps17382\">22,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20034 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:48.62pt\"></span></span><span class=\"ps20033\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20036 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">39,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5497 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Nettozinsspanne (\u00d8 zinstragende Aktiva)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20037 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14177\"></span><span class=\"ps14177\">2,40 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20039 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">3,79 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20040 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5233\"></span><span class=\"ps5233\">9,74 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20041 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15038\"></span><span class=\"ps15038\">8,84 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6579 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Cost/Income Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20042 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5233\"></span><span class=\"ps5233\">47,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20043 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14177\"></span><span class=\"ps14177\">42,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20044 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18712\"></span><span class=\"ps18712\">25,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20046 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20045\"></span><span class=\"ps20045\">43,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13600 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Loan/Deposit Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20047 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18782\"></span><span class=\"ps18782\">78,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20048 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">67,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20049 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18526\"></span><span class=\"ps18526\">26,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20050 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11304\"></span><span class=\"ps11304\">41,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13603 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Neubildungsquote (\u00d8 Forderungen an Kunden)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20052 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20051\"></span><span class=\"ps20051\">0,01 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20053 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18693\"></span><span class=\"ps18693\">0,23 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20054 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4156\"></span><span class=\"ps4156\">-1,03 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20056 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20055\"></span><span class=\"ps20055\">-2,72 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6206 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">NPE Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20058 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20057\"></span><span class=\"ps20057\">1,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20059 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps531\"></span><span class=\"ps531\">1,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20061 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20060\"></span><span class=\"ps20060\">1,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20063 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20062\"></span><span class=\"ps20062\">3,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7313 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">NPE Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20065 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20064\"></span><span class=\"ps20064\">58,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20067 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20066\"></span><span class=\"ps20066\">65,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20068 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17390\"></span><span class=\"ps17390\">78,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20069 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5233\"></span><span class=\"ps5233\">82,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20070 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20071 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18742\">73.141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20073 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20072\">40.751<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20074 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18115\">18.505<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20075 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19220\">5.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5321 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Risikogewichtete Aktiva gesamt (RWA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20076 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps9390\">26.554<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20077 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18494\">19.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20078 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17187\">19.042<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20080 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20079\">4.370<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8874 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20082 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20081\">5.157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20084 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20083\">4.535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20086 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20085\">5.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20088 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20087\">773<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6883 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20090 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20089\">42.222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20092 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20091\">21.695<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20094 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20093\">4.415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20096 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20095\">1.697<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5558 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20098 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20097\">56.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20100 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20099\">32.104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20101 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18105\">10.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20103 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20102\">4.034<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20104 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Gesch\u00e4ftsstellen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20106 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20105\">334<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20107 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18396\">638<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20109 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20108\">66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20110 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18465\">266<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8717 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter:innen zum Stichtag (Vollzeit\u00e4quivalente)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20111 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18121\">10.699<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20113 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20112\">12.264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20115 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20114\">8.522<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20117 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20116\">5.078<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7883 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Kund:innen in Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20119 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20118\">4,6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20121 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20120\">5,4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20123 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20122\">2,9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20124 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19279\">3,1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss1195\"><div><div class=\"ps12528 ss863\"><span class=\"f charStyle-1dbd4d87 ps20127\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps18553\">Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17133 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps570\">Corporate Center<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19183 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps20128\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19917 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps12623\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Zins\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19188 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20129\">725<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps814\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19190 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19191 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20130\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19193 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19928\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20131\">1.363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19195 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18503\">-1.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19197 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19930\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Laufendes Ergebnis aus assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19945\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20132\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20133\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20134\">52<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Provisions\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19923 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20135\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20136\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19925 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20133\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19927 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20137\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19929 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20138\">155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19931 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20139\">-194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19933 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps814\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19935 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19968\">253<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19937 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19921\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19938 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19928\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19939 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps849\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19940 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19934\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges betriebliches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19942 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20140\">141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19944 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20141\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19946 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18507\">-227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19947 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20142\">151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19949 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20079\">1.649<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19951 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20131\">1.419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19953 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17902\">-1.564<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19954 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20143\">9.097<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Verwaltungsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19956 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18506\">-925<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19958 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20144\">-487<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19960 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20145\">225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19962 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18423\">-4.134<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19964 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20146\">724<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19966 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20147\">931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19967 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17783\">-1.338<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19969 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps10792\">4.963<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbriges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19970 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19972 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20148\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19973 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20149\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19974 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20150\">-1.918<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Staatliche Ma\u00dfnahmen und Pflichtabgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19975 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20151\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19976 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20151\">-42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19978 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19980 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps6977\">-270<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen auf finanzielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19982 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18738\">-236<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19983 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20152\">64<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19984 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20153\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19986 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20154\">-141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19987 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20155\">452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19989 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20156\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19990 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17185\">-1.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19992 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20143\">2.634<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19993 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18456\">-93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19995 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20108\">66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19997 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps849\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19998 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18811\">-1.013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19999 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps1125\">359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20001 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17350\">1.039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20003 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18516\">-1.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20004 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20157\">1.621<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus aufgegebenen Gesch\u00e4ftsbereichen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20005 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20006 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20007 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20008 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20009 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps1125\">359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20010 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17350\">1.039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20011 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18516\">-1.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20012 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20157\">1.621<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20013 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20158\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20014 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20015 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20017 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20159\">-250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps276 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Abzug nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20019 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20160\">340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20020 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17350\">1.039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20021 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18516\">-1.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20023 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20161\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15503 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Return on Equity vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20025 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17380\"></span><span class=\"ps17380\">10,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20026 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20028 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20029 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20024\"></span><span class=\"ps20024\">12,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13587 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Return on Equity nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20031 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20163\"></span><span class=\"ps20163\">8,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20032 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20034 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20036 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20164\"></span><span class=\"ps20164\">7,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5497 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Nettozinsspanne (\u00d8 zinstragende Aktiva)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20037 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16869\"></span><span class=\"ps16869\">1,18 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20039 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20040 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20041 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20165\"></span><span class=\"ps20165\">2,95 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6579 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Cost/Income Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20042 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17415\"></span><span class=\"ps17415\">56,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20043 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20044 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20046 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">44,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13600 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Loan/Deposit Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20047 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16295\"></span><span class=\"ps16295\">167,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20048 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20049 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20050 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20167\"></span><span class=\"ps20167\">82,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13603 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Neubildungsquote (\u00d8 Forderungen an Kunden)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20052 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17886\"></span><span class=\"ps17886\">0,66 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20053 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20054 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20056 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17380\"></span><span class=\"ps17380\">0,14 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6206 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">NPE Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20058 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18460\"></span><span class=\"ps18460\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20059 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20061 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20063 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20168\"></span><span class=\"ps20168\">1,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7313 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">NPE Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20065 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20165\"></span><span class=\"ps20165\">25,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20067 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20068 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20069 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20066\"></span><span class=\"ps20066\">46,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20070 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20071 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20169\">63.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20073 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20170\">28.865<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20074 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17554\">-19.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20075 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20171\">210.265<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5321 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Risikogewichtete Aktiva gesamt (RWA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20076 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10479\">23.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20077 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18516\">16.866<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20078 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19192\">-9.049<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20080 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17140\">100.924<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8874 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20082 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20172\">4.600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20084 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20173\">7.122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20086 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18124\">-5.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20088 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20174\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6883 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20090 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20175\">35.954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20092 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20176\">1.001<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20094 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20177\">-1.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20096 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17554\">105.610<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5558 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20098 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps4163\">20.968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20100 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20178\">6.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20101 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps4144\">-2.880<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20103 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18029\">127.575<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20104 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Gesch\u00e4ftsstellen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20106 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20179\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20107 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20109 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20110 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20180\">1.322<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8717 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter:innen zum Stichtag (Vollzeit\u00e4quivalente)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20111 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps778\">3.714<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20113 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20181\">2.148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20115 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20117 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17371\">42.425<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7883 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Kund:innen in Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20119 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20182\">2,7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20121 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20183\">0,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20123 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20183\">0,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20124 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps1125\">18,6<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps19916\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17133 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps9423\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19183 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-ca7bbde0 ps10434\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19917 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps18584\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Zins\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19188 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17169\">1.606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18472\">1.392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19190 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18472\">1.623<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19191 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20186\">391<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19193 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20187\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19920\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19195 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19197 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Laufendes Ergebnis aus assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19921\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20133\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Provisions\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19923 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18390\">622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20188\">506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19925 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps1065\">793<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19927 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20189\">67<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19929 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19934\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19931 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20190\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19933 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19926\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19935 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19945\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19937 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20191\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19938 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19939 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19940 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges betriebliches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19942 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20192\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19944 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps835\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19946 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19971\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19947 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20133\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19949 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20193\">2.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19951 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20194\">1.939<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19953 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20195\">2.471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19954 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20196\">477<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Verwaltungsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19956 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10722\">-1.099<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19958 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20159\">-807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19960 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20197\">-488<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19962 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18458\">-192<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19964 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20198\">1.195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19966 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20199\">1.132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19967 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20200\">1.982<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19969 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18393\">286<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbriges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19970 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20201\">-656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19972 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20202\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19973 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20203\">-843<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19974 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20204\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Staatliche Ma\u00dfnahmen und Pflichtabgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19975 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps1208\">-86<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19976 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20158\">-61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19978 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20205\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19980 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20206\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen auf finanzielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19982 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20207\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19983 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20158\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19984 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20208\">162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19986 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20209\">-60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19987 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18390\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19989 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17384\">1.037<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19990 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17190\">1.272<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19992 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20210\">212<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19993 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20144\">-245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19995 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18458\">-162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19997 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18820\">-399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19998 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20211\">-115<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19999 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps1208\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20001 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20212\">875<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20003 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20213\">873<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20004 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20214\">97<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20005 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20006 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20007 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20142\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20008 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20009 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps1208\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20010 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20212\">875<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20011 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19948\">1.024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20012 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20214\">97<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20013 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20215\">-139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20014 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20015 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20216\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20017 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18476\">-31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps276 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Abzug nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20019 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20217\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20020 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20212\">875<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20021 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps774\">1.006<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20023 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20218\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15503 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Return on Equity vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20025 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20219\"></span><span class=\"ps20219\">10,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20026 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20220\"></span><span class=\"ps20220\">29,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20028 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18526\"></span><span class=\"ps18526\">29,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20029 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20030\"></span><span class=\"ps20030\">42,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13587 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Return on Equity nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20031 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18820\"></span><span class=\"ps18820\">4,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20032 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18782\"></span><span class=\"ps18782\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20034 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18693\"></span><span class=\"ps18693\">20,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20036 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">19,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5497 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Nettozinsspanne (\u00d8 zinstragende Aktiva)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20037 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20222\"></span><span class=\"ps20222\">2,52 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20039 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3128\"></span><span class=\"ps3128\">4,17 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20040 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17390\"></span><span class=\"ps17390\">8,87 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20041 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20223\"></span><span class=\"ps20223\">9,07 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6579 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Cost/Income Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20042 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5233\"></span><span class=\"ps5233\">47,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20043 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">41,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20044 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18731\"></span><span class=\"ps18731\">19,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20046 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17380\"></span><span class=\"ps17380\">40,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13600 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Loan/Deposit Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20047 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17787\"></span><span class=\"ps17787\">80,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20048 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18693\"></span><span class=\"ps18693\">65,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20049 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10792\"></span><span class=\"ps10792\">35,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20050 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20225\"></span><span class=\"ps20225\">33,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13603 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Neubildungsquote (\u00d8 Forderungen an Kunden)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20052 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20226\"></span><span class=\"ps20226\">-0,02 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20053 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20051\"></span><span class=\"ps20051\">0,10 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20054 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4171\"></span><span class=\"ps4171\">-0,85 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20056 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps774\"></span><span class=\"ps774\">2,18 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6206 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">NPE Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20058 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20062\"></span><span class=\"ps20062\">1,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20059 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20168\"></span><span class=\"ps20168\">1,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20061 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps531\"></span><span class=\"ps531\">1,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20063 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">4,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7313 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">NPE Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20065 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">56,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20067 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18526\"></span><span class=\"ps18526\">66,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20068 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17886\"></span><span class=\"ps17886\">69,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20069 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17390\"></span><span class=\"ps17390\">82,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20070 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20071 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps4154\">65.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20073 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17455\">38.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20074 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20099\">16.945<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20075 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20030\">4.986<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5321 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Risikogewichtete Aktiva gesamt (RWA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20076 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10125\">24.432<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20077 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17185\">17.434<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20078 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17564\">16.994<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20080 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20024\">4.709<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8874 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20082 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19212\">4.688<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20084 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17490\">4.259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20086 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18501\">4.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20088 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps5680\">623<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6883 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20090 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20174\">37.836<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20092 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10643\">20.583<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20094 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20229\">4.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20096 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20181\">1.385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5558 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20098 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18397\">49.648<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20100 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps10661\">30.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20101 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20230\">9.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20103 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20231\">4.149<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20104 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Gesch\u00e4ftsstellen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20106 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20232\">337<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20107 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20188\">650<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20109 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19286\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20110 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18521\">298<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8717 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter:innen zum Stichtag (Vollzeit\u00e4quivalente)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20111 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18106\">10.069<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20113 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17187\">12.490<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20115 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps3128\">8.863<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20117 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18686\">5.251<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7883 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Kund:innen in Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20119 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20233\">4,2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20121 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20234\">5,2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20123 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20235\">3,2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20124 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20122\">2,9<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss1195\"><div><div class=\"ps12528 ss863\"><span class=\"f charStyle-1dbd4d87 ps20127\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps18553\">Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17133 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps570\">Corporate Center<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19183 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-1dbd4d87 ps20128\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19917 ss1195\"><div><div class=\"ps12526 ss863\"><span class=\"f charStyle-3e64e966 ps12623\">Gesamt</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Zins\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19188 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20105\">860<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20236\">-95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19190 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19928\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19191 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20237\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19193 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20191\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20159\">1096<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19195 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20238\">-1086<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19197 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18444\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Laufendes Ergebnis aus assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19930\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20239\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18394\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Provisions\u00fcberschuss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19923 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20196\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20189\">76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19925 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20158\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19927 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20240\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19929 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20140\">114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19931 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20241\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19933 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps814\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19935 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20242\">111<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19937 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20243\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19938 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20204\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19939 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19928\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19940 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19934\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges betriebliches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19942 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20244\">131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19944 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20186\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19946 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps531\">-231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19947 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19985\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19949 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20245\">1.717<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19951 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19963\">1.120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19953 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20246\">-1.317<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19954 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17467\">8.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Verwaltungsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19956 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20215\">-931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19958 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20247\">-497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19960 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20002\">228<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19962 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps4148\">-3.786<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19964 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20248\">786<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19966 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20249\">623<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19967 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20250\">-1.089<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19969 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20251\">4.915<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbriges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19970 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18476\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19972 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps5673\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19973 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19981\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19974 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17795\">-1.590<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Staatliche Ma\u00dfnahmen und Pflichtabgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19975 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20216\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19976 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19971\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19978 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19980 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18458\">-216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen auf finanzielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19982 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20201\">-230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19983 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19921\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19984 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20207\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19986 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20252\">-125<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19987 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18396\">525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19989 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20253\">565<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19990 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20254\">-1.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19992 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20255\">2.984<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19993 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20256\">-113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19995 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20239\">82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19997 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19998 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19996\">-953<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19999 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20209\">412<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20001 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps1210\">647<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20003 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20250\">-1.089<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20004 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps19988\">2.031<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20005 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20006 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20257\">-824<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20007 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20258\">-0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20008 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18699\">-673<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20009 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20209\">412<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20010 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20259\">-177<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20011 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20250\">-1.089<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20012 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20260\">1.358<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20013 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20151\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20014 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20258\">-0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20015 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20187\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20017 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20261\">-201<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps276 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis nach Abzug nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20019 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20262\">388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20020 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20263\">-178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20021 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps17185\">-1.078<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20023 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps18689\">1.157<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Return on Equity vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20264 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16869\"></span><span class=\"ps16869\">11,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20265 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20266 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20268 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20267\"></span><span class=\"ps20267\">15,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Return on Equity nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20269 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18460\"></span><span class=\"ps18460\">9,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20270 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20271 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20273 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20272\"></span><span class=\"ps20272\">9,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Nettozinsspanne (\u00d8 zinstragende Aktiva)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20274 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,39 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20275 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20276 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20277 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17468\"></span><span class=\"ps17468\">2,98 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Cost/Income Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20278 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18782\"></span><span class=\"ps18782\">54,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20279 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20280 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20282 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20281\"></span><span class=\"ps20281\">43,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Loan/Deposit Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20284 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20283\"></span><span class=\"ps20283\">161,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20285 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20286 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20287 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20222\"></span><span class=\"ps20222\">82,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Neubildungsquote (\u00d8 Forderungen an Kunden)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20288 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20064\"></span><span class=\"ps20064\">0,62 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20289 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20290 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20292 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20291\"></span><span class=\"ps20291\">0,22 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">NPE Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20294 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20293\"></span><span class=\"ps20293\">3,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20295 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20296 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20297 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20060\"></span><span class=\"ps20060\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">NPE Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20298 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">39,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20299 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20300 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20162\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20301 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17415\"></span><span class=\"ps17415\">51,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20303 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20302\">62.818<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20304 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18118\">33.001<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20305 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps8926\">-21.234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20306 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17780\">199.851<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Risikogewichtete Aktiva gesamt (RWA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20307 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20174\">25.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20308 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20228\">17.215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20309 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17796\">-10.239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20310 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18493\">95.600<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20312 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20311\">4.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20314 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20313\">8.045<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20316 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20315\">-6.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20318 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20317\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20320 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20319\">36.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20322 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20321\">1.031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20323 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18438\">-1.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20324 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20302\">99.551<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20325 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18493\">24.544<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20327 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20326\">3.753<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20328 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20254\">-3.950<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20329 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17897\">117.717<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Gesch\u00e4ftsstellen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20330 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19943\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20331 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20332 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20334 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20333\">1.391<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter:innen zum Stichtag (Vollzeit\u00e4quivalente)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20335 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20079\">3.704<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20336 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18515\">2.187<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20337 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20338 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20175\">42.564<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Kund:innen in Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20339 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20234\">2,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20340 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20183\">0,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20341 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20343 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20342\">17,9<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-427": {
   "value": "<div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(1) Zins\u00fcberschuss<span id=\"i8557873a46414efeb0302a5039f02411\"></span></span></div><div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen und \u00e4hnliche Ertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus finanziellen Verm\u00f6genswerten wie Krediten oder festver-</span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zinslichen Wertpapieren sowie Zinsen und \u00e4hnliche Ertr\u00e4ge aus dem Handelsbestand. Zinsen und zins\u00e4hnliche Aufwendungen <span class=\"f ps24\"> </span></span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfassen vor allem Zinsaufwendungen f\u00fcr Einlagen, verbriefte Verbindlichkeiten und Nachrangkapital. Zinsertr\u00e4ge und <span class=\"f ps24\"> </span></span></div><div class=\"ps13868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsaufwendungen werden periodengerecht abgegrenzt. Negative Zinsen von Aktivposten werden im Zinsaufwand, negative </span></div><div class=\"ps13869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen von Passivposten werden im Zinsertrag ausgewiesen.</span></div><div class=\"ps20368 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsertr\u00e4ge nach Effektivzinsmethode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">7.596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18751\">8.170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">169<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20346\">7.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20347\">8.001<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsertr\u00e4ge \u00fcbrige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">2.312<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20348\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">214<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20351\">40<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivative - Hedge Accounting, Zinssatzrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20353\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">294<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">1.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20355\">1.752<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsertr\u00e4ge aus finanziellen Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20356\">-3.954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20357\">-4.702<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20231\">-3.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps4117\">-3.751<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1225\">-424<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20156\">-245<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivative - Hedge Accounting, Zinssatzrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">-649<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwendungen aus finanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20364\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20366\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20371 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-6d404c82 ps30\">Zins\u00fcberschuss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20369\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche zinstragende Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps9359\">198.836<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18509\">194.071<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozinsspanne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps19996\"></span><span class=\"ps19996\">2,95%</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps19959\"></span><span class=\"ps19959\">2,98%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zins\u00fcberschuss sind Zinsertr\u00e4ge in H\u00f6he von \u20ac 674 Millionen (Vorjahr: \u20ac 432 Millionen) von marktbewerteten finanziellen </span></div><div class=\"ps20373 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten und Zinsaufwendungen in H\u00f6he von \u20ac 462 Millionen (Vorjahr: \u20ac 282 Millionen) von marktbewerteten <span class=\"f ps24\"> </span></span></div><div class=\"ps20374 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Verbindlichkeiten enthalten.</span></div><div class=\"ps20375 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Zins\u00fcberschuss stieg um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1249\">95</span><span class=\"f charStyle-9eccfdcb ps1250\"> Millionen auf \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1251\">5.874</span><span class=\"f charStyle-9eccfdcb ps1252\"> Millionen. W\u00e4hrend der durchschnittliche Leitzinssatz in den meisten </span></div><div class=\"ps20376 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungen des Konzerns im Jahresvergleich sank (vor allem in EUR, CZK und HUF), stieg er im russischen Rubel, obwohl es in der </span></div><div class=\"ps20377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zweiten Jahresh\u00e4lfte zu Zinssenkungen kam. Das wachsende Gesch\u00e4ftsvolumen und Zuk\u00e4ufe von Staatsanleihen in nahezu </span></div><div class=\"ps20380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">allen L\u00e4ndern st\u00fctzten das Zinsergebnis. Die Nettozinsspanne verringerte sich infolge der Senkung der Marktzinsen um </span><span class=\"f charStyle-9eccfdcb ps20378\">2</span><span class=\"f charStyle-9eccfdcb ps20379\"> </span></div><div class=\"ps20383 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basispunkte auf </span><span class=\"f charStyle-9eccfdcb ps20381\">2,95</span><span class=\"f charStyle-9eccfdcb ps20382\"> Prozent.</span></div><div class=\"ps20384 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(2) Dividendenertr\u00e4ge<span id=\"i9a2b41d8a3f5410b8237057b54b2df79\"></span></span></div><div class=\"ps20385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dividenden aus Aktien, nicht vollkonsolidierten verbundenen Unternehmen, strategischen Beteiligungen sowie assoziierten </span></div><div class=\"ps20386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen, die nicht at-equity bilanziert werden, sind unter Dividendenertr\u00e4ge erfasst. Dividenden werden erfolgswirksam </span></div><div class=\"ps20387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst, wenn der Rechtsanspruch der RBI auf Zahlung entstanden ist.</span></div><div class=\"ps20392 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20388\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20390\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20391\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(3) Laufendes Ergebnis aus assoziierten Unternehmen<span id=\"i4a4fc38e8a784d9f9a9d82781680b5e0\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufendes Ergebnis aus assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20394\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(4) Provisions\u00fcberschuss<span id=\"i682abb38bd4c49fcb6ec40bf527b0d8c\"></span></span></div><div class=\"ps20397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet das f\u00fcnfstufige Umsatzrealisierungsmodell in IFRS 15 - Erl\u00f6se aus Vertr\u00e4gen mit Kund:innen - f\u00fcr die Erfassung </span></div><div class=\"ps20398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Provisionseinnahmen an, wenn die vertragliche Leistungsverpflichtung gegen\u00fcber den Kund:innen erf\u00fcllt ist. Wenn </span></div><div class=\"ps20399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Vereinbarungen Teil eines Finanzinstruments nach IFRS 9 sind, werden die Instrumente zun\u00e4chst zum </span></div><div class=\"ps20400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert erfasst, bevor IFRS 15 angewendet wird. Dies ist manchmal bei Kreditzusagen der Fall, bei denen ein Teil </span></div><div class=\"ps20401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Provisionen je nach Ausnutzung gem\u00e4\u00df IFRS 9 als Teil der Effektivzinsmethode im Zinsergebnis bzw. bei Nicht-Ausnutzung </span></div><div class=\"ps20402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 15 im Provisionsergebnis ausgewiesen werden muss.</span></div><div class=\"ps20403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Geb\u00fchreneinnahmen vorwiegend aus Dienstleistungen generiert, die zu einem fixen Preis \u00fcber einen </span></div><div class=\"ps20404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum hinweg erbracht werden, wie z. B. Karten- und Girokontendienstleistungen oder auf Transaktionsbasis zu </span></div><div class=\"ps20405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Zeitpunkt, wie z. B. Devisen- und \u00dcberweisungsdienstleistungen. Bei Verm\u00f6gensverwaltungsgeb\u00fchren sind <span class=\"f ps24\"> </span></span></div><div class=\"ps20406 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Ertr\u00e4ge in der Regel variabel und h\u00e4ngen von Faktoren wie dem verwalteten Verm\u00f6gen und der Wertentwicklung der </span></div><div class=\"ps20407 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde liegenden Verm\u00f6genswerte ab. Variable Geb\u00fchren werden erfasst, wenn alle Unklarheiten, z. B. Preisnachl\u00e4sse oder </span></div><div class=\"ps20408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rabatte, ausger\u00e4umt und die Betr\u00e4ge bekannt sind. </span></div><div class=\"ps20409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden Transaktionen direkt im Auftrag der Kund:innen abgewickelt, werden die Geb\u00fchren auf Bruttobasis ausgewiesen. Tritt </span></div><div class=\"ps20410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI hingegen als Vermittler auf, werden die Geb\u00fchren abz\u00fcglich der Zahlungen an Dritte ausgewiesen.</span></div><div class=\"ps20411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entgelte f\u00fcr Fremdw\u00e4hrungs- und Zahlungsverkehrsdienstleistungen werden in der RBI zu dem Zeitpunkt erfasst, an dem die </span></div><div class=\"ps20412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistung f\u00fcr Kund:innen erbracht wurde. Geb\u00fchren, die \u00fcber einen bestimmten Zeitraum anfallen, werden \u00fcberwiegend </span></div><div class=\"ps20413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">linear \u00fcber die Vertragslaufzeit verteilt.</span></div><div class=\"ps20414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einigen F\u00e4llen bietet die RBI ein Paket von Dienstleistungen an (geb\u00fcndelte Dienstleistungen). Diese Dienstleistungen k\u00f6nnen </span></div><div class=\"ps20415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrere Leistungsverpflichtungen enthalten, die in der Regel voneinander abgrenzbar sind, wie z. B. <span class=\"f ps24\"> </span></span></div><div class=\"ps20416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontokorrentdienstleistungen, bei denen die Geb\u00fchr den einzelnen Leistungsverpflichtungen zugeordnet wird.</span></div><div class=\"ps20417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber keine Finanzierungsvereinbarungen sowie \u00fcber keine wesentlichen Verm\u00f6genswerte oder Verbindlich-</span></div><div class=\"ps20418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keiten aus langfristigen Vertr\u00e4gen im Zusammenhang mit IFRS 15. Die Bank hat keine Aufwendungen im Zusammenhang mit </span></div><div class=\"ps20419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Vertr\u00e4gen mit Kund:innen, die unter IFRS 15 fallen, aktiviert. Geb\u00fchren werden als Aufwand verbucht, wenn die </span></div><div class=\"ps20420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistungen in Anspruch genommen werden.</span></div><div class=\"ps20427 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20122\">954<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20424\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">138<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">897<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">789<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20426\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20321\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss nahm um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1277\">93</span><span class=\"f charStyle-9eccfdcb ps1278\"> Millionen auf \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1279\">2.731</span><span class=\"f charStyle-9eccfdcb ps1280\"> Millionen zu. In den meisten L\u00e4ndern des Konzerns wurden </span></div><div class=\"ps20429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zuw\u00e4chse erzielt, wobei die gr\u00f6\u00dften Steigerungen in Rum\u00e4nien, Ungarn und Tschechien zu verzeichnen waren, w\u00e4hrend es in </span></div><div class=\"ps20430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland zu einem R\u00fcckgang von \u20ac 64 Millionen kam. </span></div><div class=\"ps20431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss aus finanziellen Verm\u00f6genswerten und Verbindlichkeiten, die nicht erfolgswirksam zum Fair Value </span></div><div class=\"ps20432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden, betrug \u20ac 1.956 Millionen (Vorjahr: \u20ac 1.848 Millionen). </span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10762\">980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20437\">807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18418\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps229\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18735\">923<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10428\">135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9355\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9615\">3.767<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7441\">453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20444\">485<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12750\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20451\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20453\">1.495<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10737\">107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9380\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20131\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12496\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12850\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10573\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps208\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps8904\">323<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18543\">264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13440\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17240\">132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12183\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20479\">638<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1714\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11495\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20167\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20487\">273<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10738\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18513\">371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12790\">487<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps13931\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps227\">118<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12732\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10113\">471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7128\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20512\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1621\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17134\">965<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps314\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20515\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3067\">136<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11553\">-277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3828\">-233<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13106\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps20518\">-323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">-75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20522\">-1.036<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11975\">703<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps292\">574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10730\">729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20524\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps10479\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps231\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20528\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1119\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20549 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3306\">862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20532\">724<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps17977\">957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20533\">192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4123\">933<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10652\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9420\">3.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12957\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12899\">292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10710\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12875\">1.499<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10711\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20534\">388<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1667\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17154\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11153\">196<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps181\">134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20535\">310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10414\">234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10735\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">604<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1691\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20537\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20538\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13099\">257<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20539\">118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1222\">221<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps483\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20540\">365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">460<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10370\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9388\">110<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps441\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps179\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10571\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9376\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20541\">377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20542\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps292\">860<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps202\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20543\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20544\">-240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6022\">-217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20545\">-164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20546\">-125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps17557\">-344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13355\">-66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18670\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9226\">-1.042<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20479\">622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11973\">506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11957\">793<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18767\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20548\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1828\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(5) Handelsergebnis, Ergebnis aus Fair-Value-Bewertungen und Ergebnis aus <span id=\"ia0728be3e20b43318d0263cba64c5f1a\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Hedge Accounting</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Handelsergebnis umfasst die H\u00e4ndlermarge aus dem Devisengesch\u00e4ft, das Ergebnis aus der Fremdw\u00e4hrungsbewertung </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie alle realisierten und nicht realisierten Gewinne und Verluste aus den zum Fair Value bewerteten finanziellen </span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten und finanziellen Verbindlichkeiten.</span></div><div class=\"ps20572 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus finanziellen Verm\u00f6genswerten und Verbindlichkeiten - Held For Trading <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20551\">273<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20552\">-48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20553\">175<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20555\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20556\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20388\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18450\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20558\">34<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20188\">-467<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20559\">-319<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19277\">-13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus finanziellen Verm\u00f6genswerten ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20561\">18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus finanziellen Verm\u00f6genswerten und Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20564\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20565\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungsumrechnung (netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20566\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20567\">148<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20568\">253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20570\">111<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps15373 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Handelsergebnis und das Ergebnis aus Fair-Value-Bewertungen betrug in der Berichtsperiode \u20ac </span><span class=\"f charStyle-9eccfdcb ps20573\">253</span><span class=\"f charStyle-9eccfdcb ps20574\"> Millionen (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps20575\">111<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20576\"> </span></div><div class=\"ps15374 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen). Die im Handelsergebnis enthaltene Position Derivate verzeichnete ein positives Ergebnis von \u20ac </span><span class=\"f charStyle-9eccfdcb ps20577\">351</span><span class=\"f charStyle-9eccfdcb ps20578\"> Millionen, dies </span></div><div class=\"ps20581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entspricht einem Anstieg gegen\u00fcber dem Vorjahr von \u20ac 176 Millionen (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps20579\">175</span><span class=\"f charStyle-9eccfdcb ps20580\"> Millionen). Derivate werden vor allem dazu </span></div><div class=\"ps20582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">genutzt, Zins- und W\u00e4hrungsrisiken sowie Risiken aus Eigenkapitalpositionen abzusichern. Die positiven Bewertungsergebnisse </span></div><div class=\"ps20583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Derivaten wurden zu einem kleineren Teil aus Absicherungen gegen W\u00e4hrungs- und Zinsrisiken erzielt, der Gro\u00dfteil </span></div><div class=\"ps20584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hingegen resultiert aus Derivaten auf Eigenkapitalinstrumente. Letztere bilden gemeinsam mit Eigenkapitalinstrumenten die </span></div><div class=\"ps20585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung gegen\u00fcber Wertschwankungen emittierter Zertifikate, die im Wesentlichen auf Aktien und Aktienindizes und zu </span></div><div class=\"ps20586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem kleineren Teil auf Zinsprodukten beruhen. Das Bewertungsergebnis dieser im Handelsbuch gef\u00fchrten Zertifikate im </span></div><div class=\"ps20591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten verbriefte Verbindlichkeiten betrug in der Berichtsperiode minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20587\">467</span><span class=\"f charStyle-9eccfdcb ps20588\"> Millionen (Vorjahr: minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20589\">319</span><span class=\"f charStyle-9eccfdcb ps20590\"> Millionen). Darin </span></div><div class=\"ps20592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enthalten ist ein negativer Bewertungseffekt aus dem R\u00fcckgang des eigenen Credit Spreads in H\u00f6he von minus \u20ac 51 Millionen. </span></div><div class=\"ps20593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereinigt um diesen Effekt spiegelt das Zertifikatsergebnis im Wesentlichen die jeweiligen Entwicklungen der </span></div><div class=\"ps20596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrundeliegenden Aktien und Aktienindizes wider. Das Bewertungsergebnis im Posten Einlagen in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps20594\">201</span><span class=\"f charStyle-9eccfdcb ps20595\"> Millionen </span></div><div class=\"ps20599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps20597\">34</span><span class=\"f charStyle-9eccfdcb ps20598\"> Millionen) beinhaltet vorwiegend erzielte Gewinnspannen aus dem Devisenhandel in Russland. Sowohl hohe <span class=\"f ps24\"> </span></span></div><div class=\"ps20600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Volatilit\u00e4ten auf den russischen Devisenm\u00e4rkten hervorgerufen durch die geopolitischen Rahmenbedingungen als auch </span></div><div class=\"ps20601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gestiegene Transaktionszahlen und -volumina trugen zu dieser Entwicklung bei. </span></div><div class=\"ps20606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinne aus W\u00e4hrungsumrechnungen von offenen Kassapositionen beliefen sich auf minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20602\">2</span><span class=\"f charStyle-9eccfdcb ps20603\"> Millionen (Vorjahr: \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps20604\">148</span><span class=\"f charStyle-9eccfdcb ps20605\"> </span></div><div class=\"ps20607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen). Offene Positionen werden mittels Fremdw\u00e4hrungsderivaten gesteuert und gro\u00dfteils geschlossen. Die gegenl\u00e4ufigen </span></div><div class=\"ps20608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungseffekte dieser Derivate werden dementsprechend im Posten Derivate ausgewiesen.</span></div><div class=\"ps20613 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-\u00c4nderungen aus Absicherungsinstrumenten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20609\">379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20610\">179<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-\u00c4nderungen aus abgesicherten Grundgesch\u00e4ften im Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20611\">-374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18774\">-170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erfolgswirksamer, ineffektiver Teil aus Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(6) Sonstiges betriebliches Ergebnis<span id=\"ib72937378e6d4239b823f3ac734da24f\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im sonstigen betrieblichen Ergebnis sind weitere Ergebnisbestandteile enthalten, die im Zusammenhang mit der operativen </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftst\u00e4tigkeit anfallen.</span></div><div class=\"ps20688 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung nicht modifizierter, nicht erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">bewerteter finanzieller Verm\u00f6genswerte und Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20564\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20623 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20624 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1497 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung von nicht zur Ver\u00e4u\u00dferung gehaltenen nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20626 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20625\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20628 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien (Investment Property)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20629 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20630 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20631 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20632 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20633 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20634 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20636 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20635\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20637 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20639 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20641 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20640\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus bankfremden Aktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20643 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20645 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20644\">-111<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20424\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20648 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20647\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20649 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20650 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20651 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20652 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Versicherungsvertr\u00e4gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20566\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20655 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1639 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Investment Property inkl. Operating Leasing (Immobilien)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20657 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20656\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20659 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20658\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Investment Property<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20660 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20662 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20664 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20663\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20665 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20666 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20667 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20669 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20671 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20672 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung sonstiger R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20673 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20675 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5217 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00dcbrige betriebliche Ertr\u00e4ge/Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20677 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20676\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20678 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20390\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20680\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20682\">473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20684 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">435<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20686 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20687 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-351<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(7) Verwaltungsaufwendungen<span id=\"i355bae8e591c469dbd9a71f8ca4209dc_1132\"></span><span id=\"id7805dfc4c1b4b2683bd74679ca423df\"></span></span></div><div class=\"ps20692 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Personalaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20251\">-2.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17492\">-2.053<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps778\">-1.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20691\">-1.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abschreibungen auf Sachanlagen und immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18393\">-506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18388\">-472<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20313\">-4.134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18499\">-3.786<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Personalaufwand<span id=\"i02524f92e6224b33bd230939327bbc64\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">L\u00f6hne und Geh\u00e4lter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20694\">-1.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps778\">-1.579<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Soziale Abgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20209\">-413<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20559\">-361<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Freiwilliger Sozialaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps804\">-71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">-65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr beitragsorientierte Pensionspl\u00e4ne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen/Ertr\u00e4ge f\u00fcr leistungsorientierte Pensionspl\u00e4ne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr andere langfristig f\u00e4llige Leistungen an Arbeitnehmer exkl. Bonusprogramme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Personalaufwand aus Bonusprogrammen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20697\">-2.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18811\">-2.053<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Personalaufwand nahm um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps20698\">294<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20699\"> Millionen auf \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20700\">2.347<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20701\"> Millionen zu. Zu Anstiegen kam es in nahezu allen L\u00e4ndern des <span class=\"f ps24\"> </span></span></div><div class=\"ps20703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns sowie in der Konzernzentrale. Dabei verzeichnete Russland einen Anstieg um \u20ac 175 Millionen aufgrund von </span></div><div class=\"ps20704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gehaltsanpassungen und aus Aufwendungen f\u00fcr Einmalzahlungen sowie der W\u00e4hrungsentwicklung. </span></div><div class=\"ps20705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aufwendungen f\u00fcr Abfertigungen und Pensionen<span id=\"i3bff0a36c13146b88616dd904409213f\"></span></span></div><div class=\"ps20706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen beitragsorientierter Vorsorgepl\u00e4ne entrichtet das Unternehmen festgelegte Beitr\u00e4ge an eine Pensionskasse.</span></div><div class=\"ps20710 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorstandsmitglieder und leitende Angestellte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere Arbeitnehmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20242\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20709\">-31<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sachaufwand<span id=\"i7cf94a83315c44baa70b0952748b5f02\"></span></span></div><div class=\"ps20721 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Raumaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20712\">-114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20205\">-108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">IT-Aufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20713\">-443<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20714\">-423<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechts- und Beratungsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18387\">-157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps5673\">-190<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Werbe- und Repr\u00e4sentationsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20715\">-128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20716\">-122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kommunikationsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20717\">-90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20718\">-80<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">B\u00fcroaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20204\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20204\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kfz-Aufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sicherheitsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">-25<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Reiseaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ausbildungsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige nicht ertragsabh\u00e4ngige Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiger Sachaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20719\">-146<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16744\">-1.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20512\">-1.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Aufwendungen f\u00fcr kurzfristige Leasingverh\u00e4ltnisse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20720\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Aufwendungen f\u00fcr Leasingverh\u00e4ltnisse geringwertiger Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Rechts- und Beratungsaufwand enthaltenen Honorare f\u00fcr die Abschlusspr\u00fcfer der RBI AG und der Tochterunternehmen </span></div><div class=\"ps20724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gliedern sich in Aufwendungen f\u00fcr die Abschlusspr\u00fcfung in H\u00f6he von \u20ac 8 Millionen (Vorjahr: \u20ac 8 Millionen) sowie Aufwendungen </span></div><div class=\"ps20725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Beratungsleistungen - vorwiegend Best\u00e4tigungsleistungen - in H\u00f6he von \u20ac 3 Millionen (Vorjahr: \u20ac\u00a03\u00a0Millionen). Davon </span></div><div class=\"ps20726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entfielen auf den Konzernabschlusspr\u00fcfer f\u00fcr Abschlusspr\u00fcfungen \u20ac 3 Millionen (Vorjahr: \u20ac\u00a03\u00a0Millionen) und f\u00fcr andere </span></div><div class=\"ps20727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beratungsleistungen \u20ac 1 Million (Vorjahr: \u20ac 1 Million). <span class=\"f ps24\"> </span></span></div><div class=\"ps20728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Abschreibungen auf Sachanlagen und immaterielle Verm\u00f6genswerte<span id=\"ib6c606cf55e941d6a257ecbd63da6ae1\"></span></span></div><div class=\"ps20733 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1225\">-244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20729\">-235<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20718\">-80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">-79<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20730\">-261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20731\">-237<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20732\">-506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1225\">-472<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-426": {
   "value": "<div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(1) Zins\u00fcberschuss<span id=\"i8557873a46414efeb0302a5039f02411\"></span></span></div><div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen und \u00e4hnliche Ertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus finanziellen Verm\u00f6genswerten wie Krediten oder festver-</span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zinslichen Wertpapieren sowie Zinsen und \u00e4hnliche Ertr\u00e4ge aus dem Handelsbestand. Zinsen und zins\u00e4hnliche Aufwendungen <span class=\"f ps24\"> </span></span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfassen vor allem Zinsaufwendungen f\u00fcr Einlagen, verbriefte Verbindlichkeiten und Nachrangkapital. Zinsertr\u00e4ge und <span class=\"f ps24\"> </span></span></div><div class=\"ps13868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsaufwendungen werden periodengerecht abgegrenzt. Negative Zinsen von Aktivposten werden im Zinsaufwand, negative </span></div><div class=\"ps13869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen von Passivposten werden im Zinsertrag ausgewiesen.</span></div><div class=\"ps20368 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsertr\u00e4ge nach Effektivzinsmethode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">7.596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18751\">8.170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">169<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20346\">7.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20347\">8.001<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsertr\u00e4ge \u00fcbrige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">2.312<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20348\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">214<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20351\">40<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivative - Hedge Accounting, Zinssatzrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20353\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">294<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">1.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20355\">1.752<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsertr\u00e4ge aus finanziellen Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20356\">-3.954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20357\">-4.702<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20231\">-3.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps4117\">-3.751<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1225\">-424<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20156\">-245<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivative - Hedge Accounting, Zinssatzrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">-649<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwendungen aus finanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20364\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20366\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20371 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-6d404c82 ps30\">Zins\u00fcberschuss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20369\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche zinstragende Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps9359\">198.836<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18509\">194.071<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozinsspanne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps19996\"></span><span class=\"ps19996\">2,95%</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps19959\"></span><span class=\"ps19959\">2,98%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zins\u00fcberschuss sind Zinsertr\u00e4ge in H\u00f6he von \u20ac 674 Millionen (Vorjahr: \u20ac 432 Millionen) von marktbewerteten finanziellen </span></div><div class=\"ps20373 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten und Zinsaufwendungen in H\u00f6he von \u20ac 462 Millionen (Vorjahr: \u20ac 282 Millionen) von marktbewerteten <span class=\"f ps24\"> </span></span></div><div class=\"ps20374 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Verbindlichkeiten enthalten.</span></div><div class=\"ps20375 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Zins\u00fcberschuss stieg um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1249\">95</span><span class=\"f charStyle-9eccfdcb ps1250\"> Millionen auf \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1251\">5.874</span><span class=\"f charStyle-9eccfdcb ps1252\"> Millionen. W\u00e4hrend der durchschnittliche Leitzinssatz in den meisten </span></div><div class=\"ps20376 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungen des Konzerns im Jahresvergleich sank (vor allem in EUR, CZK und HUF), stieg er im russischen Rubel, obwohl es in der </span></div><div class=\"ps20377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zweiten Jahresh\u00e4lfte zu Zinssenkungen kam. Das wachsende Gesch\u00e4ftsvolumen und Zuk\u00e4ufe von Staatsanleihen in nahezu </span></div><div class=\"ps20380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">allen L\u00e4ndern st\u00fctzten das Zinsergebnis. Die Nettozinsspanne verringerte sich infolge der Senkung der Marktzinsen um </span><span class=\"f charStyle-9eccfdcb ps20378\">2</span><span class=\"f charStyle-9eccfdcb ps20379\"> </span></div><div class=\"ps20383 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basispunkte auf </span><span class=\"f charStyle-9eccfdcb ps20381\">2,95</span><span class=\"f charStyle-9eccfdcb ps20382\"> Prozent.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-425": {
   "value": "<div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(1) Zins\u00fcberschuss<span id=\"i8557873a46414efeb0302a5039f02411\"></span></span></div><div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen und \u00e4hnliche Ertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus finanziellen Verm\u00f6genswerten wie Krediten oder festver-</span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zinslichen Wertpapieren sowie Zinsen und \u00e4hnliche Ertr\u00e4ge aus dem Handelsbestand. Zinsen und zins\u00e4hnliche Aufwendungen <span class=\"f ps24\"> </span></span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfassen vor allem Zinsaufwendungen f\u00fcr Einlagen, verbriefte Verbindlichkeiten und Nachrangkapital. Zinsertr\u00e4ge und <span class=\"f ps24\"> </span></span></div><div class=\"ps13868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsaufwendungen werden periodengerecht abgegrenzt. Negative Zinsen von Aktivposten werden im Zinsaufwand, negative </span></div><div class=\"ps13869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen von Passivposten werden im Zinsertrag ausgewiesen.</span></div><div class=\"ps20368 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsertr\u00e4ge nach Effektivzinsmethode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">7.596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18751\">8.170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">169<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20346\">7.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20347\">8.001<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsertr\u00e4ge \u00fcbrige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">2.312<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20348\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">214<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20351\">40<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivative - Hedge Accounting, Zinssatzrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20353\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">294<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">1.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20355\">1.752<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsertr\u00e4ge aus finanziellen Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20356\">-3.954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20357\">-4.702<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20231\">-3.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps4117\">-3.751<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1225\">-424<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20156\">-245<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivative - Hedge Accounting, Zinssatzrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">-649<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwendungen aus finanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20364\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20366\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20371 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-6d404c82 ps30\">Zins\u00fcberschuss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20369\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche zinstragende Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps9359\">198.836<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18509\">194.071<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozinsspanne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps19996\"></span><span class=\"ps19996\">2,95%</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps19959\"></span><span class=\"ps19959\">2,98%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zins\u00fcberschuss sind Zinsertr\u00e4ge in H\u00f6he von \u20ac 674 Millionen (Vorjahr: \u20ac 432 Millionen) von marktbewerteten finanziellen </span></div><div class=\"ps20373 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten und Zinsaufwendungen in H\u00f6he von \u20ac 462 Millionen (Vorjahr: \u20ac 282 Millionen) von marktbewerteten <span class=\"f ps24\"> </span></span></div><div class=\"ps20374 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Verbindlichkeiten enthalten.</span></div><div class=\"ps20375 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Zins\u00fcberschuss stieg um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1249\">95</span><span class=\"f charStyle-9eccfdcb ps1250\"> Millionen auf \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1251\">5.874</span><span class=\"f charStyle-9eccfdcb ps1252\"> Millionen. W\u00e4hrend der durchschnittliche Leitzinssatz in den meisten </span></div><div class=\"ps20376 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungen des Konzerns im Jahresvergleich sank (vor allem in EUR, CZK und HUF), stieg er im russischen Rubel, obwohl es in der </span></div><div class=\"ps20377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zweiten Jahresh\u00e4lfte zu Zinssenkungen kam. Das wachsende Gesch\u00e4ftsvolumen und Zuk\u00e4ufe von Staatsanleihen in nahezu </span></div><div class=\"ps20380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">allen L\u00e4ndern st\u00fctzten das Zinsergebnis. Die Nettozinsspanne verringerte sich infolge der Senkung der Marktzinsen um </span><span class=\"f charStyle-9eccfdcb ps20378\">2</span><span class=\"f charStyle-9eccfdcb ps20379\"> </span></div><div class=\"ps20383 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basispunkte auf </span><span class=\"f charStyle-9eccfdcb ps20381\">2,95</span><span class=\"f charStyle-9eccfdcb ps20382\"> Prozent.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-424": {
   "value": "<div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(1) Zins\u00fcberschuss<span id=\"i8557873a46414efeb0302a5039f02411\"></span></span></div><div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen und \u00e4hnliche Ertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus finanziellen Verm\u00f6genswerten wie Krediten oder festver-</span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zinslichen Wertpapieren sowie Zinsen und \u00e4hnliche Ertr\u00e4ge aus dem Handelsbestand. Zinsen und zins\u00e4hnliche Aufwendungen <span class=\"f ps24\"> </span></span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfassen vor allem Zinsaufwendungen f\u00fcr Einlagen, verbriefte Verbindlichkeiten und Nachrangkapital. Zinsertr\u00e4ge und <span class=\"f ps24\"> </span></span></div><div class=\"ps13868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsaufwendungen werden periodengerecht abgegrenzt. Negative Zinsen von Aktivposten werden im Zinsaufwand, negative </span></div><div class=\"ps13869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen von Passivposten werden im Zinsertrag ausgewiesen.</span></div><div class=\"ps20368 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsertr\u00e4ge nach Effektivzinsmethode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">7.596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18751\">8.170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">169<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20346\">7.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20347\">8.001<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsertr\u00e4ge \u00fcbrige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">2.312<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20348\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">214<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20351\">40<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivative - Hedge Accounting, Zinssatzrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20353\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">294<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">1.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20355\">1.752<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsertr\u00e4ge aus finanziellen Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20356\">-3.954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20357\">-4.702<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20231\">-3.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps4117\">-3.751<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1225\">-424<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20156\">-245<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivative - Hedge Accounting, Zinssatzrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">-649<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwendungen aus finanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20364\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20366\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20371 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-6d404c82 ps30\">Zins\u00fcberschuss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20369\">5.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">5.779<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche zinstragende Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps9359\">198.836<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18509\">194.071<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozinsspanne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps19996\"></span><span class=\"ps19996\">2,95%</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps19959\"></span><span class=\"ps19959\">2,98%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zins\u00fcberschuss sind Zinsertr\u00e4ge in H\u00f6he von \u20ac 674 Millionen (Vorjahr: \u20ac 432 Millionen) von marktbewerteten finanziellen </span></div><div class=\"ps20373 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten und Zinsaufwendungen in H\u00f6he von \u20ac 462 Millionen (Vorjahr: \u20ac 282 Millionen) von marktbewerteten <span class=\"f ps24\"> </span></span></div><div class=\"ps20374 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Verbindlichkeiten enthalten.</span></div><div class=\"ps20375 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Zins\u00fcberschuss stieg um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1249\">95</span><span class=\"f charStyle-9eccfdcb ps1250\"> Millionen auf \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1251\">5.874</span><span class=\"f charStyle-9eccfdcb ps1252\"> Millionen. W\u00e4hrend der durchschnittliche Leitzinssatz in den meisten </span></div><div class=\"ps20376 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungen des Konzerns im Jahresvergleich sank (vor allem in EUR, CZK und HUF), stieg er im russischen Rubel, obwohl es in der </span></div><div class=\"ps20377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zweiten Jahresh\u00e4lfte zu Zinssenkungen kam. Das wachsende Gesch\u00e4ftsvolumen und Zuk\u00e4ufe von Staatsanleihen in nahezu </span></div><div class=\"ps20380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">allen L\u00e4ndern st\u00fctzten das Zinsergebnis. Die Nettozinsspanne verringerte sich infolge der Senkung der Marktzinsen um </span><span class=\"f charStyle-9eccfdcb ps20378\">2</span><span class=\"f charStyle-9eccfdcb ps20379\"> </span></div><div class=\"ps20383 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basispunkte auf </span><span class=\"f charStyle-9eccfdcb ps20381\">2,95</span><span class=\"f charStyle-9eccfdcb ps20382\"> Prozent.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-430": {
   "value": "<div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen und \u00e4hnliche Ertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus finanziellen Verm\u00f6genswerten wie Krediten oder festver-</span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zinslichen Wertpapieren sowie Zinsen und \u00e4hnliche Ertr\u00e4ge aus dem Handelsbestand. Zinsen und zins\u00e4hnliche Aufwendungen <span class=\"f ps24\"> </span></span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfassen vor allem Zinsaufwendungen f\u00fcr Einlagen, verbriefte Verbindlichkeiten und Nachrangkapital. Zinsertr\u00e4ge und <span class=\"f ps24\"> </span></span></div><div class=\"ps13868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsaufwendungen werden periodengerecht abgegrenzt. Negative Zinsen von Aktivposten werden im Zinsaufwand, negative </span></div><div class=\"ps13869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen von Passivposten werden im Zinsertrag ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-429": {
   "value": "<div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen und \u00e4hnliche Ertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus finanziellen Verm\u00f6genswerten wie Krediten oder festver-</span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zinslichen Wertpapieren sowie Zinsen und \u00e4hnliche Ertr\u00e4ge aus dem Handelsbestand. Zinsen und zins\u00e4hnliche Aufwendungen <span class=\"f ps24\"> </span></span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfassen vor allem Zinsaufwendungen f\u00fcr Einlagen, verbriefte Verbindlichkeiten und Nachrangkapital. Zinsertr\u00e4ge und <span class=\"f ps24\"> </span></span></div><div class=\"ps13868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsaufwendungen werden periodengerecht abgegrenzt. Negative Zinsen von Aktivposten werden im Zinsaufwand, negative </span></div><div class=\"ps13869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen von Passivposten werden im Zinsertrag ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-428": {
   "value": "<div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen und \u00e4hnliche Ertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus finanziellen Verm\u00f6genswerten wie Krediten oder festver-</span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zinslichen Wertpapieren sowie Zinsen und \u00e4hnliche Ertr\u00e4ge aus dem Handelsbestand. Zinsen und zins\u00e4hnliche Aufwendungen <span class=\"f ps24\"> </span></span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfassen vor allem Zinsaufwendungen f\u00fcr Einlagen, verbriefte Verbindlichkeiten und Nachrangkapital. Zinsertr\u00e4ge und <span class=\"f ps24\"> </span></span></div><div class=\"ps13868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsaufwendungen werden periodengerecht abgegrenzt. Negative Zinsen von Aktivposten werden im Zinsaufwand, negative </span></div><div class=\"ps13869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen von Passivposten werden im Zinsertrag ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-431": {
   "value": "<div class=\"ps20384 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(2) Dividendenertr\u00e4ge<span id=\"i9a2b41d8a3f5410b8237057b54b2df79\"></span></span></div><div class=\"ps20385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dividenden aus Aktien, nicht vollkonsolidierten verbundenen Unternehmen, strategischen Beteiligungen sowie assoziierten </span></div><div class=\"ps20386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen, die nicht at-equity bilanziert werden, sind unter Dividendenertr\u00e4ge erfasst. Dividenden werden erfolgswirksam </span></div><div class=\"ps20387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst, wenn der Rechtsanspruch der RBI auf Zahlung entstanden ist.</span></div><div class=\"ps20392 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20388\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20390\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20391\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Dividende<span class=\"f ps24\"> </span><span id=\"if69bacbc85dc4bc09a1425ee874940ac\"></span></span></div><div class=\"ps23992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die ordentliche Hauptversammlung beschloss am 26. M\u00e4rz 2025 die Aussch\u00fcttung einer Dividende in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps934\">1,10</span><span class=\"f charStyle-9eccfdcb ps935\"> je </span></div><div class=\"ps23993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dividendenberechtigter Aktie f\u00fcr das Gesch\u00e4ftsjahr 2024. Dies entspricht einer Aussch\u00fcttungssumme in H\u00f6he von \u20ac 360.681.550. </span></div><div class=\"ps23994 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Dividendenvorschlag<span id=\"i4108340eec7d4ea48e45e200e4f5f312\"></span></span></div><div class=\"ps23995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand wird der Hauptversammlung am 9. April 2026 die Aussch\u00fcttung einer Dividende von \u20ac </span><span class=\"f charStyle-9eccfdcb ps938\">1,60</span><span class=\"f charStyle-9eccfdcb ps939\"> je Aktie vorschlagen. </span></div><div class=\"ps23996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daraus w\u00fcrde sich auf Basis der ausgegebenen Aktien ein Betrag von rund \u20ac </span><span class=\"f charStyle-9eccfdcb ps941\">525</span><span class=\"f charStyle-9eccfdcb ps942\"> Millionen errechnen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-432": {
   "value": "<div class=\"ps20385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dividenden aus Aktien, nicht vollkonsolidierten verbundenen Unternehmen, strategischen Beteiligungen sowie assoziierten </span></div><div class=\"ps20386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen, die nicht at-equity bilanziert werden, sind unter Dividendenertr\u00e4ge erfasst. Dividenden werden erfolgswirksam </span></div><div class=\"ps20387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst, wenn der Rechtsanspruch der RBI auf Zahlung entstanden ist.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-436": {
   "value": "<div class=\"ps20396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(4) Provisions\u00fcberschuss<span id=\"i682abb38bd4c49fcb6ec40bf527b0d8c\"></span></span></div><div class=\"ps20397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet das f\u00fcnfstufige Umsatzrealisierungsmodell in IFRS 15 - Erl\u00f6se aus Vertr\u00e4gen mit Kund:innen - f\u00fcr die Erfassung </span></div><div class=\"ps20398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Provisionseinnahmen an, wenn die vertragliche Leistungsverpflichtung gegen\u00fcber den Kund:innen erf\u00fcllt ist. Wenn </span></div><div class=\"ps20399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Vereinbarungen Teil eines Finanzinstruments nach IFRS 9 sind, werden die Instrumente zun\u00e4chst zum </span></div><div class=\"ps20400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert erfasst, bevor IFRS 15 angewendet wird. Dies ist manchmal bei Kreditzusagen der Fall, bei denen ein Teil </span></div><div class=\"ps20401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Provisionen je nach Ausnutzung gem\u00e4\u00df IFRS 9 als Teil der Effektivzinsmethode im Zinsergebnis bzw. bei Nicht-Ausnutzung </span></div><div class=\"ps20402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 15 im Provisionsergebnis ausgewiesen werden muss.</span></div><div class=\"ps20403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Geb\u00fchreneinnahmen vorwiegend aus Dienstleistungen generiert, die zu einem fixen Preis \u00fcber einen </span></div><div class=\"ps20404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum hinweg erbracht werden, wie z. B. Karten- und Girokontendienstleistungen oder auf Transaktionsbasis zu </span></div><div class=\"ps20405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Zeitpunkt, wie z. B. Devisen- und \u00dcberweisungsdienstleistungen. Bei Verm\u00f6gensverwaltungsgeb\u00fchren sind <span class=\"f ps24\"> </span></span></div><div class=\"ps20406 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Ertr\u00e4ge in der Regel variabel und h\u00e4ngen von Faktoren wie dem verwalteten Verm\u00f6gen und der Wertentwicklung der </span></div><div class=\"ps20407 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde liegenden Verm\u00f6genswerte ab. Variable Geb\u00fchren werden erfasst, wenn alle Unklarheiten, z. B. Preisnachl\u00e4sse oder </span></div><div class=\"ps20408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rabatte, ausger\u00e4umt und die Betr\u00e4ge bekannt sind. </span></div><div class=\"ps20409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden Transaktionen direkt im Auftrag der Kund:innen abgewickelt, werden die Geb\u00fchren auf Bruttobasis ausgewiesen. Tritt </span></div><div class=\"ps20410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI hingegen als Vermittler auf, werden die Geb\u00fchren abz\u00fcglich der Zahlungen an Dritte ausgewiesen.</span></div><div class=\"ps20411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entgelte f\u00fcr Fremdw\u00e4hrungs- und Zahlungsverkehrsdienstleistungen werden in der RBI zu dem Zeitpunkt erfasst, an dem die </span></div><div class=\"ps20412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistung f\u00fcr Kund:innen erbracht wurde. Geb\u00fchren, die \u00fcber einen bestimmten Zeitraum anfallen, werden \u00fcberwiegend </span></div><div class=\"ps20413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">linear \u00fcber die Vertragslaufzeit verteilt.</span></div><div class=\"ps20414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einigen F\u00e4llen bietet die RBI ein Paket von Dienstleistungen an (geb\u00fcndelte Dienstleistungen). Diese Dienstleistungen k\u00f6nnen </span></div><div class=\"ps20415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrere Leistungsverpflichtungen enthalten, die in der Regel voneinander abgrenzbar sind, wie z. B. <span class=\"f ps24\"> </span></span></div><div class=\"ps20416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontokorrentdienstleistungen, bei denen die Geb\u00fchr den einzelnen Leistungsverpflichtungen zugeordnet wird.</span></div><div class=\"ps20417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber keine Finanzierungsvereinbarungen sowie \u00fcber keine wesentlichen Verm\u00f6genswerte oder Verbindlich-</span></div><div class=\"ps20418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keiten aus langfristigen Vertr\u00e4gen im Zusammenhang mit IFRS 15. Die Bank hat keine Aufwendungen im Zusammenhang mit </span></div><div class=\"ps20419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Vertr\u00e4gen mit Kund:innen, die unter IFRS 15 fallen, aktiviert. Geb\u00fchren werden als Aufwand verbucht, wenn die </span></div><div class=\"ps20420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistungen in Anspruch genommen werden.</span></div><div class=\"ps20427 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20122\">954<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20424\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">138<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">897<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">789<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20426\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20321\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss nahm um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1277\">93</span><span class=\"f charStyle-9eccfdcb ps1278\"> Millionen auf \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1279\">2.731</span><span class=\"f charStyle-9eccfdcb ps1280\"> Millionen zu. In den meisten L\u00e4ndern des Konzerns wurden </span></div><div class=\"ps20429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zuw\u00e4chse erzielt, wobei die gr\u00f6\u00dften Steigerungen in Rum\u00e4nien, Ungarn und Tschechien zu verzeichnen waren, w\u00e4hrend es in </span></div><div class=\"ps20430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland zu einem R\u00fcckgang von \u20ac 64 Millionen kam. </span></div><div class=\"ps20431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss aus finanziellen Verm\u00f6genswerten und Verbindlichkeiten, die nicht erfolgswirksam zum Fair Value </span></div><div class=\"ps20432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden, betrug \u20ac 1.956 Millionen (Vorjahr: \u20ac 1.848 Millionen). </span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10762\">980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20437\">807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18418\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps229\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18735\">923<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10428\">135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9355\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9615\">3.767<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7441\">453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20444\">485<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12750\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20451\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20453\">1.495<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10737\">107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9380\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20131\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12496\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12850\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10573\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps208\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps8904\">323<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18543\">264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13440\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17240\">132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12183\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20479\">638<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1714\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11495\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20167\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20487\">273<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10738\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18513\">371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12790\">487<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps13931\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps227\">118<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12732\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10113\">471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7128\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20512\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1621\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17134\">965<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps314\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20515\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3067\">136<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11553\">-277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3828\">-233<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13106\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps20518\">-323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">-75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20522\">-1.036<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11975\">703<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps292\">574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10730\">729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20524\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps10479\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps231\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20528\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1119\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20549 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3306\">862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20532\">724<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps17977\">957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20533\">192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4123\">933<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10652\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9420\">3.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12957\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12899\">292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10710\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12875\">1.499<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10711\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20534\">388<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1667\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17154\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11153\">196<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps181\">134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20535\">310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10414\">234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10735\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">604<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1691\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20537\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20538\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13099\">257<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20539\">118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1222\">221<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps483\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20540\">365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">460<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10370\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9388\">110<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps441\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps179\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10571\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9376\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20541\">377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20542\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps292\">860<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps202\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20543\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20544\">-240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6022\">-217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20545\">-164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20546\">-125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps17557\">-344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13355\">-66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18670\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9226\">-1.042<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20479\">622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11973\">506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11957\">793<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18767\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20548\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1828\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(6) Sonstiges betriebliches Ergebnis<span id=\"ib72937378e6d4239b823f3ac734da24f\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im sonstigen betrieblichen Ergebnis sind weitere Ergebnisbestandteile enthalten, die im Zusammenhang mit der operativen </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftst\u00e4tigkeit anfallen.</span></div><div class=\"ps20688 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung nicht modifizierter, nicht erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">bewerteter finanzieller Verm\u00f6genswerte und Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20564\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20623 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20624 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1497 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung von nicht zur Ver\u00e4u\u00dferung gehaltenen nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20626 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20625\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20628 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien (Investment Property)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20629 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20630 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20631 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20632 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20633 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20634 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20636 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20635\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20637 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20639 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20641 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20640\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus bankfremden Aktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20643 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20645 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20644\">-111<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20424\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20648 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20647\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20649 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20650 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20651 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20652 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Versicherungsvertr\u00e4gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20566\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20655 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1639 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Investment Property inkl. Operating Leasing (Immobilien)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20657 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20656\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20659 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20658\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Investment Property<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20660 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20662 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20664 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20663\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20665 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20666 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20667 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20669 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20671 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20672 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung sonstiger R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20673 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20675 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5217 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00dcbrige betriebliche Ertr\u00e4ge/Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20677 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20676\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20678 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20390\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20680\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20682\">473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20684 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">435<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20686 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20687 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-351<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-435": {
   "value": "<div class=\"ps20396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(4) Provisions\u00fcberschuss<span id=\"i682abb38bd4c49fcb6ec40bf527b0d8c\"></span></span></div><div class=\"ps20397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet das f\u00fcnfstufige Umsatzrealisierungsmodell in IFRS 15 - Erl\u00f6se aus Vertr\u00e4gen mit Kund:innen - f\u00fcr die Erfassung </span></div><div class=\"ps20398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Provisionseinnahmen an, wenn die vertragliche Leistungsverpflichtung gegen\u00fcber den Kund:innen erf\u00fcllt ist. Wenn </span></div><div class=\"ps20399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Vereinbarungen Teil eines Finanzinstruments nach IFRS 9 sind, werden die Instrumente zun\u00e4chst zum </span></div><div class=\"ps20400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert erfasst, bevor IFRS 15 angewendet wird. Dies ist manchmal bei Kreditzusagen der Fall, bei denen ein Teil </span></div><div class=\"ps20401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Provisionen je nach Ausnutzung gem\u00e4\u00df IFRS 9 als Teil der Effektivzinsmethode im Zinsergebnis bzw. bei Nicht-Ausnutzung </span></div><div class=\"ps20402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 15 im Provisionsergebnis ausgewiesen werden muss.</span></div><div class=\"ps20403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Geb\u00fchreneinnahmen vorwiegend aus Dienstleistungen generiert, die zu einem fixen Preis \u00fcber einen </span></div><div class=\"ps20404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum hinweg erbracht werden, wie z. B. Karten- und Girokontendienstleistungen oder auf Transaktionsbasis zu </span></div><div class=\"ps20405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Zeitpunkt, wie z. B. Devisen- und \u00dcberweisungsdienstleistungen. Bei Verm\u00f6gensverwaltungsgeb\u00fchren sind <span class=\"f ps24\"> </span></span></div><div class=\"ps20406 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Ertr\u00e4ge in der Regel variabel und h\u00e4ngen von Faktoren wie dem verwalteten Verm\u00f6gen und der Wertentwicklung der </span></div><div class=\"ps20407 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde liegenden Verm\u00f6genswerte ab. Variable Geb\u00fchren werden erfasst, wenn alle Unklarheiten, z. B. Preisnachl\u00e4sse oder </span></div><div class=\"ps20408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rabatte, ausger\u00e4umt und die Betr\u00e4ge bekannt sind. </span></div><div class=\"ps20409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden Transaktionen direkt im Auftrag der Kund:innen abgewickelt, werden die Geb\u00fchren auf Bruttobasis ausgewiesen. Tritt </span></div><div class=\"ps20410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI hingegen als Vermittler auf, werden die Geb\u00fchren abz\u00fcglich der Zahlungen an Dritte ausgewiesen.</span></div><div class=\"ps20411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entgelte f\u00fcr Fremdw\u00e4hrungs- und Zahlungsverkehrsdienstleistungen werden in der RBI zu dem Zeitpunkt erfasst, an dem die </span></div><div class=\"ps20412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistung f\u00fcr Kund:innen erbracht wurde. Geb\u00fchren, die \u00fcber einen bestimmten Zeitraum anfallen, werden \u00fcberwiegend </span></div><div class=\"ps20413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">linear \u00fcber die Vertragslaufzeit verteilt.</span></div><div class=\"ps20414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einigen F\u00e4llen bietet die RBI ein Paket von Dienstleistungen an (geb\u00fcndelte Dienstleistungen). Diese Dienstleistungen k\u00f6nnen </span></div><div class=\"ps20415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrere Leistungsverpflichtungen enthalten, die in der Regel voneinander abgrenzbar sind, wie z. B. <span class=\"f ps24\"> </span></span></div><div class=\"ps20416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontokorrentdienstleistungen, bei denen die Geb\u00fchr den einzelnen Leistungsverpflichtungen zugeordnet wird.</span></div><div class=\"ps20417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber keine Finanzierungsvereinbarungen sowie \u00fcber keine wesentlichen Verm\u00f6genswerte oder Verbindlich-</span></div><div class=\"ps20418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keiten aus langfristigen Vertr\u00e4gen im Zusammenhang mit IFRS 15. Die Bank hat keine Aufwendungen im Zusammenhang mit </span></div><div class=\"ps20419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Vertr\u00e4gen mit Kund:innen, die unter IFRS 15 fallen, aktiviert. Geb\u00fchren werden als Aufwand verbucht, wenn die </span></div><div class=\"ps20420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistungen in Anspruch genommen werden.</span></div><div class=\"ps20427 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20122\">954<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20424\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">138<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">897<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">789<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20426\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20321\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss nahm um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1277\">93</span><span class=\"f charStyle-9eccfdcb ps1278\"> Millionen auf \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1279\">2.731</span><span class=\"f charStyle-9eccfdcb ps1280\"> Millionen zu. In den meisten L\u00e4ndern des Konzerns wurden </span></div><div class=\"ps20429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zuw\u00e4chse erzielt, wobei die gr\u00f6\u00dften Steigerungen in Rum\u00e4nien, Ungarn und Tschechien zu verzeichnen waren, w\u00e4hrend es in </span></div><div class=\"ps20430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland zu einem R\u00fcckgang von \u20ac 64 Millionen kam. </span></div><div class=\"ps20431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss aus finanziellen Verm\u00f6genswerten und Verbindlichkeiten, die nicht erfolgswirksam zum Fair Value </span></div><div class=\"ps20432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden, betrug \u20ac 1.956 Millionen (Vorjahr: \u20ac 1.848 Millionen). </span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10762\">980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20437\">807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18418\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps229\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18735\">923<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10428\">135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9355\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9615\">3.767<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7441\">453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20444\">485<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12750\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20451\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20453\">1.495<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10737\">107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9380\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20131\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12496\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12850\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10573\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps208\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps8904\">323<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18543\">264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13440\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17240\">132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12183\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20479\">638<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1714\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11495\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20167\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20487\">273<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10738\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18513\">371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12790\">487<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps13931\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps227\">118<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12732\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10113\">471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7128\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20512\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1621\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17134\">965<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps314\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20515\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3067\">136<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11553\">-277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3828\">-233<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13106\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps20518\">-323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">-75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20522\">-1.036<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11975\">703<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps292\">574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10730\">729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20524\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps10479\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps231\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20528\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1119\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20549 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3306\">862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20532\">724<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps17977\">957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20533\">192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4123\">933<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10652\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9420\">3.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12957\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12899\">292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10710\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12875\">1.499<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10711\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20534\">388<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1667\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17154\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11153\">196<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps181\">134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20535\">310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10414\">234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10735\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">604<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1691\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20537\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20538\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13099\">257<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20539\">118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1222\">221<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps483\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20540\">365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">460<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10370\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9388\">110<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps441\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps179\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10571\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9376\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20541\">377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20542\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps292\">860<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps202\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20543\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20544\">-240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6022\">-217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20545\">-164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20546\">-125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps17557\">-344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13355\">-66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18670\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9226\">-1.042<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20479\">622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11973\">506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11957\">793<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18767\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20548\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1828\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-434": {
   "value": "<div class=\"ps20396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(4) Provisions\u00fcberschuss<span id=\"i682abb38bd4c49fcb6ec40bf527b0d8c\"></span></span></div><div class=\"ps20397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet das f\u00fcnfstufige Umsatzrealisierungsmodell in IFRS 15 - Erl\u00f6se aus Vertr\u00e4gen mit Kund:innen - f\u00fcr die Erfassung </span></div><div class=\"ps20398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Provisionseinnahmen an, wenn die vertragliche Leistungsverpflichtung gegen\u00fcber den Kund:innen erf\u00fcllt ist. Wenn </span></div><div class=\"ps20399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Vereinbarungen Teil eines Finanzinstruments nach IFRS 9 sind, werden die Instrumente zun\u00e4chst zum </span></div><div class=\"ps20400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert erfasst, bevor IFRS 15 angewendet wird. Dies ist manchmal bei Kreditzusagen der Fall, bei denen ein Teil </span></div><div class=\"ps20401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Provisionen je nach Ausnutzung gem\u00e4\u00df IFRS 9 als Teil der Effektivzinsmethode im Zinsergebnis bzw. bei Nicht-Ausnutzung </span></div><div class=\"ps20402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 15 im Provisionsergebnis ausgewiesen werden muss.</span></div><div class=\"ps20403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Geb\u00fchreneinnahmen vorwiegend aus Dienstleistungen generiert, die zu einem fixen Preis \u00fcber einen </span></div><div class=\"ps20404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum hinweg erbracht werden, wie z. B. Karten- und Girokontendienstleistungen oder auf Transaktionsbasis zu </span></div><div class=\"ps20405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Zeitpunkt, wie z. B. Devisen- und \u00dcberweisungsdienstleistungen. Bei Verm\u00f6gensverwaltungsgeb\u00fchren sind <span class=\"f ps24\"> </span></span></div><div class=\"ps20406 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Ertr\u00e4ge in der Regel variabel und h\u00e4ngen von Faktoren wie dem verwalteten Verm\u00f6gen und der Wertentwicklung der </span></div><div class=\"ps20407 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde liegenden Verm\u00f6genswerte ab. Variable Geb\u00fchren werden erfasst, wenn alle Unklarheiten, z. B. Preisnachl\u00e4sse oder </span></div><div class=\"ps20408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rabatte, ausger\u00e4umt und die Betr\u00e4ge bekannt sind. </span></div><div class=\"ps20409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden Transaktionen direkt im Auftrag der Kund:innen abgewickelt, werden die Geb\u00fchren auf Bruttobasis ausgewiesen. Tritt </span></div><div class=\"ps20410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI hingegen als Vermittler auf, werden die Geb\u00fchren abz\u00fcglich der Zahlungen an Dritte ausgewiesen.</span></div><div class=\"ps20411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entgelte f\u00fcr Fremdw\u00e4hrungs- und Zahlungsverkehrsdienstleistungen werden in der RBI zu dem Zeitpunkt erfasst, an dem die </span></div><div class=\"ps20412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistung f\u00fcr Kund:innen erbracht wurde. Geb\u00fchren, die \u00fcber einen bestimmten Zeitraum anfallen, werden \u00fcberwiegend </span></div><div class=\"ps20413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">linear \u00fcber die Vertragslaufzeit verteilt.</span></div><div class=\"ps20414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einigen F\u00e4llen bietet die RBI ein Paket von Dienstleistungen an (geb\u00fcndelte Dienstleistungen). Diese Dienstleistungen k\u00f6nnen </span></div><div class=\"ps20415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrere Leistungsverpflichtungen enthalten, die in der Regel voneinander abgrenzbar sind, wie z. B. <span class=\"f ps24\"> </span></span></div><div class=\"ps20416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontokorrentdienstleistungen, bei denen die Geb\u00fchr den einzelnen Leistungsverpflichtungen zugeordnet wird.</span></div><div class=\"ps20417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber keine Finanzierungsvereinbarungen sowie \u00fcber keine wesentlichen Verm\u00f6genswerte oder Verbindlich-</span></div><div class=\"ps20418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keiten aus langfristigen Vertr\u00e4gen im Zusammenhang mit IFRS 15. Die Bank hat keine Aufwendungen im Zusammenhang mit </span></div><div class=\"ps20419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Vertr\u00e4gen mit Kund:innen, die unter IFRS 15 fallen, aktiviert. Geb\u00fchren werden als Aufwand verbucht, wenn die </span></div><div class=\"ps20420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistungen in Anspruch genommen werden.</span></div><div class=\"ps20427 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20122\">954<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20424\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">138<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">897<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">789<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20426\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20321\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss nahm um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1277\">93</span><span class=\"f charStyle-9eccfdcb ps1278\"> Millionen auf \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1279\">2.731</span><span class=\"f charStyle-9eccfdcb ps1280\"> Millionen zu. In den meisten L\u00e4ndern des Konzerns wurden </span></div><div class=\"ps20429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zuw\u00e4chse erzielt, wobei die gr\u00f6\u00dften Steigerungen in Rum\u00e4nien, Ungarn und Tschechien zu verzeichnen waren, w\u00e4hrend es in </span></div><div class=\"ps20430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland zu einem R\u00fcckgang von \u20ac 64 Millionen kam. </span></div><div class=\"ps20431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss aus finanziellen Verm\u00f6genswerten und Verbindlichkeiten, die nicht erfolgswirksam zum Fair Value </span></div><div class=\"ps20432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden, betrug \u20ac 1.956 Millionen (Vorjahr: \u20ac 1.848 Millionen). </span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10762\">980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20437\">807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18418\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps229\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18735\">923<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10428\">135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9355\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9615\">3.767<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7441\">453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20444\">485<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12750\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20451\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20453\">1.495<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10737\">107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9380\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20131\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12496\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12850\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10573\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps208\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps8904\">323<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18543\">264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13440\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17240\">132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12183\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20479\">638<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1714\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11495\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20167\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20487\">273<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10738\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18513\">371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12790\">487<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps13931\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps227\">118<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12732\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10113\">471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7128\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20512\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1621\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17134\">965<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps314\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20515\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3067\">136<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11553\">-277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3828\">-233<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13106\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps20518\">-323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">-75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20522\">-1.036<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11975\">703<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps292\">574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10730\">729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20524\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps10479\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps231\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20528\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1119\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20549 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3306\">862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20532\">724<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps17977\">957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20533\">192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4123\">933<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10652\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9420\">3.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12957\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12899\">292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10710\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12875\">1.499<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10711\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20534\">388<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1667\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17154\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11153\">196<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps181\">134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20535\">310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10414\">234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10735\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">604<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1691\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20537\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20538\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13099\">257<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20539\">118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1222\">221<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps483\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20540\">365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">460<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10370\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9388\">110<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps441\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps179\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10571\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9376\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20541\">377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20542\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps292\">860<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps202\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20543\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20544\">-240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6022\">-217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20545\">-164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20546\">-125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps17557\">-344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13355\">-66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18670\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9226\">-1.042<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20479\">622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11973\">506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11957\">793<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18767\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20548\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1828\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(6) Sonstiges betriebliches Ergebnis<span id=\"ib72937378e6d4239b823f3ac734da24f\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im sonstigen betrieblichen Ergebnis sind weitere Ergebnisbestandteile enthalten, die im Zusammenhang mit der operativen </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftst\u00e4tigkeit anfallen.</span></div><div class=\"ps20688 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung nicht modifizierter, nicht erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">bewerteter finanzieller Verm\u00f6genswerte und Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20564\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20623 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20624 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1497 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung von nicht zur Ver\u00e4u\u00dferung gehaltenen nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20626 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20625\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20628 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien (Investment Property)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20629 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20630 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20631 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20632 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20633 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20634 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20636 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20635\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20637 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20639 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20641 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20640\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus bankfremden Aktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20643 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20645 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20644\">-111<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20424\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20648 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20647\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20649 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20650 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20651 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20652 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Versicherungsvertr\u00e4gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20566\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20655 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1639 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Investment Property inkl. Operating Leasing (Immobilien)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20657 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20656\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20659 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20658\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Investment Property<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20660 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20662 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20664 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20663\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20665 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20666 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20667 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20669 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20671 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20672 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung sonstiger R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20673 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20675 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5217 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00dcbrige betriebliche Ertr\u00e4ge/Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20677 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20676\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20678 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20390\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20680\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20682\">473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20684 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">435<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20686 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20687 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-351<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(7) Verwaltungsaufwendungen<span id=\"i355bae8e591c469dbd9a71f8ca4209dc_1132\"></span><span id=\"id7805dfc4c1b4b2683bd74679ca423df\"></span></span></div><div class=\"ps20692 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Personalaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20251\">-2.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17492\">-2.053<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps778\">-1.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20691\">-1.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abschreibungen auf Sachanlagen und immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18393\">-506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18388\">-472<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20313\">-4.134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18499\">-3.786<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Personalaufwand<span id=\"i02524f92e6224b33bd230939327bbc64\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">L\u00f6hne und Geh\u00e4lter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20694\">-1.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps778\">-1.579<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Soziale Abgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20209\">-413<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20559\">-361<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Freiwilliger Sozialaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps804\">-71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">-65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr beitragsorientierte Pensionspl\u00e4ne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen/Ertr\u00e4ge f\u00fcr leistungsorientierte Pensionspl\u00e4ne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr andere langfristig f\u00e4llige Leistungen an Arbeitnehmer exkl. Bonusprogramme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Personalaufwand aus Bonusprogrammen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20697\">-2.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18811\">-2.053<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Personalaufwand nahm um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps20698\">294<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20699\"> Millionen auf \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20700\">2.347<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20701\"> Millionen zu. Zu Anstiegen kam es in nahezu allen L\u00e4ndern des <span class=\"f ps24\"> </span></span></div><div class=\"ps20703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns sowie in der Konzernzentrale. Dabei verzeichnete Russland einen Anstieg um \u20ac 175 Millionen aufgrund von </span></div><div class=\"ps20704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gehaltsanpassungen und aus Aufwendungen f\u00fcr Einmalzahlungen sowie der W\u00e4hrungsentwicklung. </span></div><div class=\"ps20705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aufwendungen f\u00fcr Abfertigungen und Pensionen<span id=\"i3bff0a36c13146b88616dd904409213f\"></span></span></div><div class=\"ps20706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen beitragsorientierter Vorsorgepl\u00e4ne entrichtet das Unternehmen festgelegte Beitr\u00e4ge an eine Pensionskasse.</span></div><div class=\"ps20710 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorstandsmitglieder und leitende Angestellte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere Arbeitnehmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20242\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20709\">-31<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sachaufwand<span id=\"i7cf94a83315c44baa70b0952748b5f02\"></span></span></div><div class=\"ps20721 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Raumaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20712\">-114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20205\">-108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">IT-Aufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20713\">-443<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20714\">-423<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechts- und Beratungsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18387\">-157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps5673\">-190<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Werbe- und Repr\u00e4sentationsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20715\">-128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20716\">-122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kommunikationsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20717\">-90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20718\">-80<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">B\u00fcroaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20204\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20204\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kfz-Aufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sicherheitsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">-25<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Reiseaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ausbildungsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige nicht ertragsabh\u00e4ngige Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiger Sachaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20719\">-146<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16744\">-1.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20512\">-1.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Aufwendungen f\u00fcr kurzfristige Leasingverh\u00e4ltnisse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20720\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Aufwendungen f\u00fcr Leasingverh\u00e4ltnisse geringwertiger Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Rechts- und Beratungsaufwand enthaltenen Honorare f\u00fcr die Abschlusspr\u00fcfer der RBI AG und der Tochterunternehmen </span></div><div class=\"ps20724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gliedern sich in Aufwendungen f\u00fcr die Abschlusspr\u00fcfung in H\u00f6he von \u20ac 8 Millionen (Vorjahr: \u20ac 8 Millionen) sowie Aufwendungen </span></div><div class=\"ps20725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Beratungsleistungen - vorwiegend Best\u00e4tigungsleistungen - in H\u00f6he von \u20ac 3 Millionen (Vorjahr: \u20ac\u00a03\u00a0Millionen). Davon </span></div><div class=\"ps20726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entfielen auf den Konzernabschlusspr\u00fcfer f\u00fcr Abschlusspr\u00fcfungen \u20ac 3 Millionen (Vorjahr: \u20ac\u00a03\u00a0Millionen) und f\u00fcr andere </span></div><div class=\"ps20727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beratungsleistungen \u20ac 1 Million (Vorjahr: \u20ac 1 Million). <span class=\"f ps24\"> </span></span></div><div class=\"ps20728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Abschreibungen auf Sachanlagen und immaterielle Verm\u00f6genswerte<span id=\"ib6c606cf55e941d6a257ecbd63da6ae1\"></span></span></div><div class=\"ps20733 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1225\">-244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20729\">-235<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20718\">-80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">-79<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20730\">-261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20731\">-237<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20732\">-506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1225\">-472<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(9) Staatliche Ma\u00dfnahmen und Pflichtabgaben<span id=\"i599a6f50ed6942be9bbed6129da273da\"></span></span></div><div class=\"ps20772 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Staatliche Ma\u00dfnahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19924\">-178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20770\">-113<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Bankenabgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20016\">-178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1148\">-113<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Pflichtabgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20771\">-103<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Bankenabwicklungsfonds<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20720\">-15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Beitr\u00e4ge zur Einlagensicherung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">-87<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Pflichtabgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1225\">-270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18721\">-216<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bankenabgabe erh\u00f6hte sich um \u20ac </span><span class=\"f charStyle-9eccfdcb ps20773\">65<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20774\"> Millionen. Dies war \u00fcberwiegend auf einen Anstieg um \u20ac</span><span class=\"f charStyle-9eccfdcb ps20775\">\u00a052</span><span class=\"f charStyle-9eccfdcb ps20776\"> Millionen in der </span></div><div class=\"ps20778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernzentrale zur\u00fcckzuf\u00fchren, bedingt durch die im ersten Quartal 2025 erfolgte Erh\u00f6hung der Stabilit\u00e4tsabgabe in </span></div><div class=\"ps20779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich. <span class=\"f ps24\"> </span></span></div><div class=\"ps20780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\"> </span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(10) Wertminderungen auf finanzielle Verm\u00f6genswerte<span id=\"if8254af0821442258e600dc211b9582b\"></span></span></div><div class=\"ps20781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Wertminderungen auf finanzielle Verm\u00f6genswerte umfassen Wertminderungen auf erfolgsneutral zum Fair Value </span></div><div class=\"ps20782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertete finanzielle Verm\u00f6genswerte und Wertminderungen auf zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle </span></div><div class=\"ps20783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte.</span></div><div class=\"ps20787 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps5673\">-109<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20188\">-238<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20784\">88<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19280\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">25<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20138\">-141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20129\">-125<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20785\">-48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20786\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18477\">-101<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Berichtsperiode betrafen die Nettodotierungen haupts\u00e4chlich die Konzernzentrale mit \u20ac 157 Millionen (Vorjahr: \u20ac 190 </span></div><div class=\"ps20791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen), vor allem Nicht-Finanzunternehmen in Stage 3. In S\u00fcdosteuropa wurden Wertminderungen in H\u00f6he von netto \u20ac<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20789\">\u00a0</span><span class=\"f charStyle-9eccfdcb ps20790\">51 </span></div><div class=\"ps20792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (Vorjahr: netto \u20ac 19 Millionen) gebildet, \u00fcberwiegend in Rum\u00e4nien. In Zentraleuropa kam es zu einer geringeren </span></div><div class=\"ps20793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettodotierung von \u20ac 7 Millionen (Vorjahr: Nettoaufl\u00f6sung von \u20ac 8 Millionen). Dem standen Nettoaufl\u00f6sungen in Russland (\u20ac 51 </span></div><div class=\"ps20794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) und in der Ukraine (\u20ac 48 Millionen) gegen\u00fcber.</span></div><div class=\"ps20795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr ausgefallene Kredite (Stage 3) wurden in der Berichtsperiode Wertminderungen von netto \u20ac\u00a0247 Millionen (Vorjahr: netto </span></div><div class=\"ps20796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0491 Millionen) gebildet, davon entfielen \u20ac\u00a0138 Millionen auf Nicht-Finanzunternehmen und \u20ac 123 Millionen auf Haushalte. Auf </span></div><div class=\"ps20797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">L\u00e4nderebene wurden die Wertminderungen in Stage 3 am st\u00e4rksten von der Konzernzentrale (\u20ac 103 Millionen) und Russland </span></div><div class=\"ps20798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u20ac\u00a076 Millionen) verursacht. In Stage 1 und Stage 2 wurden in der Berichtsperiode Nettoaufl\u00f6sungen in H\u00f6he von netto \u20ac 106 </span></div><div class=\"ps20799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen ausgewiesen (Vorjahr: Nettoaufl\u00f6sungen</span><span class=\"f charStyle-9eccfdcb ps1402\"> in H\u00f6he von</span><span class=\"f charStyle-9eccfdcb ps1403\"> \u20ac 366 Millionen), vor allem in Russland.</span></div><div class=\"ps20802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Details sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps20800\">(13) Finanzielle Verm\u00f6genswerte \u2013 Amortized Cost </span><span class=\"f charStyle-9eccfdcb ps20801\">enthalten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-433": {
   "value": "<div class=\"ps20396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(4) Provisions\u00fcberschuss<span id=\"i682abb38bd4c49fcb6ec40bf527b0d8c\"></span></span></div><div class=\"ps20397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet das f\u00fcnfstufige Umsatzrealisierungsmodell in IFRS 15 - Erl\u00f6se aus Vertr\u00e4gen mit Kund:innen - f\u00fcr die Erfassung </span></div><div class=\"ps20398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Provisionseinnahmen an, wenn die vertragliche Leistungsverpflichtung gegen\u00fcber den Kund:innen erf\u00fcllt ist. Wenn </span></div><div class=\"ps20399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Vereinbarungen Teil eines Finanzinstruments nach IFRS 9 sind, werden die Instrumente zun\u00e4chst zum </span></div><div class=\"ps20400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert erfasst, bevor IFRS 15 angewendet wird. Dies ist manchmal bei Kreditzusagen der Fall, bei denen ein Teil </span></div><div class=\"ps20401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Provisionen je nach Ausnutzung gem\u00e4\u00df IFRS 9 als Teil der Effektivzinsmethode im Zinsergebnis bzw. bei Nicht-Ausnutzung </span></div><div class=\"ps20402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 15 im Provisionsergebnis ausgewiesen werden muss.</span></div><div class=\"ps20403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Geb\u00fchreneinnahmen vorwiegend aus Dienstleistungen generiert, die zu einem fixen Preis \u00fcber einen </span></div><div class=\"ps20404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum hinweg erbracht werden, wie z. B. Karten- und Girokontendienstleistungen oder auf Transaktionsbasis zu </span></div><div class=\"ps20405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Zeitpunkt, wie z. B. Devisen- und \u00dcberweisungsdienstleistungen. Bei Verm\u00f6gensverwaltungsgeb\u00fchren sind <span class=\"f ps24\"> </span></span></div><div class=\"ps20406 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Ertr\u00e4ge in der Regel variabel und h\u00e4ngen von Faktoren wie dem verwalteten Verm\u00f6gen und der Wertentwicklung der </span></div><div class=\"ps20407 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde liegenden Verm\u00f6genswerte ab. Variable Geb\u00fchren werden erfasst, wenn alle Unklarheiten, z. B. Preisnachl\u00e4sse oder </span></div><div class=\"ps20408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rabatte, ausger\u00e4umt und die Betr\u00e4ge bekannt sind. </span></div><div class=\"ps20409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden Transaktionen direkt im Auftrag der Kund:innen abgewickelt, werden die Geb\u00fchren auf Bruttobasis ausgewiesen. Tritt </span></div><div class=\"ps20410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI hingegen als Vermittler auf, werden die Geb\u00fchren abz\u00fcglich der Zahlungen an Dritte ausgewiesen.</span></div><div class=\"ps20411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entgelte f\u00fcr Fremdw\u00e4hrungs- und Zahlungsverkehrsdienstleistungen werden in der RBI zu dem Zeitpunkt erfasst, an dem die </span></div><div class=\"ps20412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistung f\u00fcr Kund:innen erbracht wurde. Geb\u00fchren, die \u00fcber einen bestimmten Zeitraum anfallen, werden \u00fcberwiegend </span></div><div class=\"ps20413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">linear \u00fcber die Vertragslaufzeit verteilt.</span></div><div class=\"ps20414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einigen F\u00e4llen bietet die RBI ein Paket von Dienstleistungen an (geb\u00fcndelte Dienstleistungen). Diese Dienstleistungen k\u00f6nnen </span></div><div class=\"ps20415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrere Leistungsverpflichtungen enthalten, die in der Regel voneinander abgrenzbar sind, wie z. B. <span class=\"f ps24\"> </span></span></div><div class=\"ps20416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontokorrentdienstleistungen, bei denen die Geb\u00fchr den einzelnen Leistungsverpflichtungen zugeordnet wird.</span></div><div class=\"ps20417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber keine Finanzierungsvereinbarungen sowie \u00fcber keine wesentlichen Verm\u00f6genswerte oder Verbindlich-</span></div><div class=\"ps20418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keiten aus langfristigen Vertr\u00e4gen im Zusammenhang mit IFRS 15. Die Bank hat keine Aufwendungen im Zusammenhang mit </span></div><div class=\"ps20419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Vertr\u00e4gen mit Kund:innen, die unter IFRS 15 fallen, aktiviert. Geb\u00fchren werden als Aufwand verbucht, wenn die </span></div><div class=\"ps20420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistungen in Anspruch genommen werden.</span></div><div class=\"ps20427 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20122\">954<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20424\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">138<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">897<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">789<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20426\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20321\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss nahm um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1277\">93</span><span class=\"f charStyle-9eccfdcb ps1278\"> Millionen auf \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1279\">2.731</span><span class=\"f charStyle-9eccfdcb ps1280\"> Millionen zu. In den meisten L\u00e4ndern des Konzerns wurden </span></div><div class=\"ps20429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zuw\u00e4chse erzielt, wobei die gr\u00f6\u00dften Steigerungen in Rum\u00e4nien, Ungarn und Tschechien zu verzeichnen waren, w\u00e4hrend es in </span></div><div class=\"ps20430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland zu einem R\u00fcckgang von \u20ac 64 Millionen kam. </span></div><div class=\"ps20431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Provisions\u00fcberschuss aus finanziellen Verm\u00f6genswerten und Verbindlichkeiten, die nicht erfolgswirksam zum Fair Value </span></div><div class=\"ps20432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden, betrug \u20ac 1.956 Millionen (Vorjahr: \u20ac 1.848 Millionen). </span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10762\">980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20437\">807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18418\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps229\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18735\">923<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10428\">135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9355\">-122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9615\">3.767<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7441\">453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20444\">485<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12750\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20451\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20453\">1.495<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10737\">107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9380\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20131\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12496\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12850\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10573\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps208\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps8904\">323<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18543\">264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13440\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17240\">132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12183\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20479\">638<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1714\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11495\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20167\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20487\">273<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10738\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18513\">371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12790\">487<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps13931\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">144<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps227\">118<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12732\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10113\">471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7128\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20512\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1621\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17134\">965<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps314\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11261\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20515\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3067\">136<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11553\">-277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3828\">-233<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13106\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps20518\">-323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">-75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9892\">123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20522\">-1.036<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11975\">703<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps292\">574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10730\">729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20524\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps10479\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps231\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20528\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1119\">2.731<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20549 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps673\">Zentral- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1436 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps1184\">S\u00fcdost- <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps3005\">europa</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20434 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps1839\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4291 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps20435\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5931 ss1197\"><div><div class=\"ps12528 ss624\"><span class=\"f charStyle-1dbd4d87 ps18264\">Group Corporates <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss624\"><span class=\"f charStyle-1dbd4d87 ps20436\">&amp; Markets</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps12528 ss61\"><span class=\"f charStyle-1dbd4d87 ps3216\">Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps17789\">Center</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps18261\">\u00dcberleitung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps12526 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11730 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3306\">862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20532\">724<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps17977\">957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20438 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20533\">192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20439 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4123\">933<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10652\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6412\">-131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9420\">3.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungsverkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20443 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12957\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1469 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12899\">292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20447 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10710\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20449 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20448\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12875\">1.499<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Clearing und Abwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20456 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20457 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10376\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20458 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps15149\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10711\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20534\">388<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20461 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10365\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1487 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20462 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1667\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20463 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17154\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20464 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps118\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20465 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20466 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11153\">196<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss829\"><div><div class=\"ps1485 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Debitkarten und sonstige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">Bankkarten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20467 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10605\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20468 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps181\">134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19762 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4432 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20469 ss632\"><div><div class=\"ps516 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20470 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20471 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20472 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20535\">310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcbrige Zahlungsdienste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20473 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10414\">234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20474 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1555\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20475 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20476 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10735\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20477 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20478 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20480 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">604<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Garantiegesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20481 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1691\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20537\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20482 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9444\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20483 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20484 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20538\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20485 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20486 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13099\">257<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14024 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20455\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1535 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20488 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20489 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20490 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20539\">118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps216\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20492 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps172\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1222\">221<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6gensverwaltung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11835 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20494\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1549 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps483\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20496 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20497 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20540\">365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6414 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6415 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6416 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20536\">460<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Depot- und Treuhandgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11836 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10370\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20498 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20499 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps16869\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20500 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps18567\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20502 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8545\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20503 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9388\">110<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Vermittlungsprovisionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps479\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1576 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps441\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20504 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20505 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12734\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20506 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20507 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20509 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps179\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungsgesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10571\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1590 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9376\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20510 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20541\">377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10443\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20513 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20542\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10925 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10927 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps292\">860<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6996\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1605 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8527\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps202\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20516 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20543\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6772 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6774 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12771\">167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14112 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20544\">-240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps6022\">-217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20545\">-164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20517 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20546\">-125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20519 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps17557\">-344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20520 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13355\">-66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18670\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20523 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9226\">-1.042<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15209 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20479\">622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1632 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11973\">506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11957\">793<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20525 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20526 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18767\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20527 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20547\">76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20548\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps1828\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(6) Sonstiges betriebliches Ergebnis<span id=\"ib72937378e6d4239b823f3ac734da24f\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im sonstigen betrieblichen Ergebnis sind weitere Ergebnisbestandteile enthalten, die im Zusammenhang mit der operativen </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftst\u00e4tigkeit anfallen.</span></div><div class=\"ps20688 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung nicht modifizierter, nicht erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">bewerteter finanzieller Verm\u00f6genswerte und Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20564\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20623 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20624 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1497 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung von nicht zur Ver\u00e4u\u00dferung gehaltenen nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20626 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20625\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20628 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien (Investment Property)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20629 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20630 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20631 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20632 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20633 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20634 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20636 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20635\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20637 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20639 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20641 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20640\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus bankfremden Aktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20643 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20645 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20644\">-111<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20424\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20648 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20647\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20649 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20650 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20651 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20652 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Versicherungsvertr\u00e4gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20566\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20655 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1639 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Investment Property inkl. Operating Leasing (Immobilien)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20657 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20656\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20659 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20658\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Investment Property<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20660 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20662 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20664 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20663\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20665 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20666 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20667 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20669 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20671 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20672 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung sonstiger R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20673 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20675 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5217 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00dcbrige betriebliche Ertr\u00e4ge/Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20677 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20676\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20678 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20390\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20680\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20682\">473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20684 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">435<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20686 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20687 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-351<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-439": {
   "value": "<div class=\"ps20397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet das f\u00fcnfstufige Umsatzrealisierungsmodell in IFRS 15 - Erl\u00f6se aus Vertr\u00e4gen mit Kund:innen - f\u00fcr die Erfassung </span></div><div class=\"ps20398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Provisionseinnahmen an, wenn die vertragliche Leistungsverpflichtung gegen\u00fcber den Kund:innen erf\u00fcllt ist. Wenn </span></div><div class=\"ps20399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Vereinbarungen Teil eines Finanzinstruments nach IFRS 9 sind, werden die Instrumente zun\u00e4chst zum </span></div><div class=\"ps20400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert erfasst, bevor IFRS 15 angewendet wird. Dies ist manchmal bei Kreditzusagen der Fall, bei denen ein Teil </span></div><div class=\"ps20401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Provisionen je nach Ausnutzung gem\u00e4\u00df IFRS 9 als Teil der Effektivzinsmethode im Zinsergebnis bzw. bei Nicht-Ausnutzung </span></div><div class=\"ps20402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 15 im Provisionsergebnis ausgewiesen werden muss.</span></div><div class=\"ps20403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Geb\u00fchreneinnahmen vorwiegend aus Dienstleistungen generiert, die zu einem fixen Preis \u00fcber einen </span></div><div class=\"ps20404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum hinweg erbracht werden, wie z. B. Karten- und Girokontendienstleistungen oder auf Transaktionsbasis zu </span></div><div class=\"ps20405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Zeitpunkt, wie z. B. Devisen- und \u00dcberweisungsdienstleistungen. Bei Verm\u00f6gensverwaltungsgeb\u00fchren sind <span class=\"f ps24\"> </span></span></div><div class=\"ps20406 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Ertr\u00e4ge in der Regel variabel und h\u00e4ngen von Faktoren wie dem verwalteten Verm\u00f6gen und der Wertentwicklung der </span></div><div class=\"ps20407 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde liegenden Verm\u00f6genswerte ab. Variable Geb\u00fchren werden erfasst, wenn alle Unklarheiten, z. B. Preisnachl\u00e4sse oder </span></div><div class=\"ps20408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rabatte, ausger\u00e4umt und die Betr\u00e4ge bekannt sind. </span></div><div class=\"ps20409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden Transaktionen direkt im Auftrag der Kund:innen abgewickelt, werden die Geb\u00fchren auf Bruttobasis ausgewiesen. Tritt </span></div><div class=\"ps20410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI hingegen als Vermittler auf, werden die Geb\u00fchren abz\u00fcglich der Zahlungen an Dritte ausgewiesen.</span></div><div class=\"ps20411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entgelte f\u00fcr Fremdw\u00e4hrungs- und Zahlungsverkehrsdienstleistungen werden in der RBI zu dem Zeitpunkt erfasst, an dem die </span></div><div class=\"ps20412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistung f\u00fcr Kund:innen erbracht wurde. Geb\u00fchren, die \u00fcber einen bestimmten Zeitraum anfallen, werden \u00fcberwiegend </span></div><div class=\"ps20413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">linear \u00fcber die Vertragslaufzeit verteilt.</span></div><div class=\"ps20414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einigen F\u00e4llen bietet die RBI ein Paket von Dienstleistungen an (geb\u00fcndelte Dienstleistungen). Diese Dienstleistungen k\u00f6nnen </span></div><div class=\"ps20415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrere Leistungsverpflichtungen enthalten, die in der Regel voneinander abgrenzbar sind, wie z. B. <span class=\"f ps24\"> </span></span></div><div class=\"ps20416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontokorrentdienstleistungen, bei denen die Geb\u00fchr den einzelnen Leistungsverpflichtungen zugeordnet wird.</span></div><div class=\"ps20417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber keine Finanzierungsvereinbarungen sowie \u00fcber keine wesentlichen Verm\u00f6genswerte oder Verbindlich-</span></div><div class=\"ps20418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keiten aus langfristigen Vertr\u00e4gen im Zusammenhang mit IFRS 15. Die Bank hat keine Aufwendungen im Zusammenhang mit </span></div><div class=\"ps20419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Vertr\u00e4gen mit Kund:innen, die unter IFRS 15 fallen, aktiviert. Geb\u00fchren werden als Aufwand verbucht, wenn die </span></div><div class=\"ps20420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistungen in Anspruch genommen werden.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-438": {
   "value": "<div class=\"ps20397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet das f\u00fcnfstufige Umsatzrealisierungsmodell in IFRS 15 - Erl\u00f6se aus Vertr\u00e4gen mit Kund:innen - f\u00fcr die Erfassung </span></div><div class=\"ps20398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Provisionseinnahmen an, wenn die vertragliche Leistungsverpflichtung gegen\u00fcber den Kund:innen erf\u00fcllt ist. Wenn </span></div><div class=\"ps20399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Vereinbarungen Teil eines Finanzinstruments nach IFRS 9 sind, werden die Instrumente zun\u00e4chst zum </span></div><div class=\"ps20400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert erfasst, bevor IFRS 15 angewendet wird. Dies ist manchmal bei Kreditzusagen der Fall, bei denen ein Teil </span></div><div class=\"ps20401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Provisionen je nach Ausnutzung gem\u00e4\u00df IFRS 9 als Teil der Effektivzinsmethode im Zinsergebnis bzw. bei Nicht-Ausnutzung </span></div><div class=\"ps20402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 15 im Provisionsergebnis ausgewiesen werden muss.</span></div><div class=\"ps20403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Geb\u00fchreneinnahmen vorwiegend aus Dienstleistungen generiert, die zu einem fixen Preis \u00fcber einen </span></div><div class=\"ps20404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum hinweg erbracht werden, wie z. B. Karten- und Girokontendienstleistungen oder auf Transaktionsbasis zu </span></div><div class=\"ps20405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Zeitpunkt, wie z. B. Devisen- und \u00dcberweisungsdienstleistungen. Bei Verm\u00f6gensverwaltungsgeb\u00fchren sind <span class=\"f ps24\"> </span></span></div><div class=\"ps20406 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Ertr\u00e4ge in der Regel variabel und h\u00e4ngen von Faktoren wie dem verwalteten Verm\u00f6gen und der Wertentwicklung der </span></div><div class=\"ps20407 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde liegenden Verm\u00f6genswerte ab. Variable Geb\u00fchren werden erfasst, wenn alle Unklarheiten, z. B. Preisnachl\u00e4sse oder </span></div><div class=\"ps20408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rabatte, ausger\u00e4umt und die Betr\u00e4ge bekannt sind. </span></div><div class=\"ps20409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden Transaktionen direkt im Auftrag der Kund:innen abgewickelt, werden die Geb\u00fchren auf Bruttobasis ausgewiesen. Tritt </span></div><div class=\"ps20410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI hingegen als Vermittler auf, werden die Geb\u00fchren abz\u00fcglich der Zahlungen an Dritte ausgewiesen.</span></div><div class=\"ps20411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entgelte f\u00fcr Fremdw\u00e4hrungs- und Zahlungsverkehrsdienstleistungen werden in der RBI zu dem Zeitpunkt erfasst, an dem die </span></div><div class=\"ps20412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistung f\u00fcr Kund:innen erbracht wurde. Geb\u00fchren, die \u00fcber einen bestimmten Zeitraum anfallen, werden \u00fcberwiegend </span></div><div class=\"ps20413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">linear \u00fcber die Vertragslaufzeit verteilt.</span></div><div class=\"ps20414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einigen F\u00e4llen bietet die RBI ein Paket von Dienstleistungen an (geb\u00fcndelte Dienstleistungen). Diese Dienstleistungen k\u00f6nnen </span></div><div class=\"ps20415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrere Leistungsverpflichtungen enthalten, die in der Regel voneinander abgrenzbar sind, wie z. B. <span class=\"f ps24\"> </span></span></div><div class=\"ps20416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontokorrentdienstleistungen, bei denen die Geb\u00fchr den einzelnen Leistungsverpflichtungen zugeordnet wird.</span></div><div class=\"ps20417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber keine Finanzierungsvereinbarungen sowie \u00fcber keine wesentlichen Verm\u00f6genswerte oder Verbindlich-</span></div><div class=\"ps20418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keiten aus langfristigen Vertr\u00e4gen im Zusammenhang mit IFRS 15. Die Bank hat keine Aufwendungen im Zusammenhang mit </span></div><div class=\"ps20419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Vertr\u00e4gen mit Kund:innen, die unter IFRS 15 fallen, aktiviert. Geb\u00fchren werden als Aufwand verbucht, wenn die </span></div><div class=\"ps20420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistungen in Anspruch genommen werden.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-437": {
   "value": "<div class=\"ps20397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet das f\u00fcnfstufige Umsatzrealisierungsmodell in IFRS 15 - Erl\u00f6se aus Vertr\u00e4gen mit Kund:innen - f\u00fcr die Erfassung </span></div><div class=\"ps20398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Provisionseinnahmen an, wenn die vertragliche Leistungsverpflichtung gegen\u00fcber den Kund:innen erf\u00fcllt ist. Wenn </span></div><div class=\"ps20399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Vereinbarungen Teil eines Finanzinstruments nach IFRS 9 sind, werden die Instrumente zun\u00e4chst zum </span></div><div class=\"ps20400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert erfasst, bevor IFRS 15 angewendet wird. Dies ist manchmal bei Kreditzusagen der Fall, bei denen ein Teil </span></div><div class=\"ps20401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Provisionen je nach Ausnutzung gem\u00e4\u00df IFRS 9 als Teil der Effektivzinsmethode im Zinsergebnis bzw. bei Nicht-Ausnutzung </span></div><div class=\"ps20402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 15 im Provisionsergebnis ausgewiesen werden muss.</span></div><div class=\"ps20403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Geb\u00fchreneinnahmen vorwiegend aus Dienstleistungen generiert, die zu einem fixen Preis \u00fcber einen </span></div><div class=\"ps20404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Zeitraum hinweg erbracht werden, wie z. B. Karten- und Girokontendienstleistungen oder auf Transaktionsbasis zu </span></div><div class=\"ps20405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Zeitpunkt, wie z. B. Devisen- und \u00dcberweisungsdienstleistungen. Bei Verm\u00f6gensverwaltungsgeb\u00fchren sind <span class=\"f ps24\"> </span></span></div><div class=\"ps20406 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Ertr\u00e4ge in der Regel variabel und h\u00e4ngen von Faktoren wie dem verwalteten Verm\u00f6gen und der Wertentwicklung der </span></div><div class=\"ps20407 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrunde liegenden Verm\u00f6genswerte ab. Variable Geb\u00fchren werden erfasst, wenn alle Unklarheiten, z. B. Preisnachl\u00e4sse oder </span></div><div class=\"ps20408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rabatte, ausger\u00e4umt und die Betr\u00e4ge bekannt sind. </span></div><div class=\"ps20409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden Transaktionen direkt im Auftrag der Kund:innen abgewickelt, werden die Geb\u00fchren auf Bruttobasis ausgewiesen. Tritt </span></div><div class=\"ps20410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI hingegen als Vermittler auf, werden die Geb\u00fchren abz\u00fcglich der Zahlungen an Dritte ausgewiesen.</span></div><div class=\"ps20411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entgelte f\u00fcr Fremdw\u00e4hrungs- und Zahlungsverkehrsdienstleistungen werden in der RBI zu dem Zeitpunkt erfasst, an dem die </span></div><div class=\"ps20412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistung f\u00fcr Kund:innen erbracht wurde. Geb\u00fchren, die \u00fcber einen bestimmten Zeitraum anfallen, werden \u00fcberwiegend </span></div><div class=\"ps20413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">linear \u00fcber die Vertragslaufzeit verteilt.</span></div><div class=\"ps20414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einigen F\u00e4llen bietet die RBI ein Paket von Dienstleistungen an (geb\u00fcndelte Dienstleistungen). Diese Dienstleistungen k\u00f6nnen </span></div><div class=\"ps20415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrere Leistungsverpflichtungen enthalten, die in der Regel voneinander abgrenzbar sind, wie z. B. <span class=\"f ps24\"> </span></span></div><div class=\"ps20416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontokorrentdienstleistungen, bei denen die Geb\u00fchr den einzelnen Leistungsverpflichtungen zugeordnet wird.</span></div><div class=\"ps20417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber keine Finanzierungsvereinbarungen sowie \u00fcber keine wesentlichen Verm\u00f6genswerte oder Verbindlich-</span></div><div class=\"ps20418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keiten aus langfristigen Vertr\u00e4gen im Zusammenhang mit IFRS 15. Die Bank hat keine Aufwendungen im Zusammenhang mit </span></div><div class=\"ps20419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen Vertr\u00e4gen mit Kund:innen, die unter IFRS 15 fallen, aktiviert. Geb\u00fchren werden als Aufwand verbucht, wenn die </span></div><div class=\"ps20420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistungen in Anspruch genommen werden.</span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im sonstigen betrieblichen Ergebnis sind weitere Ergebnisbestandteile enthalten, die im Zusammenhang mit der operativen </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftst\u00e4tigkeit anfallen.</span></div><div class=\"ps20781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Wertminderungen auf finanzielle Verm\u00f6genswerte umfassen Wertminderungen auf erfolgsneutral zum Fair Value </span></div><div class=\"ps20782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertete finanzielle Verm\u00f6genswerte und Wertminderungen auf zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle </span></div><div class=\"ps20783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExpensesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-440": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(5) Handelsergebnis, Ergebnis aus Fair-Value-Bewertungen und Ergebnis aus <span id=\"ia0728be3e20b43318d0263cba64c5f1a\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Hedge Accounting</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Handelsergebnis umfasst die H\u00e4ndlermarge aus dem Devisengesch\u00e4ft, das Ergebnis aus der Fremdw\u00e4hrungsbewertung </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie alle realisierten und nicht realisierten Gewinne und Verluste aus den zum Fair Value bewerteten finanziellen </span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten und finanziellen Verbindlichkeiten.</span></div><div class=\"ps20572 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus finanziellen Verm\u00f6genswerten und Verbindlichkeiten - Held For Trading <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20551\">273<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20552\">-48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20553\">175<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20555\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20556\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20388\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18450\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20558\">34<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20188\">-467<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20559\">-319<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19277\">-13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus finanziellen Verm\u00f6genswerten ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20561\">18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus finanziellen Verm\u00f6genswerten und Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20564\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20565\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungsumrechnung (netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20566\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20567\">148<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20568\">253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20570\">111<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps15373 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Handelsergebnis und das Ergebnis aus Fair-Value-Bewertungen betrug in der Berichtsperiode \u20ac </span><span class=\"f charStyle-9eccfdcb ps20573\">253</span><span class=\"f charStyle-9eccfdcb ps20574\"> Millionen (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps20575\">111<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20576\"> </span></div><div class=\"ps15374 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen). Die im Handelsergebnis enthaltene Position Derivate verzeichnete ein positives Ergebnis von \u20ac </span><span class=\"f charStyle-9eccfdcb ps20577\">351</span><span class=\"f charStyle-9eccfdcb ps20578\"> Millionen, dies </span></div><div class=\"ps20581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entspricht einem Anstieg gegen\u00fcber dem Vorjahr von \u20ac 176 Millionen (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps20579\">175</span><span class=\"f charStyle-9eccfdcb ps20580\"> Millionen). Derivate werden vor allem dazu </span></div><div class=\"ps20582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">genutzt, Zins- und W\u00e4hrungsrisiken sowie Risiken aus Eigenkapitalpositionen abzusichern. Die positiven Bewertungsergebnisse </span></div><div class=\"ps20583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Derivaten wurden zu einem kleineren Teil aus Absicherungen gegen W\u00e4hrungs- und Zinsrisiken erzielt, der Gro\u00dfteil </span></div><div class=\"ps20584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hingegen resultiert aus Derivaten auf Eigenkapitalinstrumente. Letztere bilden gemeinsam mit Eigenkapitalinstrumenten die </span></div><div class=\"ps20585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung gegen\u00fcber Wertschwankungen emittierter Zertifikate, die im Wesentlichen auf Aktien und Aktienindizes und zu </span></div><div class=\"ps20586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem kleineren Teil auf Zinsprodukten beruhen. Das Bewertungsergebnis dieser im Handelsbuch gef\u00fchrten Zertifikate im </span></div><div class=\"ps20591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten verbriefte Verbindlichkeiten betrug in der Berichtsperiode minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20587\">467</span><span class=\"f charStyle-9eccfdcb ps20588\"> Millionen (Vorjahr: minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20589\">319</span><span class=\"f charStyle-9eccfdcb ps20590\"> Millionen). Darin </span></div><div class=\"ps20592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enthalten ist ein negativer Bewertungseffekt aus dem R\u00fcckgang des eigenen Credit Spreads in H\u00f6he von minus \u20ac 51 Millionen. </span></div><div class=\"ps20593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereinigt um diesen Effekt spiegelt das Zertifikatsergebnis im Wesentlichen die jeweiligen Entwicklungen der </span></div><div class=\"ps20596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrundeliegenden Aktien und Aktienindizes wider. Das Bewertungsergebnis im Posten Einlagen in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps20594\">201</span><span class=\"f charStyle-9eccfdcb ps20595\"> Millionen </span></div><div class=\"ps20599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps20597\">34</span><span class=\"f charStyle-9eccfdcb ps20598\"> Millionen) beinhaltet vorwiegend erzielte Gewinnspannen aus dem Devisenhandel in Russland. Sowohl hohe <span class=\"f ps24\"> </span></span></div><div class=\"ps20600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Volatilit\u00e4ten auf den russischen Devisenm\u00e4rkten hervorgerufen durch die geopolitischen Rahmenbedingungen als auch </span></div><div class=\"ps20601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gestiegene Transaktionszahlen und -volumina trugen zu dieser Entwicklung bei. </span></div><div class=\"ps20606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinne aus W\u00e4hrungsumrechnungen von offenen Kassapositionen beliefen sich auf minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20602\">2</span><span class=\"f charStyle-9eccfdcb ps20603\"> Millionen (Vorjahr: \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps20604\">148</span><span class=\"f charStyle-9eccfdcb ps20605\"> </span></div><div class=\"ps20607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen). Offene Positionen werden mittels Fremdw\u00e4hrungsderivaten gesteuert und gro\u00dfteils geschlossen. Die gegenl\u00e4ufigen </span></div><div class=\"ps20608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungseffekte dieser Derivate werden dementsprechend im Posten Derivate ausgewiesen.</span></div><div class=\"ps20613 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-\u00c4nderungen aus Absicherungsinstrumenten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20609\">379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20610\">179<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-\u00c4nderungen aus abgesicherten Grundgesch\u00e4ften im Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20611\">-374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18774\">-170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erfolgswirksamer, ineffektiver Teil aus Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradingIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-441": {
   "value": "<div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Handelsergebnis umfasst die H\u00e4ndlermarge aus dem Devisengesch\u00e4ft, das Ergebnis aus der Fremdw\u00e4hrungsbewertung </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie alle realisierten und nicht realisierten Gewinne und Verluste aus den zum Fair Value bewerteten finanziellen </span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten und finanziellen Verbindlichkeiten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradingIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-444": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(6) Sonstiges betriebliches Ergebnis<span id=\"ib72937378e6d4239b823f3ac734da24f\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im sonstigen betrieblichen Ergebnis sind weitere Ergebnisbestandteile enthalten, die im Zusammenhang mit der operativen </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftst\u00e4tigkeit anfallen.</span></div><div class=\"ps20688 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung nicht modifizierter, nicht erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">bewerteter finanzieller Verm\u00f6genswerte und Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20564\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20623 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20624 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1497 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung von nicht zur Ver\u00e4u\u00dferung gehaltenen nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20626 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20625\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20628 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien (Investment Property)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20629 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20630 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20631 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20632 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20633 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20634 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20636 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20635\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20637 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20639 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20641 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20640\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus bankfremden Aktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20643 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20645 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20644\">-111<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20424\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20648 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20647\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20649 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20650 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20651 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20652 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Versicherungsvertr\u00e4gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20566\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20655 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1639 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Investment Property inkl. Operating Leasing (Immobilien)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20657 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20656\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20659 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20658\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Investment Property<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20660 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20662 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20664 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20663\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20665 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20666 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20667 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20669 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20671 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20672 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung sonstiger R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20673 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20675 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5217 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00dcbrige betriebliche Ertr\u00e4ge/Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20677 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20676\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20678 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20390\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20680\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20682\">473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20684 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">435<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20686 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20687 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-351<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-443": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(6) Sonstiges betriebliches Ergebnis<span id=\"ib72937378e6d4239b823f3ac734da24f\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im sonstigen betrieblichen Ergebnis sind weitere Ergebnisbestandteile enthalten, die im Zusammenhang mit der operativen </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftst\u00e4tigkeit anfallen.</span></div><div class=\"ps20688 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung nicht modifizierter, nicht erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">bewerteter finanzieller Verm\u00f6genswerte und Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20564\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20623 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20624 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1497 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung von nicht zur Ver\u00e4u\u00dferung gehaltenen nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20626 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20625\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20628 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien (Investment Property)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20629 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20630 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20631 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20632 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20633 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20634 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20636 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20635\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20637 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20639 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20641 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20640\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus bankfremden Aktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20643 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20645 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20644\">-111<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20424\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20648 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20647\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20649 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20650 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20651 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20652 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Versicherungsvertr\u00e4gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20566\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20655 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1639 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Investment Property inkl. Operating Leasing (Immobilien)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20657 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20656\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20659 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20658\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Investment Property<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20660 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20662 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20664 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20663\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20665 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20666 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20667 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20669 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20671 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20672 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung sonstiger R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20673 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20675 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5217 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00dcbrige betriebliche Ertr\u00e4ge/Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20677 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20676\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20678 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20390\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20680\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20682\">473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20684 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">435<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20686 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20687 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-351<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-442": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(6) Sonstiges betriebliches Ergebnis<span id=\"ib72937378e6d4239b823f3ac734da24f\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im sonstigen betrieblichen Ergebnis sind weitere Ergebnisbestandteile enthalten, die im Zusammenhang mit der operativen </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftst\u00e4tigkeit anfallen.</span></div><div class=\"ps20688 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung nicht modifizierter, nicht erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">bewerteter finanzieller Verm\u00f6genswerte und Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20564\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14927 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20617 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14941 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20619 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20621 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20622 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20623 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20624 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1497 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Ausbuchung von nicht zur Ver\u00e4u\u00dferung gehaltenen nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20626 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20625\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20628 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien (Investment Property)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20629 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20630 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20631 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20632 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20633 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20634 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20636 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20635\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20637 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus bankfremden T\u00e4tigkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20639 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20641 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20640\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus bankfremden Aktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20643 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20645 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20644\">-111<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20646 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20424\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20648 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20647\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umsatzerl\u00f6se aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20649 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20650 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus zus\u00e4tzlichen Leasing-Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20651 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20652 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1630 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Versicherungsvertr\u00e4gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20566\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20655 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1639 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus Investment Property inkl. Operating Leasing (Immobilien)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20657 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20656\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20659 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20658\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Investment Property<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20660 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20662 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20664 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20663\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus Operating Leasing von Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20665 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20666 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20667 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20669 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen aus sonstigem Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20671 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20672 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung sonstiger R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20673 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20675 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5217 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00dcbrige betriebliche Ertr\u00e4ge/Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20677 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20676\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20678 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20390\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20680\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20682\">473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20684 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">435<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Betriebsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20686 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20687 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-351<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-445": {
   "value": "<div class=\"ps20690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(7) Verwaltungsaufwendungen<span id=\"i355bae8e591c469dbd9a71f8ca4209dc_1132\"></span><span id=\"id7805dfc4c1b4b2683bd74679ca423df\"></span></span></div><div class=\"ps20692 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Personalaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20251\">-2.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17492\">-2.053<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps778\">-1.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20691\">-1.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abschreibungen auf Sachanlagen und immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18393\">-506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18388\">-472<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20313\">-4.134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18499\">-3.786<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Personalaufwand<span id=\"i02524f92e6224b33bd230939327bbc64\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">L\u00f6hne und Geh\u00e4lter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20694\">-1.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps778\">-1.579<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Soziale Abgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20209\">-413<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20559\">-361<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Freiwilliger Sozialaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps804\">-71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">-65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr beitragsorientierte Pensionspl\u00e4ne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen/Ertr\u00e4ge f\u00fcr leistungsorientierte Pensionspl\u00e4ne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr andere langfristig f\u00e4llige Leistungen an Arbeitnehmer exkl. Bonusprogramme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Personalaufwand aus Bonusprogrammen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20697\">-2.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18811\">-2.053<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Personalaufwand nahm um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps20698\">294<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20699\"> Millionen auf \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20700\">2.347<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20701\"> Millionen zu. Zu Anstiegen kam es in nahezu allen L\u00e4ndern des <span class=\"f ps24\"> </span></span></div><div class=\"ps20703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns sowie in der Konzernzentrale. Dabei verzeichnete Russland einen Anstieg um \u20ac 175 Millionen aufgrund von </span></div><div class=\"ps20704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gehaltsanpassungen und aus Aufwendungen f\u00fcr Einmalzahlungen sowie der W\u00e4hrungsentwicklung. </span></div><div class=\"ps20705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aufwendungen f\u00fcr Abfertigungen und Pensionen<span id=\"i3bff0a36c13146b88616dd904409213f\"></span></span></div><div class=\"ps20706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen beitragsorientierter Vorsorgepl\u00e4ne entrichtet das Unternehmen festgelegte Beitr\u00e4ge an eine Pensionskasse.</span></div><div class=\"ps20710 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorstandsmitglieder und leitende Angestellte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere Arbeitnehmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20242\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20709\">-31<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sachaufwand<span id=\"i7cf94a83315c44baa70b0952748b5f02\"></span></span></div><div class=\"ps20721 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Raumaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20712\">-114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20205\">-108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">IT-Aufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20713\">-443<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20714\">-423<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechts- und Beratungsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18387\">-157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps5673\">-190<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Werbe- und Repr\u00e4sentationsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20715\">-128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20716\">-122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kommunikationsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20717\">-90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20718\">-80<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">B\u00fcroaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20204\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20204\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kfz-Aufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sicherheitsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">-25<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Reiseaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ausbildungsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige nicht ertragsabh\u00e4ngige Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20642\">-100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiger Sachaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20719\">-146<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16744\">-1.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20512\">-1.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Aufwendungen f\u00fcr kurzfristige Leasingverh\u00e4ltnisse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20720\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Aufwendungen f\u00fcr Leasingverh\u00e4ltnisse geringwertiger Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Rechts- und Beratungsaufwand enthaltenen Honorare f\u00fcr die Abschlusspr\u00fcfer der RBI AG und der Tochterunternehmen </span></div><div class=\"ps20724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gliedern sich in Aufwendungen f\u00fcr die Abschlusspr\u00fcfung in H\u00f6he von \u20ac 8 Millionen (Vorjahr: \u20ac 8 Millionen) sowie Aufwendungen </span></div><div class=\"ps20725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Beratungsleistungen - vorwiegend Best\u00e4tigungsleistungen - in H\u00f6he von \u20ac 3 Millionen (Vorjahr: \u20ac\u00a03\u00a0Millionen). Davon </span></div><div class=\"ps20726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entfielen auf den Konzernabschlusspr\u00fcfer f\u00fcr Abschlusspr\u00fcfungen \u20ac 3 Millionen (Vorjahr: \u20ac\u00a03\u00a0Millionen) und f\u00fcr andere </span></div><div class=\"ps20727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beratungsleistungen \u20ac 1 Million (Vorjahr: \u20ac 1 Million). <span class=\"f ps24\"> </span></span></div><div class=\"ps20728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Abschreibungen auf Sachanlagen und immaterielle Verm\u00f6genswerte<span id=\"ib6c606cf55e941d6a257ecbd63da6ae1\"></span></span></div><div class=\"ps20733 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1225\">-244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20729\">-235<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20718\">-80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">-79<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20730\">-261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20731\">-237<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20732\">-506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1225\">-472<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-446": {
   "value": "<div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Personalaufwand<span id=\"i02524f92e6224b33bd230939327bbc64\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">L\u00f6hne und Geh\u00e4lter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20694\">-1.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps778\">-1.579<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Soziale Abgaben<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20209\">-413<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20559\">-361<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Freiwilliger Sozialaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps804\">-71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">-65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr beitragsorientierte Pensionspl\u00e4ne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen/Ertr\u00e4ge f\u00fcr leistungsorientierte Pensionspl\u00e4ne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwendungen f\u00fcr andere langfristig f\u00e4llige Leistungen an Arbeitnehmer exkl. Bonusprogramme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Personalaufwand aus Bonusprogrammen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20697\">-2.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18811\">-2.053<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Personalaufwand nahm um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps20698\">294<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20699\"> Millionen auf \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20700\">2.347<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20701\"> Millionen zu. Zu Anstiegen kam es in nahezu allen L\u00e4ndern des <span class=\"f ps24\"> </span></span></div><div class=\"ps20703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns sowie in der Konzernzentrale. Dabei verzeichnete Russland einen Anstieg um \u20ac 175 Millionen aufgrund von </span></div><div class=\"ps20704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gehaltsanpassungen und aus Aufwendungen f\u00fcr Einmalzahlungen sowie der W\u00e4hrungsentwicklung. </span></div><div class=\"ps20705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aufwendungen f\u00fcr Abfertigungen und Pensionen<span id=\"i3bff0a36c13146b88616dd904409213f\"></span></span></div><div class=\"ps20706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen beitragsorientierter Vorsorgepl\u00e4ne entrichtet das Unternehmen festgelegte Beitr\u00e4ge an eine Pensionskasse.</span></div><div class=\"ps20710 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorstandsmitglieder und leitende Angestellte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19276\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere Arbeitnehmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20242\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20709\">-31<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23448\">183<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien gem\u00e4\u00df IAS 37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Personalr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23449\">525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21525\">478<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Pensionen und andere Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">168<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen an Mitarbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Bonuszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">266<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Andere R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-ca7bbde0 ps23235\">1.930<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20912\">2.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anh\u00e4ngige Rechts- und Steuerf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1071\">1.716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20164\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Belastende Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19282\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18394\">155<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">2.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23450\">2.902<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23568 ss0\"><div class=\"ss718 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss131\"><div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23465 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps7027\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23464\">1.1.2025</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23467 ss1331\"><div><div class=\"ps5426 ss863\"><span class=\"f charStyle-1dbd4d87 ps13210\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss863\"><span class=\"f charStyle-1dbd4d87 ps23466\">Konsolidierungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps8904\">Zu-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23468\">f\u00fchrungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23470 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-3e64e966 ps11486\">Auf-</span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-3e64e966 ps23469\">l\u00f6sungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-3e64e966 ps12458\">Ver-</span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-3e64e966 ps10948\">brauch</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1332\"><div><div class=\"ps5430 ss1191\"><span class=\"f charStyle-3e64e966 ps23471\">Umbuchungen, </span></div><div class=\"ps5426 ss1191\"><span class=\"f charStyle-3e64e966 ps23472\">W\u00e4hrungs- </span></div><div class=\"ps5427 ss1191\"><span class=\"f charStyle-3e64e966 ps5331\">differenzen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5727 ss1333\"><div><div class=\"ps5426 ss40\"><span class=\"f charStyle-1dbd4d87 ps17893\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss40\"><span class=\"f charStyle-1dbd4d87 ps21883\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-3e64e966 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle </span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-3e64e966 ps30\">Risiken</span><span class=\"f charStyle-cdbbedb5 ps23474\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23476 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23478 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23479 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23480 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps364\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23481 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23482 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23483 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1865 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">gem\u00e4\u00df IAS 37</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23484 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23485 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23486 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23487 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23488 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23489 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23490 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3838 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Personalr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20437\">478<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23492 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10760\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23494 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20548\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18110\">-229<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23496 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12816\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23497 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps12174\">525<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Pensionen und andere Leistungen nach <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Beendigung des Arbeitsverh\u00e4ltnisses</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23498 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23499 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23500 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21842\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23501 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23502 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23503 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23505 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps23504\">145<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen an <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23506 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23507 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23508 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23509 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23510 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps17741\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Bonuszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16642\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23512 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20133\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23513 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16642\">269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7185\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8534 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps23515\">-214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23516 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17779\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23518 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23517\">336<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23519 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23520 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23522 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21513 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23523 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23525 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps23524\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Andere R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23526 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps12529\">2.241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23528 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23527\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18418\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20533\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23531 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps7898\">-1.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23532 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps8756\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23533 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps223\">1.930<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Anh\u00e4ngige Rechts- und Steuerf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23534 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21211\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23535 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23536 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20541\">773<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23537 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7185\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23538 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8403\">-1.085<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23539 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19194\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23540 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps20501\">1.716<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23541 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23542 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23543 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23544 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23545 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23546 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23547 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1462\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Belastende Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23548 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23549 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23550 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23551 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23552 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23553 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23554 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17279\">57<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23555 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10578\">155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23556 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23557 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10370\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23558 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21183\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8574 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10571\">-49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23559 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23560 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23504\">154<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23561 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10106\">2.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23562 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9080\">1.127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23564 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13355\">-69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23565 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps5192\">-1.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps22392\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23567 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps10425\">2.456<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"8\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1336\"><div><div class=\"ps5906 ss718\"><span class=\"f charStyle-2babd150 ps30\">1 R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken nach IFRS 9 sind nicht enthalten und werden aufgrund der granulareren Darstellung nach Stages unter Punkt (30) Kreditzusagen, Finanzgarantien und <span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss718\"><span class=\"f charStyle-2babd150 ps30\">sonstige Zusagen dargestellt.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss1337 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss131\"><div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23465 ss232\"><div><div class=\"ps5426 ss163\"><span class=\"f charStyle-1dbd4d87 ps23571\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss163\"><span class=\"f charStyle-1dbd4d87 ps23572\">1.1.2024</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23573 ss1331\"><div><div class=\"ps5426 ss863\"><span class=\"f charStyle-1dbd4d87 ps13210\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss863\"><span class=\"f charStyle-1dbd4d87 ps23466\">Konsolidierungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23574 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps8904\">Zu-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23468\">f\u00fchrungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23575 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps11486\">Auf-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23469\">l\u00f6sungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12331 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps12458\">Ver-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps10948\">brauch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23579 ss775\"><div><div class=\"ps5430 ss5\"><span class=\"f charStyle-1dbd4d87 ps23576\">Umbuchungen, <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss5\"><span class=\"f charStyle-1dbd4d87 ps23577\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23578\">differenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23581 ss1333\"><div><div class=\"ps5426 ss40\"><span class=\"f charStyle-1dbd4d87 ps17893\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss40\"><span class=\"f charStyle-1dbd4d87 ps23580\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-3e64e966 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle </span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-3e64e966 ps30\">Risiken</span><span class=\"f charStyle-cdbbedb5 ps23474\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23476 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps6996\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23582 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23583 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23584 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps214\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23585 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23587 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps23586\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23588 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1865 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">gem\u00e4\u00df IAS 37</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23484 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps485\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23589 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23590 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23591 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23592 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23593 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23594 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3838 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Personalr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23491 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-1dbd4d87 ps13521\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23596 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23595\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23597 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9587\">228<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23598 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps12730\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23599 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11485\">-205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23601 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23600\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23602 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps1672\">478<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Pensionen und andere Leistungen nach <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Beendigung des Arbeitsverh\u00e4ltnisses</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23498 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps23603\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23604 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps9362\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23605 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23606 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23607 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps7185\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23608 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps18513\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23609 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps19735\">168<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen an <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23506 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps21855\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23610 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23611 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps1621\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23612 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23613 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23614 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps8320\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Bonuszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23511 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13421\">275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23615 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20204\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23616 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10730\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23617 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6254\">-188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23619 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22710\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23620 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps107\">266<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23519 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps10496\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23621 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23622 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23623 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23624 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23625 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23626 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1462\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Andere R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23526 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-1dbd4d87 ps18692\">931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23628 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23627\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10467\">1.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23630 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11939\">-120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23631 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps12960\">-247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23632 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17892\">-67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23633 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps8738\">2.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Anh\u00e4ngige Rechts- und Steuerf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23534 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps12492\">636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23635 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21578\">1.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23636 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13255\">-147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23639 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps23638\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23641 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23640\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23541 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1714\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23642 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23643 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23644 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23645 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23646 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23647 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1462\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Belastende Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23548 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps23003\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23649 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23650 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23651 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23652 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23653 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1488\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23555 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps23654\">229<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23655 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20206\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23656 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23657 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps15660\">-111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23658 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20533\">-98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23660 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps23659\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23661 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps34\">155<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23561 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-1dbd4d87 ps2053\">1.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23662\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23664 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3113\">1.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23666 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps23665\">-140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23667 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11485\">-452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23668 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19689\">-83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23669 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps23369\">2.720<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"8\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1338\"><div><div class=\"ps5906 ss1337\"><span class=\"f charStyle-2babd150 ps30\">1 R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken nach IFRS 9 sind nicht enthalten und werden aufgrund der granulareren Darstellung nach Stages unter Punkt (30) Kreditzusagen, Finanzgarantien und <span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss1337\"><span class=\"f charStyle-2babd150 ps30\">sonstige Zusagen dargestellt.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Versicherungsmathematische Annahmen<span id=\"i79dfed0399784002900be3a51ce20fa8\"></span></span></div><div class=\"ps23722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die der Berechnung der leistungsorientierten Nettoverpflichtung zugrunde gelegten, langfristigen </span></div><div class=\"ps23723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versicherungsmathematischen Annahmen:</span></div><div class=\"ps23727 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23724\">3,5-6,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23725\">3,0-6,0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Steigerungssatz f\u00fcr Pensionsbemessungsgrundlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">0,5-4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23726\">0,5-3,1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Steigerungssatz f\u00fcr k\u00fcnftige Pensionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">0,5-4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23726\">0,5-3,1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die versicherungsmathematische Berechnung der Pensionsverpflichtungen in der Konzernzentrale wird f\u00fcr aktive </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstnehmer ein Rechnungszinssatz von 4,05 Prozent (Vorjahr: 3,28 Prozent) sowie eine pensionswirksame Gehaltssteigerung </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von 3,0 Prozent im ersten Jahr, 2,1 Prozent im zweiten Jahr sowie 2,3 Prozent in den Folgejahren (Vorjahr: 4,1 Prozent im ersten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr, 3,2 Prozent im zweiten Jahr sowie 3,1 Prozent in den Folgejahren) zugrunde gelegt.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die der Berechnung der leistungsorientierten Nettoverpflichtung zugrunde gelegte Lebenserwartung:</span></div><div class=\"ps23732 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren \u2013 M\u00e4nner<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.89pt\"></span></span><span class=\"ps23729\">23,8<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.93pt\"></span></span><span class=\"ps18476\">23,6<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren \u2013 Frauen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.12pt\"></span></span><span class=\"ps19979\">26,2<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.93pt\"></span></span><span class=\"ps18476\">26,3<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren f\u00fcr 45-j\u00e4hrige M\u00e4nner<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.8pt\"></span></span><span class=\"ps20202\">26,4<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.85pt\"></span></span><span class=\"ps23730\">26,1<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren f\u00fcr 45-j\u00e4hrige Frauen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.9pt\"></span></span><span class=\"ps20216\">28,6<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.95pt\"></span></span><span class=\"ps23731\">28,5<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gewichtete Duration der Nettopensionsverpflichtung betrug </span><span class=\"f charStyle-9eccfdcb ps23733\">8,6</span><span class=\"f charStyle-9eccfdcb ps23734\"> Jahre (Vorjahr: </span><span class=\"f charStyle-9eccfdcb ps23735\">10,2</span><span class=\"f charStyle-9eccfdcb ps23736\"> Jahre).</span></div><div class=\"ps23738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Sensitivit\u00e4tsanalyse<span id=\"i20bc33400e5e4e93b653f9e11765a652\"></span></span></div><div class=\"ps23739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tritt bei einer der relevanten versicherungsmathematischen Annahme eine \u00c4nderung ein, w\u00e4hrend die anderen Annahmen </span></div><div class=\"ps23740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konstant bleiben, w\u00fcrden sich die Vorsorgeverpflichtungen f\u00fcr \u00f6sterreichische Konzerneinheiten zum Bilanzstichtag wie folgt </span></div><div class=\"ps23741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ver\u00e4ndern:</span></div><div class=\"ps23750 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps22231\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps23742\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23743\">Zunahme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10825\">Abnahme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23743\">Zunahme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10825\">Abnahme<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz (1 Prozentpunkt Ver\u00e4nderung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23745\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00fcnftige Gehaltssteigerung (0,5 Prozentpunkt Ver\u00e4nderung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18481\">-0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18481\">-0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00fcnftige Pensionssteigung (0,25 Prozentpunkt Ver\u00e4nderung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Verbleibende Lebenserwartung (Ver\u00e4nderung 1 Jahr)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20141\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verpflichtungen aus anderen Leistungen anl\u00e4sslich der Beendigung des <span id=\"i7e7a57a22540400ca6cc7c4143e68b42\"></span></span></div><div class=\"ps23752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Arbeitsverh\u00e4ltnisses</span></div><div class=\"ps23753 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1115\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20555\">72<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufender Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verlust/Gewinn aus nachzuverrechnendem Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbertragungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Neubewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22042\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1115\">77<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Versicherungsmathematische Annahmen<span id=\"id0f938ebb9424a3b979a5017e36c0467\"></span></span></div><div class=\"ps23756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die der Berechnung von anderen Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses zugrunde gelegten, </span></div><div class=\"ps23757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen versicherungsmathematischen Annahmen:</span></div><div class=\"ps23760 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23758\">3,5-4,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17467\">3,0-3,4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00fcnftige Gehaltssteigerung f\u00fcr Dienstnehmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">0,5-4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23759\">0,5-5,0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Personalaufwand<span id=\"i1fd8a6431da548acb7025b78dad87434\"></span></span></div><div class=\"ps23762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Detailangaben zum Personalaufwand (Aufwendungen f\u00fcr leistungsorientierte Pensionspl\u00e4ne, Aufwendungen f\u00fcr andere </span></div><div class=\"ps23765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses) sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps23763\">(7) Verwaltungsaufwendungen</span><span class=\"f charStyle-9eccfdcb ps23764\"> dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-447": {
   "value": "<div class=\"ps20723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Rechts- und Beratungsaufwand enthaltenen Honorare f\u00fcr die Abschlusspr\u00fcfer der RBI AG und der Tochterunternehmen </span></div><div class=\"ps20724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gliedern sich in Aufwendungen f\u00fcr die Abschlusspr\u00fcfung in H\u00f6he von \u20ac 8 Millionen (Vorjahr: \u20ac 8 Millionen) sowie Aufwendungen </span></div><div class=\"ps20725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Beratungsleistungen - vorwiegend Best\u00e4tigungsleistungen - in H\u00f6he von \u20ac 3 Millionen (Vorjahr: \u20ac\u00a03\u00a0Millionen). Davon </span></div><div class=\"ps20726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entfielen auf den Konzernabschlusspr\u00fcfer f\u00fcr Abschlusspr\u00fcfungen \u20ac 3 Millionen (Vorjahr: \u20ac\u00a03\u00a0Millionen) und f\u00fcr andere </span></div>Beratungsleistungen \u20ac 1 Million (Vorjahr: \u20ac 1 Million).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-448": {
   "value": "<div class=\"ps20728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Abschreibungen auf Sachanlagen und immaterielle Verm\u00f6genswerte<span id=\"ib6c606cf55e941d6a257ecbd63da6ae1\"></span></span></div><div class=\"ps20733 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1225\">-244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20729\">-235<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20718\">-80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">-79<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20730\">-261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20731\">-237<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20732\">-506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1225\">-472<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-452": {
   "value": "<div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewinne/Verluste aus modifizierten Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Barwert\u00e4nderungen unwesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20736\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20214\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus der Ausbuchung aufgrund wesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen auf Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20737\">-50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen von nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20738\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen sowie Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20565\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr Umsatzsteuer - Zwischenbankbefreiung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde f\u00fcr kreditbezogene, portfolio-basierte Rechtsstreitigkeiten und Annullierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18452\">-302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20742\">-657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde aus Rechtsstreitigkeiten in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">-1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr einen Rechtsstreit in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20743\">-339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20744\">-840<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20745\">-1.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20746\">-1.590<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das \u00fcbrige Ergebnis belief sich in der Berichtsperiode auf minus \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1356\">1.918</span><span class=\"f charStyle-9eccfdcb ps1357\"> Millionen nach </span><span class=\"f charStyle-9eccfdcb ps1358\">minus <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1359\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1360\">1.590</span><span class=\"f charStyle-9eccfdcb ps1361\"> Millionen in der </span></div><div class=\"ps20748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichsperiode. Hauptgr\u00fcnde daf\u00fcr waren die Ausbuchung der erwarteten Erl\u00f6se aus der Vollstreckung der Anspr\u00fcche der </span></div><div class=\"ps20749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI in die \u00f6sterreichischen Verm\u00f6genswerte von Rasperia Trading Limited sowie von Zinsaufw\u00e4nden im Zusammenhang mit </span></div><div class=\"ps20750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem der Rasperia zugesprochenen Schadenersatz (\u20ac 1.269 Millionen) und die Dotierung einer R\u00fcckstellung im Zusammenhang <span class=\"f ps24\"> </span></span></div><div class=\"ps20751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit dem zweiten Rasperia-Verfahren (\u20ac 339 Millionen). Zus\u00e4tzlich wirkten sich kreditbezogene, portfolio-basierte </span></div><div class=\"ps20752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten und Annullierungen von Kreditvertr\u00e4gen mit \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1369\">302<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1370\"> Millionen (Vorjahr: \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1371\">657<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1372\"> Millionen) negativ aus. Diese <span class=\"f ps24\"> </span></span></div><div class=\"ps20753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrafen nahezu ausschlie\u00dflich Hypothekarkredite in Polen, die in Fremdw\u00e4hrungen denominiert oder an eine Fremdw\u00e4hrung </span></div><div class=\"ps20754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gekoppelt sind. Verluste aus modifizierten Vertragskonditionen f\u00fchrten in der Berichtsperiode zu einem Ergebnis von minus \u20ac 29 </span></div><div class=\"ps20755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen, vorwiegend in der Slowakei (\u20ac 13 Millionen) und in der Konzernzentrale (\u20ac 8 Millionen). </span></div><div class=\"ps23436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(27) R\u00fcckstellungen<span id=\"ic3b4802a27a945149b64336bc9483d6c\"></span></span></div><div class=\"ps23437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen werden gebildet, wenn der Konzern eine gegenw\u00e4rtige Verpflichtung aus einem vergangenen Ereignis hat und </span></div><div class=\"ps23438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sowohl wahrscheinlich ist, dass er verpflichtet sein wird, diese zu erf\u00fcllen, als auch eine verl\u00e4ssliche Sch\u00e4tzung des Betrags </span></div><div class=\"ps23439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glich ist. Der angesetzte R\u00fcckstellungsbetrag ist der am Bilanzstichtag bestm\u00f6gliche Sch\u00e4tzwert f\u00fcr die Leistung, die unter </span></div><div class=\"ps23440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der der Verpflichtung zugrunde liegenden Risiken und Unsicherheiten hinzugeben ist, um die gegenw\u00e4rtige <span class=\"f ps24\"> </span></span></div><div class=\"ps23441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtung zu erf\u00fcllen. Risiken und Unsicherheiten sind bei der Sch\u00e4tzung ber\u00fccksichtigt. Wird eine R\u00fcckstellung auf Basis der <span class=\"f ps24\"> </span></span></div><div class=\"ps12282 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die Erf\u00fcllung der Verpflichtung gesch\u00e4tzten Zahlungsstr\u00f6me bewertet, sind diese Zahlungsstr\u00f6me abzuzinsen, sofern der </span></div><div class=\"ps23442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinseffekt wesentlich ist. </span></div><div class=\"ps23443 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Zuf\u00fchrung zu R\u00fcckstellungen erfolgt \u00fcber verschiedene Posten der Erfolgsrechnung. Kreditrisikovorsorgen f\u00fcr </span></div><div class=\"ps23444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eventualverbindlichkeiten werden in der Erfolgsrechnung unter dem Posten Wertminderungen auf finanzielle Verm\u00f6genswerte </span></div><div class=\"ps23445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Die Restrukturierungsr\u00fcckstellungen und die sonstigen Personalvorsorgen werden \u00fcber </span></div><div class=\"ps23446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsaufwendungen dotiert. Zuf\u00fchrungen zu R\u00fcckstellungen, die nicht dem Verwaltungsaufwand zuzuordnen sind, </span></div><div class=\"ps23447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden grunds\u00e4tzlich zulasten des sonstigen betrieblichen Ergebnisses gebildet.</span></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23448\">183<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien gem\u00e4\u00df IAS 37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Personalr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23449\">525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21525\">478<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Pensionen und andere Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">168<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen an Mitarbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Bonuszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">266<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Andere R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-ca7bbde0 ps23235\">1.930<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20912\">2.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anh\u00e4ngige Rechts- und Steuerf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1071\">1.716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20164\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Belastende Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19282\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18394\">155<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">2.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23450\">2.902<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die R\u00fcckstellungen verringerten sich um \u20ac </span><span class=\"f charStyle-9eccfdcb ps23451\">227</span><span class=\"f charStyle-9eccfdcb ps23452\"> Millionen auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps23453\">2.675</span><span class=\"f charStyle-9eccfdcb ps23454\"> Millionen. Der R\u00fcckgang war vor allem auf den Verbrauch </span></div><div class=\"ps23455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der im Vorjahr gebildeten R\u00fcckstellung f\u00fcr Rasperia in H\u00f6he von \u20ac 840 Millionen zur\u00fcckzuf\u00fchren. Dieser R\u00fcckgang wurde durch </span></div><div class=\"ps23456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dotierung einer R\u00fcckstellung im Zusammenhang mit dem zweiten Rasperia-Verfahren in H\u00f6he von \u20ac 339 Millionen teilweise <span class=\"f ps24\"> </span></span></div><div class=\"ps23457 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kompensiert. In Polen kam es zu einer Erh\u00f6hung der R\u00fcckstellung von \u20ac 208 Millionen (Vorjahr: \u20ac 561 Millionen) im </span></div><div class=\"ps12521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit Hypothekarkrediten in Fremdw\u00e4hrungen. </span></div><div class=\"ps23458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter Ber\u00fccksichtigung der unterj\u00e4hrigen Ver\u00e4nderungen des Fremdw\u00e4hrungsportfolios haben sich die R\u00fcckstellungen in Polen </span></div><div class=\"ps23459 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Berichtsperiode aufgrund zinssatzbedingter Ver\u00e4nderungen um etwa \u20ac 17 Millionen erh\u00f6ht, w\u00e4hrend sich aus dem </span></div><div class=\"ps23461 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitfaktor eine Verringerung um etwa \u20ac 6 Millionen ergab. Mehr Details zu beiden Sachverhalten siehe Punkt <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps23460\">(45) Offene </span></div><div class=\"ps23463 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps23462\">.</span></div><div class=\"ps23568 ss0\"><div class=\"ss718 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss131\"><div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23465 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps7027\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23464\">1.1.2025</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23467 ss1331\"><div><div class=\"ps5426 ss863\"><span class=\"f charStyle-1dbd4d87 ps13210\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss863\"><span class=\"f charStyle-1dbd4d87 ps23466\">Konsolidierungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps8904\">Zu-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23468\">f\u00fchrungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23470 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-3e64e966 ps11486\">Auf-</span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-3e64e966 ps23469\">l\u00f6sungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-3e64e966 ps12458\">Ver-</span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-3e64e966 ps10948\">brauch</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1332\"><div><div class=\"ps5430 ss1191\"><span class=\"f charStyle-3e64e966 ps23471\">Umbuchungen, </span></div><div class=\"ps5426 ss1191\"><span class=\"f charStyle-3e64e966 ps23472\">W\u00e4hrungs- </span></div><div class=\"ps5427 ss1191\"><span class=\"f charStyle-3e64e966 ps5331\">differenzen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5727 ss1333\"><div><div class=\"ps5426 ss40\"><span class=\"f charStyle-1dbd4d87 ps17893\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss40\"><span class=\"f charStyle-1dbd4d87 ps21883\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-3e64e966 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle </span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-3e64e966 ps30\">Risiken</span><span class=\"f charStyle-cdbbedb5 ps23474\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23476 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23478 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23479 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23480 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps364\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23481 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23482 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23483 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1865 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">gem\u00e4\u00df IAS 37</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23484 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23485 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23486 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23487 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23488 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23489 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23490 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3838 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Personalr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20437\">478<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23492 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10760\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23494 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20548\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18110\">-229<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23496 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12816\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23497 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps12174\">525<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Pensionen und andere Leistungen nach <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Beendigung des Arbeitsverh\u00e4ltnisses</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23498 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23499 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23500 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21842\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23501 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23502 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23503 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23505 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps23504\">145<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen an <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23506 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23507 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23508 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23509 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23510 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps17741\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Bonuszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16642\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23512 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20133\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23513 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16642\">269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7185\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8534 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps23515\">-214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23516 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17779\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23518 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23517\">336<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23519 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23520 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23522 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21513 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23523 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23525 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps23524\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Andere R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23526 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps12529\">2.241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23528 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23527\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18418\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20533\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23531 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps7898\">-1.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23532 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps8756\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23533 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps223\">1.930<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Anh\u00e4ngige Rechts- und Steuerf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23534 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21211\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23535 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23536 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20541\">773<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23537 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7185\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23538 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8403\">-1.085<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23539 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19194\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23540 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps20501\">1.716<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23541 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23542 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23543 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23544 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23545 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23546 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23547 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1462\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Belastende Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23548 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23549 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23550 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23551 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23552 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23553 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23554 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17279\">57<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23555 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10578\">155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23556 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23557 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10370\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23558 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21183\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8574 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10571\">-49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23559 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23560 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23504\">154<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23561 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10106\">2.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23562 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9080\">1.127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23564 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13355\">-69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23565 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps5192\">-1.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps22392\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23567 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps10425\">2.456<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"8\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1336\"><div><div class=\"ps5906 ss718\"><span class=\"f charStyle-2babd150 ps30\">1 R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken nach IFRS 9 sind nicht enthalten und werden aufgrund der granulareren Darstellung nach Stages unter Punkt (30) Kreditzusagen, Finanzgarantien und <span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss718\"><span class=\"f charStyle-2babd150 ps30\">sonstige Zusagen dargestellt.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss1337 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss131\"><div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23465 ss232\"><div><div class=\"ps5426 ss163\"><span class=\"f charStyle-1dbd4d87 ps23571\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss163\"><span class=\"f charStyle-1dbd4d87 ps23572\">1.1.2024</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23573 ss1331\"><div><div class=\"ps5426 ss863\"><span class=\"f charStyle-1dbd4d87 ps13210\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss863\"><span class=\"f charStyle-1dbd4d87 ps23466\">Konsolidierungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23574 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps8904\">Zu-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23468\">f\u00fchrungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23575 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps11486\">Auf-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23469\">l\u00f6sungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12331 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps12458\">Ver-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps10948\">brauch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23579 ss775\"><div><div class=\"ps5430 ss5\"><span class=\"f charStyle-1dbd4d87 ps23576\">Umbuchungen, <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss5\"><span class=\"f charStyle-1dbd4d87 ps23577\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23578\">differenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23581 ss1333\"><div><div class=\"ps5426 ss40\"><span class=\"f charStyle-1dbd4d87 ps17893\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss40\"><span class=\"f charStyle-1dbd4d87 ps23580\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-3e64e966 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle </span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-3e64e966 ps30\">Risiken</span><span class=\"f charStyle-cdbbedb5 ps23474\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23476 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps6996\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23582 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23583 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23584 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps214\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23585 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23587 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps23586\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23588 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1865 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">gem\u00e4\u00df IAS 37</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23484 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps485\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23589 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23590 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23591 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23592 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23593 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23594 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3838 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Personalr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23491 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-1dbd4d87 ps13521\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23596 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23595\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23597 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9587\">228<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23598 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps12730\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23599 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11485\">-205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23601 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23600\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23602 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps1672\">478<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Pensionen und andere Leistungen nach <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Beendigung des Arbeitsverh\u00e4ltnisses</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23498 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps23603\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23604 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps9362\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23605 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23606 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23607 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps7185\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23608 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps18513\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23609 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps19735\">168<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen an <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23506 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps21855\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23610 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23611 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps1621\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23612 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23613 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23614 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps8320\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Bonuszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23511 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13421\">275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23615 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20204\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23616 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10730\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23617 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6254\">-188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23619 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22710\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23620 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps107\">266<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23519 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps10496\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23621 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23622 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23623 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23624 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23625 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23626 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1462\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Andere R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23526 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-1dbd4d87 ps18692\">931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23628 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23627\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10467\">1.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23630 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11939\">-120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23631 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps12960\">-247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23632 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17892\">-67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23633 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps8738\">2.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Anh\u00e4ngige Rechts- und Steuerf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23534 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps12492\">636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23635 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21578\">1.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23636 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13255\">-147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23639 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps23638\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23641 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23640\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23541 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1714\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23642 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23643 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23644 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23645 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23646 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23647 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1462\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Belastende Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23548 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps23003\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23649 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23650 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23651 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23652 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23653 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1488\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23555 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps23654\">229<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23655 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20206\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23656 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23657 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps15660\">-111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23658 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20533\">-98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23660 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps23659\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23661 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps34\">155<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23561 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-1dbd4d87 ps2053\">1.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23662\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23664 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3113\">1.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23666 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps23665\">-140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23667 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11485\">-452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23668 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19689\">-83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23669 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps23369\">2.720<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"8\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1338\"><div><div class=\"ps5906 ss1337\"><span class=\"f charStyle-2babd150 ps30\">1 R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken nach IFRS 9 sind nicht enthalten und werden aufgrund der granulareren Darstellung nach Stages unter Punkt (30) Kreditzusagen, Finanzgarantien und <span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss1337\"><span class=\"f charStyle-2babd150 ps30\">sonstige Zusagen dargestellt.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verpflichtungen f\u00fcr Pensionen und aus anderen Leistungen nach Beendigung des <span id=\"iee66a48231f9420a95197b7cd2e0b9e2\"></span></span></div><div class=\"ps23671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Arbeitsverh\u00e4ltnisses</span></div><div class=\"ps23672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">S\u00e4mtliche leistungsorientierten Sozialkapitalr\u00fcckstellungen (R\u00fcckstellungen f\u00fcr Pensionen, Abfertigungsverpflichtungen, </span></div><div class=\"ps23673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geburtstags- und Jubil\u00e4umsgelder) werden gem\u00e4\u00df IAS 19 Employee Benefits nach dem Anwartschaftsbarwertverfahren </span></div><div class=\"ps23674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Projected Unit Credit Method) ermittelt. Als biometrische Rechnungsgrundlagen werden f\u00fcr alle Sozialkapitalr\u00fcckstellungen der <span class=\"f ps24\"> </span></span></div><div class=\"ps23675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten die AV\u00d6 2018-P-Rechnungsgrundlagen f\u00fcr die Pensionsversicherung in der Auspr\u00e4gung f\u00fcr </span></div><div class=\"ps23676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Angestellte herangezogen. In anderen L\u00e4ndern werden vergleichbare aktuarische Berechnungsgrundlagen verwendet. Folgende </span></div><div class=\"ps23679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Personalr\u00fcckstellungen wurden im Gesch\u00e4ftsjahr </span><span class=\"f charStyle-9eccfdcb ps23677\">2025</span><span class=\"f charStyle-9eccfdcb ps23678\"> erfasst:</span></div><div class=\"ps23680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Leistungsorientierte Pensionspl\u00e4ne in \u00d6sterreich und in anderen L\u00e4ndern </span></div><div class=\"ps23681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Andere Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses in \u00d6sterreich und anderen L\u00e4ndern </span></div><div class=\"ps23682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese leistungsorientierten Pensionspl\u00e4ne und sonstigen Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses setzen den </span></div><div class=\"ps23683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern versicherungstechnischen Risiken wie dem Langlebigkeitsrisiko, dem W\u00e4hrungsrisiko, dem Zinsrisiko und dem </span></div><div class=\"ps23684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko (Investitionsrisiko) aus.</span></div><div class=\"ps23685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Verbindlichkeit und der entsprechende Aufwand werden f\u00fcr Leistungen aus Anlass der Beendigung des </span></div><div class=\"ps23686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Arbeitsverh\u00e4ltnisses erfasst, wenn die RBI das Angebot f\u00fcr diese Leistungen nicht mehr zur\u00fcckziehen kann. Werden die </span></div><div class=\"ps23687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen voraussichtlich nicht innerhalb von 12 Monaten nach Ende der Berichtsperiode vollst\u00e4ndig abgegolten, werden diese </span></div><div class=\"ps23688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgezinst.</span></div><div class=\"ps23689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Finanzierung<span id=\"ib27de22fb65445c49557b82930cb5f6b\"></span></span></div><div class=\"ps23690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei den Pensionen bestehen unterschiedliche Pl\u00e4ne: nicht \u00fcber einen Fonds finanzierte, teilweise \u00fcber einen Fonds finanzierte </span></div><div class=\"ps23691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und zur G\u00e4nze \u00fcber einen Fonds finanzierte. Die teilweise und die zur G\u00e4nze \u00fcber einen Fonds finanzierten Pensionspl\u00e4ne der </span></div><div class=\"ps23692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten werden durchwegs \u00fcber die Valida Pension AG veranlagt. Die Valida Pension AG ist eine </span></div><div class=\"ps23693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionskasse und unterliegt im Besonderen den Bestimmungen des Pensionskassengesetzes und des </span></div><div class=\"ps23694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betriebspensionsgesetzes.</span></div><div class=\"ps22215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern erwartet f\u00fcr das folgende Gesch\u00e4ftsjahr eine Beitragszahlung zu den leistungsorientierten Pl\u00e4nen in H\u00f6he von </span></div><div class=\"ps22216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">462</span><span class=\"f charStyle-9eccfdcb ps23695\"> Tausend.</span></div><div class=\"ps23696 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Pensionsverpflichtungen/leistungsorientierte Pl\u00e4ne<span id=\"ic9966c721e6b46efa16cd72777fefd95\"></span></span></div><div class=\"ps23697 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Finanzierungsstatus<span id=\"i362df55f21644764a705985d2dea266f\"></span></span></div><div class=\"ps23698 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Barwert der Verpflichtungen (DBO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20843\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">128<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zeitwert des Planverm\u00f6gens<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19280\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoschulden/Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1115\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Leistungsorientierte Verpflichtungen<span id=\"i1ab22d99401043deaebfa57f68c372a4\"></span></span></div><div class=\"ps3331 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19279\">147<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsdifferenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufender Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verlust/Gewinn aus nachzuverrechnendem Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Netto\u00fcbertragungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Neubewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21993\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">128<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23699 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter \u00c4nderung Konsolidierungskreis wurde im Vorjahr die Entkonsolidierung der belarussischen Konzerneinheiten ausgewiesen. </span></div><div class=\"ps23700 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Planverm\u00f6gen<span id=\"i8e3ae1d8e83c484a97c8dac241755b2f\"></span></span></div><div class=\"ps23702 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Planverm\u00f6gen 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20870\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20870\">37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Beitr\u00e4ge zum Planverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungen aus dem Planverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Netto\u00fcbertragungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus dem Planverm\u00f6gen exkl. Zinsertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Planverm\u00f6gen 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23701\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20870\">37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rendite auf das Planverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Marktwert aller bilanzierten R\u00fcckerstattungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Struktur des Planverm\u00f6gens<span id=\"i42079a8886284658bc42eed80c22a40e\"></span></span></div><div class=\"ps23710 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:53.91pt\"></span></span><span class=\"ps20872\">28<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:53.81pt\"></span></span><span class=\"ps23704\">35<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:53.81pt\"></span></span><span class=\"ps23704\">35<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:54.67pt\"></span></span><span class=\"ps23705\">31<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Alternative Investment-Instrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:56.9pt\"></span></span><span class=\"ps23706\">9<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:56.95pt\"></span></span><span class=\"ps23707\">5<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:56.9pt\"></span></span><span class=\"ps23706\">6<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:56.95pt\"></span></span><span class=\"ps23707\">5<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Bargeld<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:54.13pt\"></span></span><span class=\"ps23708\">22<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:54pt\"></span></span><span class=\"ps13404\">25<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.92pt\"></span></span><span class=\"ps23709\">100<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.92pt\"></span></span><span class=\"ps23709\">100<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Asset-Liability Matching<span id=\"i479677cbc36d4918af0e72f345ad9629\"></span></span></div><div class=\"ps23712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Valida Pension AG ist ein Asset-/Risikomanagement-Prozess (ARM-Prozess) installiert. Gem\u00e4\u00df diesem Prozess wird einmal </span></div><div class=\"ps23713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Jahr ausgehend von der passivseitigen Struktur der Veranlagungs- und Risikogemeinschaften (VRG), die sich wiederum aus </span></div><div class=\"ps23714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Bilanz ergibt, die Risikotragf\u00e4higkeit jeder VRG evaluiert. Von dieser Risikotragf\u00e4higkeit wird die Veranlagungsstruktur der <span class=\"f ps24\"> </span></span></div><div class=\"ps23715 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">VRG abgeleitet. Bei der Definition der Veranlagungsstruktur werden auch definierte und dokumentierte W\u00fcnsche der <span class=\"f ps24\"> </span></span></div><div class=\"ps23716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kund:innen ber\u00fccksichtigt. </span></div><div class=\"ps23717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die definierte Veranlagungsstruktur wird in VRG 60 und VRG 7, in denen die r\u00fcckgestellten Betr\u00e4ge der RBI veranlagt werden, </span></div><div class=\"ps23718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit einem Konzeptinvestment umgesetzt. Dies bedeutet, dass die Gewichtung von vordefinierten Asset-Klassen im Rahmen </span></div><div class=\"ps23719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Bandbreiten nach objektiven Kriterien erfolgt, die sich aus Markttrends ableiten lassen. In Stressphasen wird zudem eine </span></div><div class=\"ps23720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung der Aktienkomponente vorgenommen.</span></div><div class=\"ps23721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Versicherungsmathematische Annahmen<span id=\"i79dfed0399784002900be3a51ce20fa8\"></span></span></div><div class=\"ps23722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die der Berechnung der leistungsorientierten Nettoverpflichtung zugrunde gelegten, langfristigen </span></div><div class=\"ps23723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versicherungsmathematischen Annahmen:</span></div><div class=\"ps23727 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23724\">3,5-6,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23725\">3,0-6,0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Steigerungssatz f\u00fcr Pensionsbemessungsgrundlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">0,5-4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23726\">0,5-3,1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Steigerungssatz f\u00fcr k\u00fcnftige Pensionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">0,5-4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23726\">0,5-3,1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die versicherungsmathematische Berechnung der Pensionsverpflichtungen in der Konzernzentrale wird f\u00fcr aktive </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstnehmer ein Rechnungszinssatz von 4,05 Prozent (Vorjahr: 3,28 Prozent) sowie eine pensionswirksame Gehaltssteigerung </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von 3,0 Prozent im ersten Jahr, 2,1 Prozent im zweiten Jahr sowie 2,3 Prozent in den Folgejahren (Vorjahr: 4,1 Prozent im ersten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr, 3,2 Prozent im zweiten Jahr sowie 3,1 Prozent in den Folgejahren) zugrunde gelegt.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die der Berechnung der leistungsorientierten Nettoverpflichtung zugrunde gelegte Lebenserwartung:</span></div><div class=\"ps23732 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren \u2013 M\u00e4nner<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.89pt\"></span></span><span class=\"ps23729\">23,8<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.93pt\"></span></span><span class=\"ps18476\">23,6<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren \u2013 Frauen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.12pt\"></span></span><span class=\"ps19979\">26,2<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.93pt\"></span></span><span class=\"ps18476\">26,3<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren f\u00fcr 45-j\u00e4hrige M\u00e4nner<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.8pt\"></span></span><span class=\"ps20202\">26,4<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.85pt\"></span></span><span class=\"ps23730\">26,1<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren f\u00fcr 45-j\u00e4hrige Frauen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.9pt\"></span></span><span class=\"ps20216\">28,6<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.95pt\"></span></span><span class=\"ps23731\">28,5<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gewichtete Duration der Nettopensionsverpflichtung betrug </span><span class=\"f charStyle-9eccfdcb ps23733\">8,6</span><span class=\"f charStyle-9eccfdcb ps23734\"> Jahre (Vorjahr: </span><span class=\"f charStyle-9eccfdcb ps23735\">10,2</span><span class=\"f charStyle-9eccfdcb ps23736\"> Jahre).</span></div><div class=\"ps23738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Sensitivit\u00e4tsanalyse<span id=\"i20bc33400e5e4e93b653f9e11765a652\"></span></span></div><div class=\"ps23739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tritt bei einer der relevanten versicherungsmathematischen Annahme eine \u00c4nderung ein, w\u00e4hrend die anderen Annahmen </span></div><div class=\"ps23740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konstant bleiben, w\u00fcrden sich die Vorsorgeverpflichtungen f\u00fcr \u00f6sterreichische Konzerneinheiten zum Bilanzstichtag wie folgt </span></div><div class=\"ps23741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ver\u00e4ndern:</span></div><div class=\"ps23750 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps22231\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps23742\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23743\">Zunahme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10825\">Abnahme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23743\">Zunahme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10825\">Abnahme<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz (1 Prozentpunkt Ver\u00e4nderung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23745\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00fcnftige Gehaltssteigerung (0,5 Prozentpunkt Ver\u00e4nderung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18481\">-0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18481\">-0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00fcnftige Pensionssteigung (0,25 Prozentpunkt Ver\u00e4nderung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Verbleibende Lebenserwartung (Ver\u00e4nderung 1 Jahr)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20141\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verpflichtungen aus anderen Leistungen anl\u00e4sslich der Beendigung des <span id=\"i7e7a57a22540400ca6cc7c4143e68b42\"></span></span></div><div class=\"ps23752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Arbeitsverh\u00e4ltnisses</span></div><div class=\"ps23753 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1115\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20555\">72<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufender Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verlust/Gewinn aus nachzuverrechnendem Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbertragungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Neubewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22042\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1115\">77<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Versicherungsmathematische Annahmen<span id=\"id0f938ebb9424a3b979a5017e36c0467\"></span></span></div><div class=\"ps23756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die der Berechnung von anderen Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses zugrunde gelegten, </span></div><div class=\"ps23757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen versicherungsmathematischen Annahmen:</span></div><div class=\"ps23760 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23758\">3,5-4,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17467\">3,0-3,4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00fcnftige Gehaltssteigerung f\u00fcr Dienstnehmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">0,5-4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23759\">0,5-5,0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Personalaufwand<span id=\"i1fd8a6431da548acb7025b78dad87434\"></span></span></div><div class=\"ps23762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Detailangaben zum Personalaufwand (Aufwendungen f\u00fcr leistungsorientierte Pensionspl\u00e4ne, Aufwendungen f\u00fcr andere </span></div><div class=\"ps23765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses) sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps23763\">(7) Verwaltungsaufwendungen</span><span class=\"f charStyle-9eccfdcb ps23764\"> dargestellt.</span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(45) Offene Rechtsf\u00e4lle<span id=\"i4d346b82ed764889bbf7474597edeaad_1319\"></span><span id=\"i23d09f5a71524f22999efa874cffb125\"></span></span></div><div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist an diversen Gerichts-, Beh\u00f6rden- oder Schiedsverfahren vor verschiedenen Gerichten und Beh\u00f6rden beteiligt, die sich </span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Regel aus der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit in vertraglichen, arbeitsrechtlichen und anderen Angelegenheiten </span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ergeben.</span></div><div class=\"ps27593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine R\u00fcckstellung wird nur dann gebildet, wenn eine gegenw\u00e4rtige rechtliche oder faktische Verpflichtung aufgrund eines </span></div><div class=\"ps27594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vergangenen Ereignisses entstanden ist, die Zahlung wahrscheinlich ist und der Betrag zuverl\u00e4ssig gesch\u00e4tzt werden kann. Eine </span></div><div class=\"ps27595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eventualverbindlichkeit, die aufgrund eines vergangenen Ereignisses entstanden ist, wird offengelegt, es sei denn die </span></div><div class=\"ps27596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen sind h\u00f6chst unwahrscheinlich. Eine Eventualforderung aufgrund eines vergangenen Ereignisses wird ausgewiesen, </span></div><div class=\"ps13872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn eine hohe Eintrittswahrscheinlichkeit gegeben ist. In der nachfolgenden Beschreibung wird in jenen F\u00e4llen kein Betrag <span class=\"f ps24\"> </span></span></div><div class=\"ps13873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">genannt, in denen in \u00dcbereinstimmung mit IAS 37, dies schwerwiegend nachteilig w\u00e4re. Die Berechnung der R\u00fcckstellung findet </span></div><div class=\"ps13874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in bestimmten F\u00e4llen auf einer Portfoliobasis statt, weil die Sch\u00e4tzung der Verpflichtung damit eine h\u00f6here Verl\u00e4sslichkeit </span></div><div class=\"ps13875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufweist. Die RBI hat ihre R\u00fcckstellungen, Eventualforderungen und -verbindlichkeiten in die Gruppen Konsumentenschutz, </span></div><div class=\"ps27597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bankgesch\u00e4fte, Durchsetzung durch Regulierungsbeh\u00f6rden und Steuerf\u00e4lle eingeteilt.</span></div><div class=\"ps27598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Rasperia<span id=\"i7b17e444151849beaf5acc2b6821a9a4\"></span></span></div><div class=\"ps20748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im August 2024 reichte das russische Unternehmen Rasperia Trading Limited (Rasperia) eine Klage gegen die \u00f6sterreichische </span></div><div class=\"ps20749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft STRABAG SE (STRABAG) und mehrere Gro\u00dfaktion\u00e4re der STRABAG (STRABAG-Aktion\u00e4re) sowie gegen die russische </span></div><div class=\"ps20750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaft der RBI, AO Raiffeisenbank, beim russischen Gericht der Region Kaliningrad ein. Rasperia, die 28.500.000 </span></div><div class=\"ps20751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Stammaktien und eine Namensaktie h\u00e4lt, behauptet, dass ihr Aktion\u00e4rsrechte entzogen worden seien. Insbesondere </span></div><div class=\"ps20752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">d\u00fcrfe sie nicht an Hauptversammlungen teilnehmen oder Mitglieder des Aufsichtsrats der STRABAG ernennen, ihr seien f\u00fcr die </span></div><div class=\"ps20753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vergangenen Jahre keine Dividenden gezahlt worden, und der Anteil von Rasperia an STRABAG wurde 2023 ohne ihre </span></div><div class=\"ps20754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zustimmung und ohne Abfindung verw\u00e4ssert worden. Nach Angaben von Rasperia sind durch den Verlust s\u00e4mtlicher </span></div><div class=\"ps20755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktion\u00e4rsrechte Verluste in H\u00f6he von rund \u20ac 1,983 Milliarden entstanden, die sich aus dem Marktwert von Rasperias Anteil an </span></div><div class=\"ps27599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG sowie aus nicht gezahlten Dividenden und aus Zinsen auf beide Betr\u00e4ge zusammensetzen.</span></div><div class=\"ps20760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die AO Raiffeisenbank wird in der Klage als mit den anderen Beklagten in Verbindung stehend erw\u00e4hnt, ihr wird jedoch kein </span></div><div class=\"ps20761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenes Fehlverhalten vorgeworfen. Die RBI AG ist an diesem Verfahren nicht beteiligt.</span></div><div class=\"ps27600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia hat die Anspr\u00fcche gegen STRABAG und die STRABAG-Aktion\u00e4re von den Anspr\u00fcchen gegen die AO Raiffeisenbank </span></div><div class=\"ps27601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getrennt:</span></div><div class=\"ps27602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(i) Der Anspruch gegen STRABAG und die STRABAG-Aktion\u00e4re lautet auf Schadenersatz in H\u00f6he von circa \u20ac 1,983 Milliarden </span></div><div class=\"ps27603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuz\u00fcglich Zinsen bis zur Urteilsvollstreckung (geforderter Betrag).</span></div><div class=\"ps27604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(ii) Die Klage gegen die AO Raiffeisenbank soll die Vollstreckung des unter Punkt (i) genannten Urteils in Russland sicherstellen </span></div><div class=\"ps27605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und umfasst daher die Zwangsvollstreckung in die Barmittel der AO Raiffeisenbank (insbesondere hinsichtlich ihrer nicht </span></div><div class=\"ps27606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesch\u00fctteten Gewinne) zur Abgeltung des Rasperia zuerkannten Betrags und im Gegenzug die Anerkennung des Eigentums </span></div><div class=\"ps27607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der AO Raiffeisenbank an den von Rasperia gehaltenen 28.500.000 STRABAG-Stammaktien und einer Namensaktie ab dem Tag </span></div><div class=\"ps27608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Vollstreckung des Urteils gegen die AO Raiffeisenbank.</span></div><div class=\"ps27609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der vorbereitenden Tagsatzung am 16. Oktober 2024 wurde der geforderte Betrag von circa \u20ac 1,983 Milliarden auf circa </span></div><div class=\"ps27610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a02,043 Milliarden erh\u00f6ht. </span></div><div class=\"ps27611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 20. J\u00e4nner 2025 hat das russische Gericht in Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass die STRABAG und die </span></div><div class=\"ps27612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Aktion\u00e4re \u20ac 2,044 Milliarden an Rasperia zahlen m\u00fcssen und das Urteil gegen Verm\u00f6genswerte der AO Raiffeisenbank </span></div><div class=\"ps27613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollstreckt werden kann.</span></div><div class=\"ps952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In seinem Urteil ist das russische Gericht auch dem Antrag von Rasperia gefolgt, wonach die Eigentumsrechte an den von </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia gehaltenen Aktien der STRABAG an die AO Raiffeisenbank \u00fcbertragen werden sollen. Russische Urteile haben jedoch in </span></div><div class=\"ps27614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich keine bindende Wirkung, weshalb die \u00dcbertragung der Aktien nicht durchsetzbar ist. Dar\u00fcber hinaus sind die </span></div><div class=\"ps27615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Aktien der Rasperia aufgrund von EU-Sanktionen eingefroren, was ihre \u00dcbertragung derzeit ebenfalls verhindert.</span></div><div class=\"ps27616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 21. Februar legte die AO Raiffeisenbank gegen dieses Urteil Berufung mit aufschiebender Wirkung ein. Am 24. April 2025 </span></div><div class=\"ps27617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">best\u00e4tigte das russische Berufungsgericht in St. Petersburg das erstinstanzliche Urteil des russischen Gerichts der Region </span></div><div class=\"ps27618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaliningrad. Aufgrund der Entscheidung des St. Petersburger Berufungsgerichts muss die AO Raiffeisenbank den vom russischen </span></div><div class=\"ps27619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht der Region Kaliningrad zugesprochenen Schadenersatz von \u20ac 2,044 Milliarden zahlen. Am 25. April 2025 hat die AO </span></div><div class=\"ps27620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank gegen das Urteil des Berufungsgerichts ein weiteres Rechtsmittel bei der n\u00e4chsten russischen Instanz, dem </span></div><div class=\"ps27621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kassationsgericht in St. Petersburg, eingebracht. Dem Rechtsmittel an das Kassationsgericht war auch ein Antrag auf Aufschub </span></div><div class=\"ps27622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Vollstreckung des zweitinstanzlichen Urteils angeschlossen, der allerdings bereits vom Kassationsgericht abgewiesen </span></div><div class=\"ps27623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde. In der Gerichtsverhandlung am 4. August 2025 wies das Kassationsgericht in St. Petersburg die Kassationsbeschwerde </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der AO Raiffeisenbank gegen das Urteil ab. AO Raiffeisenbank hat von der Einlegung eines au\u00dferordentlichen Rechtsmittels </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim Obersten Gerichtshof der Russischen F\u00f6deration abgesehen, um weitere finanzielle Risiken zu minimieren. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 30. April 2025 beantragte Rasperia bei der russischen Zentralbank (CBR) die Vollstreckung des Urteils durch Belastung eines </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzkontos der AO Raiffeisenbank bei der CBR mit dem RUB-\u00c4quivalent von \u20ac 1,870 Milliarden (dies entspricht dem </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia vom russischen Gericht der Region Kaliningrad zugesprochenen Schadenersatz ohne Zinsen von circa \u20ac 174 Millionen). </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Entsprechung dieses Antrags wurde noch am 30. April ein Betrag von RUB 174,221 Milliarden von einem CBR-</span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzkonto der AO Raiffeisenbank von der CBR zugunsten von Rasperia abgezogen bzw. gepf\u00e4ndet. Die Rasperia vom </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Gericht der Region Kaliningrad zugesprochenen Zinsen waren zu diesem Zeitpunkt nicht Gegenstand von Rasperias </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungsantrag an die CBR, sondern Gegenstand eines zweiten Vollstreckungsantrags vom 26. Mai 2025. Infolgedessen </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde am 27. Mai 2025 ein Betrag von circa RUB 21,599 Milliarden (entsprechend circa \u20ac 239 Millionen einschlie\u00dflich inzwischen </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgelaufener Zinsen) von einem CBR-Korrespondenzkonto der AO Raiffeisenbank durch die CBR zugunsten von Rasperia </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgezogen bzw. gepf\u00e4ndet. Dabei hat Rasperia jedoch die Zinsen f\u00fcr den letzten Tag des Zinslaufs nicht vollstreckt. Letztlich </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde durch Rasperia am 15. Juli 2025 mit ihrem dritten Vollstreckungsantrag ein Betrag von circa RUB 36,7 Millionen (dies </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entspricht circa \u20ac 400.000), der dem noch ausstehenden Zinsenbetrag entspricht, von einem CBR-Korrespondenzkonto der AO </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank durch die CBR zugunsten von Rasperia abgezogen bzw. gepf\u00e4ndet.</span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der RBI-Konzern ist auch weiterhin davon \u00fcberzeugt, dass die gerichtliche Geltendmachung der Schadenersatzforderung gegen </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia in \u00d6sterreich und deren Vollstreckung in die \u00f6sterreichischen Verm\u00f6genswerte von Rasperia auf einer starken </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtlichen Grundlage stehen. Die gerichtliche Geltendmachung des Schadenersatzanspruches gegen Rasperia kann dabei in </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">voller \u00dcbereinstimmung mit dem EU-Sanktionsrecht erfolgen, um Sch\u00e4den zu mindern, indem sie die Vollstreckung gegen die </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte von Rasperia in \u00d6sterreich anstrebt. Die rechtlichen Grundlagen f\u00fcr eine solche Klage sind unter anderem in <span class=\"f ps24\"> </span></span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den EU-Sanktionen (Artikel 11a der Verordnung (EU) Nr. 269/2014 und Artikel 11b der Verordnung (EU) Nr. 833/2014) verankert, die </span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">speziell auf F\u00e4lle wie eine solche Klage gegen Rasperia abzielen. Dementsprechend wird ein positives Ergebnis einer solchen </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klage unver\u00e4ndert als sehr wahrscheinlich angesehen. </span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 12. August 2025 wurde der AO Raiffeisenbank eine weitere Klage von Rasperia gegen STRABAG und die STRABAG-Aktion\u00e4re </span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie die AO Raiffeisenbank zugestellt, die beim Schiedsgericht der Region Kaliningrad eingereicht worden war. Rasperia </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verlangt von STRABAG und den STRABAG-Aktion\u00e4ren den Rubel-Gegenwert von circa \u20ac 339 Millionen, der unter anderem </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadenersatz f\u00fcr den Nichterhalt der finanziellen Entsch\u00e4digung im Zusammenhang mit der im Jahr 2024 durchgef\u00fchrten </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Herabsetzung des genehmigten Kapitals von STRABAG sowie f\u00fcr nicht ausgezahlte Dividenden von STRABAG f\u00fcr 2024 und </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen auf diese Betr\u00e4ge umfasst, die bis zum Tag der vollst\u00e4ndigen Zahlung weiter anfallen werden. Rasperia hat AO </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank auch in diese Klage aufgenommen, um die vollst\u00e4ndige Vollstreckung des Urteils in die Verm\u00f6genswerte der AO </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank in Russland sicherzustellen. Die RBI AG ist an diesem Verfahren nicht beteiligt. Das Schiedsgericht der Region </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaliningrad hat die Hauptverhandlung f\u00fcr den 20. November 2025 anberaumt. Am 18. Dezember 2025 hat das Schiedsgericht </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Region Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass STRABAG und die STRABAG-Aktion\u00e4re verpflichtet sind, an </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia \u20ac 339 Millionen zu zahlen, und dass das Urteil in die Verm\u00f6genswerte von AO Raiffeisenbank vollstreckt werden kann. </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AO Raiffeisenbank hat gegen dieses Urteil Berufung mit aufschiebender Wirkung eingelegt. AO Raiffeisenbank hat im Dezember </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebucht.</span></div><div class=\"ps2440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Antrag auf Erlassung einer Unterlassungsverf\u00fcgung (Anti-Suit-Injunction)</span></div><div class=\"ps27624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 9. Juni 2025 hat Rasperia einen Antrag auf Erlass einer Unterlassungsverf\u00fcgung (Anti-Suit Injunction; ASI) beim russischen </span></div><div class=\"ps27625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht der Region Kaliningrad eingereicht, der sich gegen die STRABAG-Aktion\u00e4re und die AO Raiffeisenbank richtet. Laut dem </span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ASI-Antrag beantragt Rasperia (A) die Fortsetzung des in Amsterdam eingeleiteten Schiedsverfahrens der STRABAG- Aktion\u00e4re </span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen Rasperia (Amsterdam Arbitration) und (B) die Einreichung von Schadenersatzklagen vor ausl\u00e4ndischen Gerichten, die sich </span></div><div class=\"ps2446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf das Kaliningrader Verfahren beziehen, das zum russischen Urteil vom 20. J\u00e4nner 2025 f\u00fchrte, zu untersagen. Rasperia </span></div><div class=\"ps2447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beantragt die gerichtliche Strafe in H\u00f6he des RUB-\u00c4quivalents von \u20ac 1,09 Milliarden gegen die AO Raiffeisenbank zu </span></div><div class=\"ps2448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollstrecken, f\u00fcr den Fall, dass einer ASI in Bezug auf das Amsterdam Arbitration nicht entsprochen wird (siehe Punkt (A) oben) </span></div><div class=\"ps2449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und in diesem Zusammenhang behauptet, dass die AO Raiffeisenbank von einem der STRABAG-Aktion\u00e4re kontrolliert wird. Am </span></div><div class=\"ps2450 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2. Juli 2025 erg\u00e4nzte Rasperia ihren ASI-Antrag, um die RBI als Beklagte aufzunehmen, und strebt an, der RBI zu untersagen, </span></div><div class=\"ps2451 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausl\u00e4ndische Verfahren wegen Schadenersatzforderungen im Zusammenhang mit den Kaliningrader Verfahren einzuleiten </span></div><div class=\"ps2452 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(siehe Punkt (B) oben). Im Juli und September 2025 haben alle STRABAG-Aktion\u00e4re das Amsterdamer Schiedsverfahren </span></div><div class=\"ps2453 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingestellt und ihre Anspr\u00fcche unwiderruflich zur\u00fcckgezogen. Im Gegenzug und zur Vorbereitung auf die m\u00fcndliche </span></div><div class=\"ps2454 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhandlung am 13. Oktober 2025 zog Rasperia ihren ASI-Antrag im Zusammenhang mit dem Amsterdamer Schiedsverfahren </span></div><div class=\"ps2455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und der gerichtlichen Strafe von \u20ac 1,09 Milliarden Euro zur\u00fcck (siehe Punkt (A) oben). Das Schiedsgericht der Region Kaliningrad </span></div><div class=\"ps2456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat den n\u00e4chsten Verhandlungstermin \u00fcber Rasperias verbleibenden (i.e. zweiten) ASI-Antrag (siehe Punkt (B) oben) am 25. </span></div><div class=\"ps27627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Februar 2026 anberaumt.</span></div><div class=\"ps2458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Bewertung rechtlicher Risiken</span></div><div class=\"ps27628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein positives Urteil im \u00f6sterreichischen Zivilverfahren w\u00fcrde wiederum die Vollstreckung gegen Rasperias STRABAG-Aktien </span></div><div class=\"ps27629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie gegen alle damit verbundenen Dividenden oder Zahlungen im Zusammenhang mit Kapitalma\u00dfnahmen erm\u00f6glichen, die </span></div><div class=\"ps27630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund von Sanktionen zur\u00fcckgehalten wurden. Die Erfolgsaussichten in den Verwaltungsverfahren zur Aufhebung der </span></div><div class=\"ps27631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionierung von Rasperias Verm\u00f6genswerten sowie in der gerichtlichen Vollstreckung gegen Rasperias STRABAG Aktien, </span></div><div class=\"ps27632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich zur\u00fcckgehaltener Zahlungen im Zusammenhang mit Kapitalma\u00dfnahmen, werden als sehr wahrscheinlich </span></div><div class=\"ps27633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angesehen.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Obwohl Rechtsstreitigkeiten immer Risiken bergen, wurden in der externen rechtlichen Beurteilung keine wesentlichen </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hindernisse festgestellt, warum die RBI nicht erfolgreich sein sollte. Verbleibende Unsicherheiten im Zusammenhang mit einer in </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich gegen Rasperia eingeleiteten Klage k\u00f6nnten Folgendes umfassen:</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ungetestetes EU-Sanktionsrecht: Der relevante EU-Sanktionsrahmen ist praktisch ungetestet.</span></div><div class=\"ps12402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Verj\u00e4hrung von Dividenden: Es gibt keine Rechtsprechung zu den rechtlichen Konsequenzen der in den Statuten von </span></div><div class=\"ps12403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">STRABAG festgelegten Verj\u00e4hrungsfrist f\u00fcr Dividenden.</span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Aufhebung der Sperre von Rasperias Verm\u00f6genswerten: Im Kontext des EU-Sanktionsrechts bleibt ein geringes Ma\u00df </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">an rechtlicher Unsicherheit bestehen, weil eine Beh\u00f6rde argumentieren k\u00f6nnte, dass sie keine positive Entscheidung </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">treffen sollte, selbst wenn die Anforderungen erf\u00fcllt sind. Dieses Risiko wird jedoch als sehr gering eingesch\u00e4tzt.</span></div><div class=\"ps18985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter dem Gesichtspunkt der US-Sanktionen ist zu beachten, dass die Vereinigten Staaten zwei Hauptkategorien von </span></div><div class=\"ps27634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen haben: \u201ePrim\u00e4re Sanktionen\u201c und \u201eSekund\u00e4re Sanktionen\u201d. Prim\u00e4re Sanktionen betreffen Aktivit\u00e4ten mit US-Bezug, </span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich US-Personen oder Verbindungen zu US-Territorium, und k\u00f6nnen OFAC-Lizenzen f\u00fcr ansonsten verbotene </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionen erfordern. Sekund\u00e4re Sanktionen richten sich gegen Nicht-US-amerikanische Personen und Unternehmen, die </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte Aktivit\u00e4ten mit sanktionierten Parteien durchf\u00fchren. Sie zielen darauf ab, ein solches Verhalten zu unterbinden, ohne </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass ein US-Bezug erforderlich ist, und k\u00f6nnen zu verschiedenen Sanktionen f\u00fchren. Da kein US-Bezug besteht, w\u00fcrde es keine </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prim\u00e4ren Sanktionen f\u00fcr das Urteil in Russland oder die potenzielle Klage gegen Rasperia in \u00d6sterreich geben. Sekund\u00e4re </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen sind hingegen zu ber\u00fccksichtigen, da Rasperia den US-Sanktionen unterliegt. Wie bisher informiert die RBI AG das </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">OFAC und das US-Finanzministerium weiterhin transparent \u00fcber wesentliche Entwicklungen sowohl im russischen </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsverfahren als auch im Regressverfahren in \u00d6sterreich. Dementsprechend wird das potentielle US-Sanktionsrisiko f\u00fcr die </span></div><div class=\"ps27635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG und die AO Raiffeisenbank, das sich aus dem russischen Urteil gegen die AO Raiffeisenbank und aus potenziellen </span></div><div class=\"ps27636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regressklagen der RBI AG/AO Raiffeisenbank in \u00d6sterreich, aber auch f\u00fcr etwaige K\u00e4ufer und involvierte Parteien im Rahmen </span></div><div class=\"ps27637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Exekution des Verm\u00f6gens eines sanktionierten Unternehmens, ergibt, als gering eingesch\u00e4tzt.</span></div><div class=\"ps4205 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Informationen zur Rechnungslegungsmethode und wesentliche bilanzielle Ermessensspielr\u00e4ume</span></div><div class=\"ps27638 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund ge\u00e4nderter Umst\u00e4nde im Zusammenhang mit der Beantragung einer Unterlassungsverf\u00fcgung durch die Rasperia hat </span></div><div class=\"ps27639 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich die Einsch\u00e4tzung des Managements hinsichtlich des erwarteten Mittelzuflusses aus der Vollstreckung der Anspr\u00fcche </span></div><div class=\"ps27640 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber Rasperia ge\u00e4ndert. Die ge\u00e4nderte Einsch\u00e4tzung zum 30. Juni 2025 ber\u00fccksichtigt die Einbeziehung der RBI in den </span></div><div class=\"ps27641 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Antrag von Rasperia auf die oben genannte Unterlassungsverf\u00fcgung (Anti-Suit-Injunction) und der damit verbundenen Risiken </span></div><div class=\"ps27642 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines Verm\u00f6gensabflusses im RBI-Konzern, die Chancen, diese abzuwenden, und die daraus resultierende Verz\u00f6gerung bei der </span></div><div class=\"ps27643 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einreichung der Klage der RBI gegen Rasperia in \u00d6sterreich. Daher kam das Management zu dem Schluss, dass die Kriterien, um </span></div><div class=\"ps27644 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesen Verm\u00f6genswert zu bilanzieren, nach IFRS nicht mehr gegeben waren. </span></div><div class=\"ps2484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 18. Dezember 2025 hat das Schiedsgericht der Region Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass STRABAG und </span></div><div class=\"ps2485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die STRABAG-Aktion\u00e4re verpflichtet sind, an Rasperia \u20ac 339 Millionen zu zahlen, und dass das Urteil gegen die Verm\u00f6genswerte </span></div><div class=\"ps27645 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von AO Raiffeisenbank vollstreckt werden kann. AO Raiffeisenbank hat gegen dieses Urteil Berufung mit aufschiebender </span></div><div class=\"ps27646 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirkung eingelegt. AO Raiffeisenbank hat im Dezember 2025 eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebucht.</span></div><div class=\"ps27647 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Finanzielle Auswirkungen</span></div><div class=\"ps27648 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 wurde der der Rasperia zugesprochene Schadenersatz in H\u00f6he von \u20ac 2.109 Millionen (inklusive Zinsen) </span></div><div class=\"ps27649 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Korrespondenzkonto der AO Raiffeisenbank durch die russische Zentralbank abgezogen bzw. gepf\u00e4ndet und die daf\u00fcr zum </span></div><div class=\"ps27650 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresende 2024 gebildete R\u00fcckstellung in H\u00f6he von \u20ac 840 Millionen verbraucht. Aufgrund der ge\u00e4nderten Einsch\u00e4tzung des </span></div><div class=\"ps27651 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Managements wurden die erwarteten Erl\u00f6se aus der Vollstreckung von Anspr\u00fcchen in die \u00f6sterreichischen Verm\u00f6genswerte </span></div><div class=\"ps27652 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Rasperia in H\u00f6he von \u20ac 1.204 Millionen im Juni 2025 ausgebucht. Trotz der ge\u00e4nderten Bilanzierung bleibt die rechtliche </span></div><div class=\"ps27653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beurteilung der Schadenersatzforderung der RBI unver\u00e4ndert. Das Management ist weiterhin davon \u00fcberzeugt, dass die </span></div><div class=\"ps27654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadenersatzforderung gegen Rasperia in \u00d6sterreich und deren Vollstreckung in die \u00f6sterreichischen Verm\u00f6genswerte von </span></div><div class=\"ps27655 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia auf einer starken rechtlichen Grundlage stehen.</span></div><div class=\"ps27656 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den von Rasperia, von STRABAG und den STRABAG-Aktion\u00e4ren eingeforderten Schadenersatz f\u00fcr den Nichterhalt der </span></div><div class=\"ps27657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Entsch\u00e4digung im Zusammenhang mit der im Jahr 2024 durchgef\u00fchrten Kapitalherabsetzung sowie f\u00fcr nicht </span></div><div class=\"ps27658 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezahlte Dividenden und die darauf bis zur vollst\u00e4ndigen Zahlung anfallenden Zinsen, wurde eine R\u00fcckstellung in H\u00f6he von </span></div><div class=\"ps27659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 339 Millionen gebildet.</span></div><div class=\"ps27660 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Einstweilige Verf\u00fcgung (Tempor\u00e4res \u00dcbertragungsverbot)</span></div><div class=\"ps3553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zusammenhang mit dem oben genannten Gerichtsverfahren von Rasperia gegen, unter anderem, die AO Raiffeisenbank </span></div><div class=\"ps3554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hatte ein russisches Gericht am 5. September 2024 eine einstweilige Verf\u00fcgung erlassen, mit der Aktien an der AO </span></div><div class=\"ps3555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank mit sofortiger Wirkung einem tempor\u00e4ren \u00dcbertragungsverbot unterlagen. Das \u00dcbertragungsverbot zielte </span></div><div class=\"ps3556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darauf ab den Status quo, bis zur Kl\u00e4rung der Anspr\u00fcche von Rasperia, aufrecht zu erhalten. Aufgrund dieser </span></div><div class=\"ps3557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsentscheidung konnte die RBI ihre Anteile an der AO Raiffeisenbank nicht \u00fcbertragen, was die Bem\u00fchungen der RBI, eine </span></div><div class=\"ps3558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mehrheitsbeteiligung an der AO Raiffeisenbank zu verkaufen, erschwerte. Da der Antrag der AO Raiffeisenbank auf Aufhebung </span></div><div class=\"ps27661 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der einstweiligen Verf\u00fcgung abgelehnt wurde, legte die AO Raiffeisenbank am 27. September 2024 ein Rechtsmittel beim </span></div><div class=\"ps27662 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zust\u00e4ndigen Berufungsschiedsgericht in St. Petersburg ein. Am 5. Dezember 2024 best\u00e4tigte das Berufungsschiedsgericht die </span></div><div class=\"ps27663 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einstweilige Verf\u00fcgung. Die AO Raiffeisenbank legte im J\u00e4nner 2025 Berufung beim Kassationsgericht in St. Petersburg ein, die </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am 24. M\u00e4rz 2025 abgewiesen wurde. Es wurde erwartet, dass die Verf\u00fcgungsbeschr\u00e4nkung \u00fcber die Aktien der AO </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank, die zur Sicherung der Zahlung von Schadenersatz an Rasperia auferlegt worden war, nach Zahlung des </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollst\u00e4ndigen Schadenersatzbetrages inklusive Zinsen, wie vom russischen Gericht der Region Kaliningrad der Rasperia </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugesprochen, aufgehoben wird. In Folge des Abzugs des gesamten Betrags der Schadenersatzforderung einschlie\u00dflich der </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen, die Rasperia durch das russische Urteil vom 20. J\u00e4nner 2025 zugesprochen wurden, hat die AO Raiffeisenbank am 23. Juli </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 einen Antrag beim zust\u00e4ndigen russischen Gericht auf Aufhebung des tempor\u00e4ren \u00dcbertragungsverbots gestellt. In der </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsverhandlung am 4. August 2025 gab das Kassationsgericht in St. Petersburg dem Antrag der AO Raiffeisenbank auf </span></div><span class=\"f charStyle-9eccfdcb ps17\">Aufhebung der einstweiligen Verf\u00fcgung statt und hob das \u00dcbertragungsverbot f\u00fcr die Aktien an der AO Raiffeisenbank auf.</span><div class=\"ps27665 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Konsumentenschutz<span id=\"i49c2511f969148488ddf2d13bb066d9a\"></span></span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist mit Klagen von Kund:innen in Zusammenhang mit Themen des Konsumentenschutzes konfrontiert. Die meisten </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen betreffen Vertragsbedingungen, die vermeintlich den Konsumentenschutz oder andere Gesetze verletzen. Das </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtliche Risiko in Verbindung mit diesen Forderungen wird durch die Gefahr von politisch motivierten Gesetzen, welche den </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grad der Unvorhersehbarkeit steigern, erh\u00f6ht.</span></div><div class=\"ps27666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Kroatien<span id=\"id5d24f691af44f95a343e27d5836700e\"></span></span></div><div class=\"ps17016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Kroatien wurden in einem von einer Konsumentenschutzorganisation gegen die Raiffeisenbank Austria, d.d., Zagreb (RBHR) </span></div><div class=\"ps27667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und andere kroatische Banken angestrengten Verfahren zwei Klauseln f\u00fcr nichtig befunden, die in den Jahren zwischen </span></div><div class=\"ps27668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2003/2004 und 2008 in Kreditvertr\u00e4gen mit Konsumenten verwendet wurden. Dabei handelt es sich um eine Zinsanpassungs- </span></div><div class=\"ps27669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und eine CHF-Index-Klausel. Gegen den Entscheid \u00fcber die Zinsanpassungsklausel kann kein Rechtsmittel mehr eingelegt </span></div><div class=\"ps27670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Das Urteil, wonach die CHF-Index-Klauseln unwirksam sind, wurde vom Obersten Gerichtshof des Landes und vom </span></div><div class=\"ps27671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kroatischen Verfassungsgericht best\u00e4tigt. RBHR pr\u00fcft die M\u00f6glichkeit, diese Entscheidung anzufechten und reichte im August </span></div><div class=\"ps27672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2021 einen Antrag beim Europ\u00e4ischen Gerichtshof f\u00fcr Menschenrechte ein. Die Vergabe von CHF-indexierten Darlehen, die nach </span></div><div class=\"ps27673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem kroatischen Umwandlungsgesetz in Euro-indexierte Darlehen konvertiert wurden, war vor dem Gerichtshof der </span></div><div class=\"ps27674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Europ\u00e4ischen Union (EuGH) zur Vorabentscheidung anh\u00e4ngig. Im Mai 2022 ver\u00f6ffentlichte der EuGH eine Vorabentscheidung, </span></div><div class=\"ps27675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber gab, wie auch der kroatische Oberste Gerichtshof in einem Musterverfahren keine Antwort darauf, ob Konsumenten von </span></div><div class=\"ps27676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bereits konvertierten Darlehen einen Anspruch auf zus\u00e4tzliche Entsch\u00e4digungen haben (neben den positiven Effekten, die sich </span></div><div class=\"ps27677 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus der Konvertierung gem\u00e4\u00df den Bestimmungen des kroatischen Konsumentenschutzgesetzes 2015 ergaben). Daher bleibt die <span class=\"f ps24\"> </span></span></div><div class=\"ps27678 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Frage, ob Konsumenten Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung (ungeachtet der Konvertierung) haben, Sache der </span></div><div class=\"ps27679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">innerstaatlichen Gerichte, in erster Linie des kroatischen Obersten Gerichtshofs. Auf Grundlage der bereits zur Unwirksamkeit </span></div><div class=\"ps27680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Zinsanpassungs- und/oder der CHF-Index-Klausel ergangenen Entscheidungen haben Kreditnehmer jedoch bereits jetzt </span></div><div class=\"ps27681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspr\u00fcche gegen die RBHR geltend gemacht. In seiner Sitzung im Dezember 2022 vertrat der kroatische Oberste Gerichtshof die </span></div><div class=\"ps27682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auffassung, dass sich der Anspruch der Verbraucher auf eine zus\u00e4tzliche Entsch\u00e4digung nur auf einen Betrag in H\u00f6he der </span></div><div class=\"ps27683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verzugszinsen auf die bis zur Konvertierung der CHF-indexierten Darlehen in EUR-indexierte Darlehen im Jahr 2015 allf\u00e4llig </span></div><div class=\"ps27684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleisteten \u00dcberzahlungen beschr\u00e4nkt. Im April 2023 teilte der Pr\u00e4sident des Obersten Gerichtshofs der \u00d6ffentlichkeit jedoch </span></div><div class=\"ps27685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit, dass die vertretene Rechtsansicht die Kontrolle durch den Registrar f\u00fcr die Rechtsprechung des Obersten Gerichtshofs </span></div><div class=\"ps27686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht bestanden habe. Der Registrar f\u00fcr die Rechtsprechung des Obersten Gerichtshofs ist befugt, eine Entscheidung </span></div><div class=\"ps27687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">r\u00fcckg\u00e4ngig zu machen, wenn er der Ansicht ist, dass sie nicht dem Gesetz entspricht. Inzwischen (Juli 2024) hat der EuGH in den </span></div><div class=\"ps27688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Rechtssachen C-554/21, C-622/21 und C-727/21 entschieden, dass eine solche Rechtspraxis (dass ein Richter/</span></div><div class=\"ps27689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Registrar f\u00fcr die Rechtsprechung, der nicht am Entscheidungsprozess beteiligt war, eine endg\u00fcltige Entscheidung eines </span></div><div class=\"ps27690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Richters oder Rates des Obersten Gerichtshofs stoppen kann) gegen EU-Recht verst\u00f6\u00dft. Die Harmonisierung des EuGH-</span></div><div class=\"ps27691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteils mit der Rechtsprechung des Obersten Gerichtshofs steht noch aus. Die Frage, ob Verbraucher aus konvertierten CHF-</span></div><div class=\"ps27692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">indexierten Krediten Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung haben, ist noch nicht gekl\u00e4rt. Eine m\u00f6gliche L\u00f6sung (ob </span></div><div class=\"ps27693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucher Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung haben oder nicht) wird voraussichtlich in den Einzelentscheidungen </span></div><div class=\"ps27694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kroatischen Obersten Gerichtshofs enthalten sein. Nur derartige Einzelentscheidungen k\u00f6nnen vor dem </span></div><div class=\"ps27695 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfassungsgerichtshof angefochten werden. Angesichts der gegenw\u00e4rtigen rechtlichen Unw\u00e4gbarkeiten hinsichtlich der </span></div><div class=\"ps27696 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verj\u00e4hrung, der Wirksamkeit der CHF-Index-Klausel/erfolgten Konvertierung, der Berechnung der zus\u00e4tzlichen Entsch\u00e4digungen, </span></div><div class=\"ps27697 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der weiteren Vorgehensweise, des Ergebnisses des Vorabentscheidungsersuchens und der Anzahl der Kreditnehmer, die diese </span></div><div class=\"ps27698 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspr\u00fcche geltend machen, lassen sich die finanziellen Auswirkungen und der m\u00f6gliche Schaden zum gegenw\u00e4rtigen Zeitpunkt </span></div><div class=\"ps27699 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht endg\u00fcltig beziffern. In diesem Zusammenhang wurde eine R\u00fcckstellung in H\u00f6he von \u20ac 51 Millionen (Vorjahr: \u20ac 58 Millionen) </span></div><div class=\"ps27700 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt.</span></div><div class=\"ps27701 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Polen<span id=\"ib2a55f4d7e264acf9b4d3690dd70ea55\"></span></span></div><div class=\"ps27702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Polen ist eine erhebliche Anzahl zivilrechtlicher Klagen hinsichtlich bestimmter vertraglicher Regelungen im Zusammenhang </span></div><div class=\"ps27703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit Hypothekarkrediten an Konsumenten, die in Fremdw\u00e4hrungen denominiert oder an eine Fremdw\u00e4hrung gekoppelt sind, </span></div><div class=\"ps27704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anh\u00e4ngig. Zum 31. Dezember 2025 lag der Gesamtstreitwert dieser Verfahren bei rund PLN 8.926 Millionen (\u20ac 2.115 Millionen). Die </span></div><div class=\"ps27705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anzahl derartiger Klagen steigt weiter an.</span></div><div class=\"ps19368 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang hat sich ein polnisches Gericht an den Gerichtshof der europ\u00e4ischen Union (EuGH) gewandt, um <span class=\"f ps24\"> </span></span></div><div class=\"ps19369 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kl\u00e4ren zu lassen, ob bestimmte Klauseln dieser Vertr\u00e4ge gegen europ\u00e4isches Recht versto\u00dfen und missbr\u00e4uchlich verwendet </span></div><div class=\"ps19370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden. Die im Oktober 2019 dazu in einem Vorabentscheidungsverfahren ergangene Entscheidung des EuGH (C-260/18) gibt </span></div><div class=\"ps27706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Antwort bez\u00fcglich einer g\u00e4nzlichen oder teilweisen Nichtigkeit der Kreditvertr\u00e4ge, sondern lediglich eine </span></div><div class=\"ps27707 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Orientierungshilfe f\u00fcr die Interpretation, nach welchen Grunds\u00e4tzen nationale Gerichte auf Einzelfallbasis zu entscheiden <span class=\"f ps24\"> </span></span></div><div class=\"ps27708 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben. Demnach soll ein Kreditvertrag ohne missbr\u00e4uchliche Klauseln wirksam bleiben, solange dies mit nationalem Recht im </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einklang steht. Sofern der Kreditvertrag allerdings ohne die missbr\u00e4uchliche Klausel nicht mehr aufrechterhalten werden kann, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde der Vertrag insgesamt unwirksam. Sollte die Unwirksamkeit des gesamten Kreditvertrags mit wesentlichen negativen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsequenzen f\u00fcr den Kreditnehmer verbunden sein, so kann die missbr\u00e4uchliche Klausel von polnischen Gerichten im Einklang </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit nationalem Recht durch eine wirksame Klausel ersetzt werden. Die Konsequenzen einer Unwirksamkeit des Vertrags </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssen sorgf\u00e4ltig untersucht werden, sodass der Kreditnehmer alle potenziell negativen Folgen einer Unwirksamkeit bedenken </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann. </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einem anderen Verfahren, in dem die RBI involviert ist, ersuchte das Bezirksgericht Warszawa-Wola in Warschau den EuGH </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um Vorabentscheidung \u00fcber die Ausgestaltung der vertraglichen Regelungen zur Bestimmung der An- und Verkaufskurse f\u00fcr </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Fremdw\u00e4hrung im Falle von Hypothekardarlehen f\u00fcr Verbraucher, die an eine Fremdw\u00e4hrung indexiert sind. In der </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung vom 18. November 2021 in der Rechtssache C-212/20 vertrat der EuGH die Auffassung, dass der Inhalt einer </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klausel eines Darlehensvertrags, die die Ankaufs- und Verkaufskurse einer Fremdw\u00e4hrung festlegt, an die das Darlehen </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gebunden ist, einem einigerma\u00dfen gut informierten und aufmerksamen Verbraucher auf der Grundlage klarer und </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verst\u00e4ndlicher Kriterien erm\u00f6glichen muss, zu verstehen, wie der Wechselkurs der Fremdw\u00e4hrung festgelegt wird, der zur </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der H\u00f6he der R\u00fcckzahlungsraten verwendet wird. Aufgrund der in einer solchen Bestimmung angegebenen </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Information soll der Verbraucher in der Lage sein, jederzeit den vom Unternehmen angewendeten Wechselkurs selbst zu </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermitteln. In der Begr\u00fcndung f\u00fchrte der EuGH aus, dass eine Bestimmung, die es dem Verbraucher nicht erm\u00f6glicht, den </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wechselkurs selbst zu bestimmen, missbr\u00e4uchlich ist. Dar\u00fcber hinaus wies der EuGH darauf hin, dass das nationale Gericht, </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die betreffende Klausel eines Verbrauchervertrags missbr\u00e4uchlich ist, diese Klausel nicht auslegen darf, um ihre </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Missbr\u00e4uchlichkeit zu beheben, selbst wenn diese Auslegung dem gemeinsamen Willen der Vertragsparteien entspricht. Nur </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die Ung\u00fcltigkeit der missbr\u00e4uchlichen Klausel das nationale Gericht zur Aufhebung des gesamten Vertrags verpflichten </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde, wodurch der Verbraucher besonders nachteiligen Folgen ausgesetzt w\u00e4re und damit bestraft w\u00fcrde, k\u00f6nnte das </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationale Gericht diese Klausel durch eine erg\u00e4nzende Bestimmung des nationalen Rechts ersetzen. Der EuGH hat es daher </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht vollst\u00e4ndig ausgeschlossen, dass nationale Gerichte in solchen F\u00e4llen den Vertrag durch erg\u00e4nzende Vorschriften des </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationalen Rechts erg\u00e4nzen k\u00f6nnen, aber L\u00fccken d\u00fcrfen nicht allein durch nationale Vorschriften allgemeiner Natur gef\u00fcllt </span></div><div class=\"ps27711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, und ein solches Hilfsmittel darf nur in streng eingeschr\u00e4nkten F\u00e4llen, wie vom EuGH angegeben, angewendet werden. </span></div><div class=\"ps27712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der Missbr\u00e4uchlichkeit von Vertragsbestimmungen sowie die Entscheidung \u00fcber die Vertragserg\u00e4nzung nach </span></div><div class=\"ps27713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beseitigung missbr\u00e4uchlicher Vertragsklauseln fallen jedoch weiterhin in die Zust\u00e4ndigkeit des nationalen Gerichts. Der EuGH </span></div><div class=\"ps27714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat in keiner Weise entschieden, ob infolge der vorgenannten Aktionen der gesamte Fremdw\u00e4hrungsvertrag nichtig erkl\u00e4rt </span></div><div class=\"ps27715 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden soll.</span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 15. Juni 2023 gab der EuGH sein Urteil in der Rechtssache C-520/21 zu den Folgen der Nichtigerkl\u00e4rung eines missbr\u00e4uchliche </span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln enthaltenden Hypothekendarlehensvertrags bekannt. Der an den CHF gekoppelte Hypothekendarlehensvertrag war </span></div><div class=\"ps27718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit der Begr\u00fcndung f\u00fcr nichtig erkl\u00e4rt worden, dass die Umrechnungsklauseln zur Bestimmung des Wechselkurses in PLN f\u00fcr </span></div><div class=\"ps27719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwecke der monatlichen Raten missbr\u00e4uchlich seien und dass der Darlehensvertrag nach Aufhebung der missbr\u00e4uchlichen </span></div><div class=\"ps27720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln nicht fortbestehen k\u00f6nne. Der EuGH stellte fest, dass das EU-Recht nicht ausdr\u00fccklich die Folgen der Nichtigerkl\u00e4rung </span></div><div class=\"ps27721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines Verbrauchervertrags regelt. Die Bestimmung dieser Folgen obliegt der nationalen Gesetzgebung in den einzelnen EU- </span></div><div class=\"ps27722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedstaaten. Diese nationalen Rechtsvorschriften m\u00fcssen mit dem EU-Recht und den damit verfolgten Zielen vereinbar sein, </span></div><div class=\"ps27723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere im Hinblick darauf, dass die Lage des Verbrauchers, in der er sich ohne den f\u00fcr nichtig erkl\u00e4rten Vertrag befunden </span></div><div class=\"ps27724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte, wiederhergestellt wird und dass der vom EU-Recht angestrebte Abschreckungseffekt nicht gef\u00e4hrdet wird. Nach den </span></div><div class=\"ps27725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausf\u00fchrungen des EuGH steht EU-Recht dem nicht entgegen, dass die Verbraucher von der Bank einen Ausgleich verlangen </span></div><div class=\"ps27726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">d\u00fcrfen, der \u00fcber die Erstattung der gezahlten monatlichen Raten und der zur Erf\u00fcllung des Hypothekendarlehensvertrags </span></div><div class=\"ps27727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezahlten Kosten sowie die Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem Zeitpunkt der Zahlungsaufforderung </span></div><div class=\"ps27728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinausgeht. Allerdings ist es Sache der nationalen Gerichte zu beurteilen, ob der Grundsatz der Verh\u00e4ltnism\u00e4\u00dfigkeit gewahrt </span></div><div class=\"ps27729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, wenn solchen Forderungen des Verbrauchers stattgegeben wird. Im Gegensatz dazu steht EU-Recht dem entgegen, dass </span></div><div class=\"ps27730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Bank von dem Verbraucher einen Ausgleich verlangen darf, der \u00fcber die Erstattung des zur Erf\u00fcllung des </span></div><div class=\"ps27731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags gezahlten Kapitals sowie der Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem </span></div><div class=\"ps27732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt der Zahlungsaufforderung hinausgeht.</span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Konkretisierungen zu den Folgen der Nichtigerkl\u00e4rung eines mit missbr\u00e4uchlichen Klauseln behafteten Verbraucher-</span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags hat der EuGH in seinen Urteilen in den Rechtssachen C-756/22 vom 11. Dezember 2023 und </span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">C-488/23 vom 12. Januar 2024 und C-424/22 vom 8. Mai 2024 vorgenommen. An keinem dieser Verfahren war die RBI direkt </span></div><div class=\"ps27733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beteiligt. In allen drei F\u00e4llen vertrat der EuGH die Auffassung, dass sich die von den vorlegenden Gerichten geforderte </span></div><div class=\"ps27734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegung des EU-Rechts eindeutig aus den fr\u00fcheren Urteilen, insbesondere aus dem im obigen Absatz ausf\u00fchrlich </span></div><div class=\"ps27735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschriebenen Urteil des EuGH in der Rechtssache C-520/21 vom 15. Juni 2023 ableiten l\u00e4sst. In der Rechtssache C-756/22 stellte </span></div><div class=\"ps27736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der EuGH fest, dass die Bank nicht berechtigt ist, von einem Verbraucher die Zahlung von Betr\u00e4gen zu verlangen, die \u00fcber das in </span></div><div class=\"ps27737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erf\u00fcllung des Darlehensvertrags gezahlte Kapital und die gesetzlichen Verzugszinsen ab dem Zeitpunkt der </span></div><div class=\"ps27738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsaufforderung hinausgehen, wenn ein Darlehensvertrag mit der Begr\u00fcndung nichtig erkl\u00e4rt wird, dass er </span></div><div class=\"ps27739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt, ohne die er nicht weiter fortbestehen kann. In der Rechtssache C-488/23 stellte der EuGH </span></div><div class=\"ps27740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fest, dass EU-Recht dem entgegensteht, dass Banken von einem Verbraucher \u2013 zus\u00e4tzlich zur Erstattung der zur </span></div><div class=\"ps27741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragserf\u00fcllung gezahlten Kapitalbetr\u00e4ge und der gesetzlichen Verzugszinsen ab dem Zeitpunkt der Zahlungsaufforderung \u2013 </span></div><div class=\"ps27742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen Ausgleich verlangen, der in einer gerichtlichen Anpassung der dem gezahlten Kapitalbetrag entsprechenden Leistung im </span></div><div class=\"ps27743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Falle einer wesentlichen \u00c4nderung der Kaufkraft der betreffenden W\u00e4hrung nach der Zahlung dieses Kapitals an den </span></div><div class=\"ps27744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betreffenden Verbraucher besteht. In der Rechtssache C-424/22 vom 8. Mai 2024 stellte der EuGH fest, dass die Bank nicht </span></div><div class=\"ps27745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechtigt ist ein Zur\u00fcckbehaltungsrecht geltend zu machen, wenn ein Kreditvertrag mit der Begr\u00fcndung nichtig wird, dass er </span></div><div class=\"ps27746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt und die Bank daher zu R\u00fcckzahlungen an einen Verbraucher verpflichtet ist. Dies bedeutet, </span></div><div class=\"ps27747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass die Bank eine derartige Zahlung nicht zur\u00fcckhalten darf, bis der Schuldner alle Betr\u00e4ge zur\u00fcckgezahlt hat, die er im </span></div><div class=\"ps27748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kreditvertrags von der Bank erhalten hat. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wie sich die zuvor genannten EuGH-Urteile auf die Entscheidungen polnischer Gerichte in einzelnen zivilrechtlichen Verfahren </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auswirken, kann aufgrund der Komplexit\u00e4t und Unterschiedlichkeit von fallspezifischen Faktoren und m\u00f6glicherweise </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlichen Zusammenh\u00e4ngen und rechtlichen Feinheiten nicht abschlie\u00dfend eingesch\u00e4tzt werden.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 25. April 2024 verabschiedete die gesamte Zivilkammer des polnischen Obersten Gerichts (das OG) einen Beschluss zu </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtlichen Fragen im Zusammenhang mit Darlehen, die an eine Fremdw\u00e4hrung gekoppelt oder in Fremdw\u00e4hrung denominiert </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Im Einklang mit den Urteilen des EuGH entschied das OG, dass, wenn eine Vertragsklausel, die sich auf einen </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Indexierungsmechanismus bezieht, als rechtswidrig und nicht bindend angesehen wird, sie nicht durch eine andere Methode zur </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung des Wechselkurses ersetzt werden kann, die sich aus gesetzlichen Bestimmungen oder etablierten </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gepflogenheiten ergibt und dass der Darlehensvertrag im verbleibenden Umfang nicht bindend ist. Die Entscheidung dar\u00fcber, </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ob eine Vertragsklausel missbr\u00e4uchlich ist, obliegt dem Gericht, das mit dem Fall des konkreten Darlehensvertrags befasst ist. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist ein Darlehensvertrag aufgrund rechtswidriger Klauseln nicht bindend, haben beide Parteien einen gesonderten Anspruch auf </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung zu Unrecht geleisteter Zahlungen: die Bank auf R\u00fcckzahlung des Kapitals und der Kreditnehmer auf </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung von Zahlungen. Das OG fand keine Rechtfertigung f\u00fcr eine gegenseitige Beilegung der Anspr\u00fcche der Parteien </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch das Gericht w\u00e4hrend der Verhandlung des Falles. Die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank auf R\u00fcckzahlung der im </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kredits gezahlten Betr\u00e4ge beginnt grunds\u00e4tzlich mit dem Tag, der auf den Tag folgt, an dem der Kreditnehmer die </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bindende Wirkung des Kreditvertrags gegen\u00fcber der Bank angefochten hat. Der Beginn der Verj\u00e4hrungsfrist h\u00e4ngt somit vom </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhalten des Verbrauchers ab und sollte daher f\u00fcr jeden Vertrag individuell gepr\u00fcft werden. Mit dieser Entscheidung wurde </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine fr\u00fchere Entscheidung des OG ge\u00e4ndert, die vorsah, dass die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank beginnt, nachdem </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Verbraucher \u00fcber die m\u00f6glichen Folgen einer Ung\u00fcltigkeitserkl\u00e4rung des Kreditvertrags informiert wurde und der </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucher einer solchen Ung\u00fcltigkeitserkl\u00e4rung zustimmt. Das OG schloss au\u00dferdem aus, dass eine Partei Zinsen oder eine </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">andere Verg\u00fctung f\u00fcr die Verwendung ihrer Mittel in der Zeit zwischen der ungerechtfertigten Zahlung und der Verz\u00f6gerung bei </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckerstattung der Zahlung verlangen kann. Obwohl der Beschluss gefasst wurde, um die aufkommenden </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegungsfragen im Zusammenhang mit Streitigkeiten \u00fcber Kredite in Schweizer Franken zu kl\u00e4ren, sind die daraus </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">resultierenden Schlussfolgerungen auch auf Kredite in anderen W\u00e4hrungen, einschlie\u00dflich Kredite in Euro, anwendbar.</span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der obige Beschluss des OG in Verbindung mit dem fr\u00fcheren EuGH-Urteil bedeutet, dass in Polen t\u00e4tige Banken die </span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fremdw\u00e4hrungsportfolien halten, darunter auch RBI, keine zus\u00e4tzliche Verg\u00fctung und/oder Valorisierung im Zusammenhang </span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit derartigen nichtig erkl\u00e4rten Vertr\u00e4gen, wie oben dargelegt, fordern k\u00f6nnen. Banken sollen lediglich die M\u00f6glichkeit haben, </span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung des dem Kunden bei Kreditvergabe bereitgestellten Kapitals einzufordern. Dies ber\u00fchrt nicht die M\u00f6glichkeit, </span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Zahlung von Verzugszinsen zu verlangen, sofern die Voraussetzungen hierf\u00fcr erf\u00fcllt sind. Was die Forderung der Banken auf </span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung des Kapitals betrifft, k\u00f6nnten die im Beschluss des OG enthaltenen Leitlinien und die derzeitige Praxis durch das </span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unten angef\u00fchrte Urteil des EuGH vom 19. Juni 2025 beeinflusst werden.</span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 19. Juni 2025 erlie\u00df der EuGH ein weiteres Urteil in der Rechtssache C-396/24. Darin stellte er fest, dass die Richtlinie 93/13/</span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EWG \u00fcber missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen Banken daran hindert, die vollst\u00e4ndige R\u00fcckzahlung des </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezahlten Nominalbetrags eines f\u00fcr nichtig erkl\u00e4rten Kreditvertrags zu verlangen, ohne vorherige R\u00fcckzahlungen des </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchers zu ber\u00fccksichtigen (Aufrechnungstheorie). Dieses Urteil k\u00f6nnte die aktuelle Rechtsprechung polnischer Gerichte </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen, die gem\u00e4\u00df dem Beschluss des Obersten Gerichtshofs Polens vom 25. April 2024 (wie oben ausf\u00fchrlich beschrieben) </span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Theorie der \u201ezwei Forderungen\u201c anwendet. Danach k\u00f6nnen Banken die vollst\u00e4ndige R\u00fcckzahlung der im Rahmen eines f\u00fcr </span></div><div class=\"ps27754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nichtig erkl\u00e4rten Vertrags gezahlten Betr\u00e4ge verlangen, unabh\u00e4ngig von den geleisteten R\u00fcckzahlungen und dem </span></div><div class=\"ps27755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbleibenden geschuldeten Restbetrag. Diese Theorie diente auch als Grundlage f\u00fcr Banken, die ehemalige Kreditnehmer </span></div><div class=\"ps27756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klagen um die Kapitalr\u00fcckzahlung zu sichern. Dar\u00fcber hinaus verbietet das Urteil die sofortige Vollstreckbarkeit von </span></div><div class=\"ps27757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen zugunsten von Banken, sofern kein angemessener Verbraucherschutz besteht. Die m\u00f6glichen Auswirkungen </span></div><div class=\"ps27758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die polnische Rechtsprechung bleiben ungewiss. M\u00f6gliche Resultate reichen von der Annahme einer Aufrechnungstheorie </span></div><div class=\"ps27759 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bis hin zur Beibehaltung bestehender Rechtsrahmen, da die Interpretation dieses EuGH-Urteils durch die Gerichte </span></div><div class=\"ps27760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlich ausfallen kann.</span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 27. November 2025 erlie\u00df der EuGH ein Urteil in der Rechtssache C-746/24, mit dem nationale verfahrensrechtliche Regeln </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgeschlossen werden, die Verbraucher:innen, die sich gegen von Banken eingeleitete Restitutionsanspr\u00fcche auf Kapital <span class=\"f ps24\"> </span></span></div><div class=\"ps27763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verteidigen, unverh\u00e4ltnism\u00e4\u00dfig h\u00f6here Gerichtskosten auferlegen als jene Kosten, die bei von Verbrauchern selbst gef\u00fchrten </span></div><div class=\"ps27764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen auf Aufhebung des Vertrags entstehen. Es wurde festgestellt, dass eine solche Diskrepanz bei den Rechtskosten die </span></div><div class=\"ps27765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abschreckende Wirkung der Richtlinie 93/13/EWG untergr\u00e4bt und Verbraucher davon abhalten kann, ihre Rechte im Rahmen des </span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schutzes gegen missbr\u00e4uchliche Vertragsbedingungen auszu\u00fcben. Das polnische Zivilprozessrecht sieht eine Begrenzung der </span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6chstbetr\u00e4ge von Gerichtsgeb\u00fchren f\u00fcr von Verbrauchern eingeleitete Klagen im Zusammenhang mit Bankgesch\u00e4ften vor. </span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umgekehrt kann eine Bank, die ein Gerichtsverfahren gegen einen Verbraucher einleitet, nicht von einer solchen </span></div><div class=\"ps27766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorzugsbehandlung profitieren und muss die Gerichtskosten nach allgemeinen Regeln tragen, was f\u00fcr das Finanzinstitut zu </span></div><div class=\"ps27767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deutlich h\u00f6heren anf\u00e4nglichen Kosten f\u00fchrt. Ungeachtet des Urteils des EuGH behalten die polnischen Gerichte die Befugnis, </span></div><div class=\"ps27768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifische nationale Verfahrensvorschriften zur Festlegung der endg\u00fcltigen Kostenverteilung heranzuziehen, wobei es den </span></div><div class=\"ps27769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten gestattet ist, von den allgemeinen Grunds\u00e4tzen der Kostenteilung auf der Grundlage des Billigkeitsgrundsatzes oder </span></div><div class=\"ps27770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des konkreten Verhaltens der Parteien abzuweichen. Folglich h\u00e4ngt die endg\u00fcltige Auswirkung des Urteils auf die Prozesskosten </span></div><div class=\"ps27771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI von der Ermessensentscheidung der nationalen Gerichte im Einzelfall ab. Die RBI beobachtet weiterhin die juristischen </span></div><div class=\"ps27772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklungen und kann ihre R\u00fcckstellungen f\u00fcr rechtliche Risiken und ihre Verfahrensstrategien anpassen, um potenzielle </span></div><div class=\"ps27773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">negative finanzielle Auswirkungen aufgrund dieser Rechtsprechung abzumildern.</span></div><div class=\"ps27774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Polnische ordentliche Gerichte haben dem EuGH mehrere weitere Fragen zur Auslegung der Richtlinie 93/13/EWG \u00fcber </span></div><div class=\"ps27775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen im Zusammenhang mit Fremdw\u00e4hrungsdarlehen vorgelegt. Zu den Fragen </span></div><div class=\"ps27776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geh\u00f6ren unter anderem die Rechtm\u00e4\u00dfigkeit der Verpflichtung von Verbrauchern zur Zahlung von Rechtskosten, die </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterbrechung der Verj\u00e4hrungsfristen f\u00fcr Forderungen der Banken, die Behandlung verj\u00e4hrter Anspr\u00fcche, die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnungsrechte von Banken, die Erstattung von Versicherungskosten und die G\u00fcltigkeit von Vertragsanh\u00e4ngen. Ziel dieser </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfragen ist es, die Vereinbarkeit nationaler Gesetze mit den EU-Verbraucherschutzstandards zu kl\u00e4ren. </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die seit 2020 eingegangen Klagen wurden haupts\u00e4chlich durch die Entscheidung des EuGH in der Rechtssache C-260/18 und die </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gestiegenen Marketingaktivit\u00e4ten von Anwaltskanzleien, die f\u00fcr Kreditnehmer t\u00e4tig sind, hervorgerufen. Im Gesch\u00e4ftsjahr 2025 </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verzeichnete die polnische Filiale 4.334 neue Klagen (Vorjahr: 6.150 neue Klagen), in der Berichtsperiode wurden durchschnittlich </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">361 neue Klagen pro Monat (davon 268 Klagen f\u00fcr Schweizer Franken-Kredite und 93 Klagen f\u00fcr Euro-Kredite) eingebracht. Der </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eingang neuer F\u00e4lle k\u00f6nnte aufgrund der steigenden Zahl von Vergleichen zwischen der polnischen Filiale der RBI und </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmern sowie der Tatsache, dass ein erheblicher Teil der Kreditportfolios bereits Gegenstand laufender </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten ist, was den potenziellen Zufluss neuer Anspr\u00fcche naturgem\u00e4\u00df einschr\u00e4nkt, weiter zur\u00fcckgehen.</span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus haben sich polnische Gerichte mit weiteren Vorabentscheidungsersuchen in anderen zivilrechtlichen Verfahren </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an den EuGH gewandt. Diese Entscheidungen k\u00f6nnten zu weiteren Klarstellungen durch den EuGH f\u00fchren und einen Einfluss </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darauf haben, wie gerichtsanh\u00e4ngige Verfahren im Zusammenhang mit Fremdw\u00e4hrungskrediten von nationalen polnischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten entschieden werden.</span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Folgenabsch\u00e4tzung f\u00fcr Kreditvertr\u00e4ge, die an eine Fremdw\u00e4hrung gekoppelt sind oder auf eine Fremdw\u00e4hrung lauten, kann </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch von dem Ergebnis eines laufenden verwaltungsgerichtlichen Verfahrens aufgrund eines Rechtsmittels der polnischen </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Filiale der RBI gegen eine Entscheidung des Pr\u00e4sidenten des Amts f\u00fcr Wettbewerb und Verbraucherschutz (UOKiK) beeinflusst </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. In der angefochtenen Entscheidung wurde behauptet, dass die polnische Niederlassung der RBI an Praktiken beteiligt </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">war, die kollektive Verbraucherinteressen verletzten. Dies f\u00fchrte zu einer Verwaltungsstrafe gegen die polnische Filiale sowie </span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Verpflichtung, den Kreditnehmern Informationen \u00fcber den Versto\u00df zur Verf\u00fcgung zu stellen, falls die </span></div><div class=\"ps2424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsentscheidung rechtskr\u00e4ftig wird. Im Juni 2025 wies das Gericht f\u00fcr Wettbewerbs- und Verbraucherschutz (SOKIK) </span></div><div class=\"ps2425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Beschwerde der RBI gegen die Entscheidung vollst\u00e4ndig ab. Im August 2025 hat die RBI gegen dieses Urteil Berufung beim </span></div><div class=\"ps2426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsgericht in Warschau eingelegt.</span></div><div class=\"ps27777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus leitete der polnische Finanz-Ombudsmann, der im Namen von zwei Kreditnehmern handelte, ein Zivilverfahren </span></div><div class=\"ps27778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI ein, in dem die Anwendung unlauterer Gesch\u00e4ftspraktiken gegen\u00fcber Verbrauchern in einem Fall behauptet wird, </span></div><div class=\"ps27779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in dem die RBI \u2013 nach Aufhebung eines Kreditvertrags \u2013 den vollen urspr\u00fcnglich ausgegebenen Kreditbetrag ohne </span></div><div class=\"ps27780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischenzeitlich geleistete R\u00fcckzahlungen sowie f\u00fcr die Verwendung von Kapital durch die Kreditnehmer f\u00e4llige Betr\u00e4ge, </span></div><div class=\"ps27781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Grundsatzes der ungerechtfertigten Bereicherung eingefordert hatte und verlangt, diese Praxis einzustellen. Im </span></div><div class=\"ps27782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mai 2023 wurde die Klage des Finanz-Ombudsmanns in erster Instanz abgewiesen. Der Finanz-Ombudsmann legte gegen </span></div><div class=\"ps27783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses Urteil Berufung ein, die der RBI zugestellt wurde und die diese ordnungsgem\u00e4\u00df beantwortete. </span></div><div class=\"ps27784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist zudem Kl\u00e4gerin in einer Anzahl laufender Zivilprozesse im Zusammenhang mit bereits beendeten </span></div><div class=\"ps27785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekarkrediten, die in Schweizer Franken oder Euro denominiert oder an diese W\u00e4hrungen gekoppelt waren. Der </span></div><div class=\"ps27786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtstreitwert belief sich zum 31. Dezember 2025 auf rund PLN 298,5 Millionen (\u20ac 71 Millionen). Die Anspr\u00fcche der RBI </span></div><div class=\"ps27787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beziehen sich auf Kapital und Zinsen, die aufgrund rechtlicher Einw\u00e4nde nicht gezahlt wurden. Die Klagen werden auf </span></div><div class=\"ps27788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglicher Grundlage oder auf der Grundlage ungerechtfertigter Bereicherung erhoben.</span></div><div class=\"ps27789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI eine Reihe von Gerichtsverfahren aufgrund von Gegenforderungen auf R\u00fcckzahlung des Kapitals </span></div><div class=\"ps27790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen Kreditnehmer eingeleitet, falls diese die G\u00fcltigkeit des Fremdw\u00e4hrungshypothekarkredits gegen\u00fcber der RBI anfechten. </span></div><div class=\"ps27791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Einreichung der Klagen dient der Sicherung der Anspr\u00fcche der RBI und soll deren Verj\u00e4hrung verhindern. Zum 31. Dezember </span></div><div class=\"ps27792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 belief sich der Gesamtstreitwert dieser Verfahren auf PLN 2.662 Millionen (\u20ac 631 Millionen). Die Entscheidung \u00fcber die </span></div><div class=\"ps27793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einreichung solcher Klagen wird in den kommenden Jahren von der endg\u00fcltigen Auswirkung des oben beschriebenen EuGH-</span></div><div class=\"ps27794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteils in der Rechtssache C-746/24, von der Entwicklung der nationalen Rechtsprechung und m\u00f6glichen Gesetzesinitiativen </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abh\u00e4ngen. </span></div><div class=\"ps27796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Themen der polnischen Gesetzgebung</span></div><div class=\"ps27797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende September 2025 verabschiedete die polnische Regierung einen Gesetzesentwurf zur Einf\u00fchrung besonderer Verfahren f\u00fcr </span></div><div class=\"ps27798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilrechtssachen im Zusammenhang mit Krediten, die in Schweizer Franken (CHF) denominiert oder an diesen gekoppelt sind. </span></div><div class=\"ps27799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfang Oktober 2025 wurde der Entwurf dem Sejm (dem Unterhaus des polnischen Parlaments) vorgelegt, um das </span></div><div class=\"ps27800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesetzgebungsverfahren einzuleiten. Hauptziel des Gesetzesentwurfs ist es, Rechtsstreitigkeiten im Zusammenhang mit CHF-</span></div><div class=\"ps27801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten zu beschleunigen, die Belastung der Gerichte zu verringern und den Verbraucherschutz im Einklang mit der </span></div><div class=\"ps27802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung des Gerichtshofs der Europ\u00e4ischen Union zu st\u00e4rken. In der vorliegenden Fassung w\u00fcrde das Gesetz f\u00fcr </span></div><div class=\"ps27803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilverfahren zwischen Verbrauchern und Banken gelten, die Kredite in CHF oder an diesen gekoppelte Kredite betreffen, </span></div><div class=\"ps27804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich jener Kredite, die per Annex in CHF-denominierte oder an diesen indexierte Vertr\u00e4ge umgewandelt wurden. </span></div><div class=\"ps27805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite in anderen W\u00e4hrungen (insbesondere EUR) oder an diese gekoppelte Kredite w\u00fcrden nicht unter den </span></div><div class=\"ps27806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anwendungsbereich des Gesetzes fallen. Insgesamt st\u00e4rkt das vorgeschlagene Rahmenwerk die Rechtsposition von </span></div><div class=\"ps27807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchern in Rechtsstreitigkeiten gegen Banken erheblich.</span></div><div class=\"ps27808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit der Zustellung der Klage oder Widerklage des Verbrauchers an die Bank werden die Kreditr\u00fcckzahlungen automatisch und </span></div><div class=\"ps27809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kraft Gesetzes ausgesetzt, bis das entsprechende Gerichtsverfahren rechtskr\u00e4ftig abgeschlossen ist. Die Aussetzung der </span></div><div class=\"ps27810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen des Kreditnehmers stellt keinen Verzug oder eine nicht ordnungsgem\u00e4\u00dfe Erf\u00fcllung des </span></div><div class=\"ps27811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvertrags dar und darf nicht an ein Kredit- oder Schuldnerregister gemeldet werden. Zudem sind alle Eintr\u00e4ge in diese </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Register, die vor der Zustellung der Klage oder Widerklage an die Bank erfolgt sind, zu l\u00f6schen. In F\u00e4llen, in denen die Klage oder </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Widerklage des Verbrauchers vor Inkrafttreten des Gesetzes an die Bank zugestellt wurde, tritt die Aussetzung der </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen mit dem Inkrafttreten des Gesetzes in Kraft. Ab diesem Datum werden daher die R\u00fcckzahlungen </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aller betroffenen Kreditvertr\u00e4ge automatisch kraft Gesetzes ausgesetzt, was m\u00f6glicherweise zu einer weiteren Verringerung </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Mittelzufl\u00fcsse aus dem CHF-Kreditportfolio f\u00fchrt. Ungeachtet dessen bleibt die Bank weiterhin verpflichtet, Zahlungen </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzunehmen, wenn der vom Kreditnehmer zur\u00fcckgezahlte Gesamtbetrag unter dem ausgezahlten Gesamtkreditbetrag liegt. </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlich ist, dass Verbraucher keine individuellen Antr\u00e4ge auf Aussetzung der R\u00fcckzahlung stellen m\u00fcssen und Gerichte keine </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen \u00fcber einstweilige Ma\u00dfnahmen oder damit verbundene Rechtsmittel mehr erlassen oder \u00fcberpr\u00fcfen m\u00fcssen.</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Entwurf vorgeschlagenen prozessualen Ma\u00dfnahmen zielen darauf ab, die Verfahrensbearbeitung zu vereinfachen. So </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen Rechtssachen trotz Antrags einer Partei auf \u00f6ffentliche Anh\u00f6rung unter Ausschluss der \u00d6ffentlichkeit verhandelt </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, Parteien k\u00f6nnen Aussagen schriftlich einreichen und die Einvernahme von Zeugen kann mittels technischer Hilfsmittel </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgen, auch wenn sich eine Partei dagegen ausspricht. Dar\u00fcber hinaus wurde bei Gericht ein vereinfachter Prozess zur </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beendigung von Verfahren nach freiwilliger Zur\u00fccknahme der Klage oder Berufung eingef\u00fchrt. Um eine Einigung und </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gemeinsame Abstimmung zu erleichtern, erm\u00f6glicht der Entwurf dem Beklagten, bis zum Ende der Verhandlung vor dem </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht zweiter Instanz oder \u2013 falls der Fall unter Ausschluss der \u00d6ffentlichkeit verhandelt wird \u2013 bis zur Verk\u00fcndung des Urteils </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Gerichts zweiter Instanz eine Aufrechnungseinrede zu erheben. Ebenso kann eine Widerklage bis zum Abschluss der </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Verhandlung oder \u2013 bei Verhandlung unter Ausschluss der \u00d6ffentlichkeit \u2013 bis zur Verk\u00fcndung des </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Urteils eingebracht werden. Der Gesetzentwurf bietet zudem Anreize f\u00fcr eine g\u00fctliche Streitbeilegung, indem </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">er vorsieht, dass bei R\u00fccknahme einer Klage, einer Berufung oder einer Kassationsbeschwerde innerhalb von sechs Monaten </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach Inkrafttreten des Gesetzes die H\u00e4lfte der Gerichtskosten erstattet wird. Der Gesetzesentwurf sieht zudem </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen f\u00fcr die Befugnis des Obersten Gerichtshofs vor, Kassationsbeschwerden in F\u00e4llen zu verhandeln, die Kredite </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit CHF-Bezug betreffen.</span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Gesetz soll 14 Tage nach seiner Ver\u00f6ffentlichung im offiziellen Gesetzblatt in Kraft treten. Die verk\u00fcrzte Legisvakanz </span></div><div class=\"ps12694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(vacatio legis) unterstreicht die Dringlichkeit der Ma\u00dfnahme und k\u00f6nnte den Bankensektor bei der Umsetzung der </span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmungen vor erhebliche Herausforderungen stellen. Neben den finanziellen Auswirkungen (geringere Mittelzufl\u00fcsse aus </span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckzahlung strittiger Kredite) k\u00f6nnten die vorgeschlagenen Regelungen auch die Beilegung von Gerichtsverfahren </span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen und damit den Mittelabfluss aus Banken aufgrund der Notwendigkeit, rechtskr\u00e4ftige Urteile umzusetzen, </span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen. Sie k\u00f6nnten auch Verbraucher, die noch keine Anspr\u00fcche gegen Banken geltend gemacht haben, dazu </span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermutigen, Klage einzureichen.</span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Finanzielle Auswirkungen</span></div><div class=\"ps27812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat f\u00fcr die in Polen eingebrachten und erwarteten Klagen f\u00fcr Schweizer-Franken- und Euro-Kredite inklusive </span></div><div class=\"ps27813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verzugszinsen, die an Kunden zu zahlen sein werden, vorgesorgt. Da Klagen von einer Reihe von Kunden eingebracht wurden, </span></div><div class=\"ps23986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basiert diese R\u00fcckstellung auf einem statistischen Ansatz, der sowohl statistische Daten, soweit diese relevant sind, als auch </span></div><div class=\"ps23987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen ber\u00fccksichtigt. In diesem Kapitel umfasst der Begriff R\u00fcckstellung Vorsorgen gem\u00e4\u00df IFRS 9, bei denen der </span></div><div class=\"ps27814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bruttobuchwert aufgrund einer Anpassung der erwarteten zuk\u00fcnftigen Cashflows um den r\u00fcckzustellenden Betrag reduziert </span></div><div class=\"ps27815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, sowie R\u00fcckstellungen gem\u00e4\u00df IAS 37.</span></div><div class=\"ps27816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat ein Portfolio von rund 17,2 Tausend aktiven CHF-Darlehen mit einer Gesamtaushaftung von knapp \u20ac 1,3 Milliarden </span></div><div class=\"ps27624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und rund 10,1 Tausend CHF-Darlehen, die bereits getilgt wurden. Dies beinhaltet auch Darlehen, von welchen nicht erwartet </span></div><div class=\"ps27625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, dass sie Gegenstand von Rechtsstreitigkeiten werden. Zus\u00e4tzlich hat die RBI rund 8,7 Tausend in Euro vergebene Darlehen </span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit einem Volumen von rund \u20ac 360 Millionen ausstehend. Rund 9,3 Tausend weitere in Euro vergebene Darlehen wurden bereits </span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcckbezahlt. </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sich daraus ergebende R\u00fcckstellung betr\u00e4gt \u20ac\u00a01.956 Millionen (Vorjahr: \u20ac\u00a02.071 Millionen), davon \u20ac 1.774 f\u00fcr Schweizer-</span></div><div class=\"ps27817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Franken- und \u20ac 182 Millionen f\u00fcr Euro-Kredite. Die Gesamth\u00f6he der R\u00fcckstellung stellt die bestm\u00f6gliche Sch\u00e4tzung des </span></div><div class=\"ps27818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftigen Abflusses von wirtschaftlichem Nutzen dar. Bei der Berechnung der R\u00fcckstellung f\u00fcr in Polen eingereichte Klagen ist </span></div><div class=\"ps27819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es notwendig, sich eine Meinung zu Sachverhalten zu bilden, die grunds\u00e4tzlich ungewiss sind, wie beispielsweise regulatorische </span></div><div class=\"ps27820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verlautbarungen, die Anzahl zuk\u00fcnftiger Klagen, der Umfang, in dem diese aufrechterhalten werden, und die Auswirkungen von </span></div><div class=\"ps27821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsentscheidungen, die f\u00fcr eingegangene Klagen relevant sein k\u00f6nnen.</span></div><div class=\"ps27822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es verbleiben somit eine Reihe von Risiken und Ungewissheiten. Folglich k\u00f6nnten die tats\u00e4chlichen Kosten von den Sch\u00e4tzungen </span></div><div class=\"ps27823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI und den ihnen zugrunde liegenden Annahmen abweichen. Dies k\u00f6nnte dazu f\u00fchren, dass eine weitere R\u00fcckstellung </span></div><div class=\"ps27824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich wird. Die wesentlichen, quantifizierbaren Unsicherheiten in Bezug auf die Berechnung der R\u00fcckstellung beziehen </span></div><div class=\"ps27825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich auf eine potenzielle Reduzierung der Diskontierungsperiode, einen R\u00fcckgang der Abzinsungsrate, einen Anstieg der </span></div><div class=\"ps27826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Klagen f\u00fcr ausstehende und getilgte Kredite, eine Erh\u00f6hung des durchschnittlichen Verlusts pro Kreditfall f\u00fcr </span></div><div class=\"ps27827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehende und getilgte Kredite sowie auf die Erfolgsquote au\u00dfergerichtlicher Einigungen. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Sensitivit\u00e4tsanalyse</span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse f\u00fcr potenzielle \u00c4nderungen der verwendeten Parameter \u00fcber die n\u00e4chsten 12 Monate, w\u00e4hrend alle </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Parameter konstant gehalten werden, ist in den folgenden beiden Tabellen getrennt nach CHF- und EUR-Kredite </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt:</span></div><div class=\"ps27875 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22055\">1.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17673\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17823\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24278\"></span><span class=\"ps24278\">1,1</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27843\"></span><span class=\"ps27843\">0,8</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27845\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23810\"></span><span class=\"ps23810\">95</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25330\"></span><span class=\"ps25330\">96</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19921\"></span><span class=\"ps19921\">145</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19934\"></span><span class=\"ps19934\">146</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20867\"></span><span class=\"ps20867\">43</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27862\"></span><span class=\"ps27862\">44</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27864\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Anzahl an erwarteten zuk\u00fcnftigen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Vergleichen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27867 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27866\">2.497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27869 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27868\">- 10.0%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27870 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps21504\">2.247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27871 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung des Vergleichsangebots f\u00fcr Kunden (in % des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Verlustes im Falle einer Annullierung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27872 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24264\"></span><span class=\"ps24264\">79</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23543 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps19996\"> + 5.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17570 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27874 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27885 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27876\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17673\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17823\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27878\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13629\"></span><span class=\"ps13629\">6,0</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27879\"></span><span class=\"ps27879\">5,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27881\"></span><span class=\"ps27881\">52</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">93</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24321\"></span><span class=\"ps24321\">94</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24456\"></span><span class=\"ps24456\">15</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27884\"></span><span class=\"ps27884\">16</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Annahmen basieren auf internen Statistiken sowie auf Marktdaten. Der Anstieg der R\u00fcckstellung ist linear f\u00fcr alle </span></div><div class=\"ps27887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassungen, mit der Ausnahme von Anpassungen der Abzinsungsrate, die logarithmisch ansteigt. Des Weiteren ber\u00fccksichtigt </span></div><div class=\"ps27888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Modell keine unerwarteten Entwicklungen in der Rechtsprechung.</span></div><div class=\"ps27889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr das Gesch\u00e4ftsjahr 2025 wurde die Sensitivit\u00e4tsanalyse etwas erweitert. Zum einen wurde bei der Sensitivit\u00e4t der </span></div><div class=\"ps27890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsperiode zwischen der IFRS 9 Buchwertanpassung und der IAS 37 R\u00fcckstellungen aufgrund der unterschiedlichen </span></div><div class=\"ps27891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsdauer unterschieden. Zum anderen wurde das CHF-Portfolio um neue Sensitivit\u00e4ten im Zusammenhang mit den </span></div><div class=\"ps27892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichsangeboten erg\u00e4nzt, da diesen im Jahr 2025 zahlenm\u00e4\u00dfig eine h\u00f6here Bedeutung zukam. F\u00fcr den Vergleichszeitraum </span></div><div class=\"ps12050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 wurden diese neuen Sensitivit\u00e4ten nicht ermittelt. </span></div><div class=\"ps27916 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27893\">1.965<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25180\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21946\"></span><span class=\"ps21946\">2,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21958\"></span><span class=\"ps21958\">2,0</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14946 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20784\"></span><span class=\"ps20784\">91,5</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27899 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27901 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27900\"></span><span class=\"ps27900\">92,5</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27902 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14959 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26820\"></span><span class=\"ps26820\">117</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27903 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27905 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27904\"></span><span class=\"ps27904\">118</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27907 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27906\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14971 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27908 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27909 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27910 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14987 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27911 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27913 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27912\"></span><span class=\"ps27912\">54</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27915 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27914\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25287\">106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">7,2</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21519\"></span><span class=\"ps21519\">6,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14946 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23527\"></span><span class=\"ps23527\">32,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27899 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27901 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27917\"></span><span class=\"ps27917\">33,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27902 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14959 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27918\"></span><span class=\"ps27918\">83</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27903 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27905 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27907 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14971 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27908 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27909 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27910 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14987 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">35</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27911 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27913 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">36</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27915 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Vergleichsprogramm </span></div><div class=\"ps27920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereits 2023 wurde ein au\u00dfergerichtliches Vergleichsprogramm basierend auf dem Mustervorschlag des Vorsitzenden der </span></div><div class=\"ps27921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">polnischen Finanzaufsichtsbeh\u00f6rde gestartet. Das prim\u00e4re Ziel des Vergleichsprogramms ist die Limitierung der erwarteten </span></div><div class=\"ps27922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verluste, die aus der aktuellen negativen Rechtsprechung resultieren, die meisten Hypothekarkredite g\u00e4nzlich zu annullieren. </span></div><div class=\"ps27923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund einer verhaltenen Resonanz der Kund:innen auf dieses Programm wurde im Jahr 2024 ein verbessertes Modell zum </span></div><div class=\"ps27924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweck einer h\u00f6heren Akzeptanz entwickelt. Im Gegensatz zu einer Neuberechnung des ausgegeben Kreditvertrags mit </span></div><div class=\"ps27925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Parametern orientiert sich das \u00fcberarbeitete Vergleichsprogramm am R\u00fcckzahlungsbetrag an die Kund:innen im </span></div><div class=\"ps27926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fall einer Annullierung abz\u00fcglich eines prozentuellen Abschlags. In beiden F\u00e4llen f\u00fchrt ein Vergleich zu einer Abschreibung eines </span></div><div class=\"ps27927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teils des Kreditbetrags, abh\u00e4ngig vom individuell ausgehandelten Vergleichsangebot. Die Vergleichsprogramme werden mittels </span></div><div class=\"ps27928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mediationsverfahren durch die polnische Finanzaufsichtsbeh\u00f6rde abgewickelt.</span></div><div class=\"ps27929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Per 31.12.2025 hat die RBI 21.630 individuelle Vergleichsangebot an Kund:innen gestellt, wovon mit 4.541 Kund:innen ein Vergleich </span></div><div class=\"ps27930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und mit weiteren 855 Kund:innen der Mediationsprozess erfolgreich abgeschlossen wurde. Die Bank hat bei der Berechnung der </span></div><div class=\"ps27931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorsorgen die gesch\u00e4tzte Anzahl der mit Kund:innen abzuschlie\u00dfenden Vergleiche ber\u00fccksichtigt, die das angepasste Niveau </span></div><div class=\"ps27932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftiger Verluste in diesen Vergleichsf\u00e4llen widerspiegeln. Die Ber\u00fccksichtigung von Vergleichen in der </span></div><div class=\"ps27933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungsberechnung wird von Faktoren wie dem R\u00fcckzahlungsbetrag im Falle einer Annullierung, der Entwicklung der </span></div><div class=\"ps27934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung und der Verfahrensdauer beeinflusst.</span></div><div class=\"ps27935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Rum\u00e4nien<span id=\"i1496d54a25184efda16663eedabe2457\"></span></span></div><div class=\"ps27936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Mai 2023 hat die rum\u00e4nische Verbraucherschutzbeh\u00f6rde (ANPC) die Methode bestritten, wie Raten im Zusammenhang mit </span></div><div class=\"ps27937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucherkrediten berechnet werden, und behauptet, dass R\u00fcckzahlungspl\u00e4ne mit festen Raten, die sich zu Beginn der <span class=\"f ps24\"> </span></span></div><div class=\"ps27938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung aus einem gr\u00f6\u00dferen Zinsanteil und einem geringeren Kapitalanteil zusammensetzen, f\u00fcr Verbraucher nachteilig </span></div><div class=\"ps27939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seien und daher zu gleichen Teilen aus Kapital und Zinsen bestehen sollten. Sie erlie\u00df eine Anordnung, diese Praxis einzustellen, </span></div><div class=\"ps27940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber eine Reihe von Banken, darunter die rum\u00e4nische Netzwerkbank der RBI, Raiffeisen Bank SA, Bukarest, haben vor Gericht </span></div><div class=\"ps27941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Aussetzung der Anwendung dieser ANPC-Ma\u00dfnahme erwirkt. Da der Inhalt der Anordnung unklar ist, kann zum jetzigen </span></div><div class=\"ps27942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt nicht festgestellt werden, ob es zu negativen finanziellen Auswirkungen auf RBRO kommen wird und, wenn ja, </span></div><div class=\"ps27943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welcher m\u00f6gliche Schaden damit verbunden ist. Im Falle einer zwingenden \u00c4nderung der R\u00fcckzahlungspl\u00e4ne k\u00f6nnten die </span></div><div class=\"ps27944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen jedoch erheblich sein. Im Mai 2023 hat Raiffeisen Bank SA, Bukarest die G\u00fcltigkeit der \u201eFeststellungen\u201c der ANPC </span></div><div class=\"ps27945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor Gericht angefochten und das Gericht hat entschieden, dass die ANPC-Ma\u00dfnahme ausgesetzt werden soll, bis es eine </span></div><div class=\"ps27946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">endg\u00fcltige gerichtliche Entscheidung im Anfechtungsverfahren gibt. Im Juni 2025 gewann Raiffeisen Bank SA, Bukarest das </span></div><div class=\"ps2824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren gegen die Feststellungen. Da diese Entscheidung rechtskr\u00e4ftig ist, wurde der Prozess bez\u00fcglich der ANPC-Anordnung </span></div><div class=\"ps27947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgesetzt.</span></div><div class=\"ps27948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Juni 2024 erhielt Raiffeisen Bank SA, Bukarest einen weiteren ANPC-Bericht, der im Wesentlichen auch den gesamten </span></div><div class=\"ps27949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rum\u00e4nischen Bankenmarkt betrifft und auf einer ANPC-Untersuchung dar\u00fcber basiert, wie Banken der Verpflichtung zur </span></div><div class=\"ps27950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausreichenden Information der Kund:innen nachkommen. Basierend auf dem Vorwurf einer \u201ebetr\u00fcgerischen Praxis\u201c der Banken </span></div><div class=\"ps27951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verlangt der Bericht von den Banken, folgende Ma\u00dfnahmen zu ergreifen: (i) Bei Verbraucherkrediten mit variablen Zinss\u00e4tzen ist </span></div><div class=\"ps27952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ANPC der Meinung, dass die Banken einen Zinssatz h\u00e4tten anwenden sollen, der aus einem \u00f6ffentlichen Index (wie ROBOR, </span></div><div class=\"ps27953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EURIBOR, etc.) plus einer Marge besteht, und nicht eine Art \u201eMarktzinssatz\u201c (nicht an einen \u00f6ffentlichen Index gebunden). Somit </span></div><div class=\"ps27954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssten variable Zinss\u00e4tze, die als \u201eMarktzinss\u00e4tze\u201c ausgestaltet sind, auch r\u00fcckwirkend, neu berechnet werden, indem vom </span></div><div class=\"ps27955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anf\u00e4nglichen variablen Zinssatz der zu Beginn der ersten variablen Zinsperiode g\u00fcltige \u00f6ffentliche Index abgezogen wird. Die </span></div><div class=\"ps27956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Differenz w\u00fcrde dann als Marge auf den \u00f6ffentlichen Index angewendet, der f\u00fcr die jeweilige variable Zinsperiode gilt, und das </span></div><div class=\"ps27957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis w\u00fcrde den Zinssatz f\u00fcr diese Periode darstellen. Da sich die Ratenzahlungen aus Zins- und Tilgungszahlungen </span></div><div class=\"ps27958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammensetzen, unterliegen alle Komponenten einer Neuberechnung, als ob der Index plus Marge von Anfang an angewendet </span></div><div class=\"ps27959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">worden w\u00e4re. (ii) Bei CHF-Darlehen m\u00fcssten die ausstehenden Kapitalbetr\u00e4ge sowie die Raten neu berechnet werden, indem </span></div><div class=\"ps27960 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das CHF-Exposure zu dem zum Datum der jeweiligen Kreditvertr\u00e4ge g\u00fcltigen Wechselkurs in Euro umgerechnet wird und die <span class=\"f ps24\"> </span></span></div><div class=\"ps27961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raten berechnet werden, als ob die Kredite in Euro gew\u00e4hrt worden w\u00e4ren, jedoch unter Anwendung des CHF-Zinssatzes. Beide </span></div><div class=\"ps27962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ma\u00dfnahmen scheinen sowohl f\u00fcr laufende Kredite als auch f\u00fcr Kredite zu gelten, die in den letzten sechs Monaten vor dem </span></div><div class=\"ps27963 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datum des ANPC-Berichts (7. Juni 2024) zur\u00fcckgezahlt wurden. Raiffeisen Bank SA, Bukarest ist der Meinung, dass sie </span></div><div class=\"ps27964 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtskonform gehandelt hat und hat gegen den ANPC Bericht Rechtsmittel eingelegt. Beide von der ANPC beschlossenen </span></div><div class=\"ps27965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ma\u00dfnahmen sind ausgesetzt, bis eine endg\u00fcltige gerichtliche Entscheidung in der Sache vorliegt. Sollte diese Klage abgewiesen </span></div><div class=\"ps27966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, w\u00fcrde dies infolge der beiden zuvor erw\u00e4hnten Neuberechnungsma\u00dfnahmen, zu R\u00fcckzahlungen an Kund:innen f\u00fchren. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Dezember 2025 obsiegte die Raiffeisen Bank SA, Bukarest, im Rechtsstreit gegen den ANPC-Bericht in der Sache. Die ANPC </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann gegen diese gerichtliche Entscheidung ein Rechtsmittel einlegen.</span></div><div class=\"ps27967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Bankgesch\u00e4ft<span id=\"i9f21916d3a374dc2aea307f0f2e8b558\"></span></span></div><div class=\"ps11633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI und ihre Tochterunternehmen erbringen Dienstleistungen f\u00fcr Firmenkunden, welche auf operativer Ebene das Risiko von </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten erh\u00f6hen. Die wesentlichsten F\u00e4lle sind:</span></div><div class=\"ps4654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach der Insolvenz der Alpine Holding GmbH (Alpine) im Jahr 2013 reichten Kleinanleger:innen in \u00d6sterreich eine Reihe von </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen im Zusammenhang mit einer von der Alpine im Jahr 2012 begebenen Anleihe im Gesamtnennbetrag von \u20ac 100 Millionen </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI und ein weiteres Kreditinstitut ein. Die Anspr\u00fcche gegen die RBI beliefen sich urspr\u00fcnglich auf etwa \u20ac 10 Millionen. </span></div><div class=\"ps3361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamthaft wurden Klagen in H\u00f6he von rund \u20ac 8 Millionen direkt durch einzelne Anleger:innen oder indirekt mittels <span class=\"f ps24\"> </span></span></div><div class=\"ps5149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sammelklage durch die Kammer f\u00fcr Arbeiter und Angestellte geltend gemacht. Aufgrund einiger eingestellter Verfahren sowie </span></div><div class=\"ps5150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von beschr\u00e4nkten Anspr\u00fcchen reduzierte sich der Streitwert der gegen\u00fcber der RBI anh\u00e4ngigen Gerichtsverfahren auf rund \u20ac </span></div><div class=\"ps5151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">6,3 Millionen. Vorgebracht wird unter anderem, dass die Banken als Joint Lead Manager der Anleiheemission gehandelt h\u00e4tten </span></div><div class=\"ps5152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und zum Zeitpunkt der Emission Kenntnis von finanziellen Problemen der Alpine hatten oder zumindest Kenntnis davon h\u00e4tten </span></div><div class=\"ps5153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben m\u00fcssen. Ihnen sollte daher bekannt gewesen sein, dass die Alpine nicht imstande gewesen sei, die Anleihen gem\u00e4\u00df den </span></div><div class=\"ps5154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleihebedingungen zur\u00fcckzuzahlen. Die Kl\u00e4ger behaupten, dass der Kapitalmarktprospekt in Bezug auf die Anleihe irref\u00fchrend </span></div><div class=\"ps19908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und unvollst\u00e4ndig gewesen sei und die Joint Lead Manager einschlie\u00dflich der RBI, dies gewusst h\u00e4tten. Im Dezember 2023 hat </span></div><div class=\"ps27968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Gericht in erster Instanz in mehreren zusammengefassten Verfahren in einem Teilurteil die auf Prospekthaftung </span></div><div class=\"ps27969 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basierenden Anspr\u00fcche von Anleger:innen gegen die RBI in H\u00f6he von insgesamt rund \u20ac 5,9 Millionen abgewiesen. Das </span></div><div class=\"ps27970 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzliche Urteil wurde vom Gericht zweiter Instanz best\u00e4tigt. Die Kl\u00e4ger haben dagegen im September 2024 Revision </span></div><div class=\"ps27971 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim Obersten Gerichtshof erhoben. Die H\u00f6he der Anspr\u00fcche gegen die RBI in diesem Rechtsmittelverfahren wurde von \u20ac 5,9 </span></div><div class=\"ps27972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen auf \u20ac 5,7 Millionen reduziert. Der Oberste Gerichtshof hat die kl\u00e4gerische Revision in diesem Sammelverfahren mit </span></div><div class=\"ps27973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung vom 23. Juli 2025 zur\u00fcckgewiesen. Weiters konnte die RBI eine Reihe weiterer Verfahren im Vergleichsweg </span></div><div class=\"ps27974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beenden und ihre Verfahrenskosten teilweise ersetzt erhalten. Nach den durch die Revisionsentscheidung erledigten Verfahren </span></div><div class=\"ps27975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist die Anzahl aller ansonsten anh\u00e4ngiger Verfahren auf lediglich zwei (Gesamtstreitwert rund \u20ac 0,5 Millionen) gesunken. </span></div><div class=\"ps27976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im ersten Quartal 2021 erfuhr die RBI von einer Klage, die ein indonesisches Unternehmen bereits im November 2020 in Jakarta </span></div><div class=\"ps27977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen sie eingereicht hatte. Die behauptete Forderung auf Ersatz von Verm\u00f6genssch\u00e4den wird mit rund USD 129 Millionen </span></div><div class=\"ps27978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u20ac\u00a0110 Millionen) und die auf Ersatz von ideellen Sch\u00e4den mit USD 200 Millionen (\u20ac 170 Millionen) beziffert. Die Klage wurde der </span></div><div class=\"ps27979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI im Mai 2022 zugestellt. Am 27. Juni 2023 entschied das Bezirksgericht S\u00fcd-Jakarta (Pengadilan Negeri Jakarta Selatan), dass </span></div><div class=\"ps27980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI gegen\u00fcber dem indonesischen Unternehmen eine rechtswidrige Handlung gesetzt habe, und verurteilte die RBI zur </span></div><div class=\"ps27981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlung von Schadenersatz in H\u00f6he von USD 119 Millionen (\u20ac 101 Millionen). Die RBI hat angesichts der Rechts- und Faktenlage </span></div><div class=\"ps27982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen dieses Urteil beim Landesgericht Jakarta (Pengadilan Tinggi Jakarta) Berufung erhoben. Im M\u00e4rz 2024 entschied das </span></div><div class=\"ps27983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landesgericht Jakarta zugunsten der RBI und wies die Klage mangels indonesischer Gerichtsbarkeit zur\u00fcck. Der Kl\u00e4ger brachte </span></div><div class=\"ps27984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Juni 2024 eine Revision beim Obersten Gerichtshof Indonesiens (Mahkamah Agung Republik Indonesia) ein, gegen welche die </span></div><div class=\"ps27985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI eine Revisionsbeantwortung einreichte. W\u00e4hrend auf der Internetseite des Bezirksgerichts S\u00fcd-Jakarta die Abweisung der </span></div><div class=\"ps27986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Revision vermerkt ist, ist die Zustellung dieser Entscheidung des Obersten Gerichtshofs Indonesiens an RBI noch ausst\u00e4ndig.</span></div><div class=\"ps27987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI ist in einem Rechtsstreit mit einem Unternehmen auf den Cayman Islands (Cayman Islands Gesellschaft) und anderen </span></div><div class=\"ps27988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien (einschlie\u00dflich mehrerer Tochterunternehmen und einem Vorstandsmitglied der Cayman Islands Gesellschaft) </span></div><div class=\"ps27989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beteiligt, bei dem es um die Nichtzahlung unter Garantien geht, die von der fr\u00fcheren Muttergesellschaft der Cayman Islands </span></div><div class=\"ps19845 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (Muttergesellschaft) gegeben wurden. Im August 2019 leitete die RBI ein Verfahren gegen die Cayman Islands </span></div><div class=\"ps19846 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (und weitere Gegenparteien) beim Grand Court of the Cayman Islands, Financial Services Division (dem Gerichtshof </span></div><div class=\"ps19847 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Cayman Islands) ein. In diesen Verfahren macht RBI, allgemein formuliert, geltend, dass die Muttergesellschaft durch eine </span></div><div class=\"ps19848 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reihe betr\u00fcgerischer Transfers (das Betrugsschema) ihrer Verm\u00f6genswerte beraubt wurde, um die Durchsetzung von Garantien </span></div><div class=\"ps19849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugunsten der RBI zu verhindern. Im September 2019 erwirkte die RBI eine einstweilige Verf\u00fcgung gegen die Cayman Islands </span></div><div class=\"ps19850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft, die die M\u00f6glichkeit, \u00fcber ihr Verm\u00f6gen zu verf\u00fcgen, einschr\u00e4nkte (die Freezing Order), bis das Verfahren vor dem </span></div><div class=\"ps19851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtshof der Cayman Islands entschieden wird. Im November 2019 reichte die Cayman Islands Gesellschaft eine Bestreitung </span></div><div class=\"ps19852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und eine Gegenklage vor dem Gerichtshof der Cayman Islands ein, die darin enthaltene Gegenklage in H\u00f6he von \u20ac 203 Millionen </span></div><div class=\"ps27990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI. Die Cayman Islands Gesellschaft baut ihre Gegenklage dabei auf Dokumenten auf, deren Vorlage die Cayman </span></div><div class=\"ps27991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands Gesellschaft bislang verweigert hat. Das Verfahren vor dem Gerichtshof der Cayman Islands wurde im Jahr 2020 um </span></div><div class=\"ps27992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Gegenparteien erweitert. Im Dezember 2021 wies das Berufungsgericht der Cayman Islands die Versuche der Cayman </span></div><div class=\"ps27993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands Gesellschaft und anderer Gegenparteien ab, die Freezing Order und die Zust\u00e4ndigkeit des Gerichtshofs der Cayman </span></div><div class=\"ps27994 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands anzufechten. Diese Antr\u00e4ge wurden abgelehnt und der RBI ein Kostenersatz zugesprochen. Im Jahr 2023 \u00e4nderte die RBI </span></div><div class=\"ps27995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihre Klage ab, nahm ein Vorstandsmitglied der Cayman Islands Gesellschaft (Vorstandsmitglied) als Gegenpartei in die </span></div><div class=\"ps27996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren vor dem Gerichtshof der Cayman Islands auf und erh\u00f6hte ihre Schadenersatzforderung von rund \u20ac 44 Millionen auf </span></div><div class=\"ps27997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rund \u20ac 106 Millionen, zuz\u00fcglich Zinsen und Kosten. \u00dcber einen Antrag des Vorstandsmitglieds auf Anfechtung der Zust\u00e4ndigkeit </span></div><div class=\"ps27998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und seine Miteinbeziehung in das Verfahren vor dem Gerichtshof der Cayman Islands wurde im Februar 2025 verhandelt und </span></div><div class=\"ps27999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Antrag im April 2025 abgewiesen, wobei RBI ein Kostenersatz zugesprochen wurde. Die Klagebeantwortung des </span></div><div class=\"ps28000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorstandsmitgliedes wurde im August 2025 eingebracht. Nach einer \u201eCase Management Conference\u201c -Tagsatzung (iW: </span></div><div class=\"ps28001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Festlegung des Prozesszeitplans) im September 2025 wurde angeordnet, dass das Hauptverfahren am ersten verf\u00fcgbaren </span></div><div class=\"ps28002 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Termin nach dem 2. April 2027 beginnen soll. Ebenfalls im September 2025 wurde das Verfahren um eine neue Gegenpartei (eine </span></div><div class=\"ps28003 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaft der Cayman Islands Gesellschaft) erweitert. Diese Gegenpartei gab dem Gerichtshof der Cayman Islands </span></div><div class=\"ps28004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungserkl\u00e4rungen im Wesentlichen in derselben Form ab wie die Freezing Order, und sowohl die Cayman Islands </span></div><div class=\"ps28005 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft als auch die neue Gegenpartei wurden angewiesen, alle ihre Verm\u00f6genswerte im Wert von \u00fcber \u20ac 3 Millionen </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">offenzulegen, wobei weitere Informationen von den Wirtschaftspr\u00fcfern der Cayman Islands Gesellschaft bereitgestellt werden </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollen, um die \u00dcberwachung der Freezing Order zu unterst\u00fctzen. Weitere damit verbundene Verfahren wurden von </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien innerhalb der Unternehmensgruppe der Cayman Islands Gesellschaft gegen die RBI eingebracht, unter anderem </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Malta und British Columbia (Kanada). Diese Verfahren werden von RBI ausgefochten, aber nur mit dem Ziel von </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Feststellungen und nicht eines Schadenersatzanspruches.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Februar 2025 wurde der Kathrein Privatbank Aktiengesellschaft (Kathrein), einer Tochtergesellschaft der RBI, eine beim </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelsgericht Wien eingebrachte Klage auf Schadensersatz in H\u00f6he von \u20ac 50 Millionen und Feststellung der Haftung </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bewertung \u20ac 1 Million) im Zusammenhang mit Malversationen eines fr\u00fcheren Mitarbeiters der Kathrein zugestellt. Obwohl </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kathrein den Kl\u00e4ger in H\u00f6he des von der Malversation betroffenen Betrags bereits entsch\u00e4digt hatte, konnte sie mit dem </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kl\u00e4ger keine au\u00dfergerichtliche Einigung \u00fcber die H\u00f6he des damit verbundenen hypothetischen Gewinnentgangs erzielen. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nichtsdestotrotz werden weitere au\u00dfergerichtliche Vergleichsverhandlungen parallel zum Gerichtsverfahren gef\u00fchrt. Der </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geforderte Betrag ist deutlich h\u00f6her als der von Kathrein berechnete Betrag, der auch durch ein externes Gutachten gest\u00fctzt </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird. Aufgrund der Rechtseinsch\u00e4tzung der Kathrein wurde eine R\u00fcckstellung in angemessener H\u00f6he gebildet.</span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende Juni 2025 reichte ein russischer Firmenkunde der AO Raiffeisenbank beim Schiedsgericht Moskau eine Schadenersatzklage </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in H\u00f6he von etwa \u20ac 337 Millionen gegen die AO Raiffeisenbank ein. Der Kl\u00e4ger behauptet, Verluste erlitten zu haben, die aus </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Nichtzustandekommen des Verkaufs von Anteilen an einer deutschen Tochtergesellschaft, die eine Produktionsanlage in </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Deutschland betreibt, resultierten. Der Kl\u00e4ger warf der AO Raiffeisenbank, die Beratungsleistungen im Zusammenhang mit dem </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glichen Verkauf erbracht hatte, vor, dass sie f\u00fcr dieses Scheitern verantwortlich gewesen sei. Die Klage ist beim </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schiedsgericht Moskau anh\u00e4ngig. Parallel dazu werden Verhandlungen \u00fcber einen au\u00dfergerichtlichen Vergleich gef\u00fchrt. Am 2. </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2025 zog der Kl\u00e4ger seine Klage gegen die AO Raiffeisenbank zur\u00fcck und das Schiedsgericht Moskau beendete das </span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren ohne eine Zahlungsverpflichtung der AO Raiffeisenbank gegen\u00fcber dem russischen Kl\u00e4ger. </span></div><div class=\"ps28006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Durchsetzung durch Regulierungsbeh\u00f6rden<span id=\"i412206e6a7b74809b16ca3c6c144d47c\"></span></span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI und ihre Tochterunternehmen unterliegen zahlreichen nationalen und internationalen Regulierungsbeh\u00f6rden.</span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im M\u00e4rz 2018 wurde von der FMA im Rahmen eines Verwaltungsstrafverfahrens gegen die RBI eine Verwaltungsstrafe in H\u00f6he </span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 2,7 Millionen (die auf der Grundlage des konsolidierten Jahresumsatzes der RBI berechnet wurde und sich auf 0,06 Prozent </span></div><div class=\"ps26123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des letzten verf\u00fcgbaren konsolidierten Jahresumsatzes bel\u00e4uft) f\u00fcr eine angebliche Nichteinhaltung von formalen </span></div><div class=\"ps26124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dokumentationspflichten im Zusammenhang mit dem Know-your-Customer-Prinzip verh\u00e4ngt (Urspr\u00fcngliche FMA- <span class=\"f ps24\"> </span></span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung). Nach Auslegung der \u00f6sterreichischen Finanzmarktaufsicht (FMA) hatte die RBI in einigen wenigen Einzelf\u00e4llen </span></div><div class=\"ps22515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diese administrativen Verpflichtungen nicht eingehalten. Die FMA behauptete nicht, dass Geldw\u00e4sche oder ein anderes </span></div><div class=\"ps22516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf eine kriminelle Handlung oder ein Zusammenhang mit einer </span></div><div class=\"ps22517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solchen best\u00fcnde. Die RBI vertrat die Auffassung, dass sie allen Sorgfaltspflichten in Bezug auf die Know-your-Customer-<span class=\"f ps24\"> </span></span></div><div class=\"ps22518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anforderungen ordnungsgem\u00e4\u00df nachgekommen sei, und erhob Beschwerde gegen die Urspr\u00fcngliche FMA-Entscheidung in ihrer </span></div><div class=\"ps22519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtheit. Das Bundesverwaltungsgericht (BVwG) best\u00e4tigte die urspr\u00fcngliche FMA-Entscheidung (Erste <span class=\"f ps24\"> </span></span></div><div class=\"ps28007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung), wogegen die RBI jedoch in vollem Umfang Revision erhob. Im Dezember 2019 hob der </span></div><div class=\"ps28008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgerichtshof (VwGH) die Erste Berufungsentscheidung auf und wies den Fall an das BVwG zur\u00fcck. In der erneuten </span></div><div class=\"ps28009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 6. Mai 2021 die urspr\u00fcngliche FMA-Entscheidung grunds\u00e4tzlich erneut, </span></div><div class=\"ps28010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">senkte jedoch die Verwaltungsstrafe auf \u20ac 824 Tausend und lie\u00df erneut eine (zweite) Revision vor dem VwGH zu (Zweite </span></div><div class=\"ps28011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df Revision. Im Juli 2023 hob der VwGH die zweite Berufungsentscheidung auf </span></div><div class=\"ps28012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und wies den Fall wieder an das BVwG zur\u00fcck. In der erneuten Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 25. April </span></div><div class=\"ps28013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 grunds\u00e4tzlich erneut die urspr\u00fcngliche FMA-Entscheidung, aber senkte die Verwaltungsstrafe auf \u20ac 2 Millionen (von dem </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der urspr\u00fcnglichen FMA-Entscheidung verh\u00e4ngten Betrag von \u20ac 2,7 Millionen) und lie\u00df erneut eine (dritte) Revision vor dem </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">VwGH zu (Dritte Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df am 7. Juni 2024 Revision. Es wurde eine R\u00fcckstellung in </span></div><div class=\"ps5123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessener H\u00f6he gebildet.</span></div><div class=\"ps22530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im September 2018 wurden im Rahmen eines Verwaltungsverfahrens zwei Verwaltungsstrafen in H\u00f6he von insgesamt PLN 55 </span></div><div class=\"ps22531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 13 Millionen) gegen Raiffeisen Bank Polska S.A (RBPL), die ehemalige polnische Tochtergesellschaft der RBI, verh\u00e4ngt, </span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">da sie ihren Pflichten als Verwahrstelle und Liquidator bestimmter Investmentfonds angeblich nicht nachgekommen ist. Die </span></div><div class=\"ps23989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBPL als Verwahrstelle von Investmentfonds hat im Februar 2018 die Rolle des Liquidators f\u00fcr bestimmte Fonds \u00fcbernommen. <span class=\"f ps24\"> </span></span></div><div class=\"ps23990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach Einsch\u00e4tzung der polnischen Finanzaufsichtsbeh\u00f6rde (KNF) ist die RBPL bestimmten Verpflichtungen in ihrer Funktion als </span></div><div class=\"ps28014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Depotbank und Liquidator der Fonds nicht nachgekommen. Im Zuge der Transaktionen im Zusammenhang mit dem Verkauf </span></div><div class=\"ps28015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Kernbankengesch\u00e4fts der RBPL an die Bank BGZ BNP Paribas S.A. hat die RBI die Verantwortung f\u00fcr die dargelegten </span></div><div class=\"ps28016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsverfahren und die damit verbundenen Strafen \u00fcbernommen. Die RBI hat gegen s\u00e4mtliche Strafen Berufung </span></div><div class=\"ps28017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingelegt. Im September 2019 hat das Verwaltungsgericht der Woiwodschaft der Berufung der RBI in Bezug auf die Strafe in </span></div><div class=\"ps28018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) bez\u00fcglich der Pflichten der RBPL als Depotbank stattgegeben und die Entscheidung der </span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">KNF vollst\u00e4ndig aufgehoben. Die KNF legte gegen das Urteil Kassationsbeschwerde ein. Im Hinblick auf die Geldstrafe in H\u00f6he </span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von PLN 50 Millionen (\u20ac 12 Millionen) in Bezug auf die Funktion der RBPL als Liquidator hat das Verwaltungsgericht der </span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Woiwodschaft die Berufung abgewiesen und die Entscheidung der KNF vollst\u00e4ndig best\u00e4tigt. Die RBI hat beim Obersten </span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht Kassationsbeschwerde eingelegt, da sie der Ansicht ist, dass die RBPL all ihren Pflichten vollumf\u00e4nglich </span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachgekommen ist. Im April 2023 verwies das Oberste Verwaltungsgericht den Fall bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 5 </span></div><div class=\"ps28019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 1 Million) zur erneuten Pr\u00fcfung an das Verwaltungsgericht der Woiwodschaft zur\u00fcck. Weiters hat das Oberste </span></div><div class=\"ps28020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht die Kassationsbeschwerde der RBI bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac 12 Millionen) </span></div><div class=\"ps28021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgewiesen. Diese ist nunmehr final. Allerdings legte die RBI im Oktober 2023 beim Europ\u00e4ischen Gerichtshof f\u00fcr </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Menschenrechte Beschwerde in Bezug auf dieses Urteil ein. Im Oktober 2023 hat das Verwaltungsgericht der Woiwodschaft die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufung der RBI abgewiesen und die Entscheidung der KNF, welche die Strafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) gegen die </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI aufgrund angeblicher Pflichtverletzung als Depotbank f\u00fcr bestimmte Investmentfonds verh\u00e4ngte, best\u00e4tigt. Gegen dieses </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteil wurde beim Obersten Verwaltungsgericht Kassationsbeschwerde eingelegt. Im Februar 2025 hat das Oberste </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht die Kassationsbeschwerde der RBI bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgewiesen. Diese ist nunmehr final. Im Juli 2025 reichte die RBI auch eine Beschwerde beim Europ\u00e4ischen Gerichtshof f\u00fcr </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Menschenrechte betreffend diese Entscheidung ein. Beide Geldstrafen, d. h. die Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Million) und die Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac 12 Millionen), wurden bereits bezahlt.</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang wurden mehrere Einzelklagen und vier Sammelklagen, in denen Anspr\u00fcche von Inhaber:innen von </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zertifikaten der oben genannten Investmentfonds zusammengefasst werden, gegen die RBI eingereicht. Der Gesamtstreitwert </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">per 31. Dezember 2025 betr\u00e4gt rund PLN 81 Millionen (\u20ac 19 Millionen). Dar\u00fcber hinaus wurde die RBI dar\u00fcber informiert, dass dem </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht zwei \u00c4nderungen der Klageschrift vorgelegt wurden, die zu einer Erh\u00f6hung des Gesamtstreitwerts um rund PLN 93 </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 22 Millionen) f\u00fchren k\u00f6nnten. Die erste dieser \u00c4nderungen \u00fcber einen Betrag von circa PLN 91 Millionen (\u20ac 22 </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) wurde der RBI jedoch noch nicht zugestellt. Die Kl\u00e4ger im Rahmen der Sammelklagen fordern, dass die Verantwortung </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI f\u00fcr die behaupteten mangelhaften Leistungen der RBPL (deren Rechtsnachfolgerin die RBI ist) als Depotbank </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgestellt wird. Eine derartige Feststellung w\u00fcrde die finanziellen Anspr\u00fcche der Kl\u00e4ger f\u00fcr weitere Rechtsstreitigkeiten </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sichern und erleichtern. Aufgrund der Rechtseinsch\u00e4tzung der RBI wurde keine R\u00fcckstellung gebildet. </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI eine Anzahl von Benachrichtigungen \u00fcber Anspr\u00fcche seitens BNP im Zusammenhang mit </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Bankgesch\u00e4ften, f\u00fcr die BNP Rechtsnachfolger der RBPL ist, erhalten. Diese Forderungsmitteilungen beziehen sich </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haupts\u00e4chlich auf Verwaltungsverfahren, die von der KNF (Polish Financial Supervision Authority) im Zusammenhang mit </span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angeblichen Vers\u00e4umnissen der RBPL/BNP als Verwahrer von Investmentfonds durchgef\u00fchrt wurden, und k\u00f6nnen zu </span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldstrafen f\u00fchren. Dar\u00fcber hinaus wurden in diesem Zusammenhang Anspr\u00fcche von Anleger:innen gegen\u00fcber der BNP </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erhoben. Die RBI unterst\u00fctzt die BNP in diesen Zusammenhang. Die finanziellen Auswirkungen sind derzeit nicht absch\u00e4tzbar.</span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 wurde die RBI von der FMA informiert, dass ein Verwaltungsstrafverfahren wegen einer angeblichen <span class=\"f ps24\"> </span></span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nichteinhaltung von bestimmten rechtlichen Vorschriften bez\u00fcglich dem Know-Your-Customer Prinzip in Verbindung mit drei </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kunden aus dem Korrespondenzbankgesch\u00e4ft der RBI eingeleitet wurde. Die verfahrensgegenst\u00e4ndlichen Transaktionen </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden von der RBI zwischen 2017 und 2020 abgewickelt. Gem\u00e4\u00df der Auslegung der FMA h\u00e4tte sich die RBI nicht ausreichend </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">davon \u00fcberzeugt, dass diese Banken angemessene Due-Diligence-Prozesse zu ihren eigenen Kunden aus deren eigenen </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzbankgesch\u00e4ft implementiert h\u00e4tten. Daher w\u00e4re es der RBI, aus Sicht der FMA, nicht gelungen, ihre </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen aus den entsprechenden Verwaltungsvorschriften vollst\u00e4ndig zu erf\u00fcllen. Die FMA hat allerdings nicht </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">behauptet, dass tats\u00e4chlich Geldw\u00e4sche oder ein anderes Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf oder in </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit einer anderen kriminellen Handlung vorgelegen sei. Im Juni 2024 stellte FMA das </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsstrafverfahren in Bezug auf eine Bank ohne Strafe ein, verh\u00e4ngte aber eine Verwaltungsstrafe von \u20ac 2,07 Millionen </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber RBI in Bezug auf die anderen beiden Banken. Im Juli 2024 brachte RBI ein Rechtsmittel beim Bundesverwaltungsgericht </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(BVwG) ein und daher ist die Verwaltungsstrafe noch nicht rechtskr\u00e4ftig. Das BVwG hat mittlerweile den EuGH um </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorabentscheidung \u00fcber die Einbindung und die Behandlung von nat\u00fcrlichen Personen, die f\u00fcr eine juristische Person t\u00e4tig sind, </span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als Voraussetzung f\u00fcr die Bestrafung eben solcher juristischen Person ersucht. Das Verfahren vor dem EuGH ist derzeit noch </span></div><div class=\"ps27754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht abgeschlossen.</span></div><div class=\"ps2442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 erhielt die RBI ein Auskunftsersuchen (RFI) vom Amt zur Kontrolle von Auslandsverm\u00f6gen (OFAC) des US-</span></div><div class=\"ps2444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzministeriums. OFAC \u00fcberwacht und vollstreckt Wirtschafts- und Handelssanktionen auf der Grundlage der US-</span></div><div class=\"ps28023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Au\u00dfenpolitik und der nationalen Sicherheitsziele. Ein Versto\u00df gegen US-Sanktionen kann unter anderem Geldstrafen, das </span></div><div class=\"ps28024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einfrieren von Konten oder die Beendigung von Gesch\u00e4ftsbeziehungen mit US-Korrespondenzbanken zur Folge haben. Die von </span></div><div class=\"ps28025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">OFAC im RFI aufgeworfenen Fragen zielen darauf ab, den Zahlungsverkehr und die damit verbundenen Prozesse der RBI mit US-</span></div><div class=\"ps28026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzbanken vor dem Hintergrund der Entwicklungen im Zusammenhang mit Russland und der Ukraine zu kl\u00e4ren. Die </span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI arbeitet seit M\u00e4rz 2023 auch mit dem US-Justizministerium (U.S. Department of Justice - DOJ) im Zusammenhang mit einer </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">DOJ-Anfrage zur Einhaltung der Sanktionen gegen Russland durch die RBI zusammen. Ein Versto\u00df gegen das US-Strafrecht im </span></div><div class=\"ps27763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit Sanktionen kann unter anderem zu Geldstrafen oder der Ernennung eines Beobachters f\u00fchren. Die RBI </span></div><div class=\"ps27764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgt aus Prinzip \u00fcber Richtlinien und Verfahren, die konzipiert sind um die Einhaltung anwendbarer Embargos und </span></div><div class=\"ps27765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzsanktionen sicherzustellen, und kooperiert in Bezug auf deren Anfragen uneingeschr\u00e4nkt mit OFAC und DOJ, soweit dies </span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach geltenden Gesetzen und Vorschriften zul\u00e4ssig ist.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-449": {
   "value": "<div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewinne/Verluste aus modifizierten Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Barwert\u00e4nderungen unwesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20736\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20214\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus der Ausbuchung aufgrund wesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen auf Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20737\">-50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen von nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20738\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen sowie Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20565\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr Umsatzsteuer - Zwischenbankbefreiung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde f\u00fcr kreditbezogene, portfolio-basierte Rechtsstreitigkeiten und Annullierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18452\">-302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20742\">-657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde aus Rechtsstreitigkeiten in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">-1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr einen Rechtsstreit in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20743\">-339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20744\">-840<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20745\">-1.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20746\">-1.590<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das \u00fcbrige Ergebnis belief sich in der Berichtsperiode auf minus \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1356\">1.918</span><span class=\"f charStyle-9eccfdcb ps1357\"> Millionen nach </span><span class=\"f charStyle-9eccfdcb ps1358\">minus <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1359\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1360\">1.590</span><span class=\"f charStyle-9eccfdcb ps1361\"> Millionen in der </span></div><div class=\"ps20748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichsperiode. Hauptgr\u00fcnde daf\u00fcr waren die Ausbuchung der erwarteten Erl\u00f6se aus der Vollstreckung der Anspr\u00fcche der </span></div><div class=\"ps20749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI in die \u00f6sterreichischen Verm\u00f6genswerte von Rasperia Trading Limited sowie von Zinsaufw\u00e4nden im Zusammenhang mit </span></div><div class=\"ps20750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem der Rasperia zugesprochenen Schadenersatz (\u20ac 1.269 Millionen) und die Dotierung einer R\u00fcckstellung im Zusammenhang <span class=\"f ps24\"> </span></span></div><div class=\"ps20751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit dem zweiten Rasperia-Verfahren (\u20ac 339 Millionen). Zus\u00e4tzlich wirkten sich kreditbezogene, portfolio-basierte </span></div><div class=\"ps20752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten und Annullierungen von Kreditvertr\u00e4gen mit \u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1369\">302<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1370\"> Millionen (Vorjahr: \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1371\">657<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1372\"> Millionen) negativ aus. Diese <span class=\"f ps24\"> </span></span></div><div class=\"ps20753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrafen nahezu ausschlie\u00dflich Hypothekarkredite in Polen, die in Fremdw\u00e4hrungen denominiert oder an eine Fremdw\u00e4hrung </span></div><div class=\"ps20754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gekoppelt sind. Verluste aus modifizierten Vertragskonditionen f\u00fchrten in der Berichtsperiode zu einem Ergebnis von minus \u20ac 29 </span></div><div class=\"ps20755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen, vorwiegend in der Slowakei (\u20ac 13 Millionen) und in der Konzernzentrale (\u20ac 8 Millionen). </span></div><div class=\"ps23436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(27) R\u00fcckstellungen<span id=\"ic3b4802a27a945149b64336bc9483d6c\"></span></span></div><div class=\"ps23437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen werden gebildet, wenn der Konzern eine gegenw\u00e4rtige Verpflichtung aus einem vergangenen Ereignis hat und </span></div><div class=\"ps23438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sowohl wahrscheinlich ist, dass er verpflichtet sein wird, diese zu erf\u00fcllen, als auch eine verl\u00e4ssliche Sch\u00e4tzung des Betrags </span></div><div class=\"ps23439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glich ist. Der angesetzte R\u00fcckstellungsbetrag ist der am Bilanzstichtag bestm\u00f6gliche Sch\u00e4tzwert f\u00fcr die Leistung, die unter </span></div><div class=\"ps23440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der der Verpflichtung zugrunde liegenden Risiken und Unsicherheiten hinzugeben ist, um die gegenw\u00e4rtige <span class=\"f ps24\"> </span></span></div><div class=\"ps23441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtung zu erf\u00fcllen. Risiken und Unsicherheiten sind bei der Sch\u00e4tzung ber\u00fccksichtigt. Wird eine R\u00fcckstellung auf Basis der <span class=\"f ps24\"> </span></span></div><div class=\"ps12282 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die Erf\u00fcllung der Verpflichtung gesch\u00e4tzten Zahlungsstr\u00f6me bewertet, sind diese Zahlungsstr\u00f6me abzuzinsen, sofern der </span></div><div class=\"ps23442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinseffekt wesentlich ist. </span></div><div class=\"ps23443 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Zuf\u00fchrung zu R\u00fcckstellungen erfolgt \u00fcber verschiedene Posten der Erfolgsrechnung. Kreditrisikovorsorgen f\u00fcr </span></div><div class=\"ps23444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eventualverbindlichkeiten werden in der Erfolgsrechnung unter dem Posten Wertminderungen auf finanzielle Verm\u00f6genswerte </span></div><div class=\"ps23445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Die Restrukturierungsr\u00fcckstellungen und die sonstigen Personalvorsorgen werden \u00fcber </span></div><div class=\"ps23446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsaufwendungen dotiert. Zuf\u00fchrungen zu R\u00fcckstellungen, die nicht dem Verwaltungsaufwand zuzuordnen sind, </span></div><div class=\"ps23447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden grunds\u00e4tzlich zulasten des sonstigen betrieblichen Ergebnisses gebildet.</span></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23448\">183<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien gem\u00e4\u00df IAS 37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Personalr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23449\">525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21525\">478<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Pensionen und andere Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">168<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen an Mitarbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Bonuszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">266<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Andere R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-ca7bbde0 ps23235\">1.930<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20912\">2.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anh\u00e4ngige Rechts- und Steuerf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1071\">1.716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20164\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Belastende Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19282\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18394\">155<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">2.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23450\">2.902<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die R\u00fcckstellungen verringerten sich um \u20ac </span><span class=\"f charStyle-9eccfdcb ps23451\">227</span><span class=\"f charStyle-9eccfdcb ps23452\"> Millionen auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps23453\">2.675</span><span class=\"f charStyle-9eccfdcb ps23454\"> Millionen. Der R\u00fcckgang war vor allem auf den Verbrauch </span></div><div class=\"ps23455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der im Vorjahr gebildeten R\u00fcckstellung f\u00fcr Rasperia in H\u00f6he von \u20ac 840 Millionen zur\u00fcckzuf\u00fchren. Dieser R\u00fcckgang wurde durch </span></div><div class=\"ps23456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dotierung einer R\u00fcckstellung im Zusammenhang mit dem zweiten Rasperia-Verfahren in H\u00f6he von \u20ac 339 Millionen teilweise <span class=\"f ps24\"> </span></span></div><div class=\"ps23457 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kompensiert. In Polen kam es zu einer Erh\u00f6hung der R\u00fcckstellung von \u20ac 208 Millionen (Vorjahr: \u20ac 561 Millionen) im </span></div><div class=\"ps12521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit Hypothekarkrediten in Fremdw\u00e4hrungen. </span></div><div class=\"ps23458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter Ber\u00fccksichtigung der unterj\u00e4hrigen Ver\u00e4nderungen des Fremdw\u00e4hrungsportfolios haben sich die R\u00fcckstellungen in Polen </span></div><div class=\"ps23459 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Berichtsperiode aufgrund zinssatzbedingter Ver\u00e4nderungen um etwa \u20ac 17 Millionen erh\u00f6ht, w\u00e4hrend sich aus dem </span></div><div class=\"ps23461 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitfaktor eine Verringerung um etwa \u20ac 6 Millionen ergab. Mehr Details zu beiden Sachverhalten siehe Punkt <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps23460\">(45) Offene </span></div><div class=\"ps23463 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps23462\">.</span></div><div class=\"ps23568 ss0\"><div class=\"ss718 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss131\"><div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23465 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps7027\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23464\">1.1.2025</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23467 ss1331\"><div><div class=\"ps5426 ss863\"><span class=\"f charStyle-1dbd4d87 ps13210\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss863\"><span class=\"f charStyle-1dbd4d87 ps23466\">Konsolidierungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps8904\">Zu-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23468\">f\u00fchrungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23470 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-3e64e966 ps11486\">Auf-</span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-3e64e966 ps23469\">l\u00f6sungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-3e64e966 ps12458\">Ver-</span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-3e64e966 ps10948\">brauch</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1332\"><div><div class=\"ps5430 ss1191\"><span class=\"f charStyle-3e64e966 ps23471\">Umbuchungen, </span></div><div class=\"ps5426 ss1191\"><span class=\"f charStyle-3e64e966 ps23472\">W\u00e4hrungs- </span></div><div class=\"ps5427 ss1191\"><span class=\"f charStyle-3e64e966 ps5331\">differenzen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5727 ss1333\"><div><div class=\"ps5426 ss40\"><span class=\"f charStyle-1dbd4d87 ps17893\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss40\"><span class=\"f charStyle-1dbd4d87 ps21883\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-3e64e966 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle </span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-3e64e966 ps30\">Risiken</span><span class=\"f charStyle-cdbbedb5 ps23474\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23476 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23478 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23479 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23480 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps364\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23481 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23482 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23483 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1865 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">gem\u00e4\u00df IAS 37</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23484 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23485 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23486 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23487 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23488 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23489 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23490 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3838 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Personalr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23491 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20437\">478<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23492 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23493 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10760\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23494 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20548\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23495 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18110\">-229<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23496 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12816\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23497 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps12174\">525<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Pensionen und andere Leistungen nach <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Beendigung des Arbeitsverh\u00e4ltnisses</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23498 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23499 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23500 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21842\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23501 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23502 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23503 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23505 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps23504\">145<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen an <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23506 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps189\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23507 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23508 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23509 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23510 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps17741\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Bonuszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23511 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16642\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23512 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20133\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23513 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16642\">269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23514 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7185\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8534 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps23515\">-214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23516 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17779\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23518 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23517\">336<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23519 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23520 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps366\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23522 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21513 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23523 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23525 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps23524\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Andere R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23526 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps12529\">2.241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23528 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23527\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23529 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps18418\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23530 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps20533\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23531 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps7898\">-1.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23532 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps8756\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23533 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps223\">1.930<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Anh\u00e4ngige Rechts- und Steuerf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23534 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21211\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23535 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23536 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20541\">773<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23537 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7185\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23538 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8403\">-1.085<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23539 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19194\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23540 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps20501\">1.716<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23541 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23542 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23543 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps116\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23544 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23545 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23546 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23547 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1462\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Belastende Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23548 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps340\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23549 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23550 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23551 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23552 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23553 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23554 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17279\">57<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23555 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10578\">155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23556 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23557 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10370\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23558 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21183\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8574 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10571\">-49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23559 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23560 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23504\">154<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23561 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10106\">2.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23562 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23563 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9080\">1.127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23564 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps13355\">-69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23565 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps5192\">-1.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps22392\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23567 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps10425\">2.456<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"8\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1336\"><div><div class=\"ps5906 ss718\"><span class=\"f charStyle-2babd150 ps30\">1 R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken nach IFRS 9 sind nicht enthalten und werden aufgrund der granulareren Darstellung nach Stages unter Punkt (30) Kreditzusagen, Finanzgarantien und <span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss718\"><span class=\"f charStyle-2babd150 ps30\">sonstige Zusagen dargestellt.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss1337 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss131\"><div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23465 ss232\"><div><div class=\"ps5426 ss163\"><span class=\"f charStyle-1dbd4d87 ps23571\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss163\"><span class=\"f charStyle-1dbd4d87 ps23572\">1.1.2024</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23573 ss1331\"><div><div class=\"ps5426 ss863\"><span class=\"f charStyle-1dbd4d87 ps13210\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss863\"><span class=\"f charStyle-1dbd4d87 ps23466\">Konsolidierungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23574 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps8904\">Zu-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23468\">f\u00fchrungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23575 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps11486\">Auf-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps23469\">l\u00f6sungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12331 ss760\"><div><div class=\"ps5426 ss61\"><span class=\"f charStyle-1dbd4d87 ps12458\">Ver-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss61\"><span class=\"f charStyle-1dbd4d87 ps10948\">brauch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23579 ss775\"><div><div class=\"ps5430 ss5\"><span class=\"f charStyle-1dbd4d87 ps23576\">Umbuchungen, <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss5\"><span class=\"f charStyle-1dbd4d87 ps23577\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23578\">differenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23581 ss1333\"><div><div class=\"ps5426 ss40\"><span class=\"f charStyle-1dbd4d87 ps17893\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss40\"><span class=\"f charStyle-1dbd4d87 ps23580\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-3e64e966 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle </span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-3e64e966 ps30\">Risiken</span><span class=\"f charStyle-cdbbedb5 ps23474\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23476 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps6996\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23582 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-1dbd4d87 ps23477\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23583 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23584 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps214\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23585 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps23475\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23587 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps23586\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23588 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1865 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen und Garantien <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">gem\u00e4\u00df IAS 37</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23484 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps485\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23589 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23590 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23591 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps80\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23592 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23593 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23594 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3838 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Personalr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23491 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-1dbd4d87 ps13521\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23596 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23595\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23597 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps9587\">228<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23598 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps12730\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23599 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11485\">-205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23601 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23600\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23602 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps1672\">478<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Pensionen und andere Leistungen nach <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Beendigung des Arbeitsverh\u00e4ltnisses</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23498 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps23603\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23604 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps9362\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23605 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps9443\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23606 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23607 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps7185\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23608 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps18513\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23609 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps19735\">168<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen an <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Mitarbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23506 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps21855\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23610 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23611 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps1621\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23612 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23613 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23614 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps8320\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Bonuszahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23511 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13421\">275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23615 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20204\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23616 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10730\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23617 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9439\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23618 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6254\">-188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23619 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22710\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23620 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps107\">266<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1334\"><div><div class=\"ps1485 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen aus Anlass der Beendigung des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Arbeitsverh\u00e4ltnisses<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23519 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps10496\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23621 ss1335\"><div><div class=\"ps516 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23622 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23623 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23624 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23625 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23626 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1462\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Andere R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23526 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-1dbd4d87 ps18692\">931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23628 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23627\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23629 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps10467\">1.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23630 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11939\">-120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23631 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps12960\">-247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23632 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17892\">-67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23633 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps8738\">2.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Anh\u00e4ngige Rechts- und Steuerf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23534 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps12492\">636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19936\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23635 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21578\">1.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23636 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23637 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13255\">-147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23639 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps23638\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23641 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23640\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23541 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1714\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23642 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23643 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps16896\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23644 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23645 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23646 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23647 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1462\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Belastende Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23548 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps23003\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23649 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23650 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23651 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23652 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23653 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1488\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23555 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps23654\">229<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23655 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20206\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23656 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20445\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23657 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps15660\">-111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23658 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20533\">-98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23660 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps23659\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23661 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps34\">155<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23561 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-1dbd4d87 ps2053\">1.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps23662\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23664 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps3113\">1.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23666 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps23665\">-140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23667 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps11485\">-452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23668 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19689\">-83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23669 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps23369\">2.720<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"8\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1338\"><div><div class=\"ps5906 ss1337\"><span class=\"f charStyle-2babd150 ps30\">1 R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken nach IFRS 9 sind nicht enthalten und werden aufgrund der granulareren Darstellung nach Stages unter Punkt (30) Kreditzusagen, Finanzgarantien und <span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss1337\"><span class=\"f charStyle-2babd150 ps30\">sonstige Zusagen dargestellt.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verpflichtungen f\u00fcr Pensionen und aus anderen Leistungen nach Beendigung des <span id=\"iee66a48231f9420a95197b7cd2e0b9e2\"></span></span></div><div class=\"ps23671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Arbeitsverh\u00e4ltnisses</span></div><div class=\"ps23672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">S\u00e4mtliche leistungsorientierten Sozialkapitalr\u00fcckstellungen (R\u00fcckstellungen f\u00fcr Pensionen, Abfertigungsverpflichtungen, </span></div><div class=\"ps23673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geburtstags- und Jubil\u00e4umsgelder) werden gem\u00e4\u00df IAS 19 Employee Benefits nach dem Anwartschaftsbarwertverfahren </span></div><div class=\"ps23674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Projected Unit Credit Method) ermittelt. Als biometrische Rechnungsgrundlagen werden f\u00fcr alle Sozialkapitalr\u00fcckstellungen der <span class=\"f ps24\"> </span></span></div><div class=\"ps23675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten die AV\u00d6 2018-P-Rechnungsgrundlagen f\u00fcr die Pensionsversicherung in der Auspr\u00e4gung f\u00fcr </span></div><div class=\"ps23676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Angestellte herangezogen. In anderen L\u00e4ndern werden vergleichbare aktuarische Berechnungsgrundlagen verwendet. Folgende </span></div><div class=\"ps23679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Personalr\u00fcckstellungen wurden im Gesch\u00e4ftsjahr </span><span class=\"f charStyle-9eccfdcb ps23677\">2025</span><span class=\"f charStyle-9eccfdcb ps23678\"> erfasst:</span></div><div class=\"ps23680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Leistungsorientierte Pensionspl\u00e4ne in \u00d6sterreich und in anderen L\u00e4ndern </span></div><div class=\"ps23681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Andere Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses in \u00d6sterreich und anderen L\u00e4ndern </span></div><div class=\"ps23682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese leistungsorientierten Pensionspl\u00e4ne und sonstigen Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses setzen den </span></div><div class=\"ps23683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern versicherungstechnischen Risiken wie dem Langlebigkeitsrisiko, dem W\u00e4hrungsrisiko, dem Zinsrisiko und dem </span></div><div class=\"ps23684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko (Investitionsrisiko) aus.</span></div><div class=\"ps23685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Verbindlichkeit und der entsprechende Aufwand werden f\u00fcr Leistungen aus Anlass der Beendigung des </span></div><div class=\"ps23686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Arbeitsverh\u00e4ltnisses erfasst, wenn die RBI das Angebot f\u00fcr diese Leistungen nicht mehr zur\u00fcckziehen kann. Werden die </span></div><div class=\"ps23687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen voraussichtlich nicht innerhalb von 12 Monaten nach Ende der Berichtsperiode vollst\u00e4ndig abgegolten, werden diese </span></div><div class=\"ps23688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgezinst.</span></div><div class=\"ps23689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Finanzierung<span id=\"ib27de22fb65445c49557b82930cb5f6b\"></span></span></div><div class=\"ps23690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei den Pensionen bestehen unterschiedliche Pl\u00e4ne: nicht \u00fcber einen Fonds finanzierte, teilweise \u00fcber einen Fonds finanzierte </span></div><div class=\"ps23691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und zur G\u00e4nze \u00fcber einen Fonds finanzierte. Die teilweise und die zur G\u00e4nze \u00fcber einen Fonds finanzierten Pensionspl\u00e4ne der </span></div><div class=\"ps23692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten werden durchwegs \u00fcber die Valida Pension AG veranlagt. Die Valida Pension AG ist eine </span></div><div class=\"ps23693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionskasse und unterliegt im Besonderen den Bestimmungen des Pensionskassengesetzes und des </span></div><div class=\"ps23694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betriebspensionsgesetzes.</span></div><div class=\"ps22215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern erwartet f\u00fcr das folgende Gesch\u00e4ftsjahr eine Beitragszahlung zu den leistungsorientierten Pl\u00e4nen in H\u00f6he von </span></div><div class=\"ps22216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">462</span><span class=\"f charStyle-9eccfdcb ps23695\"> Tausend.</span></div><div class=\"ps23696 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Pensionsverpflichtungen/leistungsorientierte Pl\u00e4ne<span id=\"ic9966c721e6b46efa16cd72777fefd95\"></span></span></div><div class=\"ps23697 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Finanzierungsstatus<span id=\"i362df55f21644764a705985d2dea266f\"></span></span></div><div class=\"ps23698 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Barwert der Verpflichtungen (DBO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20843\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">128<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zeitwert des Planverm\u00f6gens<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19280\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20148\">-37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoschulden/Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1115\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Leistungsorientierte Verpflichtungen<span id=\"i1ab22d99401043deaebfa57f68c372a4\"></span></span></div><div class=\"ps3331 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19279\">147<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20360\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsdifferenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufender Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verlust/Gewinn aus nachzuverrechnendem Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Netto\u00fcbertragungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Neubewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21993\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19271\">128<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23699 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter \u00c4nderung Konsolidierungskreis wurde im Vorjahr die Entkonsolidierung der belarussischen Konzerneinheiten ausgewiesen. </span></div><div class=\"ps23700 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Planverm\u00f6gen<span id=\"i8e3ae1d8e83c484a97c8dac241755b2f\"></span></span></div><div class=\"ps23702 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Planverm\u00f6gen 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20870\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20870\">37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Beitr\u00e4ge zum Planverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungen aus dem Planverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Netto\u00fcbertragungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus dem Planverm\u00f6gen exkl. Zinsertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Planverm\u00f6gen 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23701\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20870\">37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rendite auf das Planverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Marktwert aller bilanzierten R\u00fcckerstattungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Struktur des Planverm\u00f6gens<span id=\"i42079a8886284658bc42eed80c22a40e\"></span></span></div><div class=\"ps23710 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:53.91pt\"></span></span><span class=\"ps20872\">28<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:53.81pt\"></span></span><span class=\"ps23704\">35<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:53.81pt\"></span></span><span class=\"ps23704\">35<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:54.67pt\"></span></span><span class=\"ps23705\">31<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Alternative Investment-Instrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:56.9pt\"></span></span><span class=\"ps23706\">9<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:56.95pt\"></span></span><span class=\"ps23707\">5<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:56.9pt\"></span></span><span class=\"ps23706\">6<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:56.95pt\"></span></span><span class=\"ps23707\">5<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Bargeld<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:54.13pt\"></span></span><span class=\"ps23708\">22<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:54pt\"></span></span><span class=\"ps13404\">25<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.92pt\"></span></span><span class=\"ps23709\">100<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.92pt\"></span></span><span class=\"ps23709\">100<span style=\"display:inline-block;height:4.56pt;width:1.84pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Asset-Liability Matching<span id=\"i479677cbc36d4918af0e72f345ad9629\"></span></span></div><div class=\"ps23712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Valida Pension AG ist ein Asset-/Risikomanagement-Prozess (ARM-Prozess) installiert. Gem\u00e4\u00df diesem Prozess wird einmal </span></div><div class=\"ps23713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Jahr ausgehend von der passivseitigen Struktur der Veranlagungs- und Risikogemeinschaften (VRG), die sich wiederum aus </span></div><div class=\"ps23714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Bilanz ergibt, die Risikotragf\u00e4higkeit jeder VRG evaluiert. Von dieser Risikotragf\u00e4higkeit wird die Veranlagungsstruktur der <span class=\"f ps24\"> </span></span></div><div class=\"ps23715 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">VRG abgeleitet. Bei der Definition der Veranlagungsstruktur werden auch definierte und dokumentierte W\u00fcnsche der <span class=\"f ps24\"> </span></span></div><div class=\"ps23716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kund:innen ber\u00fccksichtigt. </span></div><div class=\"ps23717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die definierte Veranlagungsstruktur wird in VRG 60 und VRG 7, in denen die r\u00fcckgestellten Betr\u00e4ge der RBI veranlagt werden, </span></div><div class=\"ps23718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit einem Konzeptinvestment umgesetzt. Dies bedeutet, dass die Gewichtung von vordefinierten Asset-Klassen im Rahmen </span></div><div class=\"ps23719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Bandbreiten nach objektiven Kriterien erfolgt, die sich aus Markttrends ableiten lassen. In Stressphasen wird zudem eine </span></div><div class=\"ps23720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung der Aktienkomponente vorgenommen.</span></div><div class=\"ps23721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Versicherungsmathematische Annahmen<span id=\"i79dfed0399784002900be3a51ce20fa8\"></span></span></div><div class=\"ps23722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die der Berechnung der leistungsorientierten Nettoverpflichtung zugrunde gelegten, langfristigen </span></div><div class=\"ps23723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versicherungsmathematischen Annahmen:</span></div><div class=\"ps23727 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23724\">3,5-6,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23725\">3,0-6,0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Steigerungssatz f\u00fcr Pensionsbemessungsgrundlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">0,5-4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23726\">0,5-3,1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Steigerungssatz f\u00fcr k\u00fcnftige Pensionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">0,5-4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23726\">0,5-3,1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die versicherungsmathematische Berechnung der Pensionsverpflichtungen in der Konzernzentrale wird f\u00fcr aktive </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstnehmer ein Rechnungszinssatz von 4,05 Prozent (Vorjahr: 3,28 Prozent) sowie eine pensionswirksame Gehaltssteigerung </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von 3,0 Prozent im ersten Jahr, 2,1 Prozent im zweiten Jahr sowie 2,3 Prozent in den Folgejahren (Vorjahr: 4,1 Prozent im ersten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr, 3,2 Prozent im zweiten Jahr sowie 3,1 Prozent in den Folgejahren) zugrunde gelegt.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die der Berechnung der leistungsorientierten Nettoverpflichtung zugrunde gelegte Lebenserwartung:</span></div><div class=\"ps23732 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren \u2013 M\u00e4nner<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.89pt\"></span></span><span class=\"ps23729\">23,8<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.93pt\"></span></span><span class=\"ps18476\">23,6<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren \u2013 Frauen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.12pt\"></span></span><span class=\"ps19979\">26,2<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.93pt\"></span></span><span class=\"ps18476\">26,3<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren f\u00fcr 45-j\u00e4hrige M\u00e4nner<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.8pt\"></span></span><span class=\"ps20202\">26,4<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.85pt\"></span></span><span class=\"ps23730\">26,1<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Lebenserwartung im Alter von 65 Jahren f\u00fcr 45-j\u00e4hrige Frauen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.9pt\"></span></span><span class=\"ps20216\">28,6<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.95pt\"></span></span><span class=\"ps23731\">28,5<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gewichtete Duration der Nettopensionsverpflichtung betrug </span><span class=\"f charStyle-9eccfdcb ps23733\">8,6</span><span class=\"f charStyle-9eccfdcb ps23734\"> Jahre (Vorjahr: </span><span class=\"f charStyle-9eccfdcb ps23735\">10,2</span><span class=\"f charStyle-9eccfdcb ps23736\"> Jahre).</span></div><div class=\"ps23738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Sensitivit\u00e4tsanalyse<span id=\"i20bc33400e5e4e93b653f9e11765a652\"></span></span></div><div class=\"ps23739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tritt bei einer der relevanten versicherungsmathematischen Annahme eine \u00c4nderung ein, w\u00e4hrend die anderen Annahmen </span></div><div class=\"ps23740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konstant bleiben, w\u00fcrden sich die Vorsorgeverpflichtungen f\u00fcr \u00f6sterreichische Konzerneinheiten zum Bilanzstichtag wie folgt </span></div><div class=\"ps23741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ver\u00e4ndern:</span></div><div class=\"ps23750 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps22231\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps23742\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23743\">Zunahme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10825\">Abnahme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23743\">Zunahme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10825\">Abnahme<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz (1 Prozentpunkt Ver\u00e4nderung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23745\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00fcnftige Gehaltssteigerung (0,5 Prozentpunkt Ver\u00e4nderung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18481\">-0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18481\">-0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00fcnftige Pensionssteigung (0,25 Prozentpunkt Ver\u00e4nderung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Verbleibende Lebenserwartung (Ver\u00e4nderung 1 Jahr)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20141\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verpflichtungen aus anderen Leistungen anl\u00e4sslich der Beendigung des <span id=\"i7e7a57a22540400ca6cc7c4143e68b42\"></span></span></div><div class=\"ps23752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Arbeitsverh\u00e4ltnisses</span></div><div class=\"ps23753 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1115\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20555\">72<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufender Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verlust/Gewinn aus nachzuverrechnendem Dienstzeitaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbertragungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Neubewertungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Barwert der Verpflichtungen 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22042\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1115\">77<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Versicherungsmathematische Annahmen<span id=\"id0f938ebb9424a3b979a5017e36c0467\"></span></span></div><div class=\"ps23756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die der Berechnung von anderen Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses zugrunde gelegten, </span></div><div class=\"ps23757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">langfristigen versicherungsmathematischen Annahmen:</span></div><div class=\"ps23760 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23758\">3,5-4,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17467\">3,0-3,4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">K\u00fcnftige Gehaltssteigerung f\u00fcr Dienstnehmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">0,5-4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23759\">0,5-5,0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Personalaufwand<span id=\"i1fd8a6431da548acb7025b78dad87434\"></span></span></div><div class=\"ps23762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Detailangaben zum Personalaufwand (Aufwendungen f\u00fcr leistungsorientierte Pensionspl\u00e4ne, Aufwendungen f\u00fcr andere </span></div><div class=\"ps23765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen aus Anlass der Beendigung des Arbeitsverh\u00e4ltnisses) sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps23763\">(7) Verwaltungsaufwendungen</span><span class=\"f charStyle-9eccfdcb ps23764\"> dargestellt.</span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(30) Kreditzusagen, Finanzgarantien und sonstige Zusagen<span id=\"i48904840966d4b48b4329c41dc0365f5\"></span></span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzgarantien<span id=\"i0ae490231c5941c9ad39c5078b8b32fe\"></span></span></div><div class=\"ps19821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gem\u00e4\u00df IFRS 9 handelt es sich bei einer Finanzgarantie um einen Vertrag, der Garantiegeber:innen zur Leistung bestimmter </span></div><div class=\"ps19822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen verpflichtet, wenn diese Zahlung den Garantienehmer:innen f\u00fcr einen Verlust entsch\u00e4digt, der ihm durch die nicht </span></div><div class=\"ps19823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fristgem\u00e4\u00dfe Erf\u00fcllung von Zahlungsverpflichtungen eines Schuldners gem\u00e4\u00df den geltenden Bedingungen eines Schuld-</span></div><div class=\"ps19824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">instruments entsteht. Die Bewertung einer Finanzgarantie, die erstmals zum Erfassungszeitpunkt vorgenommen wird, ist bei </span></div><div class=\"ps19825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragsabschluss unter marktgerechten Bedingungen ident mit der Pr\u00e4mie. Im Gegensatz zu der Darstellung der Wertminde-</span></div><div class=\"ps19826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rungen von finanziellen Verm\u00f6genswerten werden erwartete Kreditausf\u00e4lle als R\u00fcckstellung auf der Passivseite ausgewiesen.</span></div><div class=\"ps24334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eventualverbindlichkeiten und andere au\u00dferbilanzielle Verpflichtungen<span id=\"i8027c444efdc4b7c84bde55a714b7368\"></span></span></div><div class=\"ps24335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hierbei handelt es sich im Wesentlichen um Eventualverbindlichkeiten aus nicht ausgen\u00fctzten Kreditzusagen. Als Kreditzusagen </span></div><div class=\"ps24336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind Verpflichtungen auszuweisen, aus denen ein Kreditrisiko entstehen kann. Dazu geh\u00f6ren Verpflichtungen, Darlehen zu </span></div><div class=\"ps24337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hren, Wertpapiere zu kaufen oder Garantien und Akzepte bereitzustellen. Die Risikovorsorge f\u00fcr Kreditzusagen wird als </span></div><div class=\"ps24338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellung f\u00fcr Risiken aus dem Kreditgesch\u00e4ft gezeigt. H\u00e4ufig werden Kreditzusagen nur teilweise in Anspruch genommen </span></div><div class=\"ps24339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und bestehen somit aus einer ausgen\u00fctzten und aus einer nicht ausgen\u00fctzten Zusage. Wenn die getrennte Identifikation der </span></div><div class=\"ps13878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Kreditausf\u00e4lle, die auf eine in Anspruch genommene und auf eine nicht in Anspruch genommene Zusage entfallen, </span></div><div class=\"ps13879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht m\u00f6glich ist, werden diese gem\u00e4\u00df IFRS 7 zusammen mit den Wertminderungen f\u00fcr den finanziellen Verm\u00f6genswert </span></div><div class=\"ps24340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Wenn die zusammengenommenen erwarteten Kreditausf\u00e4lle den Bruttobuchwert des finanziellen Verm\u00f6genswerts </span></div><div class=\"ps24341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbersteigen, werden diese als R\u00fcckstellung ausgewiesen. Wesentliche Eventualverbindlichkeiten aus Rechtsstreitigkeiten </span></div><div class=\"ps24344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter Punkt </span><span class=\"f charStyle-9eccfdcb ps24342\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps24343\"> dargestellt.</span></div><div class=\"ps24347 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Kreditzusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20223\">42.664<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24345\">37.635<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20224\">10.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17386\">9.243<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18460\">5.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24346\">5.567<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20448\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18468\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20730\">-219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20715\">-182<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zu den dargestellten R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9 wurden R\u00fcckstellungen f\u00fcr sonstige </span></div><div class=\"ps24349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erteilte Zusagen gem\u00e4\u00df IAS 37 unter einer Million gebildet (Vorjahr: \u20ac 1 Million). </span></div><div class=\"ps22484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nominalwert und R\u00fcckstellungen f\u00fcr die au\u00dferbilanziellen Verbindlichkeiten aus Zusagen und Finanzgarantien nach IFRS 9 nach </span></div><div class=\"ps22485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien und Stages \u2013 in \u00dcbereinstimmung mit \u00a7 51 Abs 13 BWG:</span></div><div class=\"ps24399 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1224\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps19457\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1362\"><div><div class=\"ps3168 ss1361\"><span class=\"f charStyle-1dbd4d87 ps3832\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1361\"><span class=\"f charStyle-1dbd4d87 ps11329\">Risiken gem\u00e4\u00df IFRS 9</span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10336 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps10501\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24351 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3821 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24354 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13075 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24042 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24355 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24356 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24357 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24358 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24359 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24360 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3893 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24047 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24361 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24362 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24363 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24364 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13255\">535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10115\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24365 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16888 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24366 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24367 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6742\"></span><span class=\"ps6742\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24368 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11035\"></span><span class=\"ps11035\">95,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9711\">2.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10775\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24111 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24369 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24370 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24371 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13342\">7.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10762\">531<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24372 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10357\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9440\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24115 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10359\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24374 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24375 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9714\"></span><span class=\"ps9714\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24376 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6738\">34.466<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21202\">4.888<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24377 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps12707\">128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1583\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24379 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10980\">-86<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps17893\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24380 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24381 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5973\"></span><span class=\"ps5973\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24382 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17301\"></span><span class=\"ps17301\">28,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps7898\">6.959<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24383 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps11398\">887<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24384 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps196\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps18706\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24386 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21235\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24387 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps20479\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24388 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24389 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9306\"></span><span class=\"ps9306\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24390 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1997\"></span><span class=\"ps1997\">69,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21491 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps1212\">51.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24391 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps3072\">6.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24392 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9587\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24393 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps5983\">-72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24394 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9070\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24395 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps7180\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24396 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21214\"></span><span class=\"ps21214\">0,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24397 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps6331\"></span><span class=\"ps6331\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24398 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1850\"></span><span class=\"ps1850\">33,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24404 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1224\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps19457\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1362\"><div><div class=\"ps3168 ss1361\"><span class=\"f charStyle-1dbd4d87 ps3832\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1361\"><span class=\"f charStyle-1dbd4d87 ps11329\">Risiken gem\u00e4\u00df IFRS 9</span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10336 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps10501\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24351 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3821 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24354 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13075 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24042 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24355 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24356 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24357 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24358 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24359 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24360 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3893 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24047 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24361 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24362 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24363 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24364 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21409\">475<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21581\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24365 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6981\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16888 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps477\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24366 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24367 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7040\"></span><span class=\"ps7040\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24368 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7005\"></span><span class=\"ps7005\">5,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10297\">2.112<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24400\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24111 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24369 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24370 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24371 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps8409\">6.366<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13123\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24372 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13409\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24401\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24115 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24401\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24374 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24375 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7182\"></span><span class=\"ps7182\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24376 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13524\">32.640<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10666\">3.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24377 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps3817\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1583\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24379 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6818\">-46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps303\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24380 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24381 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12492\"></span><span class=\"ps12492\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24382 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9273\"></span><span class=\"ps9273\">24,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9719\">5.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24383 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24402\">813<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24384 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1450\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21188\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24386 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24403\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24387 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps16866\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24388 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24389 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7182\"></span><span class=\"ps7182\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24390 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10647\"></span><span class=\"ps10647\">71,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21491 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps3069\">47.099<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24391 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9253\">5.130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24392 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps17991\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24393 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps303\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24394 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps13206\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24395 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps13206\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24396 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21214\"></span><span class=\"ps21214\">0,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24397 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13257\"></span><span class=\"ps13257\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24398 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps24187\"></span><span class=\"ps24187\">26,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entwicklung der R\u00fcckstellungen auf erteilte Kreditzusagen, Finanzgarantien und <span id=\"iaf6ab94bc3ba487f8b587fc05cb235dd\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">sonstige Zusagen:</span></div><div class=\"ps5281 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20670\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9449\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps20654\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24421\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24423\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps9585\">100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps20709\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps22066\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24427\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17890\">-60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23258\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24430\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24432\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps1079\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24450\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24452\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9399\">219<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24461 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24455\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24456\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps13371\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18524\">204<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24320\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24423\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps9349\">96<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps21497\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24457\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-375ad3a6 ps24458\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps9396\">-59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24317\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24459\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24421\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19611\">-62<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24253\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24460\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20333\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24257\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24460\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21324\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20670\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9449\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24462 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nominalwerte der au\u00dferbilanziellen Verpflichtungen nach Rating-Kategorien und <span id=\"id81acc2a8c404585ab07548cb6edbb88\"></span></span></div><div class=\"ps24463 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stages:</span></div><div class=\"ps24474 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps3168 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18450\">837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24464\">218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17670\">1.055<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20081\">17.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24125\">1.167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12636\">18.792<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps17418\">25.035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20206\">2.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19422\">27.384<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22115\">7.083<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps22339\">9.315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18394\">397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20557\">325<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10482\">722<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24465\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19985\">683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1079\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18039\">889<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20030\">51.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18476\">6.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24466\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps118\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24467\">-72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24468\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17793\">-219<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert nach R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24470 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24469\">51.589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24471 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps22024\">6.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24472 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24473 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1716\">58.088<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24484 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps3168 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18427\">862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24475\">244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps3144\">1.106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19963\">17.492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20557\">873<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19579\">18.365<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18501\">21.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20349\">1.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps13037\">23.410<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24476\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20610\">1.659<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24477\">6.572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24478\">109<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24479\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">375<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17885\">214<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps21445\">2.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19541\">2.402<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20223\">47.099<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24480\">5.130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24481\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps12734\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19277\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24482\">-182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert nach R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24470 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17468\">47.030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24471 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20142\">5.074<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24472 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24483\">159<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24473 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps289\">52.263<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kategorie nicht geratet beinhaltet au\u00dferbilanzielle Verpflichtungen f\u00fcr einige Privatkund:innen, f\u00fcr die keine Ratings </span></div><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgbar sind und deren Einstufung daher auf qualitativen Faktoren basiert</span><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(45) Offene Rechtsf\u00e4lle<span id=\"i4d346b82ed764889bbf7474597edeaad_1319\"></span><span id=\"i23d09f5a71524f22999efa874cffb125\"></span></span></div><div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist an diversen Gerichts-, Beh\u00f6rden- oder Schiedsverfahren vor verschiedenen Gerichten und Beh\u00f6rden beteiligt, die sich </span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Regel aus der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit in vertraglichen, arbeitsrechtlichen und anderen Angelegenheiten </span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ergeben.</span></div><div class=\"ps27593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine R\u00fcckstellung wird nur dann gebildet, wenn eine gegenw\u00e4rtige rechtliche oder faktische Verpflichtung aufgrund eines </span></div><div class=\"ps27594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vergangenen Ereignisses entstanden ist, die Zahlung wahrscheinlich ist und der Betrag zuverl\u00e4ssig gesch\u00e4tzt werden kann. Eine </span></div><div class=\"ps27595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eventualverbindlichkeit, die aufgrund eines vergangenen Ereignisses entstanden ist, wird offengelegt, es sei denn die </span></div><div class=\"ps27596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen sind h\u00f6chst unwahrscheinlich. Eine Eventualforderung aufgrund eines vergangenen Ereignisses wird ausgewiesen, </span></div><div class=\"ps13872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn eine hohe Eintrittswahrscheinlichkeit gegeben ist. In der nachfolgenden Beschreibung wird in jenen F\u00e4llen kein Betrag <span class=\"f ps24\"> </span></span></div><div class=\"ps13873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">genannt, in denen in \u00dcbereinstimmung mit IAS 37, dies schwerwiegend nachteilig w\u00e4re. Die Berechnung der R\u00fcckstellung findet </span></div><div class=\"ps13874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in bestimmten F\u00e4llen auf einer Portfoliobasis statt, weil die Sch\u00e4tzung der Verpflichtung damit eine h\u00f6here Verl\u00e4sslichkeit </span></div><div class=\"ps13875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufweist. Die RBI hat ihre R\u00fcckstellungen, Eventualforderungen und -verbindlichkeiten in die Gruppen Konsumentenschutz, </span></div><div class=\"ps27597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bankgesch\u00e4fte, Durchsetzung durch Regulierungsbeh\u00f6rden und Steuerf\u00e4lle eingeteilt.</span></div><div class=\"ps27598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Rasperia<span id=\"i7b17e444151849beaf5acc2b6821a9a4\"></span></span></div><div class=\"ps20748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im August 2024 reichte das russische Unternehmen Rasperia Trading Limited (Rasperia) eine Klage gegen die \u00f6sterreichische </span></div><div class=\"ps20749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft STRABAG SE (STRABAG) und mehrere Gro\u00dfaktion\u00e4re der STRABAG (STRABAG-Aktion\u00e4re) sowie gegen die russische </span></div><div class=\"ps20750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaft der RBI, AO Raiffeisenbank, beim russischen Gericht der Region Kaliningrad ein. Rasperia, die 28.500.000 </span></div><div class=\"ps20751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Stammaktien und eine Namensaktie h\u00e4lt, behauptet, dass ihr Aktion\u00e4rsrechte entzogen worden seien. Insbesondere </span></div><div class=\"ps20752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">d\u00fcrfe sie nicht an Hauptversammlungen teilnehmen oder Mitglieder des Aufsichtsrats der STRABAG ernennen, ihr seien f\u00fcr die </span></div><div class=\"ps20753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vergangenen Jahre keine Dividenden gezahlt worden, und der Anteil von Rasperia an STRABAG wurde 2023 ohne ihre </span></div><div class=\"ps20754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zustimmung und ohne Abfindung verw\u00e4ssert worden. Nach Angaben von Rasperia sind durch den Verlust s\u00e4mtlicher </span></div><div class=\"ps20755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktion\u00e4rsrechte Verluste in H\u00f6he von rund \u20ac 1,983 Milliarden entstanden, die sich aus dem Marktwert von Rasperias Anteil an </span></div><div class=\"ps27599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG sowie aus nicht gezahlten Dividenden und aus Zinsen auf beide Betr\u00e4ge zusammensetzen.</span></div><div class=\"ps20760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die AO Raiffeisenbank wird in der Klage als mit den anderen Beklagten in Verbindung stehend erw\u00e4hnt, ihr wird jedoch kein </span></div><div class=\"ps20761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenes Fehlverhalten vorgeworfen. Die RBI AG ist an diesem Verfahren nicht beteiligt.</span></div><div class=\"ps27600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia hat die Anspr\u00fcche gegen STRABAG und die STRABAG-Aktion\u00e4re von den Anspr\u00fcchen gegen die AO Raiffeisenbank </span></div><div class=\"ps27601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getrennt:</span></div><div class=\"ps27602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(i) Der Anspruch gegen STRABAG und die STRABAG-Aktion\u00e4re lautet auf Schadenersatz in H\u00f6he von circa \u20ac 1,983 Milliarden </span></div><div class=\"ps27603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuz\u00fcglich Zinsen bis zur Urteilsvollstreckung (geforderter Betrag).</span></div><div class=\"ps27604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(ii) Die Klage gegen die AO Raiffeisenbank soll die Vollstreckung des unter Punkt (i) genannten Urteils in Russland sicherstellen </span></div><div class=\"ps27605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und umfasst daher die Zwangsvollstreckung in die Barmittel der AO Raiffeisenbank (insbesondere hinsichtlich ihrer nicht </span></div><div class=\"ps27606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesch\u00fctteten Gewinne) zur Abgeltung des Rasperia zuerkannten Betrags und im Gegenzug die Anerkennung des Eigentums </span></div><div class=\"ps27607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der AO Raiffeisenbank an den von Rasperia gehaltenen 28.500.000 STRABAG-Stammaktien und einer Namensaktie ab dem Tag </span></div><div class=\"ps27608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Vollstreckung des Urteils gegen die AO Raiffeisenbank.</span></div><div class=\"ps27609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der vorbereitenden Tagsatzung am 16. Oktober 2024 wurde der geforderte Betrag von circa \u20ac 1,983 Milliarden auf circa </span></div><div class=\"ps27610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a02,043 Milliarden erh\u00f6ht. </span></div><div class=\"ps27611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 20. J\u00e4nner 2025 hat das russische Gericht in Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass die STRABAG und die </span></div><div class=\"ps27612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Aktion\u00e4re \u20ac 2,044 Milliarden an Rasperia zahlen m\u00fcssen und das Urteil gegen Verm\u00f6genswerte der AO Raiffeisenbank </span></div><div class=\"ps27613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollstreckt werden kann.</span></div><div class=\"ps952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In seinem Urteil ist das russische Gericht auch dem Antrag von Rasperia gefolgt, wonach die Eigentumsrechte an den von </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia gehaltenen Aktien der STRABAG an die AO Raiffeisenbank \u00fcbertragen werden sollen. Russische Urteile haben jedoch in </span></div><div class=\"ps27614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich keine bindende Wirkung, weshalb die \u00dcbertragung der Aktien nicht durchsetzbar ist. Dar\u00fcber hinaus sind die </span></div><div class=\"ps27615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Aktien der Rasperia aufgrund von EU-Sanktionen eingefroren, was ihre \u00dcbertragung derzeit ebenfalls verhindert.</span></div><div class=\"ps27616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 21. Februar legte die AO Raiffeisenbank gegen dieses Urteil Berufung mit aufschiebender Wirkung ein. Am 24. April 2025 </span></div><div class=\"ps27617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">best\u00e4tigte das russische Berufungsgericht in St. Petersburg das erstinstanzliche Urteil des russischen Gerichts der Region </span></div><div class=\"ps27618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaliningrad. Aufgrund der Entscheidung des St. Petersburger Berufungsgerichts muss die AO Raiffeisenbank den vom russischen </span></div><div class=\"ps27619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht der Region Kaliningrad zugesprochenen Schadenersatz von \u20ac 2,044 Milliarden zahlen. Am 25. April 2025 hat die AO </span></div><div class=\"ps27620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank gegen das Urteil des Berufungsgerichts ein weiteres Rechtsmittel bei der n\u00e4chsten russischen Instanz, dem </span></div><div class=\"ps27621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kassationsgericht in St. Petersburg, eingebracht. Dem Rechtsmittel an das Kassationsgericht war auch ein Antrag auf Aufschub </span></div><div class=\"ps27622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Vollstreckung des zweitinstanzlichen Urteils angeschlossen, der allerdings bereits vom Kassationsgericht abgewiesen </span></div><div class=\"ps27623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde. In der Gerichtsverhandlung am 4. August 2025 wies das Kassationsgericht in St. Petersburg die Kassationsbeschwerde </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der AO Raiffeisenbank gegen das Urteil ab. AO Raiffeisenbank hat von der Einlegung eines au\u00dferordentlichen Rechtsmittels </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim Obersten Gerichtshof der Russischen F\u00f6deration abgesehen, um weitere finanzielle Risiken zu minimieren. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 30. April 2025 beantragte Rasperia bei der russischen Zentralbank (CBR) die Vollstreckung des Urteils durch Belastung eines </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzkontos der AO Raiffeisenbank bei der CBR mit dem RUB-\u00c4quivalent von \u20ac 1,870 Milliarden (dies entspricht dem </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia vom russischen Gericht der Region Kaliningrad zugesprochenen Schadenersatz ohne Zinsen von circa \u20ac 174 Millionen). </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Entsprechung dieses Antrags wurde noch am 30. April ein Betrag von RUB 174,221 Milliarden von einem CBR-</span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzkonto der AO Raiffeisenbank von der CBR zugunsten von Rasperia abgezogen bzw. gepf\u00e4ndet. Die Rasperia vom </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Gericht der Region Kaliningrad zugesprochenen Zinsen waren zu diesem Zeitpunkt nicht Gegenstand von Rasperias </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungsantrag an die CBR, sondern Gegenstand eines zweiten Vollstreckungsantrags vom 26. Mai 2025. Infolgedessen </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde am 27. Mai 2025 ein Betrag von circa RUB 21,599 Milliarden (entsprechend circa \u20ac 239 Millionen einschlie\u00dflich inzwischen </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgelaufener Zinsen) von einem CBR-Korrespondenzkonto der AO Raiffeisenbank durch die CBR zugunsten von Rasperia </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgezogen bzw. gepf\u00e4ndet. Dabei hat Rasperia jedoch die Zinsen f\u00fcr den letzten Tag des Zinslaufs nicht vollstreckt. Letztlich </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde durch Rasperia am 15. Juli 2025 mit ihrem dritten Vollstreckungsantrag ein Betrag von circa RUB 36,7 Millionen (dies </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entspricht circa \u20ac 400.000), der dem noch ausstehenden Zinsenbetrag entspricht, von einem CBR-Korrespondenzkonto der AO </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank durch die CBR zugunsten von Rasperia abgezogen bzw. gepf\u00e4ndet.</span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der RBI-Konzern ist auch weiterhin davon \u00fcberzeugt, dass die gerichtliche Geltendmachung der Schadenersatzforderung gegen </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia in \u00d6sterreich und deren Vollstreckung in die \u00f6sterreichischen Verm\u00f6genswerte von Rasperia auf einer starken </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtlichen Grundlage stehen. Die gerichtliche Geltendmachung des Schadenersatzanspruches gegen Rasperia kann dabei in </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">voller \u00dcbereinstimmung mit dem EU-Sanktionsrecht erfolgen, um Sch\u00e4den zu mindern, indem sie die Vollstreckung gegen die </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte von Rasperia in \u00d6sterreich anstrebt. Die rechtlichen Grundlagen f\u00fcr eine solche Klage sind unter anderem in <span class=\"f ps24\"> </span></span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den EU-Sanktionen (Artikel 11a der Verordnung (EU) Nr. 269/2014 und Artikel 11b der Verordnung (EU) Nr. 833/2014) verankert, die </span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">speziell auf F\u00e4lle wie eine solche Klage gegen Rasperia abzielen. Dementsprechend wird ein positives Ergebnis einer solchen </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klage unver\u00e4ndert als sehr wahrscheinlich angesehen. </span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 12. August 2025 wurde der AO Raiffeisenbank eine weitere Klage von Rasperia gegen STRABAG und die STRABAG-Aktion\u00e4re </span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie die AO Raiffeisenbank zugestellt, die beim Schiedsgericht der Region Kaliningrad eingereicht worden war. Rasperia </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verlangt von STRABAG und den STRABAG-Aktion\u00e4ren den Rubel-Gegenwert von circa \u20ac 339 Millionen, der unter anderem </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadenersatz f\u00fcr den Nichterhalt der finanziellen Entsch\u00e4digung im Zusammenhang mit der im Jahr 2024 durchgef\u00fchrten </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Herabsetzung des genehmigten Kapitals von STRABAG sowie f\u00fcr nicht ausgezahlte Dividenden von STRABAG f\u00fcr 2024 und </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen auf diese Betr\u00e4ge umfasst, die bis zum Tag der vollst\u00e4ndigen Zahlung weiter anfallen werden. Rasperia hat AO </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank auch in diese Klage aufgenommen, um die vollst\u00e4ndige Vollstreckung des Urteils in die Verm\u00f6genswerte der AO </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank in Russland sicherzustellen. Die RBI AG ist an diesem Verfahren nicht beteiligt. Das Schiedsgericht der Region </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaliningrad hat die Hauptverhandlung f\u00fcr den 20. November 2025 anberaumt. Am 18. Dezember 2025 hat das Schiedsgericht </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Region Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass STRABAG und die STRABAG-Aktion\u00e4re verpflichtet sind, an </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia \u20ac 339 Millionen zu zahlen, und dass das Urteil in die Verm\u00f6genswerte von AO Raiffeisenbank vollstreckt werden kann. </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AO Raiffeisenbank hat gegen dieses Urteil Berufung mit aufschiebender Wirkung eingelegt. AO Raiffeisenbank hat im Dezember </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebucht.</span></div><div class=\"ps2440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Antrag auf Erlassung einer Unterlassungsverf\u00fcgung (Anti-Suit-Injunction)</span></div><div class=\"ps27624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 9. Juni 2025 hat Rasperia einen Antrag auf Erlass einer Unterlassungsverf\u00fcgung (Anti-Suit Injunction; ASI) beim russischen </span></div><div class=\"ps27625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht der Region Kaliningrad eingereicht, der sich gegen die STRABAG-Aktion\u00e4re und die AO Raiffeisenbank richtet. Laut dem </span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ASI-Antrag beantragt Rasperia (A) die Fortsetzung des in Amsterdam eingeleiteten Schiedsverfahrens der STRABAG- Aktion\u00e4re </span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen Rasperia (Amsterdam Arbitration) und (B) die Einreichung von Schadenersatzklagen vor ausl\u00e4ndischen Gerichten, die sich </span></div><div class=\"ps2446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf das Kaliningrader Verfahren beziehen, das zum russischen Urteil vom 20. J\u00e4nner 2025 f\u00fchrte, zu untersagen. Rasperia </span></div><div class=\"ps2447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beantragt die gerichtliche Strafe in H\u00f6he des RUB-\u00c4quivalents von \u20ac 1,09 Milliarden gegen die AO Raiffeisenbank zu </span></div><div class=\"ps2448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollstrecken, f\u00fcr den Fall, dass einer ASI in Bezug auf das Amsterdam Arbitration nicht entsprochen wird (siehe Punkt (A) oben) </span></div><div class=\"ps2449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und in diesem Zusammenhang behauptet, dass die AO Raiffeisenbank von einem der STRABAG-Aktion\u00e4re kontrolliert wird. Am </span></div><div class=\"ps2450 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2. Juli 2025 erg\u00e4nzte Rasperia ihren ASI-Antrag, um die RBI als Beklagte aufzunehmen, und strebt an, der RBI zu untersagen, </span></div><div class=\"ps2451 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausl\u00e4ndische Verfahren wegen Schadenersatzforderungen im Zusammenhang mit den Kaliningrader Verfahren einzuleiten </span></div><div class=\"ps2452 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(siehe Punkt (B) oben). Im Juli und September 2025 haben alle STRABAG-Aktion\u00e4re das Amsterdamer Schiedsverfahren </span></div><div class=\"ps2453 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingestellt und ihre Anspr\u00fcche unwiderruflich zur\u00fcckgezogen. Im Gegenzug und zur Vorbereitung auf die m\u00fcndliche </span></div><div class=\"ps2454 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhandlung am 13. Oktober 2025 zog Rasperia ihren ASI-Antrag im Zusammenhang mit dem Amsterdamer Schiedsverfahren </span></div><div class=\"ps2455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und der gerichtlichen Strafe von \u20ac 1,09 Milliarden Euro zur\u00fcck (siehe Punkt (A) oben). Das Schiedsgericht der Region Kaliningrad </span></div><div class=\"ps2456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat den n\u00e4chsten Verhandlungstermin \u00fcber Rasperias verbleibenden (i.e. zweiten) ASI-Antrag (siehe Punkt (B) oben) am 25. </span></div><div class=\"ps27627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Februar 2026 anberaumt.</span></div><div class=\"ps2458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Bewertung rechtlicher Risiken</span></div><div class=\"ps27628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein positives Urteil im \u00f6sterreichischen Zivilverfahren w\u00fcrde wiederum die Vollstreckung gegen Rasperias STRABAG-Aktien </span></div><div class=\"ps27629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie gegen alle damit verbundenen Dividenden oder Zahlungen im Zusammenhang mit Kapitalma\u00dfnahmen erm\u00f6glichen, die </span></div><div class=\"ps27630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund von Sanktionen zur\u00fcckgehalten wurden. Die Erfolgsaussichten in den Verwaltungsverfahren zur Aufhebung der </span></div><div class=\"ps27631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionierung von Rasperias Verm\u00f6genswerten sowie in der gerichtlichen Vollstreckung gegen Rasperias STRABAG Aktien, </span></div><div class=\"ps27632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich zur\u00fcckgehaltener Zahlungen im Zusammenhang mit Kapitalma\u00dfnahmen, werden als sehr wahrscheinlich </span></div><div class=\"ps27633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angesehen.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Obwohl Rechtsstreitigkeiten immer Risiken bergen, wurden in der externen rechtlichen Beurteilung keine wesentlichen </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hindernisse festgestellt, warum die RBI nicht erfolgreich sein sollte. Verbleibende Unsicherheiten im Zusammenhang mit einer in </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich gegen Rasperia eingeleiteten Klage k\u00f6nnten Folgendes umfassen:</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ungetestetes EU-Sanktionsrecht: Der relevante EU-Sanktionsrahmen ist praktisch ungetestet.</span></div><div class=\"ps12402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Verj\u00e4hrung von Dividenden: Es gibt keine Rechtsprechung zu den rechtlichen Konsequenzen der in den Statuten von </span></div><div class=\"ps12403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">STRABAG festgelegten Verj\u00e4hrungsfrist f\u00fcr Dividenden.</span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Aufhebung der Sperre von Rasperias Verm\u00f6genswerten: Im Kontext des EU-Sanktionsrechts bleibt ein geringes Ma\u00df </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">an rechtlicher Unsicherheit bestehen, weil eine Beh\u00f6rde argumentieren k\u00f6nnte, dass sie keine positive Entscheidung </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">treffen sollte, selbst wenn die Anforderungen erf\u00fcllt sind. Dieses Risiko wird jedoch als sehr gering eingesch\u00e4tzt.</span></div><div class=\"ps18985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter dem Gesichtspunkt der US-Sanktionen ist zu beachten, dass die Vereinigten Staaten zwei Hauptkategorien von </span></div><div class=\"ps27634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen haben: \u201ePrim\u00e4re Sanktionen\u201c und \u201eSekund\u00e4re Sanktionen\u201d. Prim\u00e4re Sanktionen betreffen Aktivit\u00e4ten mit US-Bezug, </span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich US-Personen oder Verbindungen zu US-Territorium, und k\u00f6nnen OFAC-Lizenzen f\u00fcr ansonsten verbotene </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionen erfordern. Sekund\u00e4re Sanktionen richten sich gegen Nicht-US-amerikanische Personen und Unternehmen, die </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte Aktivit\u00e4ten mit sanktionierten Parteien durchf\u00fchren. Sie zielen darauf ab, ein solches Verhalten zu unterbinden, ohne </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass ein US-Bezug erforderlich ist, und k\u00f6nnen zu verschiedenen Sanktionen f\u00fchren. Da kein US-Bezug besteht, w\u00fcrde es keine </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prim\u00e4ren Sanktionen f\u00fcr das Urteil in Russland oder die potenzielle Klage gegen Rasperia in \u00d6sterreich geben. Sekund\u00e4re </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen sind hingegen zu ber\u00fccksichtigen, da Rasperia den US-Sanktionen unterliegt. Wie bisher informiert die RBI AG das </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">OFAC und das US-Finanzministerium weiterhin transparent \u00fcber wesentliche Entwicklungen sowohl im russischen </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsverfahren als auch im Regressverfahren in \u00d6sterreich. Dementsprechend wird das potentielle US-Sanktionsrisiko f\u00fcr die </span></div><div class=\"ps27635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG und die AO Raiffeisenbank, das sich aus dem russischen Urteil gegen die AO Raiffeisenbank und aus potenziellen </span></div><div class=\"ps27636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regressklagen der RBI AG/AO Raiffeisenbank in \u00d6sterreich, aber auch f\u00fcr etwaige K\u00e4ufer und involvierte Parteien im Rahmen </span></div><div class=\"ps27637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Exekution des Verm\u00f6gens eines sanktionierten Unternehmens, ergibt, als gering eingesch\u00e4tzt.</span></div><div class=\"ps4205 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Informationen zur Rechnungslegungsmethode und wesentliche bilanzielle Ermessensspielr\u00e4ume</span></div><div class=\"ps27638 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund ge\u00e4nderter Umst\u00e4nde im Zusammenhang mit der Beantragung einer Unterlassungsverf\u00fcgung durch die Rasperia hat </span></div><div class=\"ps27639 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich die Einsch\u00e4tzung des Managements hinsichtlich des erwarteten Mittelzuflusses aus der Vollstreckung der Anspr\u00fcche </span></div><div class=\"ps27640 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber Rasperia ge\u00e4ndert. Die ge\u00e4nderte Einsch\u00e4tzung zum 30. Juni 2025 ber\u00fccksichtigt die Einbeziehung der RBI in den </span></div><div class=\"ps27641 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Antrag von Rasperia auf die oben genannte Unterlassungsverf\u00fcgung (Anti-Suit-Injunction) und der damit verbundenen Risiken </span></div><div class=\"ps27642 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines Verm\u00f6gensabflusses im RBI-Konzern, die Chancen, diese abzuwenden, und die daraus resultierende Verz\u00f6gerung bei der </span></div><div class=\"ps27643 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einreichung der Klage der RBI gegen Rasperia in \u00d6sterreich. Daher kam das Management zu dem Schluss, dass die Kriterien, um </span></div><div class=\"ps27644 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesen Verm\u00f6genswert zu bilanzieren, nach IFRS nicht mehr gegeben waren. </span></div><div class=\"ps2484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 18. Dezember 2025 hat das Schiedsgericht der Region Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass STRABAG und </span></div><div class=\"ps2485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die STRABAG-Aktion\u00e4re verpflichtet sind, an Rasperia \u20ac 339 Millionen zu zahlen, und dass das Urteil gegen die Verm\u00f6genswerte </span></div><div class=\"ps27645 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von AO Raiffeisenbank vollstreckt werden kann. AO Raiffeisenbank hat gegen dieses Urteil Berufung mit aufschiebender </span></div><div class=\"ps27646 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirkung eingelegt. AO Raiffeisenbank hat im Dezember 2025 eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebucht.</span></div><div class=\"ps27647 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Finanzielle Auswirkungen</span></div><div class=\"ps27648 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 wurde der der Rasperia zugesprochene Schadenersatz in H\u00f6he von \u20ac 2.109 Millionen (inklusive Zinsen) </span></div><div class=\"ps27649 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Korrespondenzkonto der AO Raiffeisenbank durch die russische Zentralbank abgezogen bzw. gepf\u00e4ndet und die daf\u00fcr zum </span></div><div class=\"ps27650 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresende 2024 gebildete R\u00fcckstellung in H\u00f6he von \u20ac 840 Millionen verbraucht. Aufgrund der ge\u00e4nderten Einsch\u00e4tzung des </span></div><div class=\"ps27651 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Managements wurden die erwarteten Erl\u00f6se aus der Vollstreckung von Anspr\u00fcchen in die \u00f6sterreichischen Verm\u00f6genswerte </span></div><div class=\"ps27652 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Rasperia in H\u00f6he von \u20ac 1.204 Millionen im Juni 2025 ausgebucht. Trotz der ge\u00e4nderten Bilanzierung bleibt die rechtliche </span></div><div class=\"ps27653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beurteilung der Schadenersatzforderung der RBI unver\u00e4ndert. Das Management ist weiterhin davon \u00fcberzeugt, dass die </span></div><div class=\"ps27654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadenersatzforderung gegen Rasperia in \u00d6sterreich und deren Vollstreckung in die \u00f6sterreichischen Verm\u00f6genswerte von </span></div><div class=\"ps27655 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia auf einer starken rechtlichen Grundlage stehen.</span></div><div class=\"ps27656 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den von Rasperia, von STRABAG und den STRABAG-Aktion\u00e4ren eingeforderten Schadenersatz f\u00fcr den Nichterhalt der </span></div><div class=\"ps27657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Entsch\u00e4digung im Zusammenhang mit der im Jahr 2024 durchgef\u00fchrten Kapitalherabsetzung sowie f\u00fcr nicht </span></div><div class=\"ps27658 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezahlte Dividenden und die darauf bis zur vollst\u00e4ndigen Zahlung anfallenden Zinsen, wurde eine R\u00fcckstellung in H\u00f6he von </span></div><div class=\"ps27659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 339 Millionen gebildet.</span></div><div class=\"ps27660 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Einstweilige Verf\u00fcgung (Tempor\u00e4res \u00dcbertragungsverbot)</span></div><div class=\"ps3553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zusammenhang mit dem oben genannten Gerichtsverfahren von Rasperia gegen, unter anderem, die AO Raiffeisenbank </span></div><div class=\"ps3554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hatte ein russisches Gericht am 5. September 2024 eine einstweilige Verf\u00fcgung erlassen, mit der Aktien an der AO </span></div><div class=\"ps3555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank mit sofortiger Wirkung einem tempor\u00e4ren \u00dcbertragungsverbot unterlagen. Das \u00dcbertragungsverbot zielte </span></div><div class=\"ps3556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darauf ab den Status quo, bis zur Kl\u00e4rung der Anspr\u00fcche von Rasperia, aufrecht zu erhalten. Aufgrund dieser </span></div><div class=\"ps3557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsentscheidung konnte die RBI ihre Anteile an der AO Raiffeisenbank nicht \u00fcbertragen, was die Bem\u00fchungen der RBI, eine </span></div><div class=\"ps3558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mehrheitsbeteiligung an der AO Raiffeisenbank zu verkaufen, erschwerte. Da der Antrag der AO Raiffeisenbank auf Aufhebung </span></div><div class=\"ps27661 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der einstweiligen Verf\u00fcgung abgelehnt wurde, legte die AO Raiffeisenbank am 27. September 2024 ein Rechtsmittel beim </span></div><div class=\"ps27662 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zust\u00e4ndigen Berufungsschiedsgericht in St. Petersburg ein. Am 5. Dezember 2024 best\u00e4tigte das Berufungsschiedsgericht die </span></div><div class=\"ps27663 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einstweilige Verf\u00fcgung. Die AO Raiffeisenbank legte im J\u00e4nner 2025 Berufung beim Kassationsgericht in St. Petersburg ein, die </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am 24. M\u00e4rz 2025 abgewiesen wurde. Es wurde erwartet, dass die Verf\u00fcgungsbeschr\u00e4nkung \u00fcber die Aktien der AO </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank, die zur Sicherung der Zahlung von Schadenersatz an Rasperia auferlegt worden war, nach Zahlung des </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollst\u00e4ndigen Schadenersatzbetrages inklusive Zinsen, wie vom russischen Gericht der Region Kaliningrad der Rasperia </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugesprochen, aufgehoben wird. In Folge des Abzugs des gesamten Betrags der Schadenersatzforderung einschlie\u00dflich der </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen, die Rasperia durch das russische Urteil vom 20. J\u00e4nner 2025 zugesprochen wurden, hat die AO Raiffeisenbank am 23. Juli </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 einen Antrag beim zust\u00e4ndigen russischen Gericht auf Aufhebung des tempor\u00e4ren \u00dcbertragungsverbots gestellt. In der </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsverhandlung am 4. August 2025 gab das Kassationsgericht in St. Petersburg dem Antrag der AO Raiffeisenbank auf </span></div><span class=\"f charStyle-9eccfdcb ps17\">Aufhebung der einstweiligen Verf\u00fcgung statt und hob das \u00dcbertragungsverbot f\u00fcr die Aktien an der AO Raiffeisenbank auf.</span><div class=\"ps27665 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Konsumentenschutz<span id=\"i49c2511f969148488ddf2d13bb066d9a\"></span></span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist mit Klagen von Kund:innen in Zusammenhang mit Themen des Konsumentenschutzes konfrontiert. Die meisten </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen betreffen Vertragsbedingungen, die vermeintlich den Konsumentenschutz oder andere Gesetze verletzen. Das </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtliche Risiko in Verbindung mit diesen Forderungen wird durch die Gefahr von politisch motivierten Gesetzen, welche den </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grad der Unvorhersehbarkeit steigern, erh\u00f6ht.</span></div><div class=\"ps27666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Kroatien<span id=\"id5d24f691af44f95a343e27d5836700e\"></span></span></div><div class=\"ps17016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Kroatien wurden in einem von einer Konsumentenschutzorganisation gegen die Raiffeisenbank Austria, d.d., Zagreb (RBHR) </span></div><div class=\"ps27667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und andere kroatische Banken angestrengten Verfahren zwei Klauseln f\u00fcr nichtig befunden, die in den Jahren zwischen </span></div><div class=\"ps27668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2003/2004 und 2008 in Kreditvertr\u00e4gen mit Konsumenten verwendet wurden. Dabei handelt es sich um eine Zinsanpassungs- </span></div><div class=\"ps27669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und eine CHF-Index-Klausel. Gegen den Entscheid \u00fcber die Zinsanpassungsklausel kann kein Rechtsmittel mehr eingelegt </span></div><div class=\"ps27670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Das Urteil, wonach die CHF-Index-Klauseln unwirksam sind, wurde vom Obersten Gerichtshof des Landes und vom </span></div><div class=\"ps27671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kroatischen Verfassungsgericht best\u00e4tigt. RBHR pr\u00fcft die M\u00f6glichkeit, diese Entscheidung anzufechten und reichte im August </span></div><div class=\"ps27672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2021 einen Antrag beim Europ\u00e4ischen Gerichtshof f\u00fcr Menschenrechte ein. Die Vergabe von CHF-indexierten Darlehen, die nach </span></div><div class=\"ps27673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem kroatischen Umwandlungsgesetz in Euro-indexierte Darlehen konvertiert wurden, war vor dem Gerichtshof der </span></div><div class=\"ps27674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Europ\u00e4ischen Union (EuGH) zur Vorabentscheidung anh\u00e4ngig. Im Mai 2022 ver\u00f6ffentlichte der EuGH eine Vorabentscheidung, </span></div><div class=\"ps27675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber gab, wie auch der kroatische Oberste Gerichtshof in einem Musterverfahren keine Antwort darauf, ob Konsumenten von </span></div><div class=\"ps27676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bereits konvertierten Darlehen einen Anspruch auf zus\u00e4tzliche Entsch\u00e4digungen haben (neben den positiven Effekten, die sich </span></div><div class=\"ps27677 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus der Konvertierung gem\u00e4\u00df den Bestimmungen des kroatischen Konsumentenschutzgesetzes 2015 ergaben). Daher bleibt die <span class=\"f ps24\"> </span></span></div><div class=\"ps27678 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Frage, ob Konsumenten Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung (ungeachtet der Konvertierung) haben, Sache der </span></div><div class=\"ps27679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">innerstaatlichen Gerichte, in erster Linie des kroatischen Obersten Gerichtshofs. Auf Grundlage der bereits zur Unwirksamkeit </span></div><div class=\"ps27680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Zinsanpassungs- und/oder der CHF-Index-Klausel ergangenen Entscheidungen haben Kreditnehmer jedoch bereits jetzt </span></div><div class=\"ps27681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspr\u00fcche gegen die RBHR geltend gemacht. In seiner Sitzung im Dezember 2022 vertrat der kroatische Oberste Gerichtshof die </span></div><div class=\"ps27682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auffassung, dass sich der Anspruch der Verbraucher auf eine zus\u00e4tzliche Entsch\u00e4digung nur auf einen Betrag in H\u00f6he der </span></div><div class=\"ps27683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verzugszinsen auf die bis zur Konvertierung der CHF-indexierten Darlehen in EUR-indexierte Darlehen im Jahr 2015 allf\u00e4llig </span></div><div class=\"ps27684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleisteten \u00dcberzahlungen beschr\u00e4nkt. Im April 2023 teilte der Pr\u00e4sident des Obersten Gerichtshofs der \u00d6ffentlichkeit jedoch </span></div><div class=\"ps27685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit, dass die vertretene Rechtsansicht die Kontrolle durch den Registrar f\u00fcr die Rechtsprechung des Obersten Gerichtshofs </span></div><div class=\"ps27686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht bestanden habe. Der Registrar f\u00fcr die Rechtsprechung des Obersten Gerichtshofs ist befugt, eine Entscheidung </span></div><div class=\"ps27687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">r\u00fcckg\u00e4ngig zu machen, wenn er der Ansicht ist, dass sie nicht dem Gesetz entspricht. Inzwischen (Juli 2024) hat der EuGH in den </span></div><div class=\"ps27688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Rechtssachen C-554/21, C-622/21 und C-727/21 entschieden, dass eine solche Rechtspraxis (dass ein Richter/</span></div><div class=\"ps27689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Registrar f\u00fcr die Rechtsprechung, der nicht am Entscheidungsprozess beteiligt war, eine endg\u00fcltige Entscheidung eines </span></div><div class=\"ps27690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Richters oder Rates des Obersten Gerichtshofs stoppen kann) gegen EU-Recht verst\u00f6\u00dft. Die Harmonisierung des EuGH-</span></div><div class=\"ps27691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteils mit der Rechtsprechung des Obersten Gerichtshofs steht noch aus. Die Frage, ob Verbraucher aus konvertierten CHF-</span></div><div class=\"ps27692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">indexierten Krediten Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung haben, ist noch nicht gekl\u00e4rt. Eine m\u00f6gliche L\u00f6sung (ob </span></div><div class=\"ps27693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucher Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung haben oder nicht) wird voraussichtlich in den Einzelentscheidungen </span></div><div class=\"ps27694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kroatischen Obersten Gerichtshofs enthalten sein. Nur derartige Einzelentscheidungen k\u00f6nnen vor dem </span></div><div class=\"ps27695 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfassungsgerichtshof angefochten werden. Angesichts der gegenw\u00e4rtigen rechtlichen Unw\u00e4gbarkeiten hinsichtlich der </span></div><div class=\"ps27696 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verj\u00e4hrung, der Wirksamkeit der CHF-Index-Klausel/erfolgten Konvertierung, der Berechnung der zus\u00e4tzlichen Entsch\u00e4digungen, </span></div><div class=\"ps27697 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der weiteren Vorgehensweise, des Ergebnisses des Vorabentscheidungsersuchens und der Anzahl der Kreditnehmer, die diese </span></div><div class=\"ps27698 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspr\u00fcche geltend machen, lassen sich die finanziellen Auswirkungen und der m\u00f6gliche Schaden zum gegenw\u00e4rtigen Zeitpunkt </span></div><div class=\"ps27699 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht endg\u00fcltig beziffern. In diesem Zusammenhang wurde eine R\u00fcckstellung in H\u00f6he von \u20ac 51 Millionen (Vorjahr: \u20ac 58 Millionen) </span></div><div class=\"ps27700 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt.</span></div><div class=\"ps27701 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Polen<span id=\"ib2a55f4d7e264acf9b4d3690dd70ea55\"></span></span></div><div class=\"ps27702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Polen ist eine erhebliche Anzahl zivilrechtlicher Klagen hinsichtlich bestimmter vertraglicher Regelungen im Zusammenhang </span></div><div class=\"ps27703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit Hypothekarkrediten an Konsumenten, die in Fremdw\u00e4hrungen denominiert oder an eine Fremdw\u00e4hrung gekoppelt sind, </span></div><div class=\"ps27704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anh\u00e4ngig. Zum 31. Dezember 2025 lag der Gesamtstreitwert dieser Verfahren bei rund PLN 8.926 Millionen (\u20ac 2.115 Millionen). Die </span></div><div class=\"ps27705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anzahl derartiger Klagen steigt weiter an.</span></div><div class=\"ps19368 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang hat sich ein polnisches Gericht an den Gerichtshof der europ\u00e4ischen Union (EuGH) gewandt, um <span class=\"f ps24\"> </span></span></div><div class=\"ps19369 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kl\u00e4ren zu lassen, ob bestimmte Klauseln dieser Vertr\u00e4ge gegen europ\u00e4isches Recht versto\u00dfen und missbr\u00e4uchlich verwendet </span></div><div class=\"ps19370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden. Die im Oktober 2019 dazu in einem Vorabentscheidungsverfahren ergangene Entscheidung des EuGH (C-260/18) gibt </span></div><div class=\"ps27706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Antwort bez\u00fcglich einer g\u00e4nzlichen oder teilweisen Nichtigkeit der Kreditvertr\u00e4ge, sondern lediglich eine </span></div><div class=\"ps27707 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Orientierungshilfe f\u00fcr die Interpretation, nach welchen Grunds\u00e4tzen nationale Gerichte auf Einzelfallbasis zu entscheiden <span class=\"f ps24\"> </span></span></div><div class=\"ps27708 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben. Demnach soll ein Kreditvertrag ohne missbr\u00e4uchliche Klauseln wirksam bleiben, solange dies mit nationalem Recht im </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einklang steht. Sofern der Kreditvertrag allerdings ohne die missbr\u00e4uchliche Klausel nicht mehr aufrechterhalten werden kann, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde der Vertrag insgesamt unwirksam. Sollte die Unwirksamkeit des gesamten Kreditvertrags mit wesentlichen negativen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsequenzen f\u00fcr den Kreditnehmer verbunden sein, so kann die missbr\u00e4uchliche Klausel von polnischen Gerichten im Einklang </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit nationalem Recht durch eine wirksame Klausel ersetzt werden. Die Konsequenzen einer Unwirksamkeit des Vertrags </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssen sorgf\u00e4ltig untersucht werden, sodass der Kreditnehmer alle potenziell negativen Folgen einer Unwirksamkeit bedenken </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann. </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einem anderen Verfahren, in dem die RBI involviert ist, ersuchte das Bezirksgericht Warszawa-Wola in Warschau den EuGH </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um Vorabentscheidung \u00fcber die Ausgestaltung der vertraglichen Regelungen zur Bestimmung der An- und Verkaufskurse f\u00fcr </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Fremdw\u00e4hrung im Falle von Hypothekardarlehen f\u00fcr Verbraucher, die an eine Fremdw\u00e4hrung indexiert sind. In der </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung vom 18. November 2021 in der Rechtssache C-212/20 vertrat der EuGH die Auffassung, dass der Inhalt einer </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klausel eines Darlehensvertrags, die die Ankaufs- und Verkaufskurse einer Fremdw\u00e4hrung festlegt, an die das Darlehen </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gebunden ist, einem einigerma\u00dfen gut informierten und aufmerksamen Verbraucher auf der Grundlage klarer und </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verst\u00e4ndlicher Kriterien erm\u00f6glichen muss, zu verstehen, wie der Wechselkurs der Fremdw\u00e4hrung festgelegt wird, der zur </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der H\u00f6he der R\u00fcckzahlungsraten verwendet wird. Aufgrund der in einer solchen Bestimmung angegebenen </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Information soll der Verbraucher in der Lage sein, jederzeit den vom Unternehmen angewendeten Wechselkurs selbst zu </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermitteln. In der Begr\u00fcndung f\u00fchrte der EuGH aus, dass eine Bestimmung, die es dem Verbraucher nicht erm\u00f6glicht, den </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wechselkurs selbst zu bestimmen, missbr\u00e4uchlich ist. Dar\u00fcber hinaus wies der EuGH darauf hin, dass das nationale Gericht, </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die betreffende Klausel eines Verbrauchervertrags missbr\u00e4uchlich ist, diese Klausel nicht auslegen darf, um ihre </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Missbr\u00e4uchlichkeit zu beheben, selbst wenn diese Auslegung dem gemeinsamen Willen der Vertragsparteien entspricht. Nur </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die Ung\u00fcltigkeit der missbr\u00e4uchlichen Klausel das nationale Gericht zur Aufhebung des gesamten Vertrags verpflichten </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde, wodurch der Verbraucher besonders nachteiligen Folgen ausgesetzt w\u00e4re und damit bestraft w\u00fcrde, k\u00f6nnte das </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationale Gericht diese Klausel durch eine erg\u00e4nzende Bestimmung des nationalen Rechts ersetzen. Der EuGH hat es daher </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht vollst\u00e4ndig ausgeschlossen, dass nationale Gerichte in solchen F\u00e4llen den Vertrag durch erg\u00e4nzende Vorschriften des </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationalen Rechts erg\u00e4nzen k\u00f6nnen, aber L\u00fccken d\u00fcrfen nicht allein durch nationale Vorschriften allgemeiner Natur gef\u00fcllt </span></div><div class=\"ps27711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, und ein solches Hilfsmittel darf nur in streng eingeschr\u00e4nkten F\u00e4llen, wie vom EuGH angegeben, angewendet werden. </span></div><div class=\"ps27712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der Missbr\u00e4uchlichkeit von Vertragsbestimmungen sowie die Entscheidung \u00fcber die Vertragserg\u00e4nzung nach </span></div><div class=\"ps27713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beseitigung missbr\u00e4uchlicher Vertragsklauseln fallen jedoch weiterhin in die Zust\u00e4ndigkeit des nationalen Gerichts. Der EuGH </span></div><div class=\"ps27714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat in keiner Weise entschieden, ob infolge der vorgenannten Aktionen der gesamte Fremdw\u00e4hrungsvertrag nichtig erkl\u00e4rt </span></div><div class=\"ps27715 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden soll.</span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 15. Juni 2023 gab der EuGH sein Urteil in der Rechtssache C-520/21 zu den Folgen der Nichtigerkl\u00e4rung eines missbr\u00e4uchliche </span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln enthaltenden Hypothekendarlehensvertrags bekannt. Der an den CHF gekoppelte Hypothekendarlehensvertrag war </span></div><div class=\"ps27718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit der Begr\u00fcndung f\u00fcr nichtig erkl\u00e4rt worden, dass die Umrechnungsklauseln zur Bestimmung des Wechselkurses in PLN f\u00fcr </span></div><div class=\"ps27719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwecke der monatlichen Raten missbr\u00e4uchlich seien und dass der Darlehensvertrag nach Aufhebung der missbr\u00e4uchlichen </span></div><div class=\"ps27720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln nicht fortbestehen k\u00f6nne. Der EuGH stellte fest, dass das EU-Recht nicht ausdr\u00fccklich die Folgen der Nichtigerkl\u00e4rung </span></div><div class=\"ps27721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines Verbrauchervertrags regelt. Die Bestimmung dieser Folgen obliegt der nationalen Gesetzgebung in den einzelnen EU- </span></div><div class=\"ps27722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedstaaten. Diese nationalen Rechtsvorschriften m\u00fcssen mit dem EU-Recht und den damit verfolgten Zielen vereinbar sein, </span></div><div class=\"ps27723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere im Hinblick darauf, dass die Lage des Verbrauchers, in der er sich ohne den f\u00fcr nichtig erkl\u00e4rten Vertrag befunden </span></div><div class=\"ps27724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte, wiederhergestellt wird und dass der vom EU-Recht angestrebte Abschreckungseffekt nicht gef\u00e4hrdet wird. Nach den </span></div><div class=\"ps27725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausf\u00fchrungen des EuGH steht EU-Recht dem nicht entgegen, dass die Verbraucher von der Bank einen Ausgleich verlangen </span></div><div class=\"ps27726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">d\u00fcrfen, der \u00fcber die Erstattung der gezahlten monatlichen Raten und der zur Erf\u00fcllung des Hypothekendarlehensvertrags </span></div><div class=\"ps27727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezahlten Kosten sowie die Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem Zeitpunkt der Zahlungsaufforderung </span></div><div class=\"ps27728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinausgeht. Allerdings ist es Sache der nationalen Gerichte zu beurteilen, ob der Grundsatz der Verh\u00e4ltnism\u00e4\u00dfigkeit gewahrt </span></div><div class=\"ps27729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, wenn solchen Forderungen des Verbrauchers stattgegeben wird. Im Gegensatz dazu steht EU-Recht dem entgegen, dass </span></div><div class=\"ps27730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Bank von dem Verbraucher einen Ausgleich verlangen darf, der \u00fcber die Erstattung des zur Erf\u00fcllung des </span></div><div class=\"ps27731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags gezahlten Kapitals sowie der Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem </span></div><div class=\"ps27732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt der Zahlungsaufforderung hinausgeht.</span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Konkretisierungen zu den Folgen der Nichtigerkl\u00e4rung eines mit missbr\u00e4uchlichen Klauseln behafteten Verbraucher-</span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags hat der EuGH in seinen Urteilen in den Rechtssachen C-756/22 vom 11. Dezember 2023 und </span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">C-488/23 vom 12. Januar 2024 und C-424/22 vom 8. Mai 2024 vorgenommen. An keinem dieser Verfahren war die RBI direkt </span></div><div class=\"ps27733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beteiligt. In allen drei F\u00e4llen vertrat der EuGH die Auffassung, dass sich die von den vorlegenden Gerichten geforderte </span></div><div class=\"ps27734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegung des EU-Rechts eindeutig aus den fr\u00fcheren Urteilen, insbesondere aus dem im obigen Absatz ausf\u00fchrlich </span></div><div class=\"ps27735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschriebenen Urteil des EuGH in der Rechtssache C-520/21 vom 15. Juni 2023 ableiten l\u00e4sst. In der Rechtssache C-756/22 stellte </span></div><div class=\"ps27736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der EuGH fest, dass die Bank nicht berechtigt ist, von einem Verbraucher die Zahlung von Betr\u00e4gen zu verlangen, die \u00fcber das in </span></div><div class=\"ps27737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erf\u00fcllung des Darlehensvertrags gezahlte Kapital und die gesetzlichen Verzugszinsen ab dem Zeitpunkt der </span></div><div class=\"ps27738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsaufforderung hinausgehen, wenn ein Darlehensvertrag mit der Begr\u00fcndung nichtig erkl\u00e4rt wird, dass er </span></div><div class=\"ps27739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt, ohne die er nicht weiter fortbestehen kann. In der Rechtssache C-488/23 stellte der EuGH </span></div><div class=\"ps27740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fest, dass EU-Recht dem entgegensteht, dass Banken von einem Verbraucher \u2013 zus\u00e4tzlich zur Erstattung der zur </span></div><div class=\"ps27741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragserf\u00fcllung gezahlten Kapitalbetr\u00e4ge und der gesetzlichen Verzugszinsen ab dem Zeitpunkt der Zahlungsaufforderung \u2013 </span></div><div class=\"ps27742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen Ausgleich verlangen, der in einer gerichtlichen Anpassung der dem gezahlten Kapitalbetrag entsprechenden Leistung im </span></div><div class=\"ps27743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Falle einer wesentlichen \u00c4nderung der Kaufkraft der betreffenden W\u00e4hrung nach der Zahlung dieses Kapitals an den </span></div><div class=\"ps27744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betreffenden Verbraucher besteht. In der Rechtssache C-424/22 vom 8. Mai 2024 stellte der EuGH fest, dass die Bank nicht </span></div><div class=\"ps27745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechtigt ist ein Zur\u00fcckbehaltungsrecht geltend zu machen, wenn ein Kreditvertrag mit der Begr\u00fcndung nichtig wird, dass er </span></div><div class=\"ps27746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt und die Bank daher zu R\u00fcckzahlungen an einen Verbraucher verpflichtet ist. Dies bedeutet, </span></div><div class=\"ps27747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass die Bank eine derartige Zahlung nicht zur\u00fcckhalten darf, bis der Schuldner alle Betr\u00e4ge zur\u00fcckgezahlt hat, die er im </span></div><div class=\"ps27748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kreditvertrags von der Bank erhalten hat. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wie sich die zuvor genannten EuGH-Urteile auf die Entscheidungen polnischer Gerichte in einzelnen zivilrechtlichen Verfahren </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auswirken, kann aufgrund der Komplexit\u00e4t und Unterschiedlichkeit von fallspezifischen Faktoren und m\u00f6glicherweise </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlichen Zusammenh\u00e4ngen und rechtlichen Feinheiten nicht abschlie\u00dfend eingesch\u00e4tzt werden.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 25. April 2024 verabschiedete die gesamte Zivilkammer des polnischen Obersten Gerichts (das OG) einen Beschluss zu </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtlichen Fragen im Zusammenhang mit Darlehen, die an eine Fremdw\u00e4hrung gekoppelt oder in Fremdw\u00e4hrung denominiert </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Im Einklang mit den Urteilen des EuGH entschied das OG, dass, wenn eine Vertragsklausel, die sich auf einen </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Indexierungsmechanismus bezieht, als rechtswidrig und nicht bindend angesehen wird, sie nicht durch eine andere Methode zur </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung des Wechselkurses ersetzt werden kann, die sich aus gesetzlichen Bestimmungen oder etablierten </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gepflogenheiten ergibt und dass der Darlehensvertrag im verbleibenden Umfang nicht bindend ist. Die Entscheidung dar\u00fcber, </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ob eine Vertragsklausel missbr\u00e4uchlich ist, obliegt dem Gericht, das mit dem Fall des konkreten Darlehensvertrags befasst ist. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist ein Darlehensvertrag aufgrund rechtswidriger Klauseln nicht bindend, haben beide Parteien einen gesonderten Anspruch auf </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung zu Unrecht geleisteter Zahlungen: die Bank auf R\u00fcckzahlung des Kapitals und der Kreditnehmer auf </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung von Zahlungen. Das OG fand keine Rechtfertigung f\u00fcr eine gegenseitige Beilegung der Anspr\u00fcche der Parteien </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch das Gericht w\u00e4hrend der Verhandlung des Falles. Die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank auf R\u00fcckzahlung der im </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kredits gezahlten Betr\u00e4ge beginnt grunds\u00e4tzlich mit dem Tag, der auf den Tag folgt, an dem der Kreditnehmer die </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bindende Wirkung des Kreditvertrags gegen\u00fcber der Bank angefochten hat. Der Beginn der Verj\u00e4hrungsfrist h\u00e4ngt somit vom </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhalten des Verbrauchers ab und sollte daher f\u00fcr jeden Vertrag individuell gepr\u00fcft werden. Mit dieser Entscheidung wurde </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine fr\u00fchere Entscheidung des OG ge\u00e4ndert, die vorsah, dass die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank beginnt, nachdem </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Verbraucher \u00fcber die m\u00f6glichen Folgen einer Ung\u00fcltigkeitserkl\u00e4rung des Kreditvertrags informiert wurde und der </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucher einer solchen Ung\u00fcltigkeitserkl\u00e4rung zustimmt. Das OG schloss au\u00dferdem aus, dass eine Partei Zinsen oder eine </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">andere Verg\u00fctung f\u00fcr die Verwendung ihrer Mittel in der Zeit zwischen der ungerechtfertigten Zahlung und der Verz\u00f6gerung bei </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckerstattung der Zahlung verlangen kann. Obwohl der Beschluss gefasst wurde, um die aufkommenden </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegungsfragen im Zusammenhang mit Streitigkeiten \u00fcber Kredite in Schweizer Franken zu kl\u00e4ren, sind die daraus </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">resultierenden Schlussfolgerungen auch auf Kredite in anderen W\u00e4hrungen, einschlie\u00dflich Kredite in Euro, anwendbar.</span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der obige Beschluss des OG in Verbindung mit dem fr\u00fcheren EuGH-Urteil bedeutet, dass in Polen t\u00e4tige Banken die </span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fremdw\u00e4hrungsportfolien halten, darunter auch RBI, keine zus\u00e4tzliche Verg\u00fctung und/oder Valorisierung im Zusammenhang </span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit derartigen nichtig erkl\u00e4rten Vertr\u00e4gen, wie oben dargelegt, fordern k\u00f6nnen. Banken sollen lediglich die M\u00f6glichkeit haben, </span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung des dem Kunden bei Kreditvergabe bereitgestellten Kapitals einzufordern. Dies ber\u00fchrt nicht die M\u00f6glichkeit, </span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Zahlung von Verzugszinsen zu verlangen, sofern die Voraussetzungen hierf\u00fcr erf\u00fcllt sind. Was die Forderung der Banken auf </span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung des Kapitals betrifft, k\u00f6nnten die im Beschluss des OG enthaltenen Leitlinien und die derzeitige Praxis durch das </span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unten angef\u00fchrte Urteil des EuGH vom 19. Juni 2025 beeinflusst werden.</span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 19. Juni 2025 erlie\u00df der EuGH ein weiteres Urteil in der Rechtssache C-396/24. Darin stellte er fest, dass die Richtlinie 93/13/</span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EWG \u00fcber missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen Banken daran hindert, die vollst\u00e4ndige R\u00fcckzahlung des </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezahlten Nominalbetrags eines f\u00fcr nichtig erkl\u00e4rten Kreditvertrags zu verlangen, ohne vorherige R\u00fcckzahlungen des </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchers zu ber\u00fccksichtigen (Aufrechnungstheorie). Dieses Urteil k\u00f6nnte die aktuelle Rechtsprechung polnischer Gerichte </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen, die gem\u00e4\u00df dem Beschluss des Obersten Gerichtshofs Polens vom 25. April 2024 (wie oben ausf\u00fchrlich beschrieben) </span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Theorie der \u201ezwei Forderungen\u201c anwendet. Danach k\u00f6nnen Banken die vollst\u00e4ndige R\u00fcckzahlung der im Rahmen eines f\u00fcr </span></div><div class=\"ps27754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nichtig erkl\u00e4rten Vertrags gezahlten Betr\u00e4ge verlangen, unabh\u00e4ngig von den geleisteten R\u00fcckzahlungen und dem </span></div><div class=\"ps27755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbleibenden geschuldeten Restbetrag. Diese Theorie diente auch als Grundlage f\u00fcr Banken, die ehemalige Kreditnehmer </span></div><div class=\"ps27756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klagen um die Kapitalr\u00fcckzahlung zu sichern. Dar\u00fcber hinaus verbietet das Urteil die sofortige Vollstreckbarkeit von </span></div><div class=\"ps27757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen zugunsten von Banken, sofern kein angemessener Verbraucherschutz besteht. Die m\u00f6glichen Auswirkungen </span></div><div class=\"ps27758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die polnische Rechtsprechung bleiben ungewiss. M\u00f6gliche Resultate reichen von der Annahme einer Aufrechnungstheorie </span></div><div class=\"ps27759 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bis hin zur Beibehaltung bestehender Rechtsrahmen, da die Interpretation dieses EuGH-Urteils durch die Gerichte </span></div><div class=\"ps27760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlich ausfallen kann.</span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 27. November 2025 erlie\u00df der EuGH ein Urteil in der Rechtssache C-746/24, mit dem nationale verfahrensrechtliche Regeln </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgeschlossen werden, die Verbraucher:innen, die sich gegen von Banken eingeleitete Restitutionsanspr\u00fcche auf Kapital <span class=\"f ps24\"> </span></span></div><div class=\"ps27763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verteidigen, unverh\u00e4ltnism\u00e4\u00dfig h\u00f6here Gerichtskosten auferlegen als jene Kosten, die bei von Verbrauchern selbst gef\u00fchrten </span></div><div class=\"ps27764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen auf Aufhebung des Vertrags entstehen. Es wurde festgestellt, dass eine solche Diskrepanz bei den Rechtskosten die </span></div><div class=\"ps27765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abschreckende Wirkung der Richtlinie 93/13/EWG untergr\u00e4bt und Verbraucher davon abhalten kann, ihre Rechte im Rahmen des </span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schutzes gegen missbr\u00e4uchliche Vertragsbedingungen auszu\u00fcben. Das polnische Zivilprozessrecht sieht eine Begrenzung der </span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6chstbetr\u00e4ge von Gerichtsgeb\u00fchren f\u00fcr von Verbrauchern eingeleitete Klagen im Zusammenhang mit Bankgesch\u00e4ften vor. </span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umgekehrt kann eine Bank, die ein Gerichtsverfahren gegen einen Verbraucher einleitet, nicht von einer solchen </span></div><div class=\"ps27766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorzugsbehandlung profitieren und muss die Gerichtskosten nach allgemeinen Regeln tragen, was f\u00fcr das Finanzinstitut zu </span></div><div class=\"ps27767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deutlich h\u00f6heren anf\u00e4nglichen Kosten f\u00fchrt. Ungeachtet des Urteils des EuGH behalten die polnischen Gerichte die Befugnis, </span></div><div class=\"ps27768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifische nationale Verfahrensvorschriften zur Festlegung der endg\u00fcltigen Kostenverteilung heranzuziehen, wobei es den </span></div><div class=\"ps27769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten gestattet ist, von den allgemeinen Grunds\u00e4tzen der Kostenteilung auf der Grundlage des Billigkeitsgrundsatzes oder </span></div><div class=\"ps27770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des konkreten Verhaltens der Parteien abzuweichen. Folglich h\u00e4ngt die endg\u00fcltige Auswirkung des Urteils auf die Prozesskosten </span></div><div class=\"ps27771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI von der Ermessensentscheidung der nationalen Gerichte im Einzelfall ab. Die RBI beobachtet weiterhin die juristischen </span></div><div class=\"ps27772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklungen und kann ihre R\u00fcckstellungen f\u00fcr rechtliche Risiken und ihre Verfahrensstrategien anpassen, um potenzielle </span></div><div class=\"ps27773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">negative finanzielle Auswirkungen aufgrund dieser Rechtsprechung abzumildern.</span></div><div class=\"ps27774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Polnische ordentliche Gerichte haben dem EuGH mehrere weitere Fragen zur Auslegung der Richtlinie 93/13/EWG \u00fcber </span></div><div class=\"ps27775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen im Zusammenhang mit Fremdw\u00e4hrungsdarlehen vorgelegt. Zu den Fragen </span></div><div class=\"ps27776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geh\u00f6ren unter anderem die Rechtm\u00e4\u00dfigkeit der Verpflichtung von Verbrauchern zur Zahlung von Rechtskosten, die </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterbrechung der Verj\u00e4hrungsfristen f\u00fcr Forderungen der Banken, die Behandlung verj\u00e4hrter Anspr\u00fcche, die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnungsrechte von Banken, die Erstattung von Versicherungskosten und die G\u00fcltigkeit von Vertragsanh\u00e4ngen. Ziel dieser </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfragen ist es, die Vereinbarkeit nationaler Gesetze mit den EU-Verbraucherschutzstandards zu kl\u00e4ren. </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die seit 2020 eingegangen Klagen wurden haupts\u00e4chlich durch die Entscheidung des EuGH in der Rechtssache C-260/18 und die </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gestiegenen Marketingaktivit\u00e4ten von Anwaltskanzleien, die f\u00fcr Kreditnehmer t\u00e4tig sind, hervorgerufen. Im Gesch\u00e4ftsjahr 2025 </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verzeichnete die polnische Filiale 4.334 neue Klagen (Vorjahr: 6.150 neue Klagen), in der Berichtsperiode wurden durchschnittlich </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">361 neue Klagen pro Monat (davon 268 Klagen f\u00fcr Schweizer Franken-Kredite und 93 Klagen f\u00fcr Euro-Kredite) eingebracht. Der </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eingang neuer F\u00e4lle k\u00f6nnte aufgrund der steigenden Zahl von Vergleichen zwischen der polnischen Filiale der RBI und </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmern sowie der Tatsache, dass ein erheblicher Teil der Kreditportfolios bereits Gegenstand laufender </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten ist, was den potenziellen Zufluss neuer Anspr\u00fcche naturgem\u00e4\u00df einschr\u00e4nkt, weiter zur\u00fcckgehen.</span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus haben sich polnische Gerichte mit weiteren Vorabentscheidungsersuchen in anderen zivilrechtlichen Verfahren </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an den EuGH gewandt. Diese Entscheidungen k\u00f6nnten zu weiteren Klarstellungen durch den EuGH f\u00fchren und einen Einfluss </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darauf haben, wie gerichtsanh\u00e4ngige Verfahren im Zusammenhang mit Fremdw\u00e4hrungskrediten von nationalen polnischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten entschieden werden.</span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Folgenabsch\u00e4tzung f\u00fcr Kreditvertr\u00e4ge, die an eine Fremdw\u00e4hrung gekoppelt sind oder auf eine Fremdw\u00e4hrung lauten, kann </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch von dem Ergebnis eines laufenden verwaltungsgerichtlichen Verfahrens aufgrund eines Rechtsmittels der polnischen </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Filiale der RBI gegen eine Entscheidung des Pr\u00e4sidenten des Amts f\u00fcr Wettbewerb und Verbraucherschutz (UOKiK) beeinflusst </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. In der angefochtenen Entscheidung wurde behauptet, dass die polnische Niederlassung der RBI an Praktiken beteiligt </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">war, die kollektive Verbraucherinteressen verletzten. Dies f\u00fchrte zu einer Verwaltungsstrafe gegen die polnische Filiale sowie </span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Verpflichtung, den Kreditnehmern Informationen \u00fcber den Versto\u00df zur Verf\u00fcgung zu stellen, falls die </span></div><div class=\"ps2424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsentscheidung rechtskr\u00e4ftig wird. Im Juni 2025 wies das Gericht f\u00fcr Wettbewerbs- und Verbraucherschutz (SOKIK) </span></div><div class=\"ps2425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Beschwerde der RBI gegen die Entscheidung vollst\u00e4ndig ab. Im August 2025 hat die RBI gegen dieses Urteil Berufung beim </span></div><div class=\"ps2426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsgericht in Warschau eingelegt.</span></div><div class=\"ps27777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus leitete der polnische Finanz-Ombudsmann, der im Namen von zwei Kreditnehmern handelte, ein Zivilverfahren </span></div><div class=\"ps27778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI ein, in dem die Anwendung unlauterer Gesch\u00e4ftspraktiken gegen\u00fcber Verbrauchern in einem Fall behauptet wird, </span></div><div class=\"ps27779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in dem die RBI \u2013 nach Aufhebung eines Kreditvertrags \u2013 den vollen urspr\u00fcnglich ausgegebenen Kreditbetrag ohne </span></div><div class=\"ps27780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischenzeitlich geleistete R\u00fcckzahlungen sowie f\u00fcr die Verwendung von Kapital durch die Kreditnehmer f\u00e4llige Betr\u00e4ge, </span></div><div class=\"ps27781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Grundsatzes der ungerechtfertigten Bereicherung eingefordert hatte und verlangt, diese Praxis einzustellen. Im </span></div><div class=\"ps27782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mai 2023 wurde die Klage des Finanz-Ombudsmanns in erster Instanz abgewiesen. Der Finanz-Ombudsmann legte gegen </span></div><div class=\"ps27783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses Urteil Berufung ein, die der RBI zugestellt wurde und die diese ordnungsgem\u00e4\u00df beantwortete. </span></div><div class=\"ps27784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist zudem Kl\u00e4gerin in einer Anzahl laufender Zivilprozesse im Zusammenhang mit bereits beendeten </span></div><div class=\"ps27785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekarkrediten, die in Schweizer Franken oder Euro denominiert oder an diese W\u00e4hrungen gekoppelt waren. Der </span></div><div class=\"ps27786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtstreitwert belief sich zum 31. Dezember 2025 auf rund PLN 298,5 Millionen (\u20ac 71 Millionen). Die Anspr\u00fcche der RBI </span></div><div class=\"ps27787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beziehen sich auf Kapital und Zinsen, die aufgrund rechtlicher Einw\u00e4nde nicht gezahlt wurden. Die Klagen werden auf </span></div><div class=\"ps27788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglicher Grundlage oder auf der Grundlage ungerechtfertigter Bereicherung erhoben.</span></div><div class=\"ps27789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI eine Reihe von Gerichtsverfahren aufgrund von Gegenforderungen auf R\u00fcckzahlung des Kapitals </span></div><div class=\"ps27790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen Kreditnehmer eingeleitet, falls diese die G\u00fcltigkeit des Fremdw\u00e4hrungshypothekarkredits gegen\u00fcber der RBI anfechten. </span></div><div class=\"ps27791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Einreichung der Klagen dient der Sicherung der Anspr\u00fcche der RBI und soll deren Verj\u00e4hrung verhindern. Zum 31. Dezember </span></div><div class=\"ps27792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 belief sich der Gesamtstreitwert dieser Verfahren auf PLN 2.662 Millionen (\u20ac 631 Millionen). Die Entscheidung \u00fcber die </span></div><div class=\"ps27793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einreichung solcher Klagen wird in den kommenden Jahren von der endg\u00fcltigen Auswirkung des oben beschriebenen EuGH-</span></div><div class=\"ps27794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteils in der Rechtssache C-746/24, von der Entwicklung der nationalen Rechtsprechung und m\u00f6glichen Gesetzesinitiativen </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abh\u00e4ngen. </span></div><div class=\"ps27796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Themen der polnischen Gesetzgebung</span></div><div class=\"ps27797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende September 2025 verabschiedete die polnische Regierung einen Gesetzesentwurf zur Einf\u00fchrung besonderer Verfahren f\u00fcr </span></div><div class=\"ps27798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilrechtssachen im Zusammenhang mit Krediten, die in Schweizer Franken (CHF) denominiert oder an diesen gekoppelt sind. </span></div><div class=\"ps27799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfang Oktober 2025 wurde der Entwurf dem Sejm (dem Unterhaus des polnischen Parlaments) vorgelegt, um das </span></div><div class=\"ps27800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesetzgebungsverfahren einzuleiten. Hauptziel des Gesetzesentwurfs ist es, Rechtsstreitigkeiten im Zusammenhang mit CHF-</span></div><div class=\"ps27801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten zu beschleunigen, die Belastung der Gerichte zu verringern und den Verbraucherschutz im Einklang mit der </span></div><div class=\"ps27802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung des Gerichtshofs der Europ\u00e4ischen Union zu st\u00e4rken. In der vorliegenden Fassung w\u00fcrde das Gesetz f\u00fcr </span></div><div class=\"ps27803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilverfahren zwischen Verbrauchern und Banken gelten, die Kredite in CHF oder an diesen gekoppelte Kredite betreffen, </span></div><div class=\"ps27804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich jener Kredite, die per Annex in CHF-denominierte oder an diesen indexierte Vertr\u00e4ge umgewandelt wurden. </span></div><div class=\"ps27805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite in anderen W\u00e4hrungen (insbesondere EUR) oder an diese gekoppelte Kredite w\u00fcrden nicht unter den </span></div><div class=\"ps27806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anwendungsbereich des Gesetzes fallen. Insgesamt st\u00e4rkt das vorgeschlagene Rahmenwerk die Rechtsposition von </span></div><div class=\"ps27807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchern in Rechtsstreitigkeiten gegen Banken erheblich.</span></div><div class=\"ps27808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit der Zustellung der Klage oder Widerklage des Verbrauchers an die Bank werden die Kreditr\u00fcckzahlungen automatisch und </span></div><div class=\"ps27809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kraft Gesetzes ausgesetzt, bis das entsprechende Gerichtsverfahren rechtskr\u00e4ftig abgeschlossen ist. Die Aussetzung der </span></div><div class=\"ps27810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen des Kreditnehmers stellt keinen Verzug oder eine nicht ordnungsgem\u00e4\u00dfe Erf\u00fcllung des </span></div><div class=\"ps27811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvertrags dar und darf nicht an ein Kredit- oder Schuldnerregister gemeldet werden. Zudem sind alle Eintr\u00e4ge in diese </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Register, die vor der Zustellung der Klage oder Widerklage an die Bank erfolgt sind, zu l\u00f6schen. In F\u00e4llen, in denen die Klage oder </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Widerklage des Verbrauchers vor Inkrafttreten des Gesetzes an die Bank zugestellt wurde, tritt die Aussetzung der </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen mit dem Inkrafttreten des Gesetzes in Kraft. Ab diesem Datum werden daher die R\u00fcckzahlungen </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aller betroffenen Kreditvertr\u00e4ge automatisch kraft Gesetzes ausgesetzt, was m\u00f6glicherweise zu einer weiteren Verringerung </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Mittelzufl\u00fcsse aus dem CHF-Kreditportfolio f\u00fchrt. Ungeachtet dessen bleibt die Bank weiterhin verpflichtet, Zahlungen </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzunehmen, wenn der vom Kreditnehmer zur\u00fcckgezahlte Gesamtbetrag unter dem ausgezahlten Gesamtkreditbetrag liegt. </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlich ist, dass Verbraucher keine individuellen Antr\u00e4ge auf Aussetzung der R\u00fcckzahlung stellen m\u00fcssen und Gerichte keine </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen \u00fcber einstweilige Ma\u00dfnahmen oder damit verbundene Rechtsmittel mehr erlassen oder \u00fcberpr\u00fcfen m\u00fcssen.</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Entwurf vorgeschlagenen prozessualen Ma\u00dfnahmen zielen darauf ab, die Verfahrensbearbeitung zu vereinfachen. So </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen Rechtssachen trotz Antrags einer Partei auf \u00f6ffentliche Anh\u00f6rung unter Ausschluss der \u00d6ffentlichkeit verhandelt </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, Parteien k\u00f6nnen Aussagen schriftlich einreichen und die Einvernahme von Zeugen kann mittels technischer Hilfsmittel </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgen, auch wenn sich eine Partei dagegen ausspricht. Dar\u00fcber hinaus wurde bei Gericht ein vereinfachter Prozess zur </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beendigung von Verfahren nach freiwilliger Zur\u00fccknahme der Klage oder Berufung eingef\u00fchrt. Um eine Einigung und </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gemeinsame Abstimmung zu erleichtern, erm\u00f6glicht der Entwurf dem Beklagten, bis zum Ende der Verhandlung vor dem </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht zweiter Instanz oder \u2013 falls der Fall unter Ausschluss der \u00d6ffentlichkeit verhandelt wird \u2013 bis zur Verk\u00fcndung des Urteils </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Gerichts zweiter Instanz eine Aufrechnungseinrede zu erheben. Ebenso kann eine Widerklage bis zum Abschluss der </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Verhandlung oder \u2013 bei Verhandlung unter Ausschluss der \u00d6ffentlichkeit \u2013 bis zur Verk\u00fcndung des </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Urteils eingebracht werden. Der Gesetzentwurf bietet zudem Anreize f\u00fcr eine g\u00fctliche Streitbeilegung, indem </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">er vorsieht, dass bei R\u00fccknahme einer Klage, einer Berufung oder einer Kassationsbeschwerde innerhalb von sechs Monaten </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach Inkrafttreten des Gesetzes die H\u00e4lfte der Gerichtskosten erstattet wird. Der Gesetzesentwurf sieht zudem </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen f\u00fcr die Befugnis des Obersten Gerichtshofs vor, Kassationsbeschwerden in F\u00e4llen zu verhandeln, die Kredite </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit CHF-Bezug betreffen.</span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Gesetz soll 14 Tage nach seiner Ver\u00f6ffentlichung im offiziellen Gesetzblatt in Kraft treten. Die verk\u00fcrzte Legisvakanz </span></div><div class=\"ps12694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(vacatio legis) unterstreicht die Dringlichkeit der Ma\u00dfnahme und k\u00f6nnte den Bankensektor bei der Umsetzung der </span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmungen vor erhebliche Herausforderungen stellen. Neben den finanziellen Auswirkungen (geringere Mittelzufl\u00fcsse aus </span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckzahlung strittiger Kredite) k\u00f6nnten die vorgeschlagenen Regelungen auch die Beilegung von Gerichtsverfahren </span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen und damit den Mittelabfluss aus Banken aufgrund der Notwendigkeit, rechtskr\u00e4ftige Urteile umzusetzen, </span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen. Sie k\u00f6nnten auch Verbraucher, die noch keine Anspr\u00fcche gegen Banken geltend gemacht haben, dazu </span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermutigen, Klage einzureichen.</span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Finanzielle Auswirkungen</span></div><div class=\"ps27812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat f\u00fcr die in Polen eingebrachten und erwarteten Klagen f\u00fcr Schweizer-Franken- und Euro-Kredite inklusive </span></div><div class=\"ps27813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verzugszinsen, die an Kunden zu zahlen sein werden, vorgesorgt. Da Klagen von einer Reihe von Kunden eingebracht wurden, </span></div><div class=\"ps23986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basiert diese R\u00fcckstellung auf einem statistischen Ansatz, der sowohl statistische Daten, soweit diese relevant sind, als auch </span></div><div class=\"ps23987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen ber\u00fccksichtigt. In diesem Kapitel umfasst der Begriff R\u00fcckstellung Vorsorgen gem\u00e4\u00df IFRS 9, bei denen der </span></div><div class=\"ps27814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bruttobuchwert aufgrund einer Anpassung der erwarteten zuk\u00fcnftigen Cashflows um den r\u00fcckzustellenden Betrag reduziert </span></div><div class=\"ps27815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, sowie R\u00fcckstellungen gem\u00e4\u00df IAS 37.</span></div><div class=\"ps27816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat ein Portfolio von rund 17,2 Tausend aktiven CHF-Darlehen mit einer Gesamtaushaftung von knapp \u20ac 1,3 Milliarden </span></div><div class=\"ps27624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und rund 10,1 Tausend CHF-Darlehen, die bereits getilgt wurden. Dies beinhaltet auch Darlehen, von welchen nicht erwartet </span></div><div class=\"ps27625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, dass sie Gegenstand von Rechtsstreitigkeiten werden. Zus\u00e4tzlich hat die RBI rund 8,7 Tausend in Euro vergebene Darlehen </span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit einem Volumen von rund \u20ac 360 Millionen ausstehend. Rund 9,3 Tausend weitere in Euro vergebene Darlehen wurden bereits </span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcckbezahlt. </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sich daraus ergebende R\u00fcckstellung betr\u00e4gt \u20ac\u00a01.956 Millionen (Vorjahr: \u20ac\u00a02.071 Millionen), davon \u20ac 1.774 f\u00fcr Schweizer-</span></div><div class=\"ps27817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Franken- und \u20ac 182 Millionen f\u00fcr Euro-Kredite. Die Gesamth\u00f6he der R\u00fcckstellung stellt die bestm\u00f6gliche Sch\u00e4tzung des </span></div><div class=\"ps27818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftigen Abflusses von wirtschaftlichem Nutzen dar. Bei der Berechnung der R\u00fcckstellung f\u00fcr in Polen eingereichte Klagen ist </span></div><div class=\"ps27819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es notwendig, sich eine Meinung zu Sachverhalten zu bilden, die grunds\u00e4tzlich ungewiss sind, wie beispielsweise regulatorische </span></div><div class=\"ps27820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verlautbarungen, die Anzahl zuk\u00fcnftiger Klagen, der Umfang, in dem diese aufrechterhalten werden, und die Auswirkungen von </span></div><div class=\"ps27821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsentscheidungen, die f\u00fcr eingegangene Klagen relevant sein k\u00f6nnen.</span></div><div class=\"ps27822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es verbleiben somit eine Reihe von Risiken und Ungewissheiten. Folglich k\u00f6nnten die tats\u00e4chlichen Kosten von den Sch\u00e4tzungen </span></div><div class=\"ps27823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI und den ihnen zugrunde liegenden Annahmen abweichen. Dies k\u00f6nnte dazu f\u00fchren, dass eine weitere R\u00fcckstellung </span></div><div class=\"ps27824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich wird. Die wesentlichen, quantifizierbaren Unsicherheiten in Bezug auf die Berechnung der R\u00fcckstellung beziehen </span></div><div class=\"ps27825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich auf eine potenzielle Reduzierung der Diskontierungsperiode, einen R\u00fcckgang der Abzinsungsrate, einen Anstieg der </span></div><div class=\"ps27826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Klagen f\u00fcr ausstehende und getilgte Kredite, eine Erh\u00f6hung des durchschnittlichen Verlusts pro Kreditfall f\u00fcr </span></div><div class=\"ps27827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehende und getilgte Kredite sowie auf die Erfolgsquote au\u00dfergerichtlicher Einigungen. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Sensitivit\u00e4tsanalyse</span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse f\u00fcr potenzielle \u00c4nderungen der verwendeten Parameter \u00fcber die n\u00e4chsten 12 Monate, w\u00e4hrend alle </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Parameter konstant gehalten werden, ist in den folgenden beiden Tabellen getrennt nach CHF- und EUR-Kredite </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt:</span></div><div class=\"ps27875 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22055\">1.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17673\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17823\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24278\"></span><span class=\"ps24278\">1,1</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27843\"></span><span class=\"ps27843\">0,8</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27845\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23810\"></span><span class=\"ps23810\">95</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25330\"></span><span class=\"ps25330\">96</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19921\"></span><span class=\"ps19921\">145</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19934\"></span><span class=\"ps19934\">146</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20867\"></span><span class=\"ps20867\">43</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27862\"></span><span class=\"ps27862\">44</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27864\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Anzahl an erwarteten zuk\u00fcnftigen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Vergleichen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27867 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27866\">2.497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27869 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27868\">- 10.0%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27870 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps21504\">2.247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27871 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung des Vergleichsangebots f\u00fcr Kunden (in % des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Verlustes im Falle einer Annullierung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27872 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24264\"></span><span class=\"ps24264\">79</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23543 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps19996\"> + 5.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17570 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27874 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27885 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27876\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17673\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17823\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27878\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13629\"></span><span class=\"ps13629\">6,0</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27879\"></span><span class=\"ps27879\">5,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27881\"></span><span class=\"ps27881\">52</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">93</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24321\"></span><span class=\"ps24321\">94</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24456\"></span><span class=\"ps24456\">15</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27884\"></span><span class=\"ps27884\">16</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Annahmen basieren auf internen Statistiken sowie auf Marktdaten. Der Anstieg der R\u00fcckstellung ist linear f\u00fcr alle </span></div><div class=\"ps27887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassungen, mit der Ausnahme von Anpassungen der Abzinsungsrate, die logarithmisch ansteigt. Des Weiteren ber\u00fccksichtigt </span></div><div class=\"ps27888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Modell keine unerwarteten Entwicklungen in der Rechtsprechung.</span></div><div class=\"ps27889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr das Gesch\u00e4ftsjahr 2025 wurde die Sensitivit\u00e4tsanalyse etwas erweitert. Zum einen wurde bei der Sensitivit\u00e4t der </span></div><div class=\"ps27890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsperiode zwischen der IFRS 9 Buchwertanpassung und der IAS 37 R\u00fcckstellungen aufgrund der unterschiedlichen </span></div><div class=\"ps27891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsdauer unterschieden. Zum anderen wurde das CHF-Portfolio um neue Sensitivit\u00e4ten im Zusammenhang mit den </span></div><div class=\"ps27892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichsangeboten erg\u00e4nzt, da diesen im Jahr 2025 zahlenm\u00e4\u00dfig eine h\u00f6here Bedeutung zukam. F\u00fcr den Vergleichszeitraum </span></div><div class=\"ps12050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 wurden diese neuen Sensitivit\u00e4ten nicht ermittelt. </span></div><div class=\"ps27916 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27893\">1.965<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25180\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21946\"></span><span class=\"ps21946\">2,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21958\"></span><span class=\"ps21958\">2,0</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14946 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20784\"></span><span class=\"ps20784\">91,5</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27899 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27901 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27900\"></span><span class=\"ps27900\">92,5</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27902 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14959 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26820\"></span><span class=\"ps26820\">117</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27903 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27905 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27904\"></span><span class=\"ps27904\">118</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27907 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27906\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14971 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27908 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27909 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27910 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14987 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27911 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27913 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27912\"></span><span class=\"ps27912\">54</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27915 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27914\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25287\">106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">7,2</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21519\"></span><span class=\"ps21519\">6,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14946 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23527\"></span><span class=\"ps23527\">32,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27899 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27901 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27917\"></span><span class=\"ps27917\">33,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27902 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14959 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27918\"></span><span class=\"ps27918\">83</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27903 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27905 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27907 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14971 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27908 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27909 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27910 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14987 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">35</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27911 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27913 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">36</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27915 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Vergleichsprogramm </span></div><div class=\"ps27920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereits 2023 wurde ein au\u00dfergerichtliches Vergleichsprogramm basierend auf dem Mustervorschlag des Vorsitzenden der </span></div><div class=\"ps27921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">polnischen Finanzaufsichtsbeh\u00f6rde gestartet. Das prim\u00e4re Ziel des Vergleichsprogramms ist die Limitierung der erwarteten </span></div><div class=\"ps27922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verluste, die aus der aktuellen negativen Rechtsprechung resultieren, die meisten Hypothekarkredite g\u00e4nzlich zu annullieren. </span></div><div class=\"ps27923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund einer verhaltenen Resonanz der Kund:innen auf dieses Programm wurde im Jahr 2024 ein verbessertes Modell zum </span></div><div class=\"ps27924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweck einer h\u00f6heren Akzeptanz entwickelt. Im Gegensatz zu einer Neuberechnung des ausgegeben Kreditvertrags mit </span></div><div class=\"ps27925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Parametern orientiert sich das \u00fcberarbeitete Vergleichsprogramm am R\u00fcckzahlungsbetrag an die Kund:innen im </span></div><div class=\"ps27926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fall einer Annullierung abz\u00fcglich eines prozentuellen Abschlags. In beiden F\u00e4llen f\u00fchrt ein Vergleich zu einer Abschreibung eines </span></div><div class=\"ps27927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teils des Kreditbetrags, abh\u00e4ngig vom individuell ausgehandelten Vergleichsangebot. Die Vergleichsprogramme werden mittels </span></div><div class=\"ps27928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mediationsverfahren durch die polnische Finanzaufsichtsbeh\u00f6rde abgewickelt.</span></div><div class=\"ps27929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Per 31.12.2025 hat die RBI 21.630 individuelle Vergleichsangebot an Kund:innen gestellt, wovon mit 4.541 Kund:innen ein Vergleich </span></div><div class=\"ps27930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und mit weiteren 855 Kund:innen der Mediationsprozess erfolgreich abgeschlossen wurde. Die Bank hat bei der Berechnung der </span></div><div class=\"ps27931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorsorgen die gesch\u00e4tzte Anzahl der mit Kund:innen abzuschlie\u00dfenden Vergleiche ber\u00fccksichtigt, die das angepasste Niveau </span></div><div class=\"ps27932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftiger Verluste in diesen Vergleichsf\u00e4llen widerspiegeln. Die Ber\u00fccksichtigung von Vergleichen in der </span></div><div class=\"ps27933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungsberechnung wird von Faktoren wie dem R\u00fcckzahlungsbetrag im Falle einer Annullierung, der Entwicklung der </span></div><div class=\"ps27934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung und der Verfahrensdauer beeinflusst.</span></div><div class=\"ps27935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Rum\u00e4nien<span id=\"i1496d54a25184efda16663eedabe2457\"></span></span></div><div class=\"ps27936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Mai 2023 hat die rum\u00e4nische Verbraucherschutzbeh\u00f6rde (ANPC) die Methode bestritten, wie Raten im Zusammenhang mit </span></div><div class=\"ps27937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucherkrediten berechnet werden, und behauptet, dass R\u00fcckzahlungspl\u00e4ne mit festen Raten, die sich zu Beginn der <span class=\"f ps24\"> </span></span></div><div class=\"ps27938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung aus einem gr\u00f6\u00dferen Zinsanteil und einem geringeren Kapitalanteil zusammensetzen, f\u00fcr Verbraucher nachteilig </span></div><div class=\"ps27939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seien und daher zu gleichen Teilen aus Kapital und Zinsen bestehen sollten. Sie erlie\u00df eine Anordnung, diese Praxis einzustellen, </span></div><div class=\"ps27940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber eine Reihe von Banken, darunter die rum\u00e4nische Netzwerkbank der RBI, Raiffeisen Bank SA, Bukarest, haben vor Gericht </span></div><div class=\"ps27941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Aussetzung der Anwendung dieser ANPC-Ma\u00dfnahme erwirkt. Da der Inhalt der Anordnung unklar ist, kann zum jetzigen </span></div><div class=\"ps27942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt nicht festgestellt werden, ob es zu negativen finanziellen Auswirkungen auf RBRO kommen wird und, wenn ja, </span></div><div class=\"ps27943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welcher m\u00f6gliche Schaden damit verbunden ist. Im Falle einer zwingenden \u00c4nderung der R\u00fcckzahlungspl\u00e4ne k\u00f6nnten die </span></div><div class=\"ps27944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen jedoch erheblich sein. Im Mai 2023 hat Raiffeisen Bank SA, Bukarest die G\u00fcltigkeit der \u201eFeststellungen\u201c der ANPC </span></div><div class=\"ps27945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor Gericht angefochten und das Gericht hat entschieden, dass die ANPC-Ma\u00dfnahme ausgesetzt werden soll, bis es eine </span></div><div class=\"ps27946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">endg\u00fcltige gerichtliche Entscheidung im Anfechtungsverfahren gibt. Im Juni 2025 gewann Raiffeisen Bank SA, Bukarest das </span></div><div class=\"ps2824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren gegen die Feststellungen. Da diese Entscheidung rechtskr\u00e4ftig ist, wurde der Prozess bez\u00fcglich der ANPC-Anordnung </span></div><div class=\"ps27947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgesetzt.</span></div><div class=\"ps27948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Juni 2024 erhielt Raiffeisen Bank SA, Bukarest einen weiteren ANPC-Bericht, der im Wesentlichen auch den gesamten </span></div><div class=\"ps27949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rum\u00e4nischen Bankenmarkt betrifft und auf einer ANPC-Untersuchung dar\u00fcber basiert, wie Banken der Verpflichtung zur </span></div><div class=\"ps27950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausreichenden Information der Kund:innen nachkommen. Basierend auf dem Vorwurf einer \u201ebetr\u00fcgerischen Praxis\u201c der Banken </span></div><div class=\"ps27951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verlangt der Bericht von den Banken, folgende Ma\u00dfnahmen zu ergreifen: (i) Bei Verbraucherkrediten mit variablen Zinss\u00e4tzen ist </span></div><div class=\"ps27952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ANPC der Meinung, dass die Banken einen Zinssatz h\u00e4tten anwenden sollen, der aus einem \u00f6ffentlichen Index (wie ROBOR, </span></div><div class=\"ps27953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EURIBOR, etc.) plus einer Marge besteht, und nicht eine Art \u201eMarktzinssatz\u201c (nicht an einen \u00f6ffentlichen Index gebunden). Somit </span></div><div class=\"ps27954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssten variable Zinss\u00e4tze, die als \u201eMarktzinss\u00e4tze\u201c ausgestaltet sind, auch r\u00fcckwirkend, neu berechnet werden, indem vom </span></div><div class=\"ps27955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anf\u00e4nglichen variablen Zinssatz der zu Beginn der ersten variablen Zinsperiode g\u00fcltige \u00f6ffentliche Index abgezogen wird. Die </span></div><div class=\"ps27956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Differenz w\u00fcrde dann als Marge auf den \u00f6ffentlichen Index angewendet, der f\u00fcr die jeweilige variable Zinsperiode gilt, und das </span></div><div class=\"ps27957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis w\u00fcrde den Zinssatz f\u00fcr diese Periode darstellen. Da sich die Ratenzahlungen aus Zins- und Tilgungszahlungen </span></div><div class=\"ps27958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammensetzen, unterliegen alle Komponenten einer Neuberechnung, als ob der Index plus Marge von Anfang an angewendet </span></div><div class=\"ps27959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">worden w\u00e4re. (ii) Bei CHF-Darlehen m\u00fcssten die ausstehenden Kapitalbetr\u00e4ge sowie die Raten neu berechnet werden, indem </span></div><div class=\"ps27960 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das CHF-Exposure zu dem zum Datum der jeweiligen Kreditvertr\u00e4ge g\u00fcltigen Wechselkurs in Euro umgerechnet wird und die <span class=\"f ps24\"> </span></span></div><div class=\"ps27961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raten berechnet werden, als ob die Kredite in Euro gew\u00e4hrt worden w\u00e4ren, jedoch unter Anwendung des CHF-Zinssatzes. Beide </span></div><div class=\"ps27962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ma\u00dfnahmen scheinen sowohl f\u00fcr laufende Kredite als auch f\u00fcr Kredite zu gelten, die in den letzten sechs Monaten vor dem </span></div><div class=\"ps27963 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datum des ANPC-Berichts (7. Juni 2024) zur\u00fcckgezahlt wurden. Raiffeisen Bank SA, Bukarest ist der Meinung, dass sie </span></div><div class=\"ps27964 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtskonform gehandelt hat und hat gegen den ANPC Bericht Rechtsmittel eingelegt. Beide von der ANPC beschlossenen </span></div><div class=\"ps27965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ma\u00dfnahmen sind ausgesetzt, bis eine endg\u00fcltige gerichtliche Entscheidung in der Sache vorliegt. Sollte diese Klage abgewiesen </span></div><div class=\"ps27966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, w\u00fcrde dies infolge der beiden zuvor erw\u00e4hnten Neuberechnungsma\u00dfnahmen, zu R\u00fcckzahlungen an Kund:innen f\u00fchren. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Dezember 2025 obsiegte die Raiffeisen Bank SA, Bukarest, im Rechtsstreit gegen den ANPC-Bericht in der Sache. Die ANPC </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann gegen diese gerichtliche Entscheidung ein Rechtsmittel einlegen.</span></div><div class=\"ps27967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Bankgesch\u00e4ft<span id=\"i9f21916d3a374dc2aea307f0f2e8b558\"></span></span></div><div class=\"ps11633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI und ihre Tochterunternehmen erbringen Dienstleistungen f\u00fcr Firmenkunden, welche auf operativer Ebene das Risiko von </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten erh\u00f6hen. Die wesentlichsten F\u00e4lle sind:</span></div><div class=\"ps4654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach der Insolvenz der Alpine Holding GmbH (Alpine) im Jahr 2013 reichten Kleinanleger:innen in \u00d6sterreich eine Reihe von </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen im Zusammenhang mit einer von der Alpine im Jahr 2012 begebenen Anleihe im Gesamtnennbetrag von \u20ac 100 Millionen </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI und ein weiteres Kreditinstitut ein. Die Anspr\u00fcche gegen die RBI beliefen sich urspr\u00fcnglich auf etwa \u20ac 10 Millionen. </span></div><div class=\"ps3361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamthaft wurden Klagen in H\u00f6he von rund \u20ac 8 Millionen direkt durch einzelne Anleger:innen oder indirekt mittels <span class=\"f ps24\"> </span></span></div><div class=\"ps5149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sammelklage durch die Kammer f\u00fcr Arbeiter und Angestellte geltend gemacht. Aufgrund einiger eingestellter Verfahren sowie </span></div><div class=\"ps5150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von beschr\u00e4nkten Anspr\u00fcchen reduzierte sich der Streitwert der gegen\u00fcber der RBI anh\u00e4ngigen Gerichtsverfahren auf rund \u20ac </span></div><div class=\"ps5151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">6,3 Millionen. Vorgebracht wird unter anderem, dass die Banken als Joint Lead Manager der Anleiheemission gehandelt h\u00e4tten </span></div><div class=\"ps5152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und zum Zeitpunkt der Emission Kenntnis von finanziellen Problemen der Alpine hatten oder zumindest Kenntnis davon h\u00e4tten </span></div><div class=\"ps5153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben m\u00fcssen. Ihnen sollte daher bekannt gewesen sein, dass die Alpine nicht imstande gewesen sei, die Anleihen gem\u00e4\u00df den </span></div><div class=\"ps5154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleihebedingungen zur\u00fcckzuzahlen. Die Kl\u00e4ger behaupten, dass der Kapitalmarktprospekt in Bezug auf die Anleihe irref\u00fchrend </span></div><div class=\"ps19908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und unvollst\u00e4ndig gewesen sei und die Joint Lead Manager einschlie\u00dflich der RBI, dies gewusst h\u00e4tten. Im Dezember 2023 hat </span></div><div class=\"ps27968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Gericht in erster Instanz in mehreren zusammengefassten Verfahren in einem Teilurteil die auf Prospekthaftung </span></div><div class=\"ps27969 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basierenden Anspr\u00fcche von Anleger:innen gegen die RBI in H\u00f6he von insgesamt rund \u20ac 5,9 Millionen abgewiesen. Das </span></div><div class=\"ps27970 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzliche Urteil wurde vom Gericht zweiter Instanz best\u00e4tigt. Die Kl\u00e4ger haben dagegen im September 2024 Revision </span></div><div class=\"ps27971 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim Obersten Gerichtshof erhoben. Die H\u00f6he der Anspr\u00fcche gegen die RBI in diesem Rechtsmittelverfahren wurde von \u20ac 5,9 </span></div><div class=\"ps27972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen auf \u20ac 5,7 Millionen reduziert. Der Oberste Gerichtshof hat die kl\u00e4gerische Revision in diesem Sammelverfahren mit </span></div><div class=\"ps27973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung vom 23. Juli 2025 zur\u00fcckgewiesen. Weiters konnte die RBI eine Reihe weiterer Verfahren im Vergleichsweg </span></div><div class=\"ps27974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beenden und ihre Verfahrenskosten teilweise ersetzt erhalten. Nach den durch die Revisionsentscheidung erledigten Verfahren </span></div><div class=\"ps27975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist die Anzahl aller ansonsten anh\u00e4ngiger Verfahren auf lediglich zwei (Gesamtstreitwert rund \u20ac 0,5 Millionen) gesunken. </span></div><div class=\"ps27976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im ersten Quartal 2021 erfuhr die RBI von einer Klage, die ein indonesisches Unternehmen bereits im November 2020 in Jakarta </span></div><div class=\"ps27977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen sie eingereicht hatte. Die behauptete Forderung auf Ersatz von Verm\u00f6genssch\u00e4den wird mit rund USD 129 Millionen </span></div><div class=\"ps27978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u20ac\u00a0110 Millionen) und die auf Ersatz von ideellen Sch\u00e4den mit USD 200 Millionen (\u20ac 170 Millionen) beziffert. Die Klage wurde der </span></div><div class=\"ps27979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI im Mai 2022 zugestellt. Am 27. Juni 2023 entschied das Bezirksgericht S\u00fcd-Jakarta (Pengadilan Negeri Jakarta Selatan), dass </span></div><div class=\"ps27980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI gegen\u00fcber dem indonesischen Unternehmen eine rechtswidrige Handlung gesetzt habe, und verurteilte die RBI zur </span></div><div class=\"ps27981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlung von Schadenersatz in H\u00f6he von USD 119 Millionen (\u20ac 101 Millionen). Die RBI hat angesichts der Rechts- und Faktenlage </span></div><div class=\"ps27982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen dieses Urteil beim Landesgericht Jakarta (Pengadilan Tinggi Jakarta) Berufung erhoben. Im M\u00e4rz 2024 entschied das </span></div><div class=\"ps27983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landesgericht Jakarta zugunsten der RBI und wies die Klage mangels indonesischer Gerichtsbarkeit zur\u00fcck. Der Kl\u00e4ger brachte </span></div><div class=\"ps27984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Juni 2024 eine Revision beim Obersten Gerichtshof Indonesiens (Mahkamah Agung Republik Indonesia) ein, gegen welche die </span></div><div class=\"ps27985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI eine Revisionsbeantwortung einreichte. W\u00e4hrend auf der Internetseite des Bezirksgerichts S\u00fcd-Jakarta die Abweisung der </span></div><div class=\"ps27986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Revision vermerkt ist, ist die Zustellung dieser Entscheidung des Obersten Gerichtshofs Indonesiens an RBI noch ausst\u00e4ndig.</span></div><div class=\"ps27987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI ist in einem Rechtsstreit mit einem Unternehmen auf den Cayman Islands (Cayman Islands Gesellschaft) und anderen </span></div><div class=\"ps27988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien (einschlie\u00dflich mehrerer Tochterunternehmen und einem Vorstandsmitglied der Cayman Islands Gesellschaft) </span></div><div class=\"ps27989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beteiligt, bei dem es um die Nichtzahlung unter Garantien geht, die von der fr\u00fcheren Muttergesellschaft der Cayman Islands </span></div><div class=\"ps19845 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (Muttergesellschaft) gegeben wurden. Im August 2019 leitete die RBI ein Verfahren gegen die Cayman Islands </span></div><div class=\"ps19846 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (und weitere Gegenparteien) beim Grand Court of the Cayman Islands, Financial Services Division (dem Gerichtshof </span></div><div class=\"ps19847 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Cayman Islands) ein. In diesen Verfahren macht RBI, allgemein formuliert, geltend, dass die Muttergesellschaft durch eine </span></div><div class=\"ps19848 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reihe betr\u00fcgerischer Transfers (das Betrugsschema) ihrer Verm\u00f6genswerte beraubt wurde, um die Durchsetzung von Garantien </span></div><div class=\"ps19849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugunsten der RBI zu verhindern. Im September 2019 erwirkte die RBI eine einstweilige Verf\u00fcgung gegen die Cayman Islands </span></div><div class=\"ps19850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft, die die M\u00f6glichkeit, \u00fcber ihr Verm\u00f6gen zu verf\u00fcgen, einschr\u00e4nkte (die Freezing Order), bis das Verfahren vor dem </span></div><div class=\"ps19851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtshof der Cayman Islands entschieden wird. Im November 2019 reichte die Cayman Islands Gesellschaft eine Bestreitung </span></div><div class=\"ps19852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und eine Gegenklage vor dem Gerichtshof der Cayman Islands ein, die darin enthaltene Gegenklage in H\u00f6he von \u20ac 203 Millionen </span></div><div class=\"ps27990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI. Die Cayman Islands Gesellschaft baut ihre Gegenklage dabei auf Dokumenten auf, deren Vorlage die Cayman </span></div><div class=\"ps27991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands Gesellschaft bislang verweigert hat. Das Verfahren vor dem Gerichtshof der Cayman Islands wurde im Jahr 2020 um </span></div><div class=\"ps27992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Gegenparteien erweitert. Im Dezember 2021 wies das Berufungsgericht der Cayman Islands die Versuche der Cayman </span></div><div class=\"ps27993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands Gesellschaft und anderer Gegenparteien ab, die Freezing Order und die Zust\u00e4ndigkeit des Gerichtshofs der Cayman </span></div><div class=\"ps27994 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands anzufechten. Diese Antr\u00e4ge wurden abgelehnt und der RBI ein Kostenersatz zugesprochen. Im Jahr 2023 \u00e4nderte die RBI </span></div><div class=\"ps27995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihre Klage ab, nahm ein Vorstandsmitglied der Cayman Islands Gesellschaft (Vorstandsmitglied) als Gegenpartei in die </span></div><div class=\"ps27996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren vor dem Gerichtshof der Cayman Islands auf und erh\u00f6hte ihre Schadenersatzforderung von rund \u20ac 44 Millionen auf </span></div><div class=\"ps27997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rund \u20ac 106 Millionen, zuz\u00fcglich Zinsen und Kosten. \u00dcber einen Antrag des Vorstandsmitglieds auf Anfechtung der Zust\u00e4ndigkeit </span></div><div class=\"ps27998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und seine Miteinbeziehung in das Verfahren vor dem Gerichtshof der Cayman Islands wurde im Februar 2025 verhandelt und </span></div><div class=\"ps27999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Antrag im April 2025 abgewiesen, wobei RBI ein Kostenersatz zugesprochen wurde. Die Klagebeantwortung des </span></div><div class=\"ps28000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorstandsmitgliedes wurde im August 2025 eingebracht. Nach einer \u201eCase Management Conference\u201c -Tagsatzung (iW: </span></div><div class=\"ps28001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Festlegung des Prozesszeitplans) im September 2025 wurde angeordnet, dass das Hauptverfahren am ersten verf\u00fcgbaren </span></div><div class=\"ps28002 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Termin nach dem 2. April 2027 beginnen soll. Ebenfalls im September 2025 wurde das Verfahren um eine neue Gegenpartei (eine </span></div><div class=\"ps28003 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaft der Cayman Islands Gesellschaft) erweitert. Diese Gegenpartei gab dem Gerichtshof der Cayman Islands </span></div><div class=\"ps28004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungserkl\u00e4rungen im Wesentlichen in derselben Form ab wie die Freezing Order, und sowohl die Cayman Islands </span></div><div class=\"ps28005 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft als auch die neue Gegenpartei wurden angewiesen, alle ihre Verm\u00f6genswerte im Wert von \u00fcber \u20ac 3 Millionen </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">offenzulegen, wobei weitere Informationen von den Wirtschaftspr\u00fcfern der Cayman Islands Gesellschaft bereitgestellt werden </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollen, um die \u00dcberwachung der Freezing Order zu unterst\u00fctzen. Weitere damit verbundene Verfahren wurden von </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien innerhalb der Unternehmensgruppe der Cayman Islands Gesellschaft gegen die RBI eingebracht, unter anderem </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Malta und British Columbia (Kanada). Diese Verfahren werden von RBI ausgefochten, aber nur mit dem Ziel von </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Feststellungen und nicht eines Schadenersatzanspruches.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Februar 2025 wurde der Kathrein Privatbank Aktiengesellschaft (Kathrein), einer Tochtergesellschaft der RBI, eine beim </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelsgericht Wien eingebrachte Klage auf Schadensersatz in H\u00f6he von \u20ac 50 Millionen und Feststellung der Haftung </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bewertung \u20ac 1 Million) im Zusammenhang mit Malversationen eines fr\u00fcheren Mitarbeiters der Kathrein zugestellt. Obwohl </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kathrein den Kl\u00e4ger in H\u00f6he des von der Malversation betroffenen Betrags bereits entsch\u00e4digt hatte, konnte sie mit dem </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kl\u00e4ger keine au\u00dfergerichtliche Einigung \u00fcber die H\u00f6he des damit verbundenen hypothetischen Gewinnentgangs erzielen. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nichtsdestotrotz werden weitere au\u00dfergerichtliche Vergleichsverhandlungen parallel zum Gerichtsverfahren gef\u00fchrt. Der </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geforderte Betrag ist deutlich h\u00f6her als der von Kathrein berechnete Betrag, der auch durch ein externes Gutachten gest\u00fctzt </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird. Aufgrund der Rechtseinsch\u00e4tzung der Kathrein wurde eine R\u00fcckstellung in angemessener H\u00f6he gebildet.</span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende Juni 2025 reichte ein russischer Firmenkunde der AO Raiffeisenbank beim Schiedsgericht Moskau eine Schadenersatzklage </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in H\u00f6he von etwa \u20ac 337 Millionen gegen die AO Raiffeisenbank ein. Der Kl\u00e4ger behauptet, Verluste erlitten zu haben, die aus </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Nichtzustandekommen des Verkaufs von Anteilen an einer deutschen Tochtergesellschaft, die eine Produktionsanlage in </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Deutschland betreibt, resultierten. Der Kl\u00e4ger warf der AO Raiffeisenbank, die Beratungsleistungen im Zusammenhang mit dem </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glichen Verkauf erbracht hatte, vor, dass sie f\u00fcr dieses Scheitern verantwortlich gewesen sei. Die Klage ist beim </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schiedsgericht Moskau anh\u00e4ngig. Parallel dazu werden Verhandlungen \u00fcber einen au\u00dfergerichtlichen Vergleich gef\u00fchrt. Am 2. </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2025 zog der Kl\u00e4ger seine Klage gegen die AO Raiffeisenbank zur\u00fcck und das Schiedsgericht Moskau beendete das </span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren ohne eine Zahlungsverpflichtung der AO Raiffeisenbank gegen\u00fcber dem russischen Kl\u00e4ger. </span></div><div class=\"ps28006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Durchsetzung durch Regulierungsbeh\u00f6rden<span id=\"i412206e6a7b74809b16ca3c6c144d47c\"></span></span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI und ihre Tochterunternehmen unterliegen zahlreichen nationalen und internationalen Regulierungsbeh\u00f6rden.</span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im M\u00e4rz 2018 wurde von der FMA im Rahmen eines Verwaltungsstrafverfahrens gegen die RBI eine Verwaltungsstrafe in H\u00f6he </span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 2,7 Millionen (die auf der Grundlage des konsolidierten Jahresumsatzes der RBI berechnet wurde und sich auf 0,06 Prozent </span></div><div class=\"ps26123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des letzten verf\u00fcgbaren konsolidierten Jahresumsatzes bel\u00e4uft) f\u00fcr eine angebliche Nichteinhaltung von formalen </span></div><div class=\"ps26124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dokumentationspflichten im Zusammenhang mit dem Know-your-Customer-Prinzip verh\u00e4ngt (Urspr\u00fcngliche FMA- <span class=\"f ps24\"> </span></span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung). Nach Auslegung der \u00f6sterreichischen Finanzmarktaufsicht (FMA) hatte die RBI in einigen wenigen Einzelf\u00e4llen </span></div><div class=\"ps22515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diese administrativen Verpflichtungen nicht eingehalten. Die FMA behauptete nicht, dass Geldw\u00e4sche oder ein anderes </span></div><div class=\"ps22516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf eine kriminelle Handlung oder ein Zusammenhang mit einer </span></div><div class=\"ps22517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solchen best\u00fcnde. Die RBI vertrat die Auffassung, dass sie allen Sorgfaltspflichten in Bezug auf die Know-your-Customer-<span class=\"f ps24\"> </span></span></div><div class=\"ps22518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anforderungen ordnungsgem\u00e4\u00df nachgekommen sei, und erhob Beschwerde gegen die Urspr\u00fcngliche FMA-Entscheidung in ihrer </span></div><div class=\"ps22519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtheit. Das Bundesverwaltungsgericht (BVwG) best\u00e4tigte die urspr\u00fcngliche FMA-Entscheidung (Erste <span class=\"f ps24\"> </span></span></div><div class=\"ps28007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung), wogegen die RBI jedoch in vollem Umfang Revision erhob. Im Dezember 2019 hob der </span></div><div class=\"ps28008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgerichtshof (VwGH) die Erste Berufungsentscheidung auf und wies den Fall an das BVwG zur\u00fcck. In der erneuten </span></div><div class=\"ps28009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 6. Mai 2021 die urspr\u00fcngliche FMA-Entscheidung grunds\u00e4tzlich erneut, </span></div><div class=\"ps28010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">senkte jedoch die Verwaltungsstrafe auf \u20ac 824 Tausend und lie\u00df erneut eine (zweite) Revision vor dem VwGH zu (Zweite </span></div><div class=\"ps28011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df Revision. Im Juli 2023 hob der VwGH die zweite Berufungsentscheidung auf </span></div><div class=\"ps28012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und wies den Fall wieder an das BVwG zur\u00fcck. In der erneuten Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 25. April </span></div><div class=\"ps28013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 grunds\u00e4tzlich erneut die urspr\u00fcngliche FMA-Entscheidung, aber senkte die Verwaltungsstrafe auf \u20ac 2 Millionen (von dem </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der urspr\u00fcnglichen FMA-Entscheidung verh\u00e4ngten Betrag von \u20ac 2,7 Millionen) und lie\u00df erneut eine (dritte) Revision vor dem </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">VwGH zu (Dritte Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df am 7. Juni 2024 Revision. Es wurde eine R\u00fcckstellung in </span></div><div class=\"ps5123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessener H\u00f6he gebildet.</span></div><div class=\"ps22530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im September 2018 wurden im Rahmen eines Verwaltungsverfahrens zwei Verwaltungsstrafen in H\u00f6he von insgesamt PLN 55 </span></div><div class=\"ps22531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 13 Millionen) gegen Raiffeisen Bank Polska S.A (RBPL), die ehemalige polnische Tochtergesellschaft der RBI, verh\u00e4ngt, </span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">da sie ihren Pflichten als Verwahrstelle und Liquidator bestimmter Investmentfonds angeblich nicht nachgekommen ist. Die </span></div><div class=\"ps23989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBPL als Verwahrstelle von Investmentfonds hat im Februar 2018 die Rolle des Liquidators f\u00fcr bestimmte Fonds \u00fcbernommen. <span class=\"f ps24\"> </span></span></div><div class=\"ps23990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach Einsch\u00e4tzung der polnischen Finanzaufsichtsbeh\u00f6rde (KNF) ist die RBPL bestimmten Verpflichtungen in ihrer Funktion als </span></div><div class=\"ps28014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Depotbank und Liquidator der Fonds nicht nachgekommen. Im Zuge der Transaktionen im Zusammenhang mit dem Verkauf </span></div><div class=\"ps28015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Kernbankengesch\u00e4fts der RBPL an die Bank BGZ BNP Paribas S.A. hat die RBI die Verantwortung f\u00fcr die dargelegten </span></div><div class=\"ps28016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsverfahren und die damit verbundenen Strafen \u00fcbernommen. Die RBI hat gegen s\u00e4mtliche Strafen Berufung </span></div><div class=\"ps28017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingelegt. Im September 2019 hat das Verwaltungsgericht der Woiwodschaft der Berufung der RBI in Bezug auf die Strafe in </span></div><div class=\"ps28018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) bez\u00fcglich der Pflichten der RBPL als Depotbank stattgegeben und die Entscheidung der </span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">KNF vollst\u00e4ndig aufgehoben. Die KNF legte gegen das Urteil Kassationsbeschwerde ein. Im Hinblick auf die Geldstrafe in H\u00f6he </span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von PLN 50 Millionen (\u20ac 12 Millionen) in Bezug auf die Funktion der RBPL als Liquidator hat das Verwaltungsgericht der </span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Woiwodschaft die Berufung abgewiesen und die Entscheidung der KNF vollst\u00e4ndig best\u00e4tigt. Die RBI hat beim Obersten </span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht Kassationsbeschwerde eingelegt, da sie der Ansicht ist, dass die RBPL all ihren Pflichten vollumf\u00e4nglich </span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachgekommen ist. Im April 2023 verwies das Oberste Verwaltungsgericht den Fall bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 5 </span></div><div class=\"ps28019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 1 Million) zur erneuten Pr\u00fcfung an das Verwaltungsgericht der Woiwodschaft zur\u00fcck. Weiters hat das Oberste </span></div><div class=\"ps28020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht die Kassationsbeschwerde der RBI bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac 12 Millionen) </span></div><div class=\"ps28021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgewiesen. Diese ist nunmehr final. Allerdings legte die RBI im Oktober 2023 beim Europ\u00e4ischen Gerichtshof f\u00fcr </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Menschenrechte Beschwerde in Bezug auf dieses Urteil ein. Im Oktober 2023 hat das Verwaltungsgericht der Woiwodschaft die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufung der RBI abgewiesen und die Entscheidung der KNF, welche die Strafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) gegen die </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI aufgrund angeblicher Pflichtverletzung als Depotbank f\u00fcr bestimmte Investmentfonds verh\u00e4ngte, best\u00e4tigt. Gegen dieses </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteil wurde beim Obersten Verwaltungsgericht Kassationsbeschwerde eingelegt. Im Februar 2025 hat das Oberste </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht die Kassationsbeschwerde der RBI bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgewiesen. Diese ist nunmehr final. Im Juli 2025 reichte die RBI auch eine Beschwerde beim Europ\u00e4ischen Gerichtshof f\u00fcr </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Menschenrechte betreffend diese Entscheidung ein. Beide Geldstrafen, d. h. die Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Million) und die Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac 12 Millionen), wurden bereits bezahlt.</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang wurden mehrere Einzelklagen und vier Sammelklagen, in denen Anspr\u00fcche von Inhaber:innen von </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zertifikaten der oben genannten Investmentfonds zusammengefasst werden, gegen die RBI eingereicht. Der Gesamtstreitwert </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">per 31. Dezember 2025 betr\u00e4gt rund PLN 81 Millionen (\u20ac 19 Millionen). Dar\u00fcber hinaus wurde die RBI dar\u00fcber informiert, dass dem </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht zwei \u00c4nderungen der Klageschrift vorgelegt wurden, die zu einer Erh\u00f6hung des Gesamtstreitwerts um rund PLN 93 </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 22 Millionen) f\u00fchren k\u00f6nnten. Die erste dieser \u00c4nderungen \u00fcber einen Betrag von circa PLN 91 Millionen (\u20ac 22 </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) wurde der RBI jedoch noch nicht zugestellt. Die Kl\u00e4ger im Rahmen der Sammelklagen fordern, dass die Verantwortung </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI f\u00fcr die behaupteten mangelhaften Leistungen der RBPL (deren Rechtsnachfolgerin die RBI ist) als Depotbank </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgestellt wird. Eine derartige Feststellung w\u00fcrde die finanziellen Anspr\u00fcche der Kl\u00e4ger f\u00fcr weitere Rechtsstreitigkeiten </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sichern und erleichtern. Aufgrund der Rechtseinsch\u00e4tzung der RBI wurde keine R\u00fcckstellung gebildet. </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI eine Anzahl von Benachrichtigungen \u00fcber Anspr\u00fcche seitens BNP im Zusammenhang mit </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Bankgesch\u00e4ften, f\u00fcr die BNP Rechtsnachfolger der RBPL ist, erhalten. Diese Forderungsmitteilungen beziehen sich </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haupts\u00e4chlich auf Verwaltungsverfahren, die von der KNF (Polish Financial Supervision Authority) im Zusammenhang mit </span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angeblichen Vers\u00e4umnissen der RBPL/BNP als Verwahrer von Investmentfonds durchgef\u00fchrt wurden, und k\u00f6nnen zu </span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldstrafen f\u00fchren. Dar\u00fcber hinaus wurden in diesem Zusammenhang Anspr\u00fcche von Anleger:innen gegen\u00fcber der BNP </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erhoben. Die RBI unterst\u00fctzt die BNP in diesen Zusammenhang. Die finanziellen Auswirkungen sind derzeit nicht absch\u00e4tzbar.</span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 wurde die RBI von der FMA informiert, dass ein Verwaltungsstrafverfahren wegen einer angeblichen <span class=\"f ps24\"> </span></span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nichteinhaltung von bestimmten rechtlichen Vorschriften bez\u00fcglich dem Know-Your-Customer Prinzip in Verbindung mit drei </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kunden aus dem Korrespondenzbankgesch\u00e4ft der RBI eingeleitet wurde. Die verfahrensgegenst\u00e4ndlichen Transaktionen </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden von der RBI zwischen 2017 und 2020 abgewickelt. Gem\u00e4\u00df der Auslegung der FMA h\u00e4tte sich die RBI nicht ausreichend </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">davon \u00fcberzeugt, dass diese Banken angemessene Due-Diligence-Prozesse zu ihren eigenen Kunden aus deren eigenen </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzbankgesch\u00e4ft implementiert h\u00e4tten. Daher w\u00e4re es der RBI, aus Sicht der FMA, nicht gelungen, ihre </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen aus den entsprechenden Verwaltungsvorschriften vollst\u00e4ndig zu erf\u00fcllen. Die FMA hat allerdings nicht </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">behauptet, dass tats\u00e4chlich Geldw\u00e4sche oder ein anderes Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf oder in </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit einer anderen kriminellen Handlung vorgelegen sei. Im Juni 2024 stellte FMA das </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsstrafverfahren in Bezug auf eine Bank ohne Strafe ein, verh\u00e4ngte aber eine Verwaltungsstrafe von \u20ac 2,07 Millionen </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber RBI in Bezug auf die anderen beiden Banken. Im Juli 2024 brachte RBI ein Rechtsmittel beim Bundesverwaltungsgericht </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(BVwG) ein und daher ist die Verwaltungsstrafe noch nicht rechtskr\u00e4ftig. Das BVwG hat mittlerweile den EuGH um </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorabentscheidung \u00fcber die Einbindung und die Behandlung von nat\u00fcrlichen Personen, die f\u00fcr eine juristische Person t\u00e4tig sind, </span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als Voraussetzung f\u00fcr die Bestrafung eben solcher juristischen Person ersucht. Das Verfahren vor dem EuGH ist derzeit noch </span></div><div class=\"ps27754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht abgeschlossen.</span></div><div class=\"ps2442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 erhielt die RBI ein Auskunftsersuchen (RFI) vom Amt zur Kontrolle von Auslandsverm\u00f6gen (OFAC) des US-</span></div><div class=\"ps2444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzministeriums. OFAC \u00fcberwacht und vollstreckt Wirtschafts- und Handelssanktionen auf der Grundlage der US-</span></div><div class=\"ps28023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Au\u00dfenpolitik und der nationalen Sicherheitsziele. Ein Versto\u00df gegen US-Sanktionen kann unter anderem Geldstrafen, das </span></div><div class=\"ps28024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einfrieren von Konten oder die Beendigung von Gesch\u00e4ftsbeziehungen mit US-Korrespondenzbanken zur Folge haben. Die von </span></div><div class=\"ps28025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">OFAC im RFI aufgeworfenen Fragen zielen darauf ab, den Zahlungsverkehr und die damit verbundenen Prozesse der RBI mit US-</span></div><div class=\"ps28026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzbanken vor dem Hintergrund der Entwicklungen im Zusammenhang mit Russland und der Ukraine zu kl\u00e4ren. Die </span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI arbeitet seit M\u00e4rz 2023 auch mit dem US-Justizministerium (U.S. Department of Justice - DOJ) im Zusammenhang mit einer </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">DOJ-Anfrage zur Einhaltung der Sanktionen gegen Russland durch die RBI zusammen. Ein Versto\u00df gegen das US-Strafrecht im </span></div><div class=\"ps27763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit Sanktionen kann unter anderem zu Geldstrafen oder der Ernennung eines Beobachters f\u00fchren. Die RBI </span></div><div class=\"ps27764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgt aus Prinzip \u00fcber Richtlinien und Verfahren, die konzipiert sind um die Einhaltung anwendbarer Embargos und </span></div><div class=\"ps27765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzsanktionen sicherzustellen, und kooperiert in Bezug auf deren Anfragen uneingeschr\u00e4nkt mit OFAC und DOJ, soweit dies </span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach geltenden Gesetzen und Vorschriften zul\u00e4ssig ist.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(46) Sonstige Vereinbarungen<span id=\"i4e45134c76fb4c5e9b4e92668d8d9242\"></span></span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Institutsbezogenes Sicherungssystem (Raiffeisen-IPS)<span id=\"if026d990b43f44018ef026f64fbdaf03\"></span></span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Raiffeisen Bank International AG, ihre \u00f6sterreichischen Tochterbanken, die Raiffeisen-Landeszentralen und die </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbanken geh\u00f6ren der Vereinbarung \u00fcber ein institutsbezogenes Sicherungssystem (Raiffeisen-IPS) und der </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichischen Raiffeisen-Sicherungseinrichtung eGen (\u00d6RS) als gesetzlicher Sicherungseinrichtung an. </span></div><div class=\"ps28033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Vereinbarung \u00fcber das Raiffeisen-IPS verpflichten sich die teilnehmenden Institute, einander gegenseitig abzusichern und </span></div><div class=\"ps28034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere bei Bedarf einander die Liquidit\u00e4t und Solvenz sicherzustellen. Dieses Raiffeisen-IPS wurde von den zust\u00e4ndigen </span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsbeh\u00f6rden EZB und FMA als institutsbezogenes Sicherungssystem im Sinne von Artikel 113 Abs 7 CRR </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Kapitalad\u00e4quanzverordnung der Europ\u00e4ischen Union \u2013 Capital Requirements Regulation) mit den damit verbundenen Rechten </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Pflichten der teilnehmenden Institute anerkannt. Danach d\u00fcrfen unter anderem Forderungen zwischen den Raiffeisen-IPS-</span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedern mit einem Risikogewicht von null Prozent angesetzt werden. Das Raiffeisen-IPS unterliegt einer gemeinsamen </span></div><div class=\"ps28035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufsichtsrechtlichen \u00dcberwachung. Es sind unter anderem die Eigenmittelbestimmungen auf konsolidierter Basis einzuhalten.</span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Raiffeisen-IPS mit der \u00d6RS als Sicherungseinrichtung wurde von der FMA als Einlagensicherungs- und </span></div><div class=\"ps28036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anlegerentsch\u00e4digungssystem gem\u00e4\u00df Einlagensicherungs- und Anlegerentsch\u00e4digungsgesetz (ESAEG) anerkannt. </span></div><div class=\"ps28037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die \u00d6RS nimmt f\u00fcr das Raiffeisen-IPS Aufgaben der Risikofr\u00fcherkennung und das Berichtswesen wahr. Die \u00d6RS verwaltet als </span></div><div class=\"ps28038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Treuh\u00e4nderin das liquide Sonderverm\u00f6gen des Raiffeisen-IPS. </span></div><div class=\"ps28039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Raiffeisen-IPS wird durch den Gesamtrisikorat gesteuert, der sich aus Vertreter:innen der RBI AG, der Raiffeisen-</span></div><div class=\"ps28040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landeszentralen und der Raiffeisenbanken zusammensetzt. Aufgaben, die auf Landesebene gel\u00f6st werden k\u00f6nnen, hat der </span></div><div class=\"ps28041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtrisikorat an Landesrisikor\u00e4te delegiert, die sich aus Vertreter:innen der jeweiligen Raiffeisen-Landeszentrale und den </span></div><div class=\"ps28042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbanken des Landes zusammensetzen.</span></div><div class=\"ps28043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6)<span id=\"i8afbcb1545c4449ba45296052420f35e\"></span></span></div><div class=\"ps28044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist Mitglied der Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6). Deren Vereinsmitglieder \u00fcbernehmen eine </span></div><div class=\"ps28045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Haftungsverpflichtung, durch die sie solidarisch die zeitgerechte Erf\u00fcllung aller Kundeneinlagen und </span></div><div class=\"ps28046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenemissionen eines insolventen Vereinsmitglieds bis zu jener Grenze garantieren, die sich aus der Summe der individuellen </span></div><div class=\"ps28047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tragf\u00e4higkeit der anderen Vereinsmitglieder ergibt. Die individuelle Tragf\u00e4higkeit eines Vereinsmitglieds bestimmt sich nach </span></div><div class=\"ps28048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den frei verwendbaren Reserven unter Ber\u00fccksichtigung der einschl\u00e4gigen Bestimmungen des BWG. </span></div><div class=\"ps28049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund von rechtlichen und regulatorischen \u00c4nderungen und der Einf\u00fchrung eines institutsbezogenen Sicherungssystems </span></div><div class=\"ps28050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben die Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6) und ihre Mitgliedsinstitutionen 2019 beschlossen, das </span></div><div class=\"ps28051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Programm f\u00fcr neue Transaktionen nicht mehr fortzuf\u00fchren. Dementsprechend gilt der Kundenschutz der RK\u00d6 nur f\u00fcr die </span></div><div class=\"ps28052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfassten Forderungen gegen Mitgliedsinstitute, die vor dem 1. Oktober 2019 eingegangen sind. Die Rechte der Kund:innen aus </span></div>der gesetzlichen Einlagensicherung sind davon unber\u00fchrt und bleiben im vollen Ausma\u00df bestehen.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-451": {
   "value": "<div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewinne/Verluste aus modifizierten Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Barwert\u00e4nderungen unwesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20736\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20214\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus der Ausbuchung aufgrund wesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen auf Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20737\">-50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen von nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20738\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen sowie Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20565\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr Umsatzsteuer - Zwischenbankbefreiung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde f\u00fcr kreditbezogene, portfolio-basierte Rechtsstreitigkeiten und Annullierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18452\">-302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20742\">-657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde aus Rechtsstreitigkeiten in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">-1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr einen Rechtsstreit in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20743\">-339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20744\">-840<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20745\">-1.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20746\">-1.590<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Wertminderungen/-aufholungen auf Anteile an Tochterunternehmen und assoziierten Unternehmen belief sich auf </span></div><div class=\"ps20760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">21</span><span class=\"f charStyle-9eccfdcb ps20757\"> Millionen (Vorjahr: minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20758\">50</span><span class=\"f charStyle-9eccfdcb ps20759\"> Millionen). Davon entfielen \u20ac 28 Millionen (Vorjahr: minus \u20ac 45 Millionen) auf at-equity <span class=\"f ps24\"> </span></span></div><div class=\"ps20761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertete Unternehmen, sowie minus \u20ac 7 Millionen (Vorjahr: minus \u20ac 4 Millionen) auf Wertminderungen auf Anteile an </span></div><div class=\"ps20762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen. In der Berichtsperiode resultierten die gr\u00f6\u00dften Einzeleffekte aus der Bewertung der Prva stavebna </span></div><div class=\"ps20763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sporitelna a.s., Oesterreichische Kontrollbank Aktiengesellschaft und der Leipnik-Lundenburger Invest Beteiligungs AG. </span></div><div class=\"ps29405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Unternehmen, mit denen ein Beteiligungsverh\u00e4ltnis besteht<span id=\"iffd26f96ec5b4ac19a535d5efe43b793\"></span></span></div><div class=\"ps29434 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Accession Mezzanine Capital III L.P. (in liquidation), St. Helier (JE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:48.38pt\"></span></span><span class=\"ps29406\">1.501<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29407\"></span><span class=\"ps29407\">3,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Aedificium Banca pentru Locuinte S.A. - in Liquidation, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.88pt\"></span></span><span class=\"ps29408\">25.000.320<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25207\"></span><span class=\"ps25207\">100,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Agricultural Open Joint Stock Company Illintsi Livestock Breeding Enterprise, Illinci (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.18pt\"></span></span><span class=\"ps8777\">703.100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29409\"></span><span class=\"ps29409\">4,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Agro.Club Inc., New York (US)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.83pt\"></span></span><span class=\"ps20421\">240<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27018\"></span><span class=\"ps27018\">8,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">AIL Swiss-Austria Leasing AG, Glattbrugg (CH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.42pt\"></span></span><span class=\"ps29393\">5.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ALCS Association of Leasing Companies in Serbia, Belgrad (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.43pt\"></span></span><span class=\"ps17898\">853.710<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16886\"></span><span class=\"ps16886\">12,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Analytical Credit Rating Agency (Joint Stock Company), Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:24.74pt\"></span></span><span class=\"ps29410\">3.000.024.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13255\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps541\"></span><span class=\"ps541\">3,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">A-Trust GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.98pt\"></span></span><span class=\"ps19685\">5.290.013<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29411\"></span><span class=\"ps29411\">12,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austrian Growth Capital Fund SCSp, Senningerberg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.9pt\"></span></span><span class=\"ps27478\">132.919.213<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15640\"></span><span class=\"ps15640\">18,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Austrian Reporting Services GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:45.45pt\"></span></span><span class=\"ps29412\">41.176<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1816\"></span><span class=\"ps1816\">13,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Autenti Sp. z o.o., Posen (PL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.9pt\"></span></span><span class=\"ps19680\">6.811.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13123\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29409\"></span><span class=\"ps29409\">7,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Bad Sauerbrunn Thermalwasser Nutzungs- und Verwertungs GmbH., Bad Sauerbrunn (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Bankovni identita, a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.55pt\"></span></span><span class=\"ps8324\">3.881.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1814\"></span><span class=\"ps1814\">11,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Biroul de Credit S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.59pt\"></span></span><span class=\"ps29413\">4.114.615<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29414\"></span><span class=\"ps29414\">13,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">BTS Holding a.s. \"v likvid\u00e1cii\", Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.57pt\"></span></span><span class=\"ps11304\">35.700<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Budapest Stock Exchange, Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:31.13pt\"></span></span><span class=\"ps23475\">541.348.100<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">byrd technologies GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.61pt\"></span></span><span class=\"ps18106\">172.069<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26204\"></span><span class=\"ps26204\">2,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Central Depository and Clearing Company, Inc., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.18pt\"></span></span><span class=\"ps17741\">12.545.623<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CIT ONE SA, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.71pt\"></span></span><span class=\"ps10962\">21.270.270<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CloudCart AD, Sofia (BG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.46pt\"></span></span><span class=\"ps28410\">78.430<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6337\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14953\"></span><span class=\"ps14953\">5,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Commodity Exchange Crimean Interbank Currency Exchange, Simferopol (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.93pt\"></span></span><span class=\"ps17891\">420.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2704\"></span><span class=\"ps2704\">4,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CONATUS Grundst\u00fcckvermietungs Gesellschaft m.b.H. in Liqu., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29233 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">CULINA Grundst\u00fcckvermietungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29235 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">D. Trust Certifikacn\u00e1 Autorita, a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.25pt\"></span></span><span class=\"ps29417\">331.939<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29418\"></span><span class=\"ps29418\">10,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29237 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagensicherung AUSTRIA Ges.m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:55.44pt\"></span></span><span class=\"ps24215\">\u2014<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">1,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29239 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Elucidate GmbH, Berlin (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.95pt\"></span></span><span class=\"ps29419\">57.746<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29420\"></span><span class=\"ps29420\">5,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29241 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">EMERGING EUROPE GROWTH FUND II, L.P., Delaware (US)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.25pt\"></span></span><span class=\"ps29421\">370.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23117\"></span><span class=\"ps23117\">1,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29243 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">ESQUILIN Grundst\u00fccksverwaltungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29245 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps359 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Euro Banking Association (ABE Clearing S.A.S.), Paris (FR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29246 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.96pt\"></span></span><span class=\"ps20167\">48.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29247 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26204\"></span><span class=\"ps26204\">2,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29248 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">European Investment Fund S.A., Luxemburg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29249 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:25.24pt\"></span></span><span class=\"ps29422\">7.370.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29251 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Export and Industry Bank Inc., Makati City (PH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29252 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:25.41pt\"></span></span><span class=\"ps26722\">4.734.452.540<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29253 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10753\">PHP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1927\"></span><span class=\"ps1927\">9,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29254 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">FORIS Grundst\u00fcckvermietungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29255 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29257 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">G + R Leasing Gesellschaft m.b.H. &amp; Co. KG., Graz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29258 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.21pt\"></span></span><span class=\"ps20130\">72.673<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26652 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29260 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Garantiqa Hitelgarancia ZRt., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29261 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:25.17pt\"></span></span><span class=\"ps21194\">7.839.600.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29262 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26656 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24350\"></span><span class=\"ps24350\">0,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29263 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Greenix Limited, Tertholen (VG)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29264 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29265 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26660 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29266 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">HOBEX AG, Salzburg (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29267 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.28pt\"></span></span><span class=\"ps29423\">1.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29268 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27172\"></span><span class=\"ps27172\">8,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29269 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Hrvatski registar obveza po kreditima d.o.o., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29270 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.46pt\"></span></span><span class=\"ps7231\">1.791.758<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">10,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29273 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Joint Stock Company Stock Exchange PFTS, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29274 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.44pt\"></span></span><span class=\"ps12622\">32.010.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29276 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24350\"></span><span class=\"ps24350\">0,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29277 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Kommunal-Infrastruktur &amp; Immobilien Zeltweg GmbH, Zeltweg (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29278 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29279 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29280 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15055\"></span><span class=\"ps15055\">20,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29281 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps470 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">LITUS Grundst\u00fcckvermietungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29282 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29283 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29284 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29285 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps476 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Lorit Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29286 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">42.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29287 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29288 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29424\"></span><span class=\"ps29424\">8,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29289 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">MASTERINVEST Kapitalanlage GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29291 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.72pt\"></span></span><span class=\"ps5284\">2.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29293 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29425\"></span><span class=\"ps29425\">37,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29294 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps500 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Medicur - Holding Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29295 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.63pt\"></span></span><span class=\"ps29426\">4.360.500<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29297 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29298 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29299 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Mit.Einander Wohnen Bisamberg Projekterrichtungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29300 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29302 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15055\"></span><span class=\"ps15055\">20,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29303 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Monilogi s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29304 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.02pt\"></span></span><span class=\"ps29427\">2.250.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29306 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29428\"></span><span class=\"ps29428\">28,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29307 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7388 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">National Settlement Depositary, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29308 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:27.17pt\"></span></span><span class=\"ps1526\">1.180.675.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13255\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29310 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29311 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29312 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">N\u00d6 Raiffeisen Kommunalprojekte Service Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29313 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.07pt\"></span></span><span class=\"ps5233\">50.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29314 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29315 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29429\"></span><span class=\"ps29429\">26,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29316 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">N\u00d6 Raiffeisen-Leasing Gemeindeprojekte Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29318 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29320 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">1,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29321 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">N\u00d6-KL Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29322 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.38pt\"></span></span><span class=\"ps29430\">37.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29323 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29324 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29325 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6669 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Not a Hotel Venture Limited, Dublin (IE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29326 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.76pt\"></span></span><span class=\"ps28106\">6.476<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29328 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17608\"></span><span class=\"ps17608\">7,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29329 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5522 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Oberpinzg. Fremdenverkehrf\u00f6rderungs- und Bergbahnen AG, Neukirchen am Gro\u00dfvenediger (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29330 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.45pt\"></span></span><span class=\"ps11103\">3.297.530<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29331 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29332 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29333 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29334 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Open Joint Stock Company Kyiv Special Project and Design Bureau Menas, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29335 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.07pt\"></span></span><span class=\"ps25162\">3.383.218<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29336 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29338 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29409\"></span><span class=\"ps29409\">4,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29339 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Raiffeisen-Sicherungseinrichtung eGen, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29341 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.31pt\"></span></span><span class=\"ps29431\">121.200<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29342 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29343 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29420\"></span><span class=\"ps29420\">8,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29344 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Wertpapierdaten Service GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29345 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29347 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3235\"></span><span class=\"ps3235\">24,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29348 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29349 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Pisano Limited, London (GB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29350 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:47.14pt\"></span></span><span class=\"ps24900\">4.041<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29432\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29352 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29433\"></span><span class=\"ps29433\">17,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29353 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Private Joint Stock Company Bird Farm Bershadskyi, Viytivka (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.68pt\"></span></span><span class=\"ps25075\">6.691.141<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14953\"></span><span class=\"ps14953\">0,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Private Joint Stock Company First All-Ukrainian Credit Bureau, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.62pt\"></span></span><span class=\"ps17156\">11.750.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29436\"></span><span class=\"ps29436\">5,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Private Joint Stock Company Sumy Enterprise Agrotechservice, Sumy (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.6pt\"></span></span><span class=\"ps8113\">1.545.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">0,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Private Joint Stock Company Ukrainian Interbank Currency Exchange, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.23pt\"></span></span><span class=\"ps130\">36.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25058\"></span><span class=\"ps25058\">3,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">PSA Payment Services Austria GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.2pt\"></span></span><span class=\"ps29437\">285.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29204 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29411\"></span><span class=\"ps29411\">11,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Public Joint Stock Company National Depositary of Ukraine, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:30.19pt\"></span></span><span class=\"ps11964\">103.200.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15065 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Public Joint Stock Company Settlement Center for Servicing of Contracts in Financial Markets, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.56pt\"></span></span><span class=\"ps12640\">206.700.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15068 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Qivalis B.V., Amsterdam (NL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.96pt\"></span></span><span class=\"ps20131\">11.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29206 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23117\"></span><span class=\"ps23117\">9,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">QUIRINAL Grundst\u00fccksverwaltungs Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.63pt\"></span></span><span class=\"ps29438\">37.063<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Continuum GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29208 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29439\"></span><span class=\"ps29439\">14,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Continuum GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.25pt\"></span></span><span class=\"ps12635\">22.700.543<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29209 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29440\"></span><span class=\"ps29440\">29,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Continuum Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29211 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3813\"></span><span class=\"ps3813\">47,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Digital GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.46pt\"></span></span><span class=\"ps28410\">75.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26204\"></span><span class=\"ps26204\">1,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen e-force GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.04pt\"></span></span><span class=\"ps26614\">145.346<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps3007\"></span><span class=\"ps3007\">28,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29216 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Informatik Gesch\u00e4ftsf\u00fchrungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.29pt\"></span></span><span class=\"ps17382\">70.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23361\"></span><span class=\"ps23361\">47,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29218 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Kooperations eGen, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.37pt\"></span></span><span class=\"ps17948\">9.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29441\"></span><span class=\"ps29441\">11,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29220 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Landesbank K\u00e4rnten und Revisionsverband eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.08pt\"></span></span><span class=\"ps19667\">6.715.600<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29222 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Salzburg Leasing GmbH, Salzburg (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29224 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Software GmbH, Linz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.85pt\"></span></span><span class=\"ps29397\">150.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26204\"></span><span class=\"ps26204\">1,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29226 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen WohnBau Via Silva GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1897\"></span><span class=\"ps1897\">55,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29229 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1504\"><div><div class=\"ps1485 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RAIFFEISEN-HOLDING NIEDER\u00d6STERREICH-WIEN registrierte Genossenschaft mit beschr\u00e4nkter Haftung, <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Wien (AT)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.9pt\"></span></span><span class=\"ps8448\">96.391.536<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29230 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss633\"><div><div class=\"ps516 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29231 ss633\"><div><div class=\"ps516 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-IMPULS-Liegenschaftsverwaltung Gesellschaft m.b.H., Linz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29442 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.82pt\"></span></span><span class=\"ps15179\">500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29443 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13339\">ATS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21785 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29444 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Impuls-Zeta Immobilien GmbH, Linz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29445 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.48pt\"></span></span><span class=\"ps20697\">58.333<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29446 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21792 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2735\"></span><span class=\"ps2735\">40,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29447 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Landesbank Tirol AG, Rum (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29448 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.37pt\"></span></span><span class=\"ps13014\">90.850.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29449 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21799 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29450 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5220 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing BOT s.r.o., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29451 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29452 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21409\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29453 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15055\"></span><span class=\"ps15055\">20,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29454 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5223 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Mobilien und KFZ GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29455 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29456 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29457 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">15,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29458 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5225 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Registry of Securities in FBH, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29460 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.13pt\"></span></span><span class=\"ps29459\">2.052.300<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29461 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29463 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29462\"></span><span class=\"ps29462\">1,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29464 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Rehazentrum Kitzb\u00fchel Immobilien-Leasing GmbH, Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29465 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.18pt\"></span></span><span class=\"ps20291\">35.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29466 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29467 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29468 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">REMUS Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29469 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29470 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29471 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29472 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RLB Holding eGen O\u00d6, Linz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29473 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.33pt\"></span></span><span class=\"ps10129\">1.566.758<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29474 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29475 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29476 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6610 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RLKG Raiffeisen-Leasing GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29477 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.88pt\"></span></span><span class=\"ps29290\">40.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29478 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29479 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16886\"></span><span class=\"ps16886\">12,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29480 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25611 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RSAL Raiffeisen Steiermark Anlagenleasing GmbH, Graz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29481 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.09pt\"></span></span><span class=\"ps29391\">38.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29482 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29483 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29484 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9289 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RSC Raiffeisen Service Center GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29485 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.55pt\"></span></span><span class=\"ps22292\">2.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29486 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29487 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14968\"></span><span class=\"ps14968\">50,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29488 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6262 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">RSIL Immobilienleasing Raiffeisen Steiermark GmbH, Graz (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29489 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.09pt\"></span></span><span class=\"ps29391\">38.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29490 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29491 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1862\"></span><span class=\"ps1862\">19,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29492 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7340 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">S.C. DEPOZITARUL CENTRAL S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29493 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.32pt\"></span></span><span class=\"ps17983\">25.291.953<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29494 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29495 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps671\"></span><span class=\"ps671\">2,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29496 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28951 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Sarajevo Stock Exchange, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29497 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:37.11pt\"></span></span><span class=\"ps11113\">1.967.680<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29498 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11468\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29499 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11315\"></span><span class=\"ps11315\">10,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29500 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13987 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SELENE Raiffeisen-Immobilien-Leasing Gesellschaft m.b.H., Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29501 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.11pt\"></span></span><span class=\"ps20356\">36.400<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29502 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29503 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29415\"></span><span class=\"ps29415\">1,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29504 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6295 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SESAMm, Metz (FR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29505 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.29pt\"></span></span><span class=\"ps10660\">200.055<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29506 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29507 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18536\"></span><span class=\"ps18536\">3,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29508 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28964 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SKR Lager 102 AB, Stockholm (SE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29509 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:40.68pt\"></span></span><span class=\"ps20319\">100.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29510 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1466\">SEK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29512 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29511\"></span><span class=\"ps29511\">49,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29513 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28970 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Slovak Banking Credit Bureau, s.r.o., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29514 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.64pt\"></span></span><span class=\"ps22141\">9.958<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29515 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29516 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29517 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28976 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Societatea de Transfer de Fonduri si Decontari-TRANSFOND S.A, Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29518 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.06pt\"></span></span><span class=\"ps11463\">6.720.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29519 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11420\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29520 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29082\"></span><span class=\"ps29082\">3,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29521 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6317 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Society for Worldwide Interbank Financial Telekommunication scrl, La Hulpe (BE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29522 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:31.25pt\"></span></span><span class=\"ps14906\">629.671.620<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29523 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29525 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29524\"></span><span class=\"ps29524\">0,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29526 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SPRINT INTERMEDIATECO B.V., Hoofddorp (NL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29528 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:57.35pt\"></span></span><span class=\"ps29527\">2<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29529 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29530 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">0,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29531 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28989 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Steirische Gemeindegeb\u00e4ude Leasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29532 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29533 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29534 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29535 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5519 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Steirische Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29536 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29537 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29538 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29539 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6341 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Steirische Leasing f\u00fcr Gebietsk\u00f6rperschaften Ges.m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29540 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29541 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29542 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29543 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5258 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Steirische Leasing f\u00fcr \u00f6ffentliche Bauten Gesellschaft m.b.H. in Liqu., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29544 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29545 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29546 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29547 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7402 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">SWO Kommunalgeb\u00e4udeleasing Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29548 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29549 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29550 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5953\"></span><span class=\"ps5953\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29551 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29011 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Syrena Immobilien Holding AG, Spittal an der Drau (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29552 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.22pt\"></span></span><span class=\"ps22553\">22.600.370<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29553 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29554 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5964\"></span><span class=\"ps5964\">21,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29555 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29016 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tarfin Limited, London (GB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29556 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.33pt\"></span></span><span class=\"ps15102\">16.297.958<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29557 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29432\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29558 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1814\"></span><span class=\"ps1814\">11,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29559 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6933 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">The Zagreb Stock Exchange joint stock company, Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29561 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:38.13pt\"></span></span><span class=\"ps29560\">6.152.631<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29562 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29563 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps671\"></span><span class=\"ps671\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29564 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6675 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TKL II. Grundverwertungsgesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29566 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.13pt\"></span></span><span class=\"ps29565\">39.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29567 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29568 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29424\"></span><span class=\"ps29424\">8,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29569 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29030 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TKL VI Grundverwertungsgesellschaft m.b.H., Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29570 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.13pt\"></span></span><span class=\"ps29565\">39.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29571 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29572 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29573 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29036 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TKL VII Grundverwertungsgesellschaft m.b.H., Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29574 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.13pt\"></span></span><span class=\"ps29565\">39.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29575 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29576 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1951\"></span><span class=\"ps1951\">33,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29577 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29042 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TKL VIII Grundverwertungsgesellschaft m.b.H., Innsbruck (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29578 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.13pt\"></span></span><span class=\"ps29565\">39.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29579 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29580 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29581 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6691 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Tojon Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29582 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.29pt\"></span></span><span class=\"ps17382\">70.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29583 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29584 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29585 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29053 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">TRABITUS Grundst\u00fccksvermietungs Gesellschaft m.b.H. in Liqu., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29586 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29587 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29588 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1880\"></span><span class=\"ps1880\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29589 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29059 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">VALET-Grundst\u00fccksverwaltungs Gesellschaft m.b.H., St. P\u00f6lten (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29590 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.36pt\"></span></span><span class=\"ps20255\">36.360<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29591 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29592 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29416\"></span><span class=\"ps29416\">24,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29593 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7152 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">vc trade GmbH, Frankfurt am Main (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29595 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.68pt\"></span></span><span class=\"ps29594\">41.278<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29596 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29597 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1244\"></span><span class=\"ps1244\">9,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29598 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8308 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">VERMREAL Liegenschaftserwerbs- und -betriebs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29599 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.47pt\"></span></span><span class=\"ps23267\">36.336<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29600 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29601 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29433\"></span><span class=\"ps29433\">17,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29602 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8394 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">vestr AG, Zug (CH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29603 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.37pt\"></span></span><span class=\"ps18467\">235.310<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29604 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6254\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29605 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1927\"></span><span class=\"ps1927\">5,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29606 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:277.5pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15050 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-1dbd4d87 ps1979\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Visa Inc., San Francisco (US)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17347 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.33pt\"></span></span><span class=\"ps18384\">192.981<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29203 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9355\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps3255\">&lt;0,1%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Wiener B\u00f6rse Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17353 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.22pt\"></span></span><span class=\"ps1486\">18.620.720<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15075 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25748\"></span><span class=\"ps25748\">7,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Zhytomyr Commodity Agroindustrial Exchange, Schytomyr (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.51pt\"></span></span><span class=\"ps26616\">476.515<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15054 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25058\"></span><span class=\"ps25058\">3,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1503\"><div><div class=\"ps31 ss1502\"><span class=\"f charStyle-375ad3a6 ps30\">Ziloti Holding S.A., Luxemburg (LU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.31pt\"></span></span><span class=\"ps29607\">48.963<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15060 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23578\"></span><span class=\"ps23578\">0,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Unternehmenskategorie: KI Kreditinstitut, FI Finanzinstitut, BH Anbieter von Nebendienstleistungen, FH Finanzholding, SU Sonstiges Unternehmen, VV Versicherung, WP Wertpapierunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-450": {
   "value": "<div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewinne/Verluste aus modifizierten Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Barwert\u00e4nderungen unwesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20736\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20214\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus der Ausbuchung aufgrund wesentlich modifizierter Vertragskonditionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen auf Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20388\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20737\">-50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen/-aufholungen von nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20738\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen sowie Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20565\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus zur Ver\u00e4u\u00dferung gehaltene Verm\u00f6genswerte und Verkaufsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis aus Entkonsolidierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr Umsatzsteuer - Zwischenbankbefreiung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20615\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde f\u00fcr kreditbezogene, portfolio-basierte Rechtsstreitigkeiten und Annullierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18452\">-302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20742\">-657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufw\u00e4nde aus Rechtsstreitigkeiten in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">-1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis aus der Dotierung und Aufl\u00f6sung von R\u00fcckstellungen f\u00fcr einen Rechtsstreit in Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20743\">-339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20744\">-840<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20745\">-1.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20746\">-1.590<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Wertminderungen/-aufholungen auf Anteile an Tochterunternehmen und assoziierten Unternehmen belief sich auf </span></div><div class=\"ps20760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">21</span><span class=\"f charStyle-9eccfdcb ps20757\"> Millionen (Vorjahr: minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps20758\">50</span><span class=\"f charStyle-9eccfdcb ps20759\"> Millionen). Davon entfielen \u20ac 28 Millionen (Vorjahr: minus \u20ac 45 Millionen) auf at-equity <span class=\"f ps24\"> </span></span></div><div class=\"ps20761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertete Unternehmen, sowie minus \u20ac 7 Millionen (Vorjahr: minus \u20ac 4 Millionen) auf Wertminderungen auf Anteile an </span></div><div class=\"ps20762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen. In der Berichtsperiode resultierten die gr\u00f6\u00dften Einzeleffekte aus der Bewertung der Prva stavebna </span></div><div class=\"ps20763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sporitelna a.s., Oesterreichische Kontrollbank Aktiengesellschaft und der Leipnik-Lundenburger Invest Beteiligungs AG. </span></div><div class=\"ps22718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(24) Anteile an Tochterunternehmen und assoziierten Unternehmen<span id=\"id1d39b21780d44f79e934320e64c77f4\"></span></span></div><div class=\"ps22722 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20674\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22719\">206<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an at-equity bewerteten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22720\">665<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9362\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20786\">871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Anzahl der nicht einbezogenen Tochterunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22721\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20737\">262<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2303 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteile an at-equity bewerteten Unternehmen:</span></div><div class=\"ps22736 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:258pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10632 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps11049\">Anteil in %<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16652\">Buchwert 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21395\">Buchwert 2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">card complete Service Bank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22723 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13308\"></span><span class=\"ps13308\">25,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22724\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">EMCOM Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22725 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17912\"></span><span class=\"ps17912\">33,6 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22727 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22726\"></span><span class=\"ps22726\">33,1 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19286\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Notartreuhandbank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22728 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12635\"></span><span class=\"ps12635\">26,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22729 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19532\"></span><span class=\"ps19532\">8,1 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20556\">64<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Hotel- und Tourismusbank Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22730 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22726\"></span><span class=\"ps22726\">31,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Posojilnica Bank eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22731 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps111\"></span><span class=\"ps111\">49,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Prva stavebna sporitelna a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22732 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps438\"></span><span class=\"ps438\">32,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Informatik GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22733 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps128\"></span><span class=\"ps128\">47,6 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20388\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22734 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps453\"></span><span class=\"ps453\">50,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22735 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17196\"></span><span class=\"ps17196\">10,9 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20898\">309<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20345\">721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">665<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der at-equity bewerteten Unternehmen erh\u00f6hte sich von \u20ac 665 Millionen auf \u20ac 721 Millionen. Die Wertsteigerung <span class=\"f ps24\"> </span></span></div><div class=\"ps22738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist \u00fcberwiegend auf die UNIQA Insurance Group AG zur\u00fcckzuf\u00fchren.</span></div><div class=\"ps22739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der aktuellen Berichtsperiode wurde der Verkauf der card complete Service Bank AG abgeschlossen. Der Buchwertr\u00fcckgang </span></div><div class=\"ps22740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei der Leipnik-Lundenburger Invest Beteiligungs AG ist auf negative wirtschaftliche Entwicklungen der at-equity bewerteten </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen in der Leipnik-Lundenburger Invest Beteiligungs AG zur\u00fcckzuf\u00fchren. Die Buchwerterh\u00f6hungen der UNIQA </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insurance Group AG, Posojilnica Bank eGen und Prva stavebna sporitelna a.s. waren im Wesentlichen auf den Ergebnisbeitrag </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Berichtsjahr 2025 zur\u00fcckzuf\u00fchren.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der UNIQA Insurance Group AG besteht der ma\u00dfgebliche Einfluss aufgrund eines Syndikatsvertrags mit den anderen </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernaktion\u00e4ren, welcher insbesondere die Entsendungsrechte in den Aufsichtsrat regelt. Bei der Oesterreichischen Kontrollbank </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktiengesellschaft besteht der ma\u00dfgebliche Einfluss aufgrund zweier fixer Mandate im Aufsichtsrat.Finanzinformationen zu </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den at-equity bewerteten Unternehmen per 30. September 2025:</span></div><div class=\"ps22885 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:224.25pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1295\"><div><div class=\"ps5730 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22741 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-1dbd4d87 ps17600\">EMCOM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22743 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps8527\">LLI</span><span class=\"f charStyle-cdbbedb5 ps22742\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps9375\">NTB</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps22744\">OeKB</span><span class=\"f charStyle-cdbbedb5 ps22742\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22746 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps6397\">OEHT</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2997 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22747 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22748 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9382\">1.210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22750 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22749\">2.153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1097\">35.693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22752 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22749\">1.235<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2998 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22753 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22754 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19548\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22755 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22756 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16894\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22757 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17617\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3001 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22758 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22759 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6365\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22760 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22761 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19735\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22762 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22763 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus aufgegebenen Gesch\u00e4ftsbereichen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22764 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22765 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22766 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22767 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22768 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19204 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22769 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22770 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15656\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22772 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22773 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5996 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22774 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22775 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps449\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22776 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22336\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22777 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10805\">66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22779 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22778\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19216 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22780 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22781 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22782 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22783 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22784 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5473 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22785 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22786 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps78\">-68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22787 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19599\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22789 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5534 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22790 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22791 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8518\">378<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22792 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12463\">454<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22793 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1089\">6.553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22794 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6043 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22795 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22796 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10119\">832<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22797 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps20128\">1.699<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22798 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13257\">29.140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22799 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9955\">1.215<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4554 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22800 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22802 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22801\">-391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22803 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11547\">-1.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22805 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22804\">-9.392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22806 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15489 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22807 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22808 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1591\">-313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22809 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10116\">-232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22810 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8409\">-25.355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22811 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9070\">-1.179<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4601 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22812 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13098\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22813 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1612\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22814 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10787\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22815 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps477\">946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22817 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22816\">57<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5482 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22818 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22819 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps14998\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22820 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22821 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22822 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15520 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22823 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22824 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps187\">499<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22825 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22826 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9810\">928<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22827 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19548\">57<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5908 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22829 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22828\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22830 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps216\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22831 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19683\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22832 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps436\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22833 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19683\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11888 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteils\u00e4nderung/Erstmalige Einbeziehung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22834 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22835 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22836 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22837 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22838 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6108 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Der Gruppe zurechenbares Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22839 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22840 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10801\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22841 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22842 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22843 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16760 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22844 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22845 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22846 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22847 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22848 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13656 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22849 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22850 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22851 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22852 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22853 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22854 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Erhaltene Dividenden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22855 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22856 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16894\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22857 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22858 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22859 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6140 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteil an der Kapitalerh\u00f6hung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22860 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22861 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22862 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22863 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22864 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22865 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 30.9.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22866 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22828\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22868 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22867\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22869 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps409\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22870 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22816\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22871 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps409\">18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14007 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22872 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22873 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10801\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22874 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22875 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16894\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22876 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14009 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22877 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22828\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22878 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9389\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22879 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps409\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22880 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19633\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22881 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6175 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Konzernabschluss: Ergebnis und Eigenkapital verstehen sich exkl. nicht beherrschender Anteile.<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"6\" style=\"padding:0\"><div class=\"ps6188 ss1298\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">EMCOM: EMCOM Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">LLI: Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss7\"><span class=\"f charStyle-2babd150 ps30\">NTB: Notartreuhandbank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss7\"><span class=\"f charStyle-2babd150 ps30\">OeKB: Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss7\"><span class=\"f charStyle-2babd150 ps30\">OEHT: \u00d6sterreichische Hotel- und Tourismusbank Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:224.25pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22741 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11360\">POSO<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22743 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9379\">PSS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps277\">RIZ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-ca7bbde0 ps22887\">R-Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22746 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-66d2abc1 ps13518\">UNIQA</span><span class=\"f charStyle-f730e5cc ps22742\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22888 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22889 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8628\">2.921<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps364\">341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22890 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19599\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22891 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18109\">28.763<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22892 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22893 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12474\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22894 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22895 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12818\">484<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22897 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22896\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22898 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22899 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22900 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8538\">333<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus aufgegebenen Gesch\u00e4ftsbereichen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22901 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22902 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22903 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22904 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22905 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22906 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22907 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22909 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22908\">163<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22910 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6030\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22911 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22912 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps21353\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22913 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps477\">496<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22914 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22915 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22916 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22917 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22918 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17617\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22919 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22920 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22922 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22921\">498<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22923 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13156\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22924 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22908\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6065\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22925 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16898\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22926 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13440\">1.403<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22927 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8556\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22928 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9587\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22929\">157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22930 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22931 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10108\">27.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22933 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22932\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22934 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12730\">-654<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21235\">-155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22935 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9799\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22936 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11559\">-1.194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22937 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13217\">-48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22938 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21251\">-1.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps78\">-98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22939 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22940 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6367\">-24.238<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22941 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19633\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22942 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1658\">332<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps379\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22943 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6030\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22944 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11942\">3.331<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22945 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22946 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22947 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22948 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10790\">114<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22949 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17770\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22950 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12605\">332<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22324\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22951 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22896\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22952 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps5911\">3.217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22954 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22953\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22955 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9389\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps874 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13098\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22956 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19683\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22957 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10658\">309<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteils\u00e4nderung/Erstmalige Einbeziehung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22958 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22959 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22960 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22961 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Der Gruppe zurechenbares Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22962 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22963 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22964 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22965 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7173\">62<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22966 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22967 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20569 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22968 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22970 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22969\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22971 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22972 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20876 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22973 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22974 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12583\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps276 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Erhaltene Dividenden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22975 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22976 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20878 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22977 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22978 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps288 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteil an der Kapitalerh\u00f6hung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22979 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22980 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20880 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22981 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 30.9.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22983 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps136\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22984 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps216\">108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13098\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22985 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22986 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">352<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22987 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17204\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22988 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11549\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20885 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6724\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22989 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19628\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22990 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps319 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22991 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12476\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22992 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps62\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20887 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22541\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22993 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22336\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22994 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">352<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps325 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Konzernabschluss: Ergebnis und Eigenkapital verstehen sich exkl. nicht beherrschender Anteile.<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"6\" style=\"padding:0\"><div class=\"ps13001 ss1298\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">POSO: Posojilnica Bank eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">PSS: Prva stavebna sporitelna a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss7\"><span class=\"f charStyle-2babd150 ps30\">RIZ: Raiffeisen Informatik GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss7\"><span class=\"f charStyle-2babd150 ps30\">R-Leasing: Raiffeisen-Leasing Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss7\"><span class=\"f charStyle-2babd150 ps30\">UNIQA: UNIQA Insurance Group AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest f\u00fcr at-equity bewertete Unternehmen<span id=\"id015c211482443d29a0861a6a905e596\"></span></span></div><div class=\"ps22995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer Beteiligung h\u00f6her ist als ihr </span></div><div class=\"ps22996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die jedenfalls als Anzeichen f\u00fcr eine </span></div><div class=\"ps22997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein k\u00f6nnte, </span></div><div class=\"ps22998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. F\u00fcr den Werthaltigkeitstest wurden f\u00fcr die wesentlichen Einheiten </span></div><div class=\"ps15428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Annahmen getroffen.</span></div><div class=\"ps23008 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:171.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12527 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps22999\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7423 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps23000\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittelgenerierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23002 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23001\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23004 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23003\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6392\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12435 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps1492\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23006\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6319\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Diskontierungszinss\u00e4tze (nach Steuern)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12532 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22598 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20494\"></span><span class=\"ps20494\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19576\"></span><span class=\"ps19576\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12440 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12441 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20524\"></span><span class=\"ps20524\">8,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12442 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20537\"></span><span class=\"ps20537\">9,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Planungshorizont<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12540 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1907\"> 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22602 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12444 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12446 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12447 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1301\"><div><div class=\"ps16905 ss7\"><span class=\"f charStyle-2babd150 ps30\">LLI: Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT) - Durchschnittlicher Diskontierungszinssatz WACC<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss7\"><span class=\"f charStyle-2babd150 ps30\">OeKB: Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss7\"><span class=\"f charStyle-2babd150 ps30\">UNIQA: UNIQA Insurance Group AG, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Ergebnis wurde basierend auf den aktuellen Werthaltigkeitstests f\u00fcr den \u00fcberwiegenden Teil des Beteiligungsportfolios eine </span></div><div class=\"ps23010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertaufholung verzeichnet. Hierbei wirkte sich der fortschreitende Austausch niedrig verzinster Aktiva g\u00fcnstig auf die </span></div><div class=\"ps23011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragslage der Bankenbeteiligungen aus. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenfassung der wesentlichen Planungsannahmen und Beschreibung des Managementansatz zur Ermittlung der Werte:</span></div><div class=\"ps7104 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss509\"><div><div class=\"ps1485 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">generierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4802 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Kuze Beschreibung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4803 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche Annahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1824 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Managementansatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Leipnik-Lundenburger Invest <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungs AG (LLI)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4804 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">In den beiden Kernbereichen </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Vermahlung von Getreide und Verkauf </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(hei\u00dfe und kalte) Getr\u00e4nke und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Lebensmittel aus Automaten sind die </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">LLI-Unternehmen Marktf\u00fchrer in </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich sowie in einigen EU-L\u00e4ndern </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(Osteuropa und Deutschland).</span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Zus\u00e4tzlich zu den beiden Kernbereichen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erweisen sich die at-equity gehaltenen <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Beteiligungen als wesentliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertkomponenten.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4805 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planungsannahmen, welche vom </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Aufsichtsrat genehmigt wurden, </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">reflektieren die erwarteten </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rohstoffpreis- und <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostenentwicklungen, die sich auch in <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Absatzpreisen widerspiegeln.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4806 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planung beinhaltet Ma\u00dfnahmen zur </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Begegnung der aktuellen und </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erwarteten Marktentwicklungen. Diese </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">beinhalten neben Kosteneinsparungen </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und einer geeigneten Preisstrategie </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">weitere Spezialisierungen, die </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Optimierung mittels Digitalisierung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Entwicklung neuer Produkte.</span></div></div></div></td></tr><tr style=\"height:147pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiengesellschaft (OeKB)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23016 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die OeKB erf\u00fcllt zwei wesentliche </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Funktionen f\u00fcr die \u00f6sterreichische </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Exportindustrie und f\u00fcr den </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalmarkt. Als Export Credit Agency </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der Republik \u00d6sterreich stellt sie <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">staatlich garantierte Haftungen bereit </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und refinanziert exportbezogene </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Investitionen und Auslandsgesch\u00e4fte </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcber das Exportfinanzierungsverfahren. <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Dar\u00fcber hinaus unterst\u00fctzt die OeKB </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Kapitalmarkt durch spezialisierte </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertpapierdienstleitungen, die </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Abwicklung von Bundesanleihen-</span></div><div class=\"ps5465 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Auktionen sowie \u00fcber ihre <span class=\"f ps24\"> </span></span></div><div class=\"ps5466 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Tochtergesellschaften im Bereich </span></div><div class=\"ps15203 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Verwahrung und Clearing. Die </span></div><div class=\"ps23012 ss508\"><span class=\"f charStyle-6d404c82 ps30\">wesentlichen Beteiligungen sind die </span></div><div class=\"ps23013 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreichische Hotel- und Tourismus-</span></div><div class=\"ps23014 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bank (\u00d6HT) sowie die Oesterreichische </span></div><div class=\"ps23015 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entwicklungsbank (OeEB).</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23017 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Die Planungsannahmen ber\u00fccksichtigen <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">die Entwicklung des Volumens im </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Exportfinanzierungsverfahren und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">wurden im Bewertungsansatz </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">\u00fcbernommen. Sie zeigen \u00fcber die </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Folgejahre eine stabile Entwicklung des <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvolumens.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23018 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz reflektiert die </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aktuellen externen Rahmenbeding-</span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ungen. Das Zinsniveau sowie </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Nachholeffekte bei zuvor </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aufgeschobenen Investitionen aufgrund <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">des inflation\u00e4ren Umfelds der <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">vergangenen Jahre wurden in den </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Planungsannahmen ber\u00fccksichtigt. Die </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bestehenden Mandate der Republik </span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich bilden eine stabile Basis f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Gesch\u00e4ftst\u00e4tigkeit der OeKB, welche </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">durch die weiteren Services erg\u00e4nzt </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">werden.</span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6551 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG (UNIQA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23019 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die UNIQA Insurance Gruppe AG ist einer </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der f\u00fchrenden Versicherungskonzerne in <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ihren Kernm\u00e4rkten \u00d6sterreich und CEE. </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Sie ist in 14 L\u00e4ndern vor Ort und </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">serviciert mehr als 17 Millionen Kunden. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Marken UNIQA und Raiffeisen </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherung sind zwei starke </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherungsmarken in \u00d6sterreich und </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sind in den CEE-M\u00e4rkten gut <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">positioniert.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23020 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">UNIQA plant eine Weiterverfolgung der </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">gesetzten langfristigen </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rentabili\u00e4tsziele, trotz des steigenden </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostendrucks, durch die Setzung </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechender gegensteuernder </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Ma\u00dfnahmen. Zusammenfassend wird </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">trotz des volatilen Umfelds die </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der langfristigen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechend eine stabile langfristige </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Renditeentwicklung angenommen. </span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23021 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz wurde im </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wesentlichen als Bewertungsansatz </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcbernommen. Grundlage bildet die </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der gesetzten </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entsprechend wird die Sicherstellung <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">einer soliden Eigenkapitalverzinsung </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sowie der starken Solvenzsituation </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">zugrunde gelegt. Dies bildet die Basis <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">eines nachhaltigen Dividendenwachs-</span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">tums und stabiler Dividendenrendite. </span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ic2225d95a1cc40a29ec0cca3679f9794\"></span></span></div><div class=\"ps23024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um zu untersuchen, wie sich eine Ver\u00e4nderung der zur Bestimmung der Kapitalkosten wesentlichen Parameter auf den Wert </span></div><div class=\"ps23025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Eigenkapitals auswirkt, wurden diese Parameter im Zuge der durchgef\u00fchrten Sensitivit\u00e4tsanalyse variiert. So k\u00f6nnen </span></div><div class=\"ps23026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4nderungen in der Bewertung dieser Gesellschaften zu einer Anpassung des Buchwerts f\u00fchren. Im Falle eines Abw\u00e4rtsszenarios </span></div><div class=\"ps23027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg der Kapitalkosten um 50 Basispunkte) w\u00fcrde sich der Value in Use von Leipnik-Lundenburger Invest Beteiligungs AG, </span></div><div class=\"ps23028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Leasing Management GmbH, Prva stavebna sporitelna a.s., Oesterreichische Kontrollbank Aktiengesellschaft, </span></div><div class=\"ps23029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichische Hotel- und Tourismusbank GmbH und Posojilnica Bank eGen um weniger als 10 Prozent reduzieren, bei der </span></div><div class=\"ps23030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Informatik GmbH &amp; Co KG um rund 17 Prozent, und somit zu einer weiteren Buchwertabschreibung f\u00fchren. Von </span></div><div class=\"ps23031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Szenario nicht beeinflusst sind die UNIQA Insurance Group AG, Notartreuhandbank AG sowie die EMCOM Beteiligungs </span></div><div class=\"ps23032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">GmbH, hier w\u00fcrde ein weiterer Wertr\u00fcckgang zu keiner Buchwertabschreibung f\u00fchren, da der Value in Use noch immer \u00fcber </span></div><div class=\"ps23033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem anteiligen Eigenkapital liegen w\u00fcrde.</span></div><div class=\"ps29161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">In der Konzernbilanz at-equity bewertete Unternehmen<span id=\"i4a3859b69c6e4571b52e5ef447c6efce\"></span></span></div><div class=\"ps29200 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:272.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25644 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps9347\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">EMCOM Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29166 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20963 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9340\"></span><span class=\"ps9340\">33,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">LEIPNIK-LUNDENBURGER INVEST Beteiligungs Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29168 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.3pt\"></span></span><span class=\"ps13308\">32.624.283<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2032\"></span><span class=\"ps2032\">33,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">NOTARTREUHANDBANK AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29171 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.44pt\"></span></span><span class=\"ps24764\">8.030.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29173\"></span><span class=\"ps29173\">26,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29176 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.89pt\"></span></span><span class=\"ps29175\">130.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7755\"></span><span class=\"ps7755\">8,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Hotel- und Tourismusbank Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29180 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.27pt\"></span></span><span class=\"ps29179\">11.627.653<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29181 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2032\"></span><span class=\"ps2032\">31,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Posojilnica Bank eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29183 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.86pt\"></span></span><span class=\"ps28609\">74.345.115<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29184 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29185\"></span><span class=\"ps29185\">49,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Prva stavebna sporitelna a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25488 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.41pt\"></span></span><span class=\"ps19535\">66.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29187 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5366\"></span><span class=\"ps5366\">32,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Informatik GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29190 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.38pt\"></span></span><span class=\"ps29189\">1.460.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29191 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1676\"></span><span class=\"ps1676\">47,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29194 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.76pt\"></span></span><span class=\"ps9395\">300.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29195 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6722\"></span><span class=\"ps6722\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29197 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:28.98pt\"></span></span><span class=\"ps10119\">309.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29198 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1628\"></span><span class=\"ps1628\">10,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps8144\">VV<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Unternehmenskategorie: KI Kreditinstitut, FI Finanzinstitut, BH Anbieter von Nebendienstleistungen, FH Finanzholding, SU Sonstiges Unternehmen, VV Versicherung, WP Wertpapierunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-454": {
   "value": "<div class=\"ps20803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(11) Steuern<span id=\"i6be35c2ce792401ca2350a97f60745d6\"></span></span></div><div class=\"ps20804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG als Gruppentr\u00e4ger und 64 ihrer inl\u00e4ndischen Tochterunternehmen sind Mitglieder einer steuerlichen Gruppe. Der </span></div><div class=\"ps20805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende Steueraufwand wird auf Basis des zu versteuernden Einkommens unter Ber\u00fccksichtigung der steuerlichen Gruppe (in </span></div><div class=\"ps20806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Form einer Steuerumlage) f\u00fcr das laufende Jahr ermittelt. Das zu versteuernde Einkommen unterscheidet sich vom Ergebnis vor </span></div><div class=\"ps20807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuern aus der Konzern-Gesamtergebnisrechnung aufgrund von Aufwendungen und Ertr\u00e4gen, die in sp\u00e4teren Jahren oder </span></div><div class=\"ps20808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niemals steuerbar bzw. steuerlich abzugsf\u00e4hig sein werden. Die Verbindlichkeit des Konzerns f\u00fcr die laufenden Steuern wird auf </span></div><div class=\"ps20809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundlage der geltenden Steuers\u00e4tze berechnet. Die Berechnung und Bilanzierung von latenten Steuern erfolgt in </span></div><div class=\"ps20810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit IAS 12 nach der bilanzorientierten Verbindlichkeiten-Methode auf Basis der in Zukunft geltenden </span></div><div class=\"ps20811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze. Auf alle tempor\u00e4ren Differenzen, die aus dem Vergleich zwischen Konzernbuchwerten und steuerlichen </span></div><div class=\"ps20812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwerten resultieren und sich in den Folgeperioden wieder ausgleichen, werden latente Steuern unter Zugrundelegung der </span></div><div class=\"ps20813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">landesspezifischen Steuers\u00e4tze berechnet. F\u00fcr Verlustvortr\u00e4ge werden aktive latente Steuern angesetzt, wenn es <span class=\"f ps24\"> </span></span></div><div class=\"ps20814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich ist, dass in Zukunft in derselben Gesellschaft steuerbare Gewinne in entsprechender H\u00f6he erzielt werden. </span></div><div class=\"ps20815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der latenten Steueranspr\u00fcche wird jedes Jahr am Abschlussstichtag ermittelt und der ermittelte Wert herab-</span></div><div class=\"ps20816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesetzt, falls es nicht wahrscheinlich ist, dass gen\u00fcgend zu versteuerndes Einkommen zur Verf\u00fcgung stehen wird, um den </span></div><div class=\"ps20817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspruch vollst\u00e4ndig oder teilweise zu realisieren. Eine Aufrechnung von latenten Steueranspr\u00fcchen mit latenten </span></div><div class=\"ps20818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerverpflichtungen wird je Tochterunternehmen in dem Ausma\u00df, in dem eine Verrechnung zul\u00e4ssig ist, vorgenommen. </span></div><div class=\"ps20819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteueranspr\u00fcche bzw. -verpflichtungen werden in den Bilanzposten laufende und latente Steuerforderungen sowie </span></div><div class=\"ps20820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende und latente Steuerverpflichtungen ausgewiesen. Laufende und latente Steuern werden im Gewinn oder Verlust </span></div><div class=\"ps20821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst, es sei denn, dass sie im Zusammenhang mit Posten stehen, die im sonstigen Ergebnis erfasst werden. In diesem Fall ist </span></div><div class=\"ps20822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die laufende und latente Steuer ebenfalls im sonstigen Ergebnis zu erfassen. IFRIC 23 wird auf zu versteuernde Gewinne </span></div><div class=\"ps20823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(steuerliche Verluste), die steuerliche Basis, nicht genutzte steuerliche Verluste, nicht genutzte Steuergutschriften und </span></div><div class=\"ps20824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze angewendet, wenn Unsicherheit bez\u00fcglich der ertragsteuerlichen Behandlung nach IAS 12 besteht. Bei der </span></div><div class=\"ps20825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung, ob jede steuerliche Behandlung einzeln oder ob manche steuerlichen Behandlungen gemeinsam beurteilt werden </span></div><div class=\"ps20826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollen, hat die RBI Ermessen anzuwenden. Wenn die RBI zum Schluss kommt, dass es nicht wahrscheinlich ist, dass eine <span class=\"f ps24\"> </span></span></div><div class=\"ps20827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte steuerliche Behandlung akzeptiert wird, hat das Unternehmen den wahrscheinlichsten Betrag oder den erwarteten </span></div><div class=\"ps20828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wert der steuerlichen Behandlung zu verwenden. Ansonsten wird jene Behandlung verwendet, die im Einklang mit der </span></div><div class=\"ps20829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteuererkl\u00e4rung steht. Ein Unternehmen hat seine Ermessensentscheidung und Sch\u00e4tzungen zu \u00fcberpr\u00fcfen, wenn sich </span></div><div class=\"ps20830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tatsachen oder Umst\u00e4nde \u00e4ndern.</span></div><div class=\"ps20831 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nicht ertragsabh\u00e4ngige Steuern werden im Sachaufwand erfasst, wenn die Konzerneinheit das verpflichtende Ereignis f\u00fcr die </span></div><div class=\"ps20832 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfassung einer Verbindlichkeit in \u00dcbereinstimmung mit den einschl\u00e4gigen Rechtsvorschriften feststellt. Konkret wird dabei </span></div><div class=\"ps20833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entweder die Verbindlichkeit schrittweise erfasst, wenn das verpflichtende Ereignis \u00fcber einen bestimmten Zeitraum eintritt, </span></div><div class=\"ps20834 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder dass die Verpflichtung bei Erreichung einer Mindestschwelle ausgel\u00f6st wird. Bei Erreichen dieser Mindestschwelle wird die </span></div><div class=\"ps20835 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesamte Verbindlichkeit erfasst. Aufwendungen f\u00fcr staatliche Ma\u00dfnahmen und Pflichtabgaben werden im gleichnamigen </span></div><div class=\"ps20836 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten separat dargestellt. Darin enthalten sind die Bankabgaben, die Bankenabwicklungsfonds, die Beitr\u00e4ge zur </span></div><div class=\"ps20837 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einlagensicherung sowie sonstige Pflichtabgaben (wie z. B. staatliche Unterst\u00fctzungsfonds f\u00fcr in Not geratene Kreditnehmer).</span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">-994<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-953<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Inland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ausland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20135\">-968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-924<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20838\">-1.013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20839\">-953<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Effektive Steuerquote<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20512\"></span><span class=\"ps20512\">38,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19957\"></span><span class=\"ps19957\">31,9 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Steuerforderungen<span id=\"i9bf26305f78148358a10f756faffd5dc\"></span></span></div><div class=\"ps20868 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20610\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Steueranspr\u00fcche aus tempor\u00e4ren Differenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20192\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1233\">208<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Verlustvortr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20120\">345<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Saldo der latenten Steuern<span id=\"i41acfe14999c4feab98fa666b3a6151d\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20556\">94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting inkl. Fair-Value-Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20843\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20873\">104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">92<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">93<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verlustvortr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Latente Steueranspr\u00fcche<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">531<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20875\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13368\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13404\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">63<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte und Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20877 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">71<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting inkl. Fair-Value-Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20878 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16748\">85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20879 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20880 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20883 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20884 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20886 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20887 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps325 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20889 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20118\">442<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20890 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20142\">369<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps335 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Saldo latenter Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20891 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20737\">109<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20892 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">162<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Konzernabschluss sind aktivierte Vorteile in H\u00f6he von \u20ac 9 Millionen (Vorjahr: \u20ac 8 Millionen) aus noch nicht genutzten </span></div><div class=\"ps20894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steuerlichen Verlustvortr\u00e4gen enthalten. Die Verlustvortr\u00e4ge sind zum \u00fcberwiegenden Teil zeitlich unbegrenzt vortragsf\u00e4hig. </span></div><div class=\"ps20895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktive latente Steuern aus steuerlichen Verlustvortr\u00e4gen in H\u00f6he von \u20ac 356 Millionen (Vorjahr: \u20ac 346 Millionen) wurden nicht </span></div><div class=\"ps20896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aktiviert, weil ihre Nutzung aus heutiger Sicht in angemessener Zeit nicht realisierbar erscheint.</span></div><div class=\"ps20897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Steuerverpflichtungen<span id=\"ib975318a86df481da28242540272ece1\"></span></span></div><div class=\"ps20899 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16748\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">53<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Tempor\u00e4re Steuerschuld<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16748\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">53<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20898\">202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20345\">271<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die per 1. J\u00e4nner 2024 eingef\u00fchrte globale Mindeststeuer f\u00fcr Unternehmensgruppen (MindBestG) in H\u00f6he von 15 Prozent f\u00fchrte </span></div><div class=\"ps20901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu einem zus\u00e4tzlichen steuerlichen Aufwand im Ausma\u00df von \u20ac 8 Millionen. In den meisten L\u00e4ndern, in denen die RBI t\u00e4tig ist, </span></div><div class=\"ps20902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden die Safe Harbour Rules erf\u00fcllt, mit Ausnahme von Bosnien und Herzegowina, Kosovo und Serbien. Die RBI hat die </span></div><div class=\"ps20903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor\u00fcbergehende, verpflichtende Ausnahme angewendet, die im Mai 2023 von dem IASB im Zusammenhang mit der </span></div><div class=\"ps20904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internationalen Steuerreform ver\u00f6ffentlicht wurde. Diese Ausnahme betrifft die Rechnungslegungsvorschriften f\u00fcr latente </span></div><div class=\"ps20905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuern gem\u00e4\u00df IAS 12. Entsprechend ber\u00fccksichtigt die RBI weder bei der Berechnung der aktiven und passiven latenten Steuern </span></div><div class=\"ps20906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">noch in der Darstellung Ertragsteuern, die im Zusammenhang mit den OECD S\u00e4ule-2-Modellregeln stehen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-453": {
   "value": "<div class=\"ps20803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(11) Steuern<span id=\"i6be35c2ce792401ca2350a97f60745d6\"></span></span></div><div class=\"ps20804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG als Gruppentr\u00e4ger und 64 ihrer inl\u00e4ndischen Tochterunternehmen sind Mitglieder einer steuerlichen Gruppe. Der </span></div><div class=\"ps20805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende Steueraufwand wird auf Basis des zu versteuernden Einkommens unter Ber\u00fccksichtigung der steuerlichen Gruppe (in </span></div><div class=\"ps20806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Form einer Steuerumlage) f\u00fcr das laufende Jahr ermittelt. Das zu versteuernde Einkommen unterscheidet sich vom Ergebnis vor </span></div><div class=\"ps20807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuern aus der Konzern-Gesamtergebnisrechnung aufgrund von Aufwendungen und Ertr\u00e4gen, die in sp\u00e4teren Jahren oder </span></div><div class=\"ps20808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niemals steuerbar bzw. steuerlich abzugsf\u00e4hig sein werden. Die Verbindlichkeit des Konzerns f\u00fcr die laufenden Steuern wird auf </span></div><div class=\"ps20809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundlage der geltenden Steuers\u00e4tze berechnet. Die Berechnung und Bilanzierung von latenten Steuern erfolgt in </span></div><div class=\"ps20810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit IAS 12 nach der bilanzorientierten Verbindlichkeiten-Methode auf Basis der in Zukunft geltenden </span></div><div class=\"ps20811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze. Auf alle tempor\u00e4ren Differenzen, die aus dem Vergleich zwischen Konzernbuchwerten und steuerlichen </span></div><div class=\"ps20812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwerten resultieren und sich in den Folgeperioden wieder ausgleichen, werden latente Steuern unter Zugrundelegung der </span></div><div class=\"ps20813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">landesspezifischen Steuers\u00e4tze berechnet. F\u00fcr Verlustvortr\u00e4ge werden aktive latente Steuern angesetzt, wenn es <span class=\"f ps24\"> </span></span></div><div class=\"ps20814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich ist, dass in Zukunft in derselben Gesellschaft steuerbare Gewinne in entsprechender H\u00f6he erzielt werden. </span></div><div class=\"ps20815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der latenten Steueranspr\u00fcche wird jedes Jahr am Abschlussstichtag ermittelt und der ermittelte Wert herab-</span></div><div class=\"ps20816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesetzt, falls es nicht wahrscheinlich ist, dass gen\u00fcgend zu versteuerndes Einkommen zur Verf\u00fcgung stehen wird, um den </span></div><div class=\"ps20817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspruch vollst\u00e4ndig oder teilweise zu realisieren. Eine Aufrechnung von latenten Steueranspr\u00fcchen mit latenten </span></div><div class=\"ps20818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerverpflichtungen wird je Tochterunternehmen in dem Ausma\u00df, in dem eine Verrechnung zul\u00e4ssig ist, vorgenommen. </span></div><div class=\"ps20819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteueranspr\u00fcche bzw. -verpflichtungen werden in den Bilanzposten laufende und latente Steuerforderungen sowie </span></div><div class=\"ps20820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende und latente Steuerverpflichtungen ausgewiesen. Laufende und latente Steuern werden im Gewinn oder Verlust </span></div><div class=\"ps20821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst, es sei denn, dass sie im Zusammenhang mit Posten stehen, die im sonstigen Ergebnis erfasst werden. In diesem Fall ist </span></div><div class=\"ps20822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die laufende und latente Steuer ebenfalls im sonstigen Ergebnis zu erfassen. IFRIC 23 wird auf zu versteuernde Gewinne </span></div><div class=\"ps20823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(steuerliche Verluste), die steuerliche Basis, nicht genutzte steuerliche Verluste, nicht genutzte Steuergutschriften und </span></div><div class=\"ps20824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze angewendet, wenn Unsicherheit bez\u00fcglich der ertragsteuerlichen Behandlung nach IAS 12 besteht. Bei der </span></div><div class=\"ps20825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung, ob jede steuerliche Behandlung einzeln oder ob manche steuerlichen Behandlungen gemeinsam beurteilt werden </span></div><div class=\"ps20826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollen, hat die RBI Ermessen anzuwenden. Wenn die RBI zum Schluss kommt, dass es nicht wahrscheinlich ist, dass eine <span class=\"f ps24\"> </span></span></div><div class=\"ps20827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte steuerliche Behandlung akzeptiert wird, hat das Unternehmen den wahrscheinlichsten Betrag oder den erwarteten </span></div><div class=\"ps20828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wert der steuerlichen Behandlung zu verwenden. Ansonsten wird jene Behandlung verwendet, die im Einklang mit der </span></div><div class=\"ps20829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteuererkl\u00e4rung steht. Ein Unternehmen hat seine Ermessensentscheidung und Sch\u00e4tzungen zu \u00fcberpr\u00fcfen, wenn sich </span></div><div class=\"ps20830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tatsachen oder Umst\u00e4nde \u00e4ndern.</span></div><div class=\"ps20831 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nicht ertragsabh\u00e4ngige Steuern werden im Sachaufwand erfasst, wenn die Konzerneinheit das verpflichtende Ereignis f\u00fcr die </span></div><div class=\"ps20832 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfassung einer Verbindlichkeit in \u00dcbereinstimmung mit den einschl\u00e4gigen Rechtsvorschriften feststellt. Konkret wird dabei </span></div><div class=\"ps20833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entweder die Verbindlichkeit schrittweise erfasst, wenn das verpflichtende Ereignis \u00fcber einen bestimmten Zeitraum eintritt, </span></div><div class=\"ps20834 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder dass die Verpflichtung bei Erreichung einer Mindestschwelle ausgel\u00f6st wird. Bei Erreichen dieser Mindestschwelle wird die </span></div><div class=\"ps20835 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesamte Verbindlichkeit erfasst. Aufwendungen f\u00fcr staatliche Ma\u00dfnahmen und Pflichtabgaben werden im gleichnamigen </span></div><div class=\"ps20836 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten separat dargestellt. Darin enthalten sind die Bankabgaben, die Bankenabwicklungsfonds, die Beitr\u00e4ge zur </span></div><div class=\"ps20837 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einlagensicherung sowie sonstige Pflichtabgaben (wie z. B. staatliche Unterst\u00fctzungsfonds f\u00fcr in Not geratene Kreditnehmer).</span></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">-994<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-953<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Inland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ausland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20135\">-968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-924<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20838\">-1.013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20839\">-953<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Effektive Steuerquote<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20512\"></span><span class=\"ps20512\">38,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19957\"></span><span class=\"ps19957\">31,9 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20840 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcberleitungsrechnung zwischen Ergebnis vor Steuern und effektiver Steuerbelastung:</span></div><div class=\"ps20855 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Ergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20841\">2.634<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20173\">2.984<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Rechnerischer Ertragsteueraufwand im Gesch\u00e4ftsjahr zum inl\u00e4ndischen Ertragsteuersatz von 23 Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20154\">-606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20842\">-686<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-6d404c82 ps30\">Auswirkungen abweichender ausl\u00e4ndischer Steuers\u00e4tze</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20136\">134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Steuerminderungen aufgrund von steuerbefreiten Beteiligungs- und steuerbefreiten sonstigen Ertr\u00e4gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20843\">113<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Steuermehrungen aufgrund von nicht abzugsf\u00e4higen Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20844\">-552<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20845\">-405<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen auf Verlustvortr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht angesetzte Steuern aus der Absicherung der Nettoinvestitionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19278\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht angesetzte Steuern aus Wert\u00e4nderungen at-equity bewerteter Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1200\"><div><div class=\"ps20846 ss1160\"><span class=\"f charStyle-6d404c82 ps30\">Steueraufwand/-ertrag aufgrund von \u00c4nderungen des Steuersatzes und \u00dcbergewinnsteuern</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss1201\"><div><div class=\"ps20846 ss26\"><span class=\"f charStyle-375ad3a6 ps20847\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss1201\"><div><div class=\"ps20846 ss26\"><span class=\"f charStyle-375ad3a6 ps1148\">-131<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3731 ss1202\"><div><div class=\"ps5730 ss1160\"><span class=\"f charStyle-6d404c82 ps30\">Sonstige Steuereffekte</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20848 ss1203\"><div><div class=\"ps5730 ss26\"><span class=\"f charStyle-375ad3a6 ps20695\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20849 ss1203\"><div><div class=\"ps5730 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20850 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Effektive Steuerbelastung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20851 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20838\">-1.013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20839\">-953<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4780 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Effektive Steuerquote<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20512\"></span><span class=\"ps20512\">38,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19957\"></span><span class=\"ps19957\">31,9 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der negative Effekt aus nicht abzugsf\u00e4higen Aufwendungen resultiert \u00fcberwiegend aus den Aufwendungen im </span></div><div class=\"ps18146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit den Rasperia-Verfahren in Russland sowie steuerlich nicht anrechenbaren Aufwendungen f\u00fcr </span></div><div class=\"ps20856 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kreditbezogene, portfolio-basierte Rechtsstreitigkeiten und Annullierungen von Kreditvertr\u00e4gen in Polen. Die Position </span></div><div class=\"ps20857 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steueraufwand/-ertrag aufgrund von \u00c4nderungen des Steuersatzes und \u00dcbergewinnsteuern enth\u00e4lt die steuerlichen Effekte </span></div><div class=\"ps20858 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus der R\u00fcckkehr zum 25-prozentigen Steuersatz in der Ukraine (Vorjahr: 50 Prozent) und die Erh\u00f6hung des Steuersatzes auf 25 </span></div><div class=\"ps20859 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent in Russland sowie die steuerlichen Nachteile aus der Sondersteuer in der Slowakei und in Tschechien.</span></div><div class=\"ps18160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Berechnung der aktiven und passiven latenten Steuern wurde der zuk\u00fcnftige Steuersatz, entsprechend den </span></div><div class=\"ps18161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">voraussichtlichen Zeitpunkten der Realisierung der tempor\u00e4ren Differenzen aus latenten Steuern, angewendet. </span></div><div class=\"ps20862 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen \u00fcber aktuelle und offene steuerliche Verfahren sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps20860\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps20861\"> erl\u00e4utert. Dar\u00fcber hinaus </span></div><div class=\"ps20863 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind keine wesentlichen steuerlichen Auslegungen vorhanden, die eine Angabe im Sinne von IFRIC 23 erforderlich machen </span></div><div class=\"ps20864 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrden.<span class=\"f ps24\"> </span></span></div><div class=\"ps20865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Steuerforderungen<span id=\"i9bf26305f78148358a10f756faffd5dc\"></span></span></div><div class=\"ps20868 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20610\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Steueranspr\u00fcche aus tempor\u00e4ren Differenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20192\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1233\">208<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Verlustvortr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20120\">345<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Saldo der latenten Steuern<span id=\"i41acfe14999c4feab98fa666b3a6151d\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20556\">94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting inkl. Fair-Value-Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20843\">113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20873\">104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">92<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">93<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verlustvortr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Latente Steueranspr\u00fcche<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">531<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20875\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13368\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13404\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">63<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte und Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20877 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">71<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting inkl. Fair-Value-Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20878 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16748\">85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20879 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20880 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19274\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20883 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20884 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20886 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20887 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps325 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20889 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20118\">442<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20890 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20142\">369<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps335 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Saldo latenter Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20891 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20737\">109<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20892 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">162<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Konzernabschluss sind aktivierte Vorteile in H\u00f6he von \u20ac 9 Millionen (Vorjahr: \u20ac 8 Millionen) aus noch nicht genutzten </span></div><div class=\"ps20894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steuerlichen Verlustvortr\u00e4gen enthalten. Die Verlustvortr\u00e4ge sind zum \u00fcberwiegenden Teil zeitlich unbegrenzt vortragsf\u00e4hig. </span></div><div class=\"ps20895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktive latente Steuern aus steuerlichen Verlustvortr\u00e4gen in H\u00f6he von \u20ac 356 Millionen (Vorjahr: \u20ac 346 Millionen) wurden nicht </span></div><div class=\"ps20896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aktiviert, weil ihre Nutzung aus heutiger Sicht in angemessener Zeit nicht realisierbar erscheint.</span></div><div class=\"ps20897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Steuerverpflichtungen<span id=\"ib975318a86df481da28242540272ece1\"></span></span></div><div class=\"ps20899 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16748\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">53<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Tempor\u00e4re Steuerschuld<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16748\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">53<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20898\">202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20345\">271<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die per 1. J\u00e4nner 2024 eingef\u00fchrte globale Mindeststeuer f\u00fcr Unternehmensgruppen (MindBestG) in H\u00f6he von 15 Prozent f\u00fchrte </span></div><div class=\"ps20901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu einem zus\u00e4tzlichen steuerlichen Aufwand im Ausma\u00df von \u20ac 8 Millionen. In den meisten L\u00e4ndern, in denen die RBI t\u00e4tig ist, </span></div><div class=\"ps20902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden die Safe Harbour Rules erf\u00fcllt, mit Ausnahme von Bosnien und Herzegowina, Kosovo und Serbien. Die RBI hat die </span></div><div class=\"ps20903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor\u00fcbergehende, verpflichtende Ausnahme angewendet, die im Mai 2023 von dem IASB im Zusammenhang mit der </span></div><div class=\"ps20904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internationalen Steuerreform ver\u00f6ffentlicht wurde. Diese Ausnahme betrifft die Rechnungslegungsvorschriften f\u00fcr latente </span></div><div class=\"ps20905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuern gem\u00e4\u00df IAS 12. Entsprechend ber\u00fccksichtigt die RBI weder bei der Berechnung der aktiven und passiven latenten Steuern </span></div><div class=\"ps20906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">noch in der Darstellung Ertragsteuern, die im Zusammenhang mit den OECD S\u00e4ule-2-Modellregeln stehen.</span></div><div class=\"ps28027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Steuerf\u00e4lle<span id=\"i1b08500905fb4358946c61e3576fa206\"></span></span></div><div class=\"ps28017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist in verschiedene Betriebspr\u00fcfungen, Steuerpr\u00fcfungen und Steuerverfahren involviert oder wird voraussichtlich darin </span></div><div class=\"ps28018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">involviert sein. Die RBI ist unter anderem in folgende wesentliche Steuerverfahren involviert: </span></div><div class=\"ps28028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Rum\u00e4nien f\u00fchrte die Steuerpr\u00fcfung zu einer au\u00dferordentlichen Steuerzahlung in H\u00f6he von rund RON 158 Millionen (\u20ac 31 </span></div><div class=\"ps28029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) zuz\u00fcglich rund RON 105 Millionen (\u20ac 21 Millionen) Strafzahlungen. In Verwaltungs- und anderen Verfahren, die zum Teil <span class=\"f ps24\"> </span></span></div><div class=\"ps28030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">noch nicht abgeschlossen sind, konnte die au\u00dferordentliche Steuerlast bisher auf RON 235 Millionen (\u20ac 46 Millionen) reduziert </span></div><div class=\"ps28031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Die Entscheidung der Steuerbeh\u00f6rde wurde angefochten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-457": {
   "value": "<div class=\"ps20804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG als Gruppentr\u00e4ger und 64 ihrer inl\u00e4ndischen Tochterunternehmen sind Mitglieder einer steuerlichen Gruppe. Der </span></div><div class=\"ps20805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende Steueraufwand wird auf Basis des zu versteuernden Einkommens unter Ber\u00fccksichtigung der steuerlichen Gruppe (in </span></div><div class=\"ps20806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Form einer Steuerumlage) f\u00fcr das laufende Jahr ermittelt. Das zu versteuernde Einkommen unterscheidet sich vom Ergebnis vor </span></div><div class=\"ps20807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuern aus der Konzern-Gesamtergebnisrechnung aufgrund von Aufwendungen und Ertr\u00e4gen, die in sp\u00e4teren Jahren oder </span></div><div class=\"ps20808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niemals steuerbar bzw. steuerlich abzugsf\u00e4hig sein werden. Die Verbindlichkeit des Konzerns f\u00fcr die laufenden Steuern wird auf </span></div><div class=\"ps20809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundlage der geltenden Steuers\u00e4tze berechnet. Die Berechnung und Bilanzierung von latenten Steuern erfolgt in </span></div><div class=\"ps20810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit IAS 12 nach der bilanzorientierten Verbindlichkeiten-Methode auf Basis der in Zukunft geltenden </span></div><div class=\"ps20811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze. Auf alle tempor\u00e4ren Differenzen, die aus dem Vergleich zwischen Konzernbuchwerten und steuerlichen </span></div><div class=\"ps20812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwerten resultieren und sich in den Folgeperioden wieder ausgleichen, werden latente Steuern unter Zugrundelegung der </span></div><div class=\"ps20813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">landesspezifischen Steuers\u00e4tze berechnet. F\u00fcr Verlustvortr\u00e4ge werden aktive latente Steuern angesetzt, wenn es <span class=\"f ps24\"> </span></span></div><div class=\"ps20814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich ist, dass in Zukunft in derselben Gesellschaft steuerbare Gewinne in entsprechender H\u00f6he erzielt werden. </span></div><div class=\"ps20815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der latenten Steueranspr\u00fcche wird jedes Jahr am Abschlussstichtag ermittelt und der ermittelte Wert herab-</span></div><div class=\"ps20816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesetzt, falls es nicht wahrscheinlich ist, dass gen\u00fcgend zu versteuerndes Einkommen zur Verf\u00fcgung stehen wird, um den </span></div><div class=\"ps20817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspruch vollst\u00e4ndig oder teilweise zu realisieren. Eine Aufrechnung von latenten Steueranspr\u00fcchen mit latenten </span></div><div class=\"ps20818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerverpflichtungen wird je Tochterunternehmen in dem Ausma\u00df, in dem eine Verrechnung zul\u00e4ssig ist, vorgenommen. </span></div><div class=\"ps20819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteueranspr\u00fcche bzw. -verpflichtungen werden in den Bilanzposten laufende und latente Steuerforderungen sowie </span></div><div class=\"ps20820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende und latente Steuerverpflichtungen ausgewiesen. Laufende und latente Steuern werden im Gewinn oder Verlust </span></div><div class=\"ps20821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst, es sei denn, dass sie im Zusammenhang mit Posten stehen, die im sonstigen Ergebnis erfasst werden. In diesem Fall ist </span></div><div class=\"ps20822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die laufende und latente Steuer ebenfalls im sonstigen Ergebnis zu erfassen. IFRIC 23 wird auf zu versteuernde Gewinne </span></div><div class=\"ps20823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(steuerliche Verluste), die steuerliche Basis, nicht genutzte steuerliche Verluste, nicht genutzte Steuergutschriften und </span></div><div class=\"ps20824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze angewendet, wenn Unsicherheit bez\u00fcglich der ertragsteuerlichen Behandlung nach IAS 12 besteht. Bei der </span></div><div class=\"ps20825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung, ob jede steuerliche Behandlung einzeln oder ob manche steuerlichen Behandlungen gemeinsam beurteilt werden </span></div><div class=\"ps20826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollen, hat die RBI Ermessen anzuwenden. Wenn die RBI zum Schluss kommt, dass es nicht wahrscheinlich ist, dass eine <span class=\"f ps24\"> </span></span></div><div class=\"ps20827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte steuerliche Behandlung akzeptiert wird, hat das Unternehmen den wahrscheinlichsten Betrag oder den erwarteten </span></div><div class=\"ps20828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wert der steuerlichen Behandlung zu verwenden. Ansonsten wird jene Behandlung verwendet, die im Einklang mit der </span></div><div class=\"ps20829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteuererkl\u00e4rung steht. Ein Unternehmen hat seine Ermessensentscheidung und Sch\u00e4tzungen zu \u00fcberpr\u00fcfen, wenn sich </span></div><div class=\"ps20830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tatsachen oder Umst\u00e4nde \u00e4ndern.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-456": {
   "value": "<div class=\"ps20804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG als Gruppentr\u00e4ger und 64 ihrer inl\u00e4ndischen Tochterunternehmen sind Mitglieder einer steuerlichen Gruppe. Der </span></div><div class=\"ps20805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende Steueraufwand wird auf Basis des zu versteuernden Einkommens unter Ber\u00fccksichtigung der steuerlichen Gruppe (in </span></div><div class=\"ps20806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Form einer Steuerumlage) f\u00fcr das laufende Jahr ermittelt. Das zu versteuernde Einkommen unterscheidet sich vom Ergebnis vor </span></div><div class=\"ps20807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuern aus der Konzern-Gesamtergebnisrechnung aufgrund von Aufwendungen und Ertr\u00e4gen, die in sp\u00e4teren Jahren oder </span></div><div class=\"ps20808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niemals steuerbar bzw. steuerlich abzugsf\u00e4hig sein werden. Die Verbindlichkeit des Konzerns f\u00fcr die laufenden Steuern wird auf </span></div><div class=\"ps20809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundlage der geltenden Steuers\u00e4tze berechnet. Die Berechnung und Bilanzierung von latenten Steuern erfolgt in </span></div><div class=\"ps20810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit IAS 12 nach der bilanzorientierten Verbindlichkeiten-Methode auf Basis der in Zukunft geltenden </span></div><div class=\"ps20811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze. Auf alle tempor\u00e4ren Differenzen, die aus dem Vergleich zwischen Konzernbuchwerten und steuerlichen </span></div><div class=\"ps20812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwerten resultieren und sich in den Folgeperioden wieder ausgleichen, werden latente Steuern unter Zugrundelegung der </span></div><div class=\"ps20813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">landesspezifischen Steuers\u00e4tze berechnet. F\u00fcr Verlustvortr\u00e4ge werden aktive latente Steuern angesetzt, wenn es <span class=\"f ps24\"> </span></span></div><div class=\"ps20814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich ist, dass in Zukunft in derselben Gesellschaft steuerbare Gewinne in entsprechender H\u00f6he erzielt werden. </span></div><div class=\"ps20815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der latenten Steueranspr\u00fcche wird jedes Jahr am Abschlussstichtag ermittelt und der ermittelte Wert herab-</span></div><div class=\"ps20816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesetzt, falls es nicht wahrscheinlich ist, dass gen\u00fcgend zu versteuerndes Einkommen zur Verf\u00fcgung stehen wird, um den </span></div><div class=\"ps20817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspruch vollst\u00e4ndig oder teilweise zu realisieren. Eine Aufrechnung von latenten Steueranspr\u00fcchen mit latenten </span></div><div class=\"ps20818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerverpflichtungen wird je Tochterunternehmen in dem Ausma\u00df, in dem eine Verrechnung zul\u00e4ssig ist, vorgenommen. </span></div><div class=\"ps20819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteueranspr\u00fcche bzw. -verpflichtungen werden in den Bilanzposten laufende und latente Steuerforderungen sowie </span></div><div class=\"ps20820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende und latente Steuerverpflichtungen ausgewiesen. Laufende und latente Steuern werden im Gewinn oder Verlust </span></div><div class=\"ps20821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst, es sei denn, dass sie im Zusammenhang mit Posten stehen, die im sonstigen Ergebnis erfasst werden. In diesem Fall ist </span></div><div class=\"ps20822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die laufende und latente Steuer ebenfalls im sonstigen Ergebnis zu erfassen. IFRIC 23 wird auf zu versteuernde Gewinne </span></div><div class=\"ps20823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(steuerliche Verluste), die steuerliche Basis, nicht genutzte steuerliche Verluste, nicht genutzte Steuergutschriften und </span></div><div class=\"ps20824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze angewendet, wenn Unsicherheit bez\u00fcglich der ertragsteuerlichen Behandlung nach IAS 12 besteht. Bei der </span></div><div class=\"ps20825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung, ob jede steuerliche Behandlung einzeln oder ob manche steuerlichen Behandlungen gemeinsam beurteilt werden </span></div><div class=\"ps20826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollen, hat die RBI Ermessen anzuwenden. Wenn die RBI zum Schluss kommt, dass es nicht wahrscheinlich ist, dass eine <span class=\"f ps24\"> </span></span></div><div class=\"ps20827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte steuerliche Behandlung akzeptiert wird, hat das Unternehmen den wahrscheinlichsten Betrag oder den erwarteten </span></div><div class=\"ps20828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wert der steuerlichen Behandlung zu verwenden. Ansonsten wird jene Behandlung verwendet, die im Einklang mit der </span></div><div class=\"ps20829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteuererkl\u00e4rung steht. Ein Unternehmen hat seine Ermessensentscheidung und Sch\u00e4tzungen zu \u00fcberpr\u00fcfen, wenn sich </span></div><div class=\"ps20830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tatsachen oder Umst\u00e4nde \u00e4ndern.</span></div><div class=\"ps20865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Steuerforderungen<span id=\"i9bf26305f78148358a10f756faffd5dc\"></span></span></div><div class=\"ps20868 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20610\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Steueranspr\u00fcche aus tempor\u00e4ren Differenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20192\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1233\">208<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Verlustvortr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19272\">291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20120\">345<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Steuerverpflichtungen<span id=\"ib975318a86df481da28242540272ece1\"></span></span></div><div class=\"ps20899 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19279\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16748\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">53<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Tempor\u00e4re Steuerschuld<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16748\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">53<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20898\">202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20345\">271<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die per 1. J\u00e4nner 2024 eingef\u00fchrte globale Mindeststeuer f\u00fcr Unternehmensgruppen (MindBestG) in H\u00f6he von 15 Prozent f\u00fchrte </span></div><div class=\"ps20901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu einem zus\u00e4tzlichen steuerlichen Aufwand im Ausma\u00df von \u20ac 8 Millionen. In den meisten L\u00e4ndern, in denen die RBI t\u00e4tig ist, </span></div><div class=\"ps20902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden die Safe Harbour Rules erf\u00fcllt, mit Ausnahme von Bosnien und Herzegowina, Kosovo und Serbien. Die RBI hat die </span></div><div class=\"ps20903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor\u00fcbergehende, verpflichtende Ausnahme angewendet, die im Mai 2023 von dem IASB im Zusammenhang mit der </span></div><div class=\"ps20904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internationalen Steuerreform ver\u00f6ffentlicht wurde. Diese Ausnahme betrifft die Rechnungslegungsvorschriften f\u00fcr latente </span></div><div class=\"ps20905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuern gem\u00e4\u00df IAS 12. Entsprechend ber\u00fccksichtigt die RBI weder bei der Berechnung der aktiven und passiven latenten Steuern </span></div><div class=\"ps20906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">noch in der Darstellung Ertragsteuern, die im Zusammenhang mit den OECD S\u00e4ule-2-Modellregeln stehen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-455": {
   "value": "<div class=\"ps20804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG als Gruppentr\u00e4ger und 64 ihrer inl\u00e4ndischen Tochterunternehmen sind Mitglieder einer steuerlichen Gruppe. Der </span></div><div class=\"ps20805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende Steueraufwand wird auf Basis des zu versteuernden Einkommens unter Ber\u00fccksichtigung der steuerlichen Gruppe (in </span></div><div class=\"ps20806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Form einer Steuerumlage) f\u00fcr das laufende Jahr ermittelt. Das zu versteuernde Einkommen unterscheidet sich vom Ergebnis vor </span></div><div class=\"ps20807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuern aus der Konzern-Gesamtergebnisrechnung aufgrund von Aufwendungen und Ertr\u00e4gen, die in sp\u00e4teren Jahren oder </span></div><div class=\"ps20808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niemals steuerbar bzw. steuerlich abzugsf\u00e4hig sein werden. Die Verbindlichkeit des Konzerns f\u00fcr die laufenden Steuern wird auf </span></div><div class=\"ps20809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundlage der geltenden Steuers\u00e4tze berechnet. Die Berechnung und Bilanzierung von latenten Steuern erfolgt in </span></div><div class=\"ps20810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbereinstimmung mit IAS 12 nach der bilanzorientierten Verbindlichkeiten-Methode auf Basis der in Zukunft geltenden </span></div><div class=\"ps20811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze. Auf alle tempor\u00e4ren Differenzen, die aus dem Vergleich zwischen Konzernbuchwerten und steuerlichen </span></div><div class=\"ps20812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwerten resultieren und sich in den Folgeperioden wieder ausgleichen, werden latente Steuern unter Zugrundelegung der </span></div><div class=\"ps20813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">landesspezifischen Steuers\u00e4tze berechnet. F\u00fcr Verlustvortr\u00e4ge werden aktive latente Steuern angesetzt, wenn es <span class=\"f ps24\"> </span></span></div><div class=\"ps20814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich ist, dass in Zukunft in derselben Gesellschaft steuerbare Gewinne in entsprechender H\u00f6he erzielt werden. </span></div><div class=\"ps20815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der latenten Steueranspr\u00fcche wird jedes Jahr am Abschlussstichtag ermittelt und der ermittelte Wert herab-</span></div><div class=\"ps20816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesetzt, falls es nicht wahrscheinlich ist, dass gen\u00fcgend zu versteuerndes Einkommen zur Verf\u00fcgung stehen wird, um den </span></div><div class=\"ps20817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspruch vollst\u00e4ndig oder teilweise zu realisieren. Eine Aufrechnung von latenten Steueranspr\u00fcchen mit latenten </span></div><div class=\"ps20818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerverpflichtungen wird je Tochterunternehmen in dem Ausma\u00df, in dem eine Verrechnung zul\u00e4ssig ist, vorgenommen. </span></div><div class=\"ps20819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteueranspr\u00fcche bzw. -verpflichtungen werden in den Bilanzposten laufende und latente Steuerforderungen sowie </span></div><div class=\"ps20820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufende und latente Steuerverpflichtungen ausgewiesen. Laufende und latente Steuern werden im Gewinn oder Verlust </span></div><div class=\"ps20821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst, es sei denn, dass sie im Zusammenhang mit Posten stehen, die im sonstigen Ergebnis erfasst werden. In diesem Fall ist </span></div><div class=\"ps20822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die laufende und latente Steuer ebenfalls im sonstigen Ergebnis zu erfassen. IFRIC 23 wird auf zu versteuernde Gewinne </span></div><div class=\"ps20823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(steuerliche Verluste), die steuerliche Basis, nicht genutzte steuerliche Verluste, nicht genutzte Steuergutschriften und </span></div><div class=\"ps20824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuers\u00e4tze angewendet, wenn Unsicherheit bez\u00fcglich der ertragsteuerlichen Behandlung nach IAS 12 besteht. Bei der </span></div><div class=\"ps20825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung, ob jede steuerliche Behandlung einzeln oder ob manche steuerlichen Behandlungen gemeinsam beurteilt werden </span></div><div class=\"ps20826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollen, hat die RBI Ermessen anzuwenden. Wenn die RBI zum Schluss kommt, dass es nicht wahrscheinlich ist, dass eine <span class=\"f ps24\"> </span></span></div><div class=\"ps20827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte steuerliche Behandlung akzeptiert wird, hat das Unternehmen den wahrscheinlichsten Betrag oder den erwarteten </span></div><div class=\"ps20828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wert der steuerlichen Behandlung zu verwenden. Ansonsten wird jene Behandlung verwendet, die im Einklang mit der </span></div><div class=\"ps20829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssteuererkl\u00e4rung steht. Ein Unternehmen hat seine Ermessensentscheidung und Sch\u00e4tzungen zu \u00fcberpr\u00fcfen, wenn sich </span></div><div class=\"ps20830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tatsachen oder Umst\u00e4nde \u00e4ndern.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-458": {
   "value": "<div class=\"ps20831 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nicht ertragsabh\u00e4ngige Steuern werden im Sachaufwand erfasst, wenn die Konzerneinheit das verpflichtende Ereignis f\u00fcr die </span></div><div class=\"ps20832 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfassung einer Verbindlichkeit in \u00dcbereinstimmung mit den einschl\u00e4gigen Rechtsvorschriften feststellt. Konkret wird dabei </span></div><div class=\"ps20833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entweder die Verbindlichkeit schrittweise erfasst, wenn das verpflichtende Ereignis \u00fcber einen bestimmten Zeitraum eintritt, </span></div><div class=\"ps20834 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder dass die Verpflichtung bei Erreichung einer Mindestschwelle ausgel\u00f6st wird. Bei Erreichen dieser Mindestschwelle wird die </span></div><div class=\"ps20835 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesamte Verbindlichkeit erfasst. Aufwendungen f\u00fcr staatliche Ma\u00dfnahmen und Pflichtabgaben werden im gleichnamigen </span></div><div class=\"ps20836 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten separat dargestellt. Darin enthalten sind die Bankabgaben, die Bankenabwicklungsfonds, die Beitr\u00e4ge zur </span></div><div class=\"ps20837 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einlagensicherung sowie sonstige Pflichtabgaben (wie z. B. staatliche Unterst\u00fctzungsfonds f\u00fcr in Not geratene Kreditnehmer).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTaxesOtherThanIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-459": {
   "value": "<div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Zu fortgef\u00fchrten Anschaffungskosten bewertete <span id=\"i302f1acf866e44e4b7819ab71240bf13\"></span></span></div><div class=\"ps20908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Finanzinstrumente - Amortized Cost</span></div><div class=\"ps20909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(12) Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen<span id=\"i8b41c453d67143c88ed4d7445183e05f\"></span></span></div><div class=\"ps20910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Bilanzposten enth\u00e4lt den Kassenbestand, die Mindestreserve, t\u00e4glich f\u00e4llige Forderungen gegen\u00fcber Zentralbanken und </span></div><div class=\"ps20911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">t\u00e4glich f\u00e4llige Sichteinlagen bei Kreditinstituten.<span class=\"f ps24\"> </span></span></div><div class=\"ps20917 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20912\">3.287<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18460\">3.338<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Guthaben bei Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20913\">21.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20914\">18.486<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Sichteinlagen bei Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20095\">10.122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20915\">13.047<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20916\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20255\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen kam es im Vergleich zum Jahresende zu <span class=\"f ps24\"> </span></span></div><div class=\"ps20919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem Anstieg von \u20ac 469 Millionen auf \u20ac 35.340 Millionen. Der Anstieg in Guthaben bei Zentralbanken (Anstieg: \u20ac 3.445 <span class=\"f ps24\"> </span></span></div><div class=\"ps20920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen), der vorwiegend auf Russland, aufgrund der Umschichtung von kurzfristigen Veranlagungen bei Zentralbanken hin zu </span></div><div class=\"ps20921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">t\u00e4glich f\u00e4llige Einlagen bei der russischen Zentralbank (Anstieg: \u20ac 7.544 Millionen), zur\u00fcckzuf\u00fchren war. Demgegen\u00fcber standen </span></div><div class=\"ps20922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckg\u00e4nge in den Positionen sonstige Sichteinlagen (R\u00fcckgang: \u20ac 2.925 Millionen) und Kassenbestand (R\u00fcckgang: \u20ac 51 Millionen). </span></div><div class=\"ps20923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg in Russland wurde durch die Einbehaltung des Schadenersatzes, der Rasperia Trading Limited in H\u00f6he von \u20ac 2.109 </span></div><div class=\"ps20924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (inklusive Zinsen) zugesprochen wurde, abgeschw\u00e4cht. Die Einbehaltung erfolgte im zweiten Quartal 2025 durch die </span></div><div class=\"ps20925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Belastung des Korrespondenzkontos der AO Raiffeisenbank bei der russischen Zentralbank. Der R\u00fcckgang in sonstigen </span></div><div class=\"ps20926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sichteinlagen bei Kreditinstituten kam aus R\u00fcckg\u00e4ngen in der Konzernzentrale (R\u00fcckgang: \u20ac 2.887 Millionen).</span></div><div class=\"ps20927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter dem Posten Kassenbestand zeigen die Ukraine und Russland insgesamt \u20ac\u00a0922 Millionen. Der Kassenbestand in Russland </span></div><div class=\"ps20928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist im Vergleich zum Vorjahr um \u20ac\u00a0372 Millionen gesunken.</span></div><div class=\"ps15938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum Berichtsstichtag wurden Zahlungsmittel und Zahlungsmittel\u00e4quivalente in H\u00f6he von \u20ac\u00a0770 Millionen (Vorjahr: \u20ac 797 </span></div><div class=\"ps15939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) ausgewiesen, welche gesetzlichen Einschr\u00e4nkungen gem\u00e4\u00df IAS 7.48 unterliegen, sodass die RBI \u00fcber diese Mittel nicht </span></div><div class=\"ps15940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgen kann. Davon entfielen \u20ac 713 Millionen auf Russland und Ukraine<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20929\">.</span></div><div class=\"ps20931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(13) Finanzielle Verm\u00f6genswerte \u2013 Amortized Cost <span id=\"ia43eefae68c6445db2d710f60a8a4daf\"></span></span></div><div class=\"ps20932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein finanzieller Verm\u00f6genswert wird in der RBI zu fortgef\u00fchrten Anschaffungskosten (AC) bewertet, wenn beide der folgenden </span></div><div class=\"ps20933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingungen erf\u00fcllt sind:<span class=\"f ps24\"> </span></span></div><div class=\"ps20934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert wird im Rahmen eines Gesch\u00e4ftsmodells gehalten, dessen Zielsetzung darin besteht, </span></div><div class=\"ps20935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswerte zu verwalten, um vertragliche Cash-Flows zu vereinnahmen.</span></div><div class=\"ps20936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die vertraglichen Ausstattungsmerkmale des Verm\u00f6genswerts f\u00fchren an festgelegten Zeitpunkten zu Cash-Flows, </span></div><div class=\"ps20937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen.</span></div><div class=\"ps20938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Bedingungen sind in den Abschnitten \u00dcberpr\u00fcfung des Gesch\u00e4ftsmodells, \u00dcberpr\u00fcfung der Charakteristika der </span></div><div class=\"ps20939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Zahlungsstr\u00f6me und \u00c4nderungen des Zeitwerts des Geldes und Benchmark-Test detaillierter ausgef\u00fchrt.</span></div><div class=\"ps20940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Kategorie werden vor allem Kredite an Kund:innen bzw. Kredite an Kreditinstitute zugeordnet. Dar\u00fcber hinaus werden </span></div><div class=\"ps20941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen aus Finanzierungsleasing, die gem\u00e4\u00df IFRS 16 bilanziert werden, sowie Wertpapiere, die die oben genannten </span></div><div class=\"ps20942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingungen erf\u00fcllen, unter dieser Bewertungskategorie ausgewiesen. Die Bewertung erfolgt zu fortgef\u00fchrten </span></div><div class=\"ps20943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten. Ein Unterschiedsbetrag zwischen Auszahlungsbetrag und Nennbetrag wird \u2013 sofern Zinscharakter vorliegt </span></div><div class=\"ps20944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u2013 effektivzinsgerecht abgegrenzt und im Zins\u00fcberschuss ausgewiesen. Die Berechnung des Zinsertrags erfolgt auf Basis des </span></div><div class=\"ps20945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bruttobuchwerts, solange der finanzielle Verm\u00f6genswert nicht wertgemindert ist. Sobald der finanzielle Verm\u00f6genswert </span></div><div class=\"ps20946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wertgemindert ist, erfolgt die Berechnung des Zinsertrags auf Basis des Nettobuchwerts. Die fortgef\u00fchrten <span class=\"f ps24\"> </span></span></div><div class=\"ps20947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten werden ferner um die Erfassung des erwarteten Verlusts unter Anwendung des Expected Loss Approach <span class=\"f ps24\"> </span></span></div><div class=\"ps20948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df IFRS 9 angepasst, wie im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9) dargestellt. Die </span></div><div class=\"ps20949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Effektivzinsmethode ist eine Methode zur Berechnung der fortgef\u00fchrten Anschaffungskosten eines Finanzinstruments und der </span></div><div class=\"ps20950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zuordnung von Zinsaufwendungen und -ertr\u00e4gen zu den jeweiligen Perioden. Der Effektivzinssatz ist derjenige Zinssatz, mit </span></div><div class=\"ps20951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem die gesch\u00e4tzten k\u00fcnftigen Ein- und Auszahlungen (einschlie\u00dflich aller Geb\u00fchren, die Teil des Effektivzinssatzes sind, </span></div><div class=\"ps20952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionskosten und sonstiger Agios und Disagios) \u00fcber die erwartete Laufzeit des Finanzinstruments oder eine k\u00fcrzere </span></div><div class=\"ps20953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Periode, sofern zutreffend, auf den Nettobuchwert aus der erstmaligen Erfassung abgezinst werden.</span></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:48pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps20955 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-1dbd4d87 ps20954\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1820 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-1dbd4d87 ps20956\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1205\"><div><div class=\"ps516 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20957 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-3e64e966 ps18110\">Brutto-</span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-3e64e966 ps1943\">buchwert</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20959 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps9088\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps20958\">Wertminderungen </span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20961 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps20960\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20962 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps18110\">Brutto-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps1943\">buchwert</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20963 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps9088\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps20958\">Wertminderungen </span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20964 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps20960\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20965 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps12850\">38.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20966 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4136\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20967 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps10738\">38.150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20968 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps17977\">30.836<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20969 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4126\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps20970\">30.783<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20971 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20972 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20973 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20974 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20975 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20976 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20977 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6991\">32.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20979 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20978\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20980 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps223\">31.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20981 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9955\">25.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20982 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10722\">-47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps20983\">25.678<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20985 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">3.872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20986 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20987 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">3.872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20988 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8527\">3.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20989 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20990 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8527\">3.455<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20991 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1445\">1.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20992 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20993 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13163\">1.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20994 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">967<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20995 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20996 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12595\">966<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20997 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps128\">885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20999 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20998\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21000 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13350\">880<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21001 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13308\">683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21002 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps4119\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21003 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21004 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11455\">119.563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21005 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps402\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21006 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps13189\">117.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21007 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps9401\">119.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21008 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18656\">-2.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21009 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11021\">116.919<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21011 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21012 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21013 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21014 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps7132\">13.784<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21015 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21016 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps330\">13.783<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21018 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21017\">3.917<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21019 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18689\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21020 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps191\">3.909<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21021 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19567\">3.816<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21022 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18689\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21023 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8523\">3.807<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21024 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps297\">4.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21026 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21025\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21027 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps169\">4.249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21028 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps18753\">4.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21029 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21025\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21030 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12640\">4.272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21031 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9829\">10.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21032 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10764\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21033 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6740\">9.968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21034 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6995\">10.526<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21036 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21035\">-169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21038 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21037\">10.356<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21040 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21039\">48.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21041 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps8324\">-1.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21042 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10744\">47.320<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21043 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9376\">46.713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21044 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17792\">-1.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21045 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10115\">45.106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21046 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10522\">44.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21048 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21047\">-948<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21049 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps20451\">43.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21050 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps229\">40.564<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21051 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17548\">-970<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21052 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8628\">39.594<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21053 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps7006\">157.739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21054 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps14998\">-2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21056 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps21055\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21057 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11559\">150.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21058 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps7392\">-2.810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21059 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps13339\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert des Postens finanzielle Verm\u00f6genswerte \u2013 Amortized Cost erh\u00f6hte sich im Vergleich zum Jahresende 2024 um </span></div><div class=\"ps21062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">7.807</span><span class=\"f charStyle-9eccfdcb ps21061\"> Millionen. </span></div><div class=\"ps21065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der Schuldverschreibungen um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps21063\">7.367</span><span class=\"f charStyle-9eccfdcb ps21064\"> Millionen resultierte \u00fcberwiegend aus Zuk\u00e4ufen von Staatsanleihen (Anstieg: </span></div><div class=\"ps21067 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">6.317</span><span class=\"f charStyle-9eccfdcb ps21066\"> Millionen), vor allem in der Konzernzentrale (Anstieg: \u20ac\u00a02.265 Millionen), in Tschechien (Anstieg: \u20ac\u00a01.485 Millionen) und in <span class=\"f ps24\"> </span></span></div><div class=\"ps21069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei (Anstieg: \u20ac 731 Millionen). Im Kreditgesch\u00e4ft wurde ein Anstieg um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps21068\">440</span><span class=\"f charStyle-9eccfdcb ps18340\"> Millionen verzeichnet. Der Anstieg der </span></div><div class=\"ps21072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite an Haushalte um \u20ac </span><span class=\"f charStyle-9eccfdcb ps21070\">3.888</span><span class=\"f charStyle-9eccfdcb ps21071\"> Millionen kam haupts\u00e4chlich aus Tschechien und aus der Slowakei (Anstieg: \u20ac 1.455 Millionen </span></div><div class=\"ps21073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. \u20ac 950 Millionen, insbesondere bei Hypothekarkrediten), wobei die anderen L\u00e4nder des Konzerns, mit Ausnahme von </span></div><div class=\"ps21074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland und Polen, ebenfalls eine Steigerung aufwiesen. Bei den Krediten an Nicht-Finanzunternehmen wurde ein Anstieg um </span></div><div class=\"ps21075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac </span><span class=\"f charStyle-9eccfdcb ps1044\">2.214</span><span class=\"f charStyle-9eccfdcb ps1045\"> Millionen verzeichnet. Dabei wurden in nahezu allen L\u00e4ndern des Konzerns Zuw\u00e4chse erzielt, haupts\u00e4chlich in der </span></div><div class=\"ps21076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Slowakei (Anstieg: \u20ac 594 Millionen), in Tschechien (Anstieg: \u20ac 441 Millionen) und in Ungarn (Anstieg: \u20ac 423 Millionen), sowie in der </span></div><div class=\"ps21077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernzentrale (Anstieg: \u20ac 656 Millionen), w\u00e4hrend es in Russland zu einem R\u00fcckgang um \u20ac 590 Millionen kam. Der R\u00fcckgang </span></div><div class=\"ps21080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im kurzfristigen Gesch\u00e4ft um \u20ac </span><span class=\"f charStyle-9eccfdcb ps21078\">5.662</span><span class=\"f charStyle-9eccfdcb ps21079\"> Millionen war vor allem auf Russland zur\u00fcckzuf\u00fchren (R\u00fcckgang: \u20ac 5.121 Millionen), bedingt </span></div><div class=\"ps21081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch Umschichtung von kurzfristigen Veranlagungen bei der russischen Zentralbank in t\u00e4glich f\u00e4llige Einlagen (Guthaben bei </span></div><div class=\"ps21082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zentralbanken).</span></div><div class=\"ps21083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Russland bestehen finanzielle Verm\u00f6genswerte \u2013 Amortized Cost in H\u00f6he von \u20ac\u00a01.779 Millionen (Vorjahr: \u20ac 901 Millionen) aus </span></div><div class=\"ps21084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen von Emittenten lokaler Schuldtitel, die derzeit aufgrund der bestehenden US- und EU-Sanktionen nicht an </span></div><div class=\"ps21085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausl\u00e4ndische Investoren weitergeleitet werden k\u00f6nnen, und daher bei der russischen Agentur f\u00fcr Einlagensicherung (Deposit </span></div><div class=\"ps21086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insurance Agency) deponiert werden m\u00fcssen. Sie stehen der Konzernzentrale zur allgemeinen Verwendung nicht zur Verf\u00fcgung. </span></div><div class=\"ps21087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditportfolio der RBI ist diversifiziert nach Art der Kund:innen, geografischer Region und Industrie. In den folgenden </span></div><div class=\"ps21088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufteilungen der finanziellen Verm\u00f6genswerte \u2013 Amortized Cost nach Gegenpartei ist ersichtlich, dass der Fokus auf </span></div><div class=\"ps21089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kund:innen im Bereich der Nicht-Finanzunternehmen und Haushalte liegt.</span></div><div class=\"ps21090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Bruttobuchwert</span></div><div class=\"ps21179 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7040\">8.315<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21105\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8221\">13.668<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21105\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1152\">33.589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11409\">2.199<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21115\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21118\">27.985<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13259\">1.395<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9586\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9615\">7.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12484\">265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7182\">7.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1089\">472<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21131\">10.329<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17480\">965<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21105\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10806\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10141\">9.478<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6462\">1.681<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps5983\">290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12739\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21140\">39.590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21142\">7.957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6290\">1.775<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6194\">76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps14984\">37.937<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3158\">7.241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21148\">2.118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2051\">38.276<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13104\">5.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6303\">1.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21154\">94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps5373\">33.396<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1870\">6.068<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9615\">1.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Hypothekar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10646\">25.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10486\">3.167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1579\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10576\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps5369\">22.490<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11429\">4.111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1466\">347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21167\">60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9347\">137.958<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1935\">16.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21171\">3.066<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21173\">176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps11367\">129.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps5248\">16.977<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9132\">3.571<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps11945\">244<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Kumulierte Wertminderungen</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21181\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">-40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21183\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1644\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18600\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10522\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9403\">-119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8719\">-17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21186\">-135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13521\">-246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21187\">-775<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13345\">-194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21189\">-266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1909\">-1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21190\">-114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21191\">-203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13568\">-612<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10738\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13547\">-106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13313\">-227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21192\">-615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10522\">-22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Hypothekar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8719\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21193\">-67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11429\">-134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21181\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21194\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21192\">-156<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11329\">-13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21195\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9095\">-463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1439\">-1.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps8907\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9251\">-353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21196\">-527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21197\">-1.850<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps10417\">-81<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">ECL Coverage Ratio</span></div><div class=\"ps21205 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17912\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17912\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17912\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17912\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9300\"></span><span class=\"ps9300\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9421\"></span><span class=\"ps9421\">4,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11087\"></span><span class=\"ps11087\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14206\"></span><span class=\"ps14206\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21201\"></span><span class=\"ps21201\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1543\"></span><span class=\"ps1543\">77,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17912\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9300\"></span><span class=\"ps9300\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21202\"></span><span class=\"ps21202\">72,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17912\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12875\"></span><span class=\"ps12875\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1557\"></span><span class=\"ps1557\">26,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12878\"></span><span class=\"ps12878\">70,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11434\"></span><span class=\"ps11434\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7029\"></span><span class=\"ps7029\">41,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1220\"></span><span class=\"ps1220\">39,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21201\"></span><span class=\"ps21201\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11434\"></span><span class=\"ps11434\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5183\"></span><span class=\"ps5183\">43,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17777\"></span><span class=\"ps17777\">55,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5975\"></span><span class=\"ps5975\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17527\"></span><span class=\"ps17527\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1925\"></span><span class=\"ps1925\">52,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10345\"></span><span class=\"ps10345\">41,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21201\"></span><span class=\"ps21201\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9421\"></span><span class=\"ps9421\">4,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1182\"></span><span class=\"ps1182\">59,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13020\"></span><span class=\"ps13020\">19,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21201\"></span><span class=\"ps21201\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17527\"></span><span class=\"ps17527\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1585\"></span><span class=\"ps1585\">61,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21203\"></span><span class=\"ps21203\">21,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Hypothekar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11446\"></span><span class=\"ps11446\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10644\"></span><span class=\"ps10644\">39,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7496\"></span><span class=\"ps7496\">20,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9300\"></span><span class=\"ps9300\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10950\"></span><span class=\"ps10950\">45,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8432\"></span><span class=\"ps8432\">21,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10161\"></span><span class=\"ps10161\">0,2 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10099\"></span><span class=\"ps10099\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21204\"></span><span class=\"ps21204\">46,5 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps3844\"></span><span class=\"ps3844\">36,8 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps6978\"></span><span class=\"ps6978\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20544\"></span><span class=\"ps20544\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10647\"></span><span class=\"ps10647\">51,8 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10484\"></span><span class=\"ps10484\">33,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21206 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgenden Aufteilungen der finanziellen Verm\u00f6genswerte - Amortized Cost nach Regionen zeigen die hohe Diversifikation </span></div><div class=\"ps21207 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Kreditgesch\u00e4fts der RBI in den europ\u00e4ischen M\u00e4rkten:</span></div><div class=\"ps21208 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Bruttobuchwert</span></div><div class=\"ps21245 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21209\">58.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13347\">6.189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1709\">673<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7191\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21210\">51.058<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11948\">5.756<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10761\">748<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21167\">60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2038\">30.598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21211\">3.128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1089\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21212\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18715\">26.763<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3142\">3.140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17893\">240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10654\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7029\">7.554<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6978\">1.337<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1597\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10443\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21213\">6.292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13259\">1.264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10414\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10443\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18081\">19.487<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21214\">1.597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10772\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13577\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21215\">17.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21148\">1.218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21216\">258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps15654\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21217\">27.788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3142\">3.104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6990\">559<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7134\">92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1852\">25.969<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10649\">2.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17480\">569<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6194\">97<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1923\">11.659<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7182\">1.649<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12812\">232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1447\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17183\">11.606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18031\">1.190<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17480\">230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8738\">40<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10106\">3.767<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9099\">2.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12812\">223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10698\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8219\">10.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12721\">1.909<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21218\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1597\">25<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10106\">3.767<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9099\">2.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12812\">223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10698\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8219\">10.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12721\">1.909<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21218\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1597\">25<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11409\">2.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21220 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12766\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9586\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21222 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10806\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10648\">2.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21224 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11973\">576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">199<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21226 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9379\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1211\"><div><div class=\"ps5730 ss1209\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich und andere</span><span class=\"f charStyle-ef1a5293 ps21227\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21228 ss1212\"><div><div class=\"ps5730 ss190\"><span class=\"f charStyle-375ad3a6 ps21140\">46.029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21229 ss1212\"><div><div class=\"ps5730 ss190\"><span class=\"f charStyle-375ad3a6 ps21142\">4.418<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21230 ss1212\"><div><div class=\"ps5730 ss190\"><span class=\"f charStyle-375ad3a6 ps3158\">1.472<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21232 ss1212\"><div><div class=\"ps5730 ss190\"><span class=\"f charStyle-375ad3a6 ps21231\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9107 ss1212\"><div><div class=\"ps5730 ss190\"><span class=\"f charStyle-375ad3a6 ps5883\">40.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9612 ss1212\"><div><div class=\"ps5730 ss190\"><span class=\"f charStyle-375ad3a6 ps18045\">6.114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21234 ss1212\"><div><div class=\"ps5730 ss190\"><span class=\"f charStyle-375ad3a6 ps21233\">1.829<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21236 ss1212\"><div><div class=\"ps5730 ss190\"><span class=\"f charStyle-375ad3a6 ps21235\">50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15489 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21237 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9347\">137.958<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21238 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1935\">16.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21239 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21171\">3.066<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21173\">176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21241 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps11367\">129.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21242 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps5248\">16.977<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21243 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9132\">3.571<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21244 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps11945\">244<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"9\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4601 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-073efae3 ps30\">1 \u00d6sterreich beinhaltet im Wesentlichen das Gesch\u00e4ft der Konzernzentrale und der Raiffeisen Bausparkasse Gesellschaft m.b.H. Andere inkludiert auch allf\u00e4llige Konsolidierungseffekte.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Kumulierte Wertminderungen</span></div><div class=\"ps21262 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11975\">-90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18551\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13224\">-391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21247\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10773\">-111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">-182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12458\">-418<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10744\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9071\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11958\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11429\">-134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1564\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11958\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8733\">-120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1564\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1608\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11329\">-31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13440\">-62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21249\">-49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21250\">-155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1644\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10655\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps292\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21186\">-153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6985\">-88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17575\">-130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18031\">-360<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21247\">-41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8733\">-102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21186\">-124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21251\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">-40<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">-40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12960\">-140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10655\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">-39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12458\">-148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10744\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10591\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21252\">-172<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3115\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21253\">-175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10630\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10591\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21252\">-172<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3115\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21253\">-175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10630\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11958\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21220 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7187\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21222 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21193\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21224 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13224\">-163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21226 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich und andere</span><span class=\"f charStyle-ef1a5293 ps21227\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21115\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21229 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8733\">-102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9300\">-388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10758\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9612 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10655\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13313\">-722<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10522\">-22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21254 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21195\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21255 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9095\">-463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1439\">-1.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21257 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps8907\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21258 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9251\">-353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21196\">-527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21260 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21197\">-1.850<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21261 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps10417\">-81<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"9\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-073efae3 ps30\">1 \u00d6sterreich beinhaltet im Wesentlichen das Gesch\u00e4ft der Konzernzentrale und der Raiffeisen Bausparkasse Gesellschaft m.b.H. Andere inkludiert auch allf\u00e4llige Konsolidierungseffekte.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">ECL Coverage Ratio</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9300\"></span><span class=\"ps9300\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11434\"></span><span class=\"ps11434\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13480\"></span><span class=\"ps13480\">58,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21263\"></span><span class=\"ps21263\">21,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9300\"></span><span class=\"ps9300\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21264\"></span><span class=\"ps21264\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21265\"></span><span class=\"ps21265\">55,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1599\"></span><span class=\"ps1599\">20,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21266\"></span><span class=\"ps21266\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9248\"></span><span class=\"ps9248\">54,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17912\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11446\"></span><span class=\"ps11446\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13342\"></span><span class=\"ps13342\">50,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17912\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21201\"></span><span class=\"ps21201\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">5,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1150\"></span><span class=\"ps1150\">39,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1150\"></span><span class=\"ps1150\">39,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9421\"></span><span class=\"ps9421\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9243\"></span><span class=\"ps9243\">4,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13531\"></span><span class=\"ps13531\">37,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11042\"></span><span class=\"ps11042\">38,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9300\"></span><span class=\"ps9300\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10285\"></span><span class=\"ps10285\">3,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13480\"></span><span class=\"ps13480\">58,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5195\"></span><span class=\"ps5195\">64,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21201\"></span><span class=\"ps21201\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17527\"></span><span class=\"ps17527\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21267\"></span><span class=\"ps21267\">59,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5195\"></span><span class=\"ps5195\">53,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21201\"></span><span class=\"ps21201\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6408\"></span><span class=\"ps6408\">64,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10249\"></span><span class=\"ps10249\">44,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9421\"></span><span class=\"ps9421\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18018\"></span><span class=\"ps18018\">4,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1585\"></span><span class=\"ps1585\">65,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10109\"></span><span class=\"ps10109\">40,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21201\"></span><span class=\"ps21201\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11434\"></span><span class=\"ps11434\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7493\"></span><span class=\"ps7493\">60,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17580\"></span><span class=\"ps17580\">31,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9421\"></span><span class=\"ps9421\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13097\"></span><span class=\"ps13097\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1437\"></span><span class=\"ps1437\">64,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11062\"></span><span class=\"ps11062\">29,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9300\"></span><span class=\"ps9300\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12875\"></span><span class=\"ps12875\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13552\"></span><span class=\"ps13552\">77,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9253\"></span><span class=\"ps9253\">18,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17801\"></span><span class=\"ps17801\">6,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1543\"></span><span class=\"ps1543\">77,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21266\"></span><span class=\"ps21266\">8,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9300\"></span><span class=\"ps9300\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12875\"></span><span class=\"ps12875\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13552\"></span><span class=\"ps13552\">77,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9253\"></span><span class=\"ps9253\">18,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17801\"></span><span class=\"ps17801\">6,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1543\"></span><span class=\"ps1543\">77,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21266\"></span><span class=\"ps21266\">8,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17801\"></span><span class=\"ps17801\">2,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21220 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11236\"></span><span class=\"ps11236\">8,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1923\"></span><span class=\"ps1923\">82,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21222 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5188\"></span><span class=\"ps5188\">42,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6290\"></span><span class=\"ps6290\">4,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21224 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13415\"></span><span class=\"ps13415\">9,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10631\"></span><span class=\"ps10631\">82,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21226 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9429\"></span><span class=\"ps9429\">44,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1213\"><div><div class=\"ps21268 ss1209\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich und andere</span><span class=\"f charStyle-ef1a5293 ps21227\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21228 ss1214\"><div><div class=\"ps21268 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21229 ss1214\"><div><div class=\"ps21268 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21264\"></span><span class=\"ps21264\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21230 ss1214\"><div><div class=\"ps21268 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5195\"></span><span class=\"ps5195\">26,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21232 ss1214\"><div><div class=\"ps21268 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18011\"></span><span class=\"ps18011\">77,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9107 ss1214\"><div><div class=\"ps21268 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11420\"></span><span class=\"ps11420\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9612 ss1214\"><div><div class=\"ps21268 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12875\"></span><span class=\"ps12875\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21234 ss1214\"><div><div class=\"ps21268 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5195\"></span><span class=\"ps5195\">39,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21236 ss1214\"><div><div class=\"ps21268 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1437\"></span><span class=\"ps1437\">43,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5479 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21269 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10161\"></span><span class=\"ps10161\">0,2 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21270 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10099\"></span><span class=\"ps10099\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21271 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21204\"></span><span class=\"ps21204\">46,5 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21272 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps3844\"></span><span class=\"ps3844\">36,8 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21273 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps6978\"></span><span class=\"ps6978\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21274 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20544\"></span><span class=\"ps20544\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21275 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10647\"></span><span class=\"ps10647\">51,8 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21276 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10484\"></span><span class=\"ps10484\">33,1 %</span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"9\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps5437 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-073efae3 ps30\">1 \u00d6sterreich beinhaltet im Wesentlichen das Gesch\u00e4ft der Konzernzentrale und der Raiffeisen Bausparkasse Gesellschaft m.b.H. Andere inkludiert auch allf\u00e4llige Konsolidierungseffekte.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Betr\u00e4ge der Stage 1 beinhalten Verm\u00f6genswerte in H\u00f6he von \u20ac 30.549 Millionen (Vorjahr: \u20ac 23.801 Millionen), f\u00fcr die die </span></div><div class=\"ps21278 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausnahmeregelung f\u00fcr das geringe Kreditrisiko angewendet wurde, davon entfallen \u20ac 27.961 Millionen (Vorjahr: \u20ac 22.269 </span></div><div class=\"ps21279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) auf finanzielle Verm\u00f6genswerte \u2013 Amortized Cost und \u20ac 2.588 Millionen (Vorjahr: \u20ac 1.531 Millionen) auf finanzielle </span></div><div class=\"ps21280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income.</span></div><div class=\"ps21281 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verf\u00fcgt \u00fcber Kredite und Forderungen (finanzielle Verm\u00f6genswerte \u2013 Amortized Cost) in H\u00f6he von \u20ac 2.341 Millionen </span></div><div class=\"ps21282 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Vorjahr: \u20ac 2.199 Millionen) sowie Reverse-Repo-Gesch\u00e4fte in H\u00f6he von \u20ac 11.347 Millionen (Vorjahr: \u20ac 10.941 Millionen), f\u00fcr die sich </span></div><div class=\"ps21283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund der Sicherheiten keine erwarteten Kreditverluste ergeben.</span></div><div class=\"ps21284 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entwicklung der Wertminderungen<span id=\"i73c8bdafc56f4f0ba283dfc63826c3be\"></span></span></div><div class=\"ps21285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung der Wertminderungen auf Forderungen und Schuldverschreibungen der Bewertungskategorie finanzielle </span></div><div class=\"ps21286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte \u2013 Amortized Cost, der Bewertungskategorie finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other </span></div><div class=\"ps21287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Comprehensive Income sowie auf sonstige Sichteinlagen bei Kreditinstituten:</span></div><div class=\"ps21368 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:190.5pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps35 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1538\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21288 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps193\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21289 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1575\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21290 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18491\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21291\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1216\"><div><div class=\"ps5427 ss1215\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps47 ss266\"><div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21293\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps21294\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21296 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21297 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21299 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps20171\">407<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21300 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18709\">529<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21302 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps21301\">1.854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21303 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps17388\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21305 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21304\">2.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4812 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21306 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps17232\">290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21307 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18468\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21308 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps10792\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21309 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21310 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps12721\">367<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21311 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps19611\">-92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21312 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps8839\">-81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21313 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps18683\">-397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21314 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps18526\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21315 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps1437\">-579<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21316 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps3169\">-241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21317 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10482\">-83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21318 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps18709\">394<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21320 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21321 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps6983\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund von Modifikationen ohne Ausbuchungen (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21322 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21323 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21325 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21324\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21326 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21327 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps17480\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21328 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21329 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20079\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21330 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps7838\">-449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21331 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21332 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps9781\">-454<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21333 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21334 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21335 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21336 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21337 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21338 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21339 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21340 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21341 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21342 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21343 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps20055\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21344 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18517\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21346 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21345\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21347 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21349 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21348\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21351 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps21350\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21352 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps15181\">464<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21354 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps21353\">1.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21356 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps21355\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21357 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps11322\">2.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21358 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps7761\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21359 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21360 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps1133\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21361 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21362 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps17261\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps1864\">davon sonstige Sichteinlagen bei Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21363 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21364 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21365 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21366 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21367 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21369 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps6365\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps191\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21370\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21290 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18491\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21291\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1219\"><div><div class=\"ps5427 ss1218\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21372 ss1220\"><div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps3000\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps21371\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21374 ss1220\"><div><div class=\"ps5430 ss173\"><span class=\"f charStyle-1dbd4d87 ps11049\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps21373\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps13493\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21375 ss1220\"><div><div class=\"ps5430 ss173\"><span class=\"f charStyle-1dbd4d87 ps11049\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps21373\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps13493\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18116\">372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4134\">978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17259\">1.673<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21303 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps10482\">107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21305 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps11302\">3.130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4812 ss1221\"><div><div class=\"ps31 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21379 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17891\">308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21380\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13436 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps19948\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21309 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21310 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps13135\">450<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1221\"><div><div class=\"ps31 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21382 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps15180\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21384 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21383\">-268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21385 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps18401\">-273<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21314 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps9585\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21315 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps17193\">-692<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1221\"><div><div class=\"ps31 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21386 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps15181\">-129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13496 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17800\">-275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21388 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps21387\">710<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21320 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps10792\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21321 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps9101\">320<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund von Modifikationen ohne Ausbuchungen (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13502 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21390 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17447\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21326 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21327 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps12431\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21391 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17418\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21393 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17437\">-241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21331 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21394\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21332 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21395\">-251<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21396 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10908 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21336 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21337 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps13351\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21398 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17418\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13519 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17453\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17466\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21341 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21342 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps9119\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21400 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps10125\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13527 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17364\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17902\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21347 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21402\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21349 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps9306\">-30<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps9395\">407<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13534 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps10098\">529<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21404\">1.854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21356 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps17388\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21357 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21304\">2.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21407 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21406\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17386\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17386\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21361 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21362 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21409\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps1864\">davon sonstige Sichteinlagen bei Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21410 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21411 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17367\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21366 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21367 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps7000\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Buchwerte der finanziellen Verm\u00f6genswerte \u2013 Amortized Cost nach Rating-Kategorien <span id=\"ie4cd065400d347c090c5e4ccef5ec1d3\"></span></span></div><div class=\"ps21414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">und Stages</span></div><div class=\"ps21415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kreditw\u00fcrdigkeitsanalyse von finanziellen Verm\u00f6genswerten ist eine zeitliche Beurteilung der Ausfallwahrscheinlichkeit der </span></div><div class=\"ps21416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte.</span></div><div class=\"ps21417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Exzellent sind Risikopositionen, die eine starke F\u00e4higkeit zur Erf\u00fcllung finanzieller Verpflichtungen mit <span class=\"f ps24\"> </span></span></div><div class=\"ps21418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vernachl\u00e4ssigbarer oder keiner Ausfallwahrscheinlichkeit aufweisen (Non-Retail PD-Skala &gt;0,0000 \u2264 0,0300 Prozent </span></div><div class=\"ps21419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">und Retail PD-Skala &gt;0,00 \u2264 0,17 Prozent).</span></div><div class=\"ps21420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sehr gute Risikopositionen weisen eine starke F\u00e4higkeit zur Erf\u00fcllung finanzieller Verpflichtungen auf, wobei die </span></div><div class=\"ps21421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallwahrscheinlichkeit vernachl\u00e4ssigbar oder gering ist (Non-Retail PD-Skala &gt;0,0300 \u2264 0,1878 Prozent und Retail </span></div><div class=\"ps21422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">PD-Skala &gt;0,17 \u2264 0,35 Prozent).</span></div><div class=\"ps21423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Gut sind Risikopositionen, die eine gute F\u00e4higkeit zur Erf\u00fcllung finanzieller Verpflichtungen mit geringem Ausfallrisiko <span class=\"f ps24\"> </span></span></div><div class=\"ps21424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">aufweisen (Non-Retail PD-Skala &gt;0,1878 \u2264 1,1735 Prozent und Retail PD-Skala &gt;0,35 \u2264 1,37 Prozent).</span></div><div class=\"ps21425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zufriedenstellend sind Risikopositionen, die einer genaueren \u00dcberwachung bed\u00fcrfen und eine durchschnittliche bis </span></div><div class=\"ps21426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">angemessene F\u00e4higkeit zur Erf\u00fcllung finanzieller Verpflichtungen mit einem moderaten Ausfallrisiko aufweisen (Non-</span></div><div class=\"ps21427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Retail PD-Skala &gt;1,1735 \u2264 7,3344 Prozent und Retail PD-Skala &gt;1,37 \u2264 7,28 Prozent).</span></div><div class=\"ps21428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Unterdurchschnittlich sind Risikopositionen, die unterschiedliche St\u00e4rken spezieller Aufmerksamkeit erfordern und ein </span></div><div class=\"ps21429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">besorgniserregendes Ausfallrisiko aufweisen (Non-Retail PD-Skala &gt;7,3344 &lt; 100,0 Prozent und Retail PD-Skala &gt;7,28 </span></div><div class=\"ps21430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">&lt; 100 Prozent).</span></div><div class=\"ps21431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Beeintr\u00e4chtigte Bonit\u00e4t haben Risikopositionen, die als wertgemindert eingestuft werden (PD-Skala 100,0 Prozent </span></div><div class=\"ps21432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">sowohl f\u00fcr Non-Retail als auch f\u00fcr Retail).</span></div><div class=\"ps21433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt den Zusammenhang zwischen Rating-Kategorien und Stages nach IFRS 9. Dabei ist zu beachten, </span></div><div class=\"ps21434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass es bei finanziellen Verm\u00f6genswerten in Stage 1 und 2 aufgrund des relativen Charakters einer erheblichen Erh\u00f6hung des </span></div><div class=\"ps21435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisikos nicht zwingend erforderlich ist, dass Verm\u00f6genswerte der Stage 2 eine niedrigere Bonit\u00e4t besitzen als Stage 1, </span></div><div class=\"ps21436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">obwohl dies normalerweise der Fall ist.</span></div><div class=\"ps21523 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps17390\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps21438\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21439 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps20916\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps1148\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12333 ss877\"><div><div class=\"ps3137 ss876\"><span class=\"f charStyle-1dbd4d87 ps20194\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1224\"><div><div class=\"ps516 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21440 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps12494\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps12503\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21442 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21443 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21444 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21445\">25.021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21447 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20207\">210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21449 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21450 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21451 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps20235\">25.231<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21452\">42.135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21454 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20685\">2.043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21455 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21457 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21459 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21458\">44.178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21460\">49.592<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21462 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20559\">4.548<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21463 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21465 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21467 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21466\">54.145<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21468\">17.658<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21470 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps18387\">5.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21471 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21473 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21472\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21475 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21474\">23.259<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20120\">1.740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21478 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21477\">2.131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21479 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21481 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21480\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21483 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21482\">3.880<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21485 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21487 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21486\">2.965<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21488 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20362\">132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21489 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps804\">3.097<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21491 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21490\">1.812<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21492 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21486\">2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21494 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21493\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21496 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21495\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21498 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21497\">3.949<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21499 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20228\">137.958<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21501 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21500\">16.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21503 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21502\">3.066<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8534 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21504\">176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21505 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps20263\">157.739<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21507 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21506\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21509 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21508\">-463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21511 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21510\">-1.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21513 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21512\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21515 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21514\">-2.231<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21516 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps17468\">137.680<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21517 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20346\">16.077<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21518 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20730\">1.640<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21520 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21519\">111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21522 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps21521\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps17390\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps21438\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21439 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps20916\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps1148\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12333 ss877\"><div><div class=\"ps3137 ss876\"><span class=\"f charStyle-1dbd4d87 ps20194\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1224\"><div><div class=\"ps516 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21440 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps12494\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps12503\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21442 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21443 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21444 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps17386\">20.556<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21447 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21524\">905<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21449 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21450 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21451 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21525\">21.462<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20215\">40.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21454 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21526\">2.385<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21455 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21457 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21527\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21459 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21528\">43.304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21529\">43.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21462 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19280\">4.711<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21463 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21465 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21480\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21467 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps1231\">47.732<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21530\">20.880<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21470 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21531\">5.462<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21471 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21473 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21532\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21475 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21533\">26.355<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20786\">1.710<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21478 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps1218\">2.287<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21479 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21481 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21534\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21483 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21535\">4.006<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21485 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21487 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20141\">3.483<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21488 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21536\">196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21489 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21537\">3.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21491 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21538\">2.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21492 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21539\">1.226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21494 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21540\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21496 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21541\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21498 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps835\">3.974<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21499 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21394\">129.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21501 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21542\">16.977<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21503 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21543\">3.571<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8534 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21544\">244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21505 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps21545\">150.512<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21507 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20218\">-353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21509 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20132\">-527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21511 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21546\">-1.850<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21513 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21547\">-81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21515 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21548\">-2.810<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21516 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20539\">129.367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21517 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21500\">16.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21518 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21549\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21520 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21550\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21522 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps772\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps12822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kategorie nicht geratet beinhaltet vor allem finanzielle Verm\u00f6genswerte f\u00fcr Haushalte (vorwiegend in Serbien und </span></div><div class=\"ps12823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien), f\u00fcr die noch keine Ratings verf\u00fcgbar sind und deren Einstufung daher auf qualitativen Faktoren basiert.</span></div><div class=\"ps21551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(14) Modifizierte Verm\u00f6genswerte<span id=\"i3a6772f348d7478faa3ca2d538d28367\"></span></span></div><div class=\"ps21552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kommt es zur Modifikation eines finanziellen Verm\u00f6genswerts, unterscheidet die RBI, ob es sich um eine wesentliche oder </span></div><div class=\"ps21553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwesentliche Modifikation handelt. Die RBI sieht eine \u00c4nderung als wesentlich an, wenn sich der abgezinste Barwert der Cash-</span></div><div class=\"ps21554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Flows unter den neuen Bedingungen unter Verwendung des urspr\u00fcnglichen Effektivzinssatzes um mindestens 10 Prozent von </span></div><div class=\"ps21555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem abgezinsten Barwert der verbleibenden Cash-Flows der urspr\u00fcnglichen finanziellen Verm\u00f6genswerte unterscheidet </span></div><div class=\"ps21556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Barwerttest). Neben dem Barwerttest werden weitere quantitative und qualitative Kriterien bei der Beurteilung, ob es sich um </span></div><div class=\"ps21557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine wesentliche \u00c4nderung handelt, herangezogen. Die weiteren quantitativen Kriterien stellen dabei im Wesentlichen auf die </span></div><div class=\"ps21558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verl\u00e4ngerung der durchschnittlichen Restlaufzeit ab. Bei Umstrukturierungen von Stage-3-Krediten werden oft die maximal </span></div><div class=\"ps21559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">noch zu erwarteten Zahlungen vonseiten der Kund:innen angesetzt. Ist dies der Fall, so wird basierend auf einer </span></div><div class=\"ps21560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermessensentscheidung beurteilt, ob die Vertrags\u00e4nderung wirtschaftlich einen neuen finanziellen Verm\u00f6genswert ergibt. Als </span></div><div class=\"ps21561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">qualitative Kriterien f\u00fcr die Schlussfolgerung einer wesentlichen \u00c4nderung der Vertragsbedingungen gelten sowohl der Wechsel </span></div><div class=\"ps21562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der zugrunde liegenden W\u00e4hrung als auch Klauseln, die dazu f\u00fchren, dass das vertragliche Zahlungsstromkriterium gem\u00e4\u00df IFRS </span></div><div class=\"ps21563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">9 nicht erf\u00fcllt ist, oder eine \u00c4nderung der Art des Instruments (z. B. Anleihe wird in Darlehen umgewandelt).</span></div><div class=\"ps21564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentliche Modifikationen f\u00fchren zur Ausbuchung des bestehenden Verm\u00f6genswerts und Erfassung eines neuen </span></div><div class=\"ps21565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzinstruments zum beizulegenden Zeitwert (inklusive neuer Klassifizierung und neuer Stage-Zuordnung f\u00fcr die <span class=\"f ps24\"> </span></span></div><div class=\"ps21566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungslogik). Unwesentliche Modifikationen f\u00fchren nicht zu einer Ausbuchung, sondern zu einer erfolgswirksamen </span></div><div class=\"ps21567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassung des Bruttobuchwerts.</span></div><div class=\"ps21568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufgrund des anhaltenden negativen wirtschaftlichen Umfeldes kam es im Gesch\u00e4ftsjahr 2025 zu einem leichten Anstieg des </span></span></div><div class=\"ps21569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Netto-Modifikationseffektes. Er erh\u00f6hte sich im Jahresvergleich auf minus \u20ac 33 Millionen. Im Wesentlichen waren Kredite aus </span></span></div><div class=\"ps21570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Slowakei, \u00d6sterreich und Ungarn davon betroffen. </span></span></div><div class=\"ps21580 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:243pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1227\"><div><div class=\"ps31 ss1226\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6348 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps21571\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6350 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps21573\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps21574\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps10650\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1227\"><div><div class=\"ps31 ss1226\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1227\"><div><div class=\"ps31 ss1226\"><span class=\"f charStyle-375ad3a6 ps30\">Netto-Modifikationseffekt aus finanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21575 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20460\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18490 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21576\">-33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1227\"><div><div class=\"ps31 ss1226\"><span class=\"f charStyle-375ad3a6 ps30\">Fortgef\u00fchrte Anschaffungskosten vor Modifikation von finanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21577 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6337\">1.199<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18446 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3117\">328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20487\">327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1667\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21578\">1.856<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1228\"><div><div class=\"ps1485 ss1226\"><span class=\"f charStyle-375ad3a6 ps30\">Bruttobuchwert zum 31.12. der modifizierten Verm\u00f6genswerte, die w\u00e4hrend des Jahres zu <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1226\"><span class=\"f charStyle-375ad3a6 ps30\">Stage 1 zur\u00fcckwechselten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21579 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18449 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21583 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:243pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1227\"><div><div class=\"ps31 ss1226\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6348 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps21571\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6350 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps21573\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps21574\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6353 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps10650\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6354 ss1196\"><div><div class=\"ps21572 ss61\"><span class=\"f charStyle-1dbd4d87 ps2702\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1227\"><div><div class=\"ps31 ss1226\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1227\"><div><div class=\"ps31 ss1226\"><span class=\"f charStyle-375ad3a6 ps30\">Netto-Modifikationseffekt aus finanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21575 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18490 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20441 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20442 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21582\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1227\"><div><div class=\"ps31 ss1226\"><span class=\"f charStyle-375ad3a6 ps30\">Fortgef\u00fchrte Anschaffungskosten vor Modifikation von finanziellen Verm\u00f6genswerten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21577 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9431\">1.634<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18446 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12863\">392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9376\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20452 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1548\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20454 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21195\">2.138<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1228\"><div><div class=\"ps1485 ss1226\"><span class=\"f charStyle-375ad3a6 ps30\">Bruttobuchwert zum 31.12. der modifizierten Verm\u00f6genswerte, die w\u00e4hrend des Jahres zu <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1226\"><span class=\"f charStyle-375ad3a6 ps30\">Stage 1 zur\u00fcckwechselten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21579 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18449 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6719 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(15) Finanzielle Verbindlichkeiten - Amortized Cost<span id=\"ic589983b8671414ca319907c79a1b2e8\"></span></span></div><div class=\"ps21585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten werden \u00fcberwiegend mit den fortgeschriebenen Anschaffungskosten angesetzt. Unterschiedsbetr\u00e4ge </span></div><div class=\"ps21586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen Auszahlungsbetrag und Nennbetrag werden effektivzinsgerecht abgegrenzt und im Zins\u00fcberschuss ausgewiesen. In </span></div><div class=\"ps21587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Kategorie werden vor allem Kundeneinlagen und Wertpapieremissionen, die der Refinanzierung dienen, ausgewiesen.</span></div><div class=\"ps21588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emittiertes Nachrangkapital und Erg\u00e4nzungskapital werden entweder in dem Posten finanzielle Verbindlichkeiten \u2013 Amortized <span class=\"f ps24\"> </span></span></div><div class=\"ps21589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cost oder finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss ausgewiesen. Verbriefte und nicht </span></div><div class=\"ps21590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbriefte Verm\u00f6genswerte sind nachrangig, wenn die Forderungen im Fall der Liquidation oder des Konkurses erst nach den </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen der anderen, nicht nachrangigen Gl\u00e4ubiger befriedigt werden k\u00f6nnen. Erg\u00e4nzungskapital ist gem\u00e4\u00df Art. 63 der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verordnung (EU) Nr 575/2013 (CRR) definiert. Entsprechende Instrumente weisen eine Ursprungslaufzeit von mindestens f\u00fcnf </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahren auf, sind nachrangiger Natur und d\u00fcrfen, unter anderem, keinen Anreiz zur vorzeitigen Tilgung enthalten, den </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inhaber:innen kein Anrecht auf eine Beschleunigung der R\u00fcckzahlung einr\u00e4umen oder Zins- bzw. Dividendenzahlungen <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inkludieren, die in ihrer H\u00f6he von der Bonit\u00e4t des Emittenten beeinflusst werden.</span></div><div class=\"ps21608 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21591\">20.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17950\">22.999<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21592\">12.668<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21593\">12.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17364\">6.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1141\">7.310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21594\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18738\">3.009<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21595\">127.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17371\">117.693<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20221\">88.481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18429\">80.467<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21596\">37.629<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21597\">35.703<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20713\">1.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21598\">1.524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20038\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20255\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Gedeckte Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21599\">6.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">514<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20838\">14.188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13931\">15.576<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon wandelbare zusammengesetzte Finanzinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21601\">2.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20130\">13.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19965\">13.215<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21602\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20215\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10096\">170.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21603\">163.316<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21604\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21605\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Leasingverbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">364<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bereich der Verbindlichkeiten gegen\u00fcber Kreditinstituten verringerten sich die Verbindlichkeiten mit vereinbarter Laufzeit </span></div><div class=\"ps21610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere in der Konzernzentrale, um \u20ac 762 Millionen. Der R\u00fcckgang in den R\u00fcckkaufvereinbarungen fand ebenfalls </span></div><div class=\"ps21611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberwiegend in der Konzernzentrale statt. Hier kam es zu einer Reduktion von \u20ac 1.609 Millionen. </span></div><div class=\"ps21612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die kurzfristigen Betr\u00e4ge/Tagesgeldeinlagen gegen\u00fcber Kunden verzeichneten in Tschechien einen erheblichen Anstieg </span></div><div class=\"ps21613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 5.020 Millionen), wobei die Zunahme bei Einlagen von Haushalten am deutlichsten ausfiel. Des Weiteren erh\u00f6hten </span></div><div class=\"ps21614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich die Verbindlichkeiten mit vereinbarter Laufzeit besonders stark in Ungarn (Anstieg: \u20ac 858 Millionen) und in der Slowakei </span></div><div class=\"ps21615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 604 Millionen). </span></div><div class=\"ps21616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gedeckten Schuldverschreibungen erh\u00f6hten sich in der Slowakei aufgrund von eigenen Emissionen um \u20ac 1.052 Millionen. Im </span></div><div class=\"ps21617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegensatz dazu verringerten sich die sonstigen verbrieften Verbindlichkeiten, insbesondere in der Konzernzentrale (R\u00fcckgang: </span></div><div class=\"ps21618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0912 Millionen) aufgrund des Auslaufens diverser Emissionen und in der Slowakei (R\u00fcckgang: \u20ac 313 Millionen) aufgrund der <span class=\"f ps24\"> </span></span></div><div class=\"ps21619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzeitigen Tilgung einer Anleihe. <span class=\"f ps24\"> </span></span></div><div class=\"ps21620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen finanziellen Verbindlichkeiten erh\u00f6hten sich aufgrund von schwebenden Verrechnungen und auszuzahlenden </span></div><div class=\"ps21621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betr\u00e4gen \u00fcberwiegend in Russland um \u20ac 310 Millionen.</span></div><div class=\"ps21622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden nach Asset-Klassen:</span></div><div class=\"ps21627 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20353\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">391<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21624\">3.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21625\">3.104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20240\">20.241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20045\">22.607<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20157\">11.978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17149\">11.403<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19187\">46.163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21626\">43.833<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17382\">65.656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps10756\">59.353<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18498\">148.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9394\">140.692<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verbindlichkeiten gegen\u00fcber Haushalten verzeichneten ihre gr\u00f6\u00dften Anstiege in Tschechien (Anstieg: \u20ac 3.708 Millionen), in </span></div><div class=\"ps21630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei (Anstieg: \u20ac 739 Millionen) und in Rum\u00e4nien (Anstieg: \u20ac 598 Millionen) </span><span class=\"f charStyle-9eccfdcb ps21629\">.</span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentliche begebene Schuldverschreibungen:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:111pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps30\">Emittent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21631 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">ISIN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21632 ss158\"><div><div class=\"ps516 ss142\"><span class=\"f charStyle-1dbd4d87 ps30\">Typ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9571 ss905\"><div><div class=\"ps516 ss178\"><span class=\"f charStyle-1dbd4d87 ps16306\">W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps775 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps21633\">Nominale in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps5201\">Millionen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11178 ss905\"><div><div class=\"ps516 ss178\"><span class=\"f charStyle-1dbd4d87 ps15140\">Kupon<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps1872\">F\u00e4lligkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-3e64e966 ps12753\">Wahl-</span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-3e64e966 ps3248\">R\u00fcckzahlungstag</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21635 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2579606927<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21636 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21637 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21638 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps436\">1.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21639 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6441\"></span><span class=\"ps6441\">4,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21640 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17230\">26.01.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21642 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21641\">26.01.2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21643 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">AT000B015714<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21644 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior private Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21645 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21646 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps501\">800<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11184 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21647 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1923\">17.04.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21648 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21649 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2055627538<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21650 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21651 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21653 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21652\">750<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21654 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5914\"></span><span class=\"ps5914\">0,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21655 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6033\">25.09.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21656 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">TBSK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21657 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">SK4000026043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21658 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21659 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21661 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21660\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21662 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11460\"></span><span class=\"ps11460\">2,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21663 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5188\">09.10.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21664 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">TBSK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21665 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">SK4000027389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21666 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21667 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21668 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21660\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21669 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11460\"></span><span class=\"ps11460\">2,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21670 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps19916\">27.05.2030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18687 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2596528716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21672 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21673 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21674 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21675 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21676 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1599\">16.03.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18691 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21677 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2537097409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21678 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21679 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21680 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21681 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9269\"></span><span class=\"ps9269\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21682 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8219\">28.09.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18696 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21683 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2481491160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21684 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21685 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21686 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21687 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1909\"></span><span class=\"ps1909\">1,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21688 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8211\">24.05.2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18700 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21689 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2626022656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21690 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21691 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21692 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21693 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1227\"></span><span class=\"ps1227\">3,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21694 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7493\">27.09.2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18702 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21695 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2435783613<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21696 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21697 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21698 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21699 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1907\"></span><span class=\"ps1907\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21700 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9422\">26.01.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18705 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21701 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2547936984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21702 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21703 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21704 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21705 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17193\"></span><span class=\"ps17193\">5,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21706 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17288\">27.01.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21707 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2682093526<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21709 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21710 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21711 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21712 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9590\"></span><span class=\"ps9590\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21713 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13556\">15.09.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8540\">15.09.2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21715 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2765027193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21716 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21717 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21718 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11206 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12869\"></span><span class=\"ps12869\">4,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21719 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9422\">21.08.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21720 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12818\">21.08.2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21721 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2086861437<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21722 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21723 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21724 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21725 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1907\"></span><span class=\"ps1907\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21726 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21267\">03.12.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21727 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21728 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2893858352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21729 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21730 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21731 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21732 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21733 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21215\">03.01.2030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21734 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps355\">03.01.2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21735 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2826609971<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21736 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21737 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21738 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21739 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12932\"></span><span class=\"ps12932\">4,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21740 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17785\">31.05.2030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21741 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9896\">31.05.2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21742 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS3166786619<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21743 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21744 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21745 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21747 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21746\"></span><span class=\"ps21746\">3,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21748 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps11079\">27.08.2031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12769\">27.08.2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">TBSK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21750 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">SK4000027918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21751 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21752 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21753 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21754 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9269\"></span><span class=\"ps9269\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21755 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9335\">11.09.2031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS3004031822<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21758 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21759 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21760 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21761 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21746\"></span><span class=\"ps21746\">3,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21762 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1923\">18.02.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps449\">18.02.2031<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21764 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2189786226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21765 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21766 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21767 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21768 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9269\"></span><span class=\"ps9269\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21769 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps2053\">18.06.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21771 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21770\">18.06.2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21772 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2534786590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21773 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21774 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21775 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21776 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9226\"></span><span class=\"ps9226\">7,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21777 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10262\">20.12.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps231\">20.09.2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2353473692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21780 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21781 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21782 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21783 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17288\"></span><span class=\"ps17288\">1,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21784 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10631\">17.06.2033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8533\">17.03.2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS3227928911<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21787 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21788 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21789 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21790 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21791 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps11402\">13.11.2033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19400\">13.11.2032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21793 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2904849879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21794 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21795 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21796 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21797 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21746\"></span><span class=\"ps21746\">5,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21798 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17777\">02.01.2035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1555\">02.10.2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Berichtsperiode beliefen sich die Aufwendungen f\u00fcr nachrangige Verbindlichkeiten auf \u20ac 91 Millionen (Vorjahr: \u20ac\u00a077 </span></div><div class=\"ps21801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen). </span></div><div class=\"ps21802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung der nachrangigen finanziellen Verbindlichkeiten der Bewertungskategorien Amortized Cost und Designated Fair </span></div><div class=\"ps21803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value Through Profit/Loss:</span></div><div class=\"ps21807 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:381.75pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">2.167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">94<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20208\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17413\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21806\">-194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17516\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(16) Fair Value von Finanzinstrumenten, die nicht zum Fair Value <span id=\"i61ecd333326d4012893dac48c3034f3f\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-27958eee ps17\">ausgewiesen werden</span><span class=\"f charStyle-27958eee\"><span class=\"ps21809\"><span style=\"display:inline-block;height:9.88pt;width:21.99pt\"></span></span></span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr folgende Instrumente wird der beizulegende Zeitwert nur f\u00fcr Zwecke der Anhangangaben kalkuliert und hat weder Einfluss </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die Konzernbilanz noch auf die Konzern-Erfolgsrechnung. F\u00fcr alle kurzfristigen Transaktionen (Transaktionen mit einer <span class=\"f ps24\"> </span></span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeit von bis zu drei Monaten) wird eine vereinfachte Fair-Value-Berechnungsmethode f\u00fcr Kredite und Forderungen </span></div><div class=\"ps21810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewendet. Der beizulegende Zeitwert dieser kurzfristigen Transaktionen entspricht dem Buchwert des Produkts. F\u00fcr die </span></div><div class=\"ps21811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Transaktionen wird die im Abschnitt Fair Value von zum Fair Value ausgewiesenen Finanzinstrumenten beschriebene </span></div><div class=\"ps21812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Methode angewendet.</span></div><div class=\"ps21853 ss0\"><div class=\"ss1231 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13344\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21814 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1081\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps9088\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21375 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21816\">Fair Value<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21817 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps2094\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11191\">Differenz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17674 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21819 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21820 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21821 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21822 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19412 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12736 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21823\">33.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13222 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps10459\">1.947<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17959 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21824\">119.632<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21825 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5943\">155.028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21826 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps3158\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19585 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1654\">-481<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12745 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps6818\">33.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13233 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21641\">1.947<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17965 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps8533\">2.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps6990\">38.026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21828 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps3117\">38.150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19429 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps19400\">-124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12756 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13244 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18613\">117.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18613\">117.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21831 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11470\">117.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19436 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11549\">-356<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12777 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8722\">1.145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13269 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps12707\">18.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7023\">150.990<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21833 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1476\">171.086<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21834 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13100\">170.225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21835 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16896\">861<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13282 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21836 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">148.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">148.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">147.849<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21840 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21839\">479<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12795 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13577\">1.145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps20487\">18.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21841 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps184\">1.375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21842\">21.471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21844 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps1604\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21845 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21839\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12803 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21847 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21849 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19794 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1232\"><div><div class=\"ps3120 ss1231\"><span class=\"f charStyle-2babd150 ps30\">1 Gem\u00e4\u00df IFRS 7 sind Leasingverbindlichkeiten nicht enthalten.<span class=\"f ps24\"> </span></span></div><div class=\"ps21850 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level I Notierte Marktpreise<span class=\"f ps24\"> </span></span></div><div class=\"ps21851 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level II Auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div><div class=\"ps21852 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level III Nicht auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21866 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps534\">Fair Value<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1664\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps21854\">Differenz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17674 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17675 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17677 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16646 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17678 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17679 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12736 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12766\">26.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21856 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6493\">1.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17163 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps9403\">118.021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21857 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6462\">146.530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12455\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21858 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps7196\">-1.171<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12745 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21859\">26.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21860 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19568\">1.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17171 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">1.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1608\">30.473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17173 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16642\">30.783<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21862\">-310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12756 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17692 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17693 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21864\">116.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17694 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21864\">116.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17696 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8907\">116.919<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17765\">-862<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12472\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18025\">18.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11488\">143.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11462\">162.361<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11547\">162.951<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps13003\">-590<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12470\">139.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12470\">139.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11446\">140.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps297\">-889<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12795 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21865\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17717 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10573\">18.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17718 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">1.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17719 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps330\">21.301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17720 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12445\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17721 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1623\">298<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12803 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17723 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17724 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17725 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11525 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11527 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1233\"><div><div class=\"ps3120 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Gem\u00e4\u00df IFRS 7 sind Leasingverbindlichkeiten nicht enthalten.<span class=\"f ps24\"> </span></span></div><div class=\"ps21850 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level I Notierte Marktpreise<span class=\"f ps24\"> </span></span></div><div class=\"ps21851 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level II Auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div><div class=\"ps21852 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level III Nicht auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Zum Fair Value bewertete Finanzinstrumente<span id=\"i845d733410504a4ca47a2e289e210bc5\"></span></span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(17) Finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive <span id=\"i83a39ae3550a41f28739760e426e4263\"></span></span></div><div class=\"ps5602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Income</span></div><div class=\"ps5603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Fremdkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn beide der </span></div><div class=\"ps5604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden Bedingungen erf\u00fcllt sind:<span class=\"f ps24\"> </span></span></div><div class=\"ps15710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert wird im Rahmen eines Gesch\u00e4ftsmodells gehalten, dessen Zielsetzung darin besteht, sowohl </span></div><div class=\"ps15712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vertragliche Cash-Flows zu vereinnahmen als auch finanzielle Verm\u00f6genswerte zu ver\u00e4u\u00dfern.</span></div><div class=\"ps21867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die vertraglichen Ausstattungsmerkmale des Verm\u00f6genswerts f\u00fchren an festgelegten Zeitpunkten zu Cash-Flows, <span class=\"f ps24\"> </span></span></div><div class=\"ps21868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die ausschlie\u00dflich Tilgungs- und Zinszahlungen auf den ausstehenden Kapitalbetrag darstellen.</span></div><div class=\"ps21869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Kategorie werden vor allem Wertpapiere der Liquidit\u00e4tssteuerung zugeordnet.</span></div><div class=\"ps21870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bewertung erfolgt zum beizulegenden Zeitwert. Zinsertr\u00e4ge, Fremdw\u00e4hrungsgewinne und -verluste aus der Neubewertung </span></div><div class=\"ps21871 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie Wertminderungsaufwendungen oder Wertaufholungen werden in der Erfolgsrechnung erfasst und so berechnet wie bei </span></div><div class=\"ps21872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu fortgef\u00fchrten Anschaffungskosten bewerteten finanziellen Verm\u00f6genswerten. Die verbleibenden Fair-Value-\u00c4nderungen </span></div><div class=\"ps21873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im sonstigen Ergebnis erfasst. Bei Ausbuchung werden die im sonstigen Ergebnis erfassten kumulierten Nettogewinne </span></div><div class=\"ps21874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder -verluste aus den Fair-Value-\u00c4nderungen in die Erfolgsrechnung umgegliedert. Erl\u00e4uterungen zum angewandten </span></div><div class=\"ps21875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungsmodell finden sich im Abschnitt allgemeine Regelungen zu Wertminderungen (IFRS 9).</span></div><div class=\"ps21876 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Eigenkapitalinstrument wird in der RBI zum Fair Value Through Other Comprehensive Income bewertet, wenn sich die RBI bei </span></div><div class=\"ps21877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ersterfassung unwiderruflich daf\u00fcr entscheidet, nachfolgende \u00c4nderungen des Fair Values im sonstigen Ergebnis (OCI) <span class=\"f ps24\"> </span></span></div><div class=\"ps21878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darzustellen. Diese Entscheidung wird f\u00fcr jede Anlage einzeln getroffen und betrifft im Wesentlichen strategische </span></div><div class=\"ps21879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen, die nicht vollkonsolidiert werden, sowie assoziierte Unternehmen, die nicht at-equity bewertet werden. Anders </span></div><div class=\"ps21880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als bei Schuldinstrumenten werden die im sonstigen Ergebnis (OCI) erfassten Gewinne und Verluste beim Verkauf nicht in die </span></div><div class=\"ps21881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung umgegliedert, und auch Wertminderungen werden nicht erfolgswirksam erfasst.</span></div><div class=\"ps21953 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20235\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21914\">4.255<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21921\">3.532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21925\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20258\">3.517<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21928\">573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21933\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21940\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21948\">4.506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20712\">4.486<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21964 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20737\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21956\">3.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1186\">2.207<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20625\">685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21959\">680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21960\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21961\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20162\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21962\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21963\">3.610<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert des Postens finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income erh\u00f6hte sich im </span></div><div class=\"ps21966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleich zum Jahresende 2024 um \u20ac 876 Millionen auf \u20ac 4.486 Millionen, vorwiegend durch den Kauf von Staatsanleihen in </span></div><div class=\"ps21967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rum\u00e4nien, Tschechien und der Ukraine, teilweise kompensiert durch den Verkauf von Staatsanleihen in Ungarn.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenkapitalinstrumente in den finanziellen Verm\u00f6genswerten \u2013 Fair Value Through Other Comprehensive Income:</span></div><div class=\"ps7104 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:64.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps779 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-1dbd4d87 ps17448\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Visa Inc., San Francisco (US), Class A Preferred Stock<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps787 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21970\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">CEESEG Aktiengesellschaft, Wien (AT), Stammaktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21971\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps812\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Medicur - Holding Gesellschaft m.b.H., Wien (AT), Gesellschaftsanteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21972\">18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">HOBEX AG, Salzburg (AT), Gesellschaftsanteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps19281\">13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">PSA Payment Services Austria GmbH, Wien (AT), Gesellschaftsanteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21973\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps21974\">108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21477\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-1dbd4d87 ps20866\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgesch\u00fcttete Dividende auf Eigenkapitalinstrumente - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss1178\"><div><div class=\"ps31 ss193\"><span class=\"f charStyle-375ad3a6 ps20870\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Buchwerte der finanziellen Verm\u00f6genswerte \u2013 Fair Value Through Other <span id=\"ie06755b3784c4a188233184093abeaa9\"></span></span></div><div class=\"ps21976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Comprehensive Income ohne Eigenkapitalinstrumente nach Rating-Kategorien und </span></div><div class=\"ps21977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stages<span class=\"f ps24\"> </span></span></div><div class=\"ps22004 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1223\"><div><div class=\"ps3137 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps17390\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps21438\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21439 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps20916\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps1148\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12333 ss877\"><div><div class=\"ps3137 ss876\"><span class=\"f charStyle-1dbd4d87 ps20194\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1224\"><div><div class=\"ps516 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21440 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps12494\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps12503\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21442 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21443 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21444 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20647\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21447 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21449 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21450 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21451 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21978\">589<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20670\">914<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21454 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21455 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21457 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21459 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21979\">914<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21980\">2.106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21462 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21981\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21463 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21465 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21467 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21982\">2.149<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21983\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21470 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21984\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21471 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21473 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21475 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21985\">37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21986\">576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21478 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21479 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21481 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21483 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21534\">581<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21485 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21487 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21488 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21489 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21987\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21491 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21492 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21494 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21496 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21498 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21988\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21499 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21989\">4.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21501 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21990\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21503 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21991\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8534 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21505 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps21993\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21507 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21512\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21509 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21994\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21511 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21995\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21513 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21515 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21996\">-70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kumuliertes sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21516 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13625\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21517 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21527\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21518 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21520 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21522 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps21997\">50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21998 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20208\">4.201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22000 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21999\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22001 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22002 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22003 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps20553\">4.255<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22078 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:98.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22005 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps17390\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps21438\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22007 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps20916\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps1148\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22008 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps4165\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1241\"><div><div class=\"ps516 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22009 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps12494\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps12503\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22010 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22011 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22012 ss1225\"><div><div class=\"ps3168 ss587\"><span class=\"f charStyle-1dbd4d87 ps11289\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss587\"><span class=\"f charStyle-1dbd4d87 ps21441\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22014 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22013\">752<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22015 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22016 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22017 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22018 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22013\">752<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22019 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19920\">861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22021 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22023 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19920\">861<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22025 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22024\">1.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22026 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21540\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22027 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22028 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22030 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22029\">1.437<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22032 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22031\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22031\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22038 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22037\">315<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20612\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22040 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22043 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22042\">348<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22044 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22046 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22048 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21464\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22049 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22051 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22053 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22054 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps18521\">3.304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22056 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps22055\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22057 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21991\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10363 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22058 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21533\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22060 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22059\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22062 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22063 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22064 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22065 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21512\">-59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-375ad3a6 ps30\">Kumuliertes sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22067 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22066\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22068 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21527\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22069 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22071 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22031\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1240\"><div><div class=\"ps31 ss1239\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22072 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps18455\">3.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22073 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps22055\">121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22074 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22075 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21992\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22077 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps22076\">3.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(18) Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair <span id=\"i042f4693f9be4cfa9a3f6706415f2ffa\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value Through Profit/Loss</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein finanzieller Verm\u00f6genswert wird in der RBI verpflichtend zum Fair Value ausgewiesen, wenn der finanzielle Verm\u00f6genswert </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weder zu fortgef\u00fchrten Anschaffungskosten noch zum Fair Value Through Other Comprehensive Income bewertet wird, zudem </span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Handelsabsicht besteht und der Verm\u00f6genswert nicht freiwillig zum Fair Value designiert wurde. Im Wesentlichen handelt </span></div><div class=\"ps21810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sich hierbei um Wertpapiere und Kredite, die die \u00dcberpr\u00fcfung der vertraglichen Zahlungsstrombedingungen nicht erf\u00fcllen, </span></div><div class=\"ps21811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. Portfolios von finanziellen Verm\u00f6genswerten, die nicht Handelszwecken dienen, die anhand des Fair Values gesteuert und </span></div><div class=\"ps21812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach dessen Wertentwicklung beurteilt werden.</span></div><div class=\"ps21853 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20644\">410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20142\">399<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22083\">22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22084\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21956\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22085\">277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">187<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21539\">636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">476<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21542\">1.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17356\">1.094<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(19) Finanzielle Verm\u00f6genswerte und Verbindlichkeiten \u2013 Designated Fair <span id=\"i865a4016071b4a02a0a6724f0ba04d20\"></span></span></div><div class=\"ps22088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value Through Profit/Loss</span></div><div class=\"ps22089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Kategorie umfasst im Wesentlichen jene finanziellen Verm\u00f6genswerte, die zum Zeitpunkt des erstmaligen Bilanzansatzes </span></div><div class=\"ps22090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflich als designiertes Finanzinstrument zum Fair Value gewidmet wurden (sog. Fair-Value-Option). Die Anwendung der </span></div><div class=\"ps22091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Option ist an die Voraussetzung gekn\u00fcpft, dass Inkongruenzen bei der Bewertung oder beim Ansatz beseitigt oder </span></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant verringert werden. Diese entstehen, wenn die Bewertung von finanziellen Verm\u00f6genswerten oder Verbindlichkeiten <span class=\"f ps24\"> </span></span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder die Erfassung von daraus resultierenden Gewinnen oder Verlusten auf unterschiedlicher Grundlage erfolgt. <span class=\"f ps24\"> </span></span></div><div class=\"ps22094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso werden finanzielle Verbindlichkeiten als Finanzinstrumente zum Fair Value designiert, um Bewertungsabweichungen </span></div><div class=\"ps22095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von den mit ihnen im Zusammenhang stehenden Derivaten zu vermeiden. Der Fair Value der unter Anwendung der Fair-Value-</span></div><div class=\"ps22096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Option in diese Kategorie klassifizierten finanziellen Verpflichtungen enth\u00e4lt s\u00e4mtliche Marktrisikofaktoren einschlie\u00dflich des </span></div><div class=\"ps22097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit diesen finanziellen Verpflichtungen in Verbindung stehenden Kreditrisikos des Emittenten. </span></div><div class=\"ps22098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den finanziellen Verpflichtungen geh\u00f6ren im Wesentlichen strukturierte Anleihen. Der Fair Value dieser finanziellen </span></div><div class=\"ps22099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen wird durch die Abzinsung der vertraglichen Cash-Flows mithilfe einer kreditrisikoadjustierten Zinsstrukturkurve </span></div><div class=\"ps22100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt, die das Niveau widerspiegelt, auf dem der Konzern \u00e4hnliche Finanzinstrumente zum Bilanzstichtag begeben w\u00fcrde. </span></div><div class=\"ps22101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Marktrisikoparameter werden anhand vergleichbarer Finanzinstrumente ermittelt. Bewertungsergebnisse f\u00fcr </span></div><div class=\"ps22102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die als Finanzinstrument zum Fair Value designiert wurden, werden im Handelsergebnis und Ergebnis aus </span></div><div class=\"ps22103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Bewertungen ausgewiesen. </span></div><div class=\"ps22104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse im Handelsergebnis und Ergebnis </span></div><div class=\"ps22105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen ausgewiesen. Bei finanziellen Verbindlichkeiten, die erfolgswirksam zum beizulegenden Zeitwert </span></div><div class=\"ps22106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designiert werden, sind \u00c4nderungen des Fair Values, die auf eine \u00c4nderung des eigenen Kreditrisikos zur\u00fcckzuf\u00fchren sind, nicht </span></div><div class=\"ps22107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Erfolgsrechnung, sondern im sonstigen Ergebnis ausgewiesen.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span id=\"i9e39870f126b4d3abb3606a2f1378d15\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span id=\"i0b418d0767b945fab2e3f8d72aebfa11\"></span></span></div><div class=\"ps22118 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18508\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22114\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22116\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading<span id=\"i0032ec4a067f4bbaa371ce022647eae2\"></span></span></div><div class=\"ps22121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verm\u00f6genswerte und finanzielle Verbindlichkeiten \u2013 Held For Trading dienen der Nutzung von kurzfristigen </span></div><div class=\"ps22122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktpreisschwankungen. Die zu Handelszwecken dienenden Wertpapiere und derivativen Finanzinstrumente werden zum Fair </span></div><div class=\"ps22123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value bilanziert. F\u00fcr die Ermittlung des Fair Values werden bei b\u00f6rsennotierten Produkten die B\u00f6rsenkurse herangezogen. Sind <span class=\"f ps24\"> </span></span></div><div class=\"ps22124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Kurse nicht vorhanden, werden bei origin\u00e4ren Finanzinstrumenten und Termingesch\u00e4ften auf Basis von </span></div><div class=\"ps22125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnungen und bei Optionen anhand von geeigneten Optionspreismodellen interne Preise ermittelt. Der </span></div><div class=\"ps22126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnung wird eine Zinskurve zugrunde gelegt, die sich aus Geldmarkt-, Future- und Swaps\u00e4tzen zusammensetzt. </span></div><div class=\"ps22127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn positive Marktwerte bestehen, werden die Gesch\u00e4fte den finanziellen Verm\u00f6genswerten \u2013 Held For Trading zugeordnet, <span class=\"f ps24\"> </span></span></div><div class=\"ps22128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei negativen Marktwerten erfolgt ein Ausweis unter den finanziellen Verbindlichkeiten \u2013 Held For Trading. Die Wert\u00e4nderung </span></div><div class=\"ps22129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Marktwerts wird erfolgswirksam im Handelsergebnis dargestellt. Derivate, die Sicherungszwecken gem\u00e4\u00df IAS 39 dienen, </span></div><div class=\"ps22130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter dem Bilanzposten Hedge Accounting ausgewiesen. Au\u00dferdem sind etwaige Lieferverbindlichkeiten aus </span></div><div class=\"ps22131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapier-Leerverk\u00e4ufen in den finanziellen Verbindlichkeiten \u2013 Held For Trading dargestellt.</span></div><div class=\"ps22132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalgarantierte Produkte (Garantiefonds und Zukunftsvorsorge) werden als verkaufte Put-Optionen auf den jeweils zu </span></div><div class=\"ps22133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">garantierenden Fonds dargestellt. Der Konzern hat im Rahmen der staatlich gef\u00f6rderten pr\u00e4mienbeg\u00fcnstigten </span></div><div class=\"ps22134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zukunftsvorsorge gem. \u00a7 108h Abs 1 Z 3 EStG Kapitalgarantieverpflichtungen abgegeben. Dabei garantiert das Kreditinstitut, </span></div><div class=\"ps22135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass im Fall einer Verrentung der f\u00fcr die Verrentung zur Verf\u00fcgung stehende Auszahlungsbetrag nicht geringer ist als die </span></div><div class=\"ps22136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Summe der vom Steuerpflichtigen eingezahlten Betr\u00e4ge zuz\u00fcglich der f\u00fcr diesen Steuerpflichtigen gutgeschriebenen Pr\u00e4mien </span></div><div class=\"ps22137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Sinn des \u00a7 108g EStG. </span></div><div class=\"ps22138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse werden im Handelsergebnis und </span></div><div class=\"ps22139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen ausgewiesen.</span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18729\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22140\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22141\">2.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22142\">2.318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22143\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21962\">440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22144\">646<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20568\">523<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20120\">453<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20784\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13368\">54<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1188\">258<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20543\">3.330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">2.087<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">2.827<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22146\">1.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22148\">7.230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22149\">5.945<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Innerhalb des Postens finanzielle Verm\u00f6genswerte \u2013 Held for Trading betrugen die als Sicherheit gestellten Wertpapiere, zu </span></div><div class=\"ps22151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deren Verkauf oder Verpf\u00e4ndung der Empf\u00e4nger berechtigt ist, \u20ac\u00a064 Millionen (Vorjahr: \u20ac\u00a0462 Millionen). Der Anstieg der </span></div><div class=\"ps22152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldverschreibungen resultierte vorwiegend aus Zuk\u00e4ufen von Staatsanleihen in der Konzernzentrale.</span></div><div class=\"ps22153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Derivative Finanzinstrumente<span id=\"i4cb8feb7cf49461fb82171010e4b9a12\"></span></span></div><div class=\"ps22154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit wickelt die RBI Transaktionen mit derivativen Finanzinstrumenten sowohl zu </span></div><div class=\"ps22155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handels- als auch zu Sicherungszwecken ab. Zu den in der RBI eingesetzten Derivaten z\u00e4hlen Swaps, standardisierte </span></div><div class=\"ps22156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Terminkontrakte, Termingesch\u00e4fte, Kreditderivate, Optionen und \u00e4hnliche Kontrakte. RBI setzt Derivate ein, um den </span></div><div class=\"ps22157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bed\u00fcrfnissen der Kund:innen im Rahmen von deren Risikomanagement Rechnung zu tragen, um Risiken zu steuern und </span></div><div class=\"ps22158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzusichern sowie um Ertr\u00e4ge im Eigenhandel zu generieren. Derivate werden zum Zeitpunkt des Vertragsabschlusses zum </span></div><div class=\"ps22159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert angesetzt und anschlie\u00dfend auch zu diesem bewertet. Der aus der Bewertung resultierende Gewinn </span></div><div class=\"ps22160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder Verlust wird im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen erfasst, es sei denn, das Derivat ist als </span></div><div class=\"ps22161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsinstrument im Rahmen des Hedge Accounting designiert und effektiv. Hier h\u00e4ngt der Zeitpunkt der Erfassung der </span></div><div class=\"ps22162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse von der Art der Sicherungsbeziehung ab. </span></div><div class=\"ps22163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung gegen Marktrisiken (ausgenommen Handelsaktiva/-passiva) abgeschlossen und gegen ein </span></div><div class=\"ps22164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inhomogenes Portfolio gestellt werden, erf\u00fcllen nicht die Bedingung f\u00fcr IAS 39 Hedge Accounting. Sie werden bilanziert, indem </span></div><div class=\"ps22165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dirty Prices unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 Held <span class=\"f ps24\"> </span></span></div><div class=\"ps22166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">For Trading ausgewiesen werden. Die Wert\u00e4nderung dieser Derivate auf Basis des Clean Prices ist im Handelsergebnis und </span></div><div class=\"ps22167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen dargestellt, die Zinsen werden im Zins\u00fcberschuss gezeigt.</span></div><div class=\"ps22168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditderivate, deren Wert von dem in der Zukunft erwarteten (Nicht-)Eintritt spezifizierter Kreditereignisse abh\u00e4ngt, sind mit </span></div><div class=\"ps22169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Marktwert unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 </span></div><div class=\"ps22170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Held For Trading ausgewiesen. Die Wert\u00e4nderungen werden im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen </span></div><div class=\"ps22171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps22190 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10962\">199.602<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4169\">3.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17778\">-2.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7791\">141.690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">2.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-2.195<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">4.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19212\">-142<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17793\">48.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-317<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17516\">1.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20215\">-41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">3.139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">18.142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18699\">175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">-85<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17961\">13.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18695\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9359\">5.006<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19541\">217.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4121\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17790\">-2.785<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22185\">215.803<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17396\">3.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22187\">-2.759<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22188\">1.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1172\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7247\">195.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18735\">3.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22192\">-2.824<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8084\">141.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20916\">2.170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.199<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22193\">3.966<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22195\">-121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22196\">47.415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5233\">1.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20257\">-30<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17187\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22198\">12.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10764\">-208<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">7.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">5.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">-130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15126\">208.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8920\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17496\">-3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12774\">206.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20169\">3.388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22200\">-3.004<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17393\">1.944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(21) Finanzielle Verbindlichkeiten - Held For Trading<span id=\"ifa141fd734e04692b3bc7a3f4ebda254\"></span></span></div><div class=\"ps22208 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21500\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17181\">3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20842\">2.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22204\">2.265<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">598<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22207\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22029\">992<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps12533\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21460\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18459\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20137\">9.304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Derivate kam es zu einer Reduktion, welche auf Bewertungseffekte und Wechselkursschwankungen, insbesondere </span></div><div class=\"ps14852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei Zins- und Fremdw\u00e4hrungsderivaten in der Konzernzentrale, zur\u00fcckzuf\u00fchren ist. Im Posten Verbriefte Verbindlichkeiten kam </span></div><div class=\"ps14853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es hingegen zu einem Anstieg in der Konzernzentrale, welcher auf die Erh\u00f6hung der Hybriden Vertr\u00e4ge zur\u00fcckzuf\u00fchren ist. </span></div><div class=\"ps885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betreffend der Bewertungsgrunds\u00e4tze wird auf den Punkt </span><span class=\"f charStyle-9eccfdcb ps22209\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading</span><span class=\"f charStyle-9eccfdcb ps22210\"> verwiesen</span><span class=\"f charStyle-9eccfdcb ps22211\">.</span></div><div class=\"ps22212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(22) Hedge Accounting und Fair-Value Anpassungen aus Portfolio-Fair-<span id=\"i0cffa250e0d743afb78e62fbbb6c551c\"></span></span></div><div class=\"ps22213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value-Hedges</span></div><div class=\"ps22214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS 9 r\u00e4umte in Bezug auf die Bilanzierung von Sicherungsbeziehungen das Wahlrecht ein, weiterhin die Vorschriften des IAS 39 </span></div><div class=\"ps22215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzuwenden, bis das IASB das bestehende Projekt zur Abl\u00f6sung der Portfolio Hedge Accounting - Regelungen in IAS 39 </span></div><div class=\"ps22216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen hat. Die RBI machte Gebrauch von diesem Wahlrecht und wendet daher weiterhin die Vorschriften zur </span></div><div class=\"ps22217 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzierung von Sicherungsbeziehungen gem\u00e4\u00df IAS 39 in der von der EU \u00fcbernommenen Version (\u201cEU-Carve-Out\u201d) an, jedoch </span></div><div class=\"ps22218 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung der \u00c4nderungen in den Anhangangaben nach IFRS 7. </span></div><div class=\"ps22219 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden einzelne Sicherungsinstrumente, im Wesentlichen Derivate, zum Zweck des Risikomanagements gehalten und erf\u00fcllen </span></div><div class=\"ps22220 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Gesch\u00e4fte spezifische Kriterien, werden sie von der RBI ins Hedge Accounting designiert. Dies kann im Rahmen der </span></div><div class=\"ps22221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung des beizulegenden Zeitwerts (Fair Value Hedge), von Zahlungsstr\u00f6men (Cash-Flow Hedge) oder von </span></div><div class=\"ps22222 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoinvestitionen in wirtschaftlich selbst\u00e4ndige Teileinheiten (Net Investment Hedge) geschehen. Zu Beginn der </span></div><div class=\"ps22223 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehung wird der Zusammenhang zwischen Grund- und Sicherungsgesch\u00e4ft einschlie\u00dflich der zugrunde liegenden </span></div><div class=\"ps22224 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Ziele dokumentiert. Weiters wird sowohl bei Eingehen der Sicherungsbeziehung als auch in deren Verlauf </span></div><div class=\"ps22225 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig festgestellt, ob das in der Sicherungsbeziehung designierte Sicherungsinstrument hinsichtlich der Kompensation </span></div><div class=\"ps22226 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der \u00c4nderungen des beizulegenden Zeitwerts bzw. der Cash-Flows des Grundgesch\u00e4fts in hohem Ma\u00df effektiv ist.</span></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Mikro-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19979\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20866\">371<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20348\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">371<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Mikro-Cash-Flow-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Positive Fair Values derivativer Finanzinstrumente aus Portfolio Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18448\">660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21980\">633<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">95<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20551\">535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21974\">538<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18505\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22227\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22228 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20731\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20714\">-234<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21604\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18452\">-234<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22233 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Mikro-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22229\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19279\">417<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22230\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16489\">417<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Mikro-Cash-Flow-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Negative Fair Values derivativer Finanzinstrumente aus Portfolio Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22229\">632<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21458\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">183<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22143\">560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22231\">707<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22232\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21601\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps10799 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22234\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-359<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22235\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20839\">-359<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Hedge Accounting - Zusatzangaben<span id=\"id3825f2f8297444e8a81c8de9b0016df\"></span></span></div><div class=\"ps22237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig vom abzusichernden Risiko werden Absicherungsbeziehungen entweder als Fair Value Hedge oder als Cash-Flow </span></div><div class=\"ps22238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge dargestellt, Ziel ist dabei die Reduktion von Zinsrisiko und Volatilit\u00e4t in der Erfolgsrechnung. Beide Arten k\u00f6nnen auf </span></div><div class=\"ps22239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mikroebene sowie in Portfolios modelliert werden. Die Absicherung des Nettoinvestitionsrisikos wird insbesondere auf </span></div><div class=\"ps22240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kursschwankungen des rum\u00e4nischen Leus, der tschechischen Krone, des ungarischen Forints und des serbischen Dinars </span></div><div class=\"ps22241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewandt. </span></div><div class=\"ps22242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen von Fair Value Hedges und Cash-Flow Hedges werden unterschiedliche Finanzinstrumente als gesicherte </span></div><div class=\"ps22243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundgesch\u00e4fte in Sicherungsbeziehungen designiert. Den gr\u00f6\u00dften Anteil haben in diesem Zusammenhang Kredite und </span></div><div class=\"ps22244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen auf der Aktivseite sowie Einlagen auf der Passivseite. Schuldverschreibungen und verbriefte Verbindlichkeiten sind </span></div><div class=\"ps22245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Positionen, die in Hedge-Accounting-Beziehungen einflie\u00dfen. Als Sicherungsinstrumente dienen haupts\u00e4chlich Zinssatz- </span></div><div class=\"ps22246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Wechselkursvertr\u00e4ge.</span></div><div class=\"ps22250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiterf\u00fchrende Erl\u00e4uterungen zur Risikomanagementstrategie der RBI finden sich im Risikobericht </span><span class=\"f charStyle-9eccfdcb ps22247\">unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22248\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps22249\">. </span></div><div class=\"ps22252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auswirkungen von Sicherungsgesch\u00e4ften auf die Gesamtergebnisrechnung sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22251\">(5) Handelsergebnis, Ergebnis </span></div><div class=\"ps22254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen und Ergebnis aus Hedge Accounting</span><span class=\"f charStyle-9eccfdcb ps22253\">, jene auf die Eigenkapitalver\u00e4nderung sind in der Entwicklung </span></div><div class=\"ps22257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kumulierten sonstigen Ergebnis des Konzern-Eigenkapitals unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22255\">(29) Eigenkapital und nicht beherrschende Anteile</span><span class=\"f charStyle-9eccfdcb ps22256\"> </span></div><div class=\"ps22258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enthalten. </span></div><div class=\"ps22259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Absicherung einer Nettoinvestition in eine wirtschaftlich selbst\u00e4ndige Teileinheit (Net <span id=\"id6ed73c5b3ef4b6f8ae36ea215998283\"></span></span></div><div class=\"ps22260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Investment Hedge)</span></div><div class=\"ps22261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI werden Kurssicherungsgesch\u00e4fte f\u00fcr Nettoinvestitionen in wirtschaftlich selbst\u00e4ndige Teileinheiten zur Reduktion der </span></div><div class=\"ps22262 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus der W\u00e4hrungsumrechnung resultierenden Differenzen im Eigenkapital get\u00e4tigt. Als Sicherungsinstrumente dienen in erster </span></div><div class=\"ps22263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Linie Devisentermingesch\u00e4fte (FX Forwards). Die aus ihnen entstehenden Gewinne bzw. Verluste aus der W\u00e4hrungsumrechnung </span></div><div class=\"ps22264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im sonstigen Ergebnis verrechnet und in der Eigenkapital\u00fcberleitung gesondert dargestellt, soweit die </span></div><div class=\"ps22265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehung effektiv ist. Ein etwaiger ineffektiver Teil der Sicherungsbeziehung wird im Handelsergebnis erfasst. </span></div><div class=\"ps22266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse, welche sich bei Devisentermingesch\u00e4ften aus dem unterschiedlichen Zinsdifferential der beiden </span></div><div class=\"ps22267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungen ergeben, werden im Handelsergebnis ausgewiesen.</span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Absicherungsinstrumente<span id=\"i619f66a870534d668984a1a7a37e7816\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgliederung nach Art des Hedge Accounting auf Ebene der Nominalwerte, sowohl gesamt als auch nach dem Zeitpunkt der </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Beendigung sowie auf Ebene der Buchwerte.</span></div><div class=\"ps22331 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17608\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps22270\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps7424 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-1dbd4d87 ps8523\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss811\"><div><div class=\"ps516 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps6739\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22273 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps22274\">1 Jahr bis 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22275 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps1935\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps1476\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps13556\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22276 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17773\">82.271<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4181\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22278 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8325\">7.576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1526\">45.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22279 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1548\">27.281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22280 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12813\">1.095<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22282 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22281\">923<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22284 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22283\">4.698<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18116\">254<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22286 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps19680\">1.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17953 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps134\">2.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22287 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22288 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11298\">122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22289 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19608\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22290 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17706\">77.573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps11532\">1.467<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22293 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22292\">6.403<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17959 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20501\">43.168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22294 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15149\">26.535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22295 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps10806\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22296 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19400\">853<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2066 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22297 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps19645\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22299 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22298\">450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22300 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8921\">720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17965 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19498\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22301 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21047\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22302\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22304 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12630\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22305 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9584\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22307 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21406\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8324\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22308 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22309 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps18584\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22310 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12387\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22311 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22313 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22314 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22315 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22316 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22317 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22318 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17457\">1.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22319 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17472\">450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10642\">675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21832 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22321 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22322 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22323 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12611\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22325 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22324\">83.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22326 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4181\">2.171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22327 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps1514\">8.296<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21836 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10658\">45.817<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9812 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps231\">27.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22328 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps10741\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22330 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22329\">942<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22340 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17608\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps22270\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7424 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-1dbd4d87 ps8523\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss811\"><div><div class=\"ps516 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps6739\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22273 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps22274\">1 Jahr bis 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22275 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps1935\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps1476\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps13556\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22276 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17596\">71.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7791\">1.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22278 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21652\">8.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps7133\">38.996<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22279 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10657\">22.692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22280 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12887\">1.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22282 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps9441\">1.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22284 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22332\">4.890<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22333\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22286 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10478\">892<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17953 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1667\">2.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22287 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17985\">879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22288 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13425\">94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22289 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13098\">177<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22290 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps7987\">66.718<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22334\">1.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22293 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps5089\">7.302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17959 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22335\">36.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22294 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1562\">21.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22295 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps260\">910<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22296 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12749\">1.124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2066 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22297 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18060\">2.135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22299 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18683\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22300 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps9394\">878<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17965 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17896\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22301 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10124\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22336\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22304 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps8037\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22305 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9359\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22307 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17388\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17253\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22308 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22337\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22309 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22310 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7363\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22311 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22313 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22314 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22315 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22316 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22317 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22318 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22338\">2.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22319 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17799\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17891\">830<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21832 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22321 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22322 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7363\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22323 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22325 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12629\">73.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22326 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22339\">2.901<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22327 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12627\">9.072<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21836 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6454\">39.043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9812 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps483\">22.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22328 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps227\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22330 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps10744\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Fair Value Hedges<span id=\"i8d082e578c754826991b8d73c00ec00d\"></span></span></div><div class=\"ps22343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IAS 39 sieht die Anwendung des Hedge Accounting f\u00fcr Derivate vor, die der Absicherung des beizulegenden Zeitwerts </span></div><div class=\"ps22344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bilanzierter Verm\u00f6genswerte oder Verbindlichkeiten dienen. Einem solchen Marktwertrisiko unterliegt insbesondere das </span></div><div class=\"ps3588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditgesch\u00e4ft, sofern es sich um festverzinsliche Forderungen handelt. Zur Absicherung des Zins\u00e4nderungsrisikos bei einzelnen </span></div><div class=\"ps3589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten oder Refinanzierungen werden Interest Rate Swaps abgeschlossen, die die Voraussetzungen f\u00fcr Hedge Accounting </span></div><div class=\"ps3590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllen. Dies bedeutet, dass die Sicherungsgesch\u00e4fte dokumentiert, fortlaufend beurteilt und als hoch wirksam eingestuft </span></div><div class=\"ps3591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Somit kann \u00fcber die gesamte Laufzeit der Sicherungsbeziehungen davon ausgegangen werden, dass \u00c4nderungen des </span></div><div class=\"ps3592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwerts eines gesicherten Grundgesch\u00e4fts nahezu vollst\u00e4ndig durch eine \u00c4nderung des beizulegenden </span></div><div class=\"ps3593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitwerts des Sicherungsinstruments kompensiert werden und die tats\u00e4chlichen Ergebnisse in einer Bandbreite von 80 bis 125 </span></div><div class=\"ps3594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent liegen.</span></div><div class=\"ps22345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung des Marktwerts von einzelnen Bilanzposten (ausgenommen Handelsderivate) abgeschlossen </span></div><div class=\"ps22346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, werden mit dem Marktwert (Dirty Price) unter dem Posten Hedge Accounting (aktivseitig: positive Marktwerte, </span></div><div class=\"ps22347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">passivseitig: negative Marktwerte) bilanziert. Die Buchwert\u00e4nderungen des gesicherten Grundgesch\u00e4fts (Aktiva oder Passiva) </span></div><div class=\"ps22348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden direkt den betroffenen Bilanzposten zugerechnet und im Anhang gesondert ausgewiesen. </span></div><div class=\"ps22349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sowohl das Ergebnis aus der Ver\u00e4nderung der Buchwerte der abzusichernden Positionen als auch das Ergebnis aus der </span></div><div class=\"ps22350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderung der Clean Prices der Derivate werden im Ergebnis aus Hedge Accounting gebucht. </span></div><div class=\"ps22351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Steuerung von Zins\u00e4nderungsrisiken wird die Absicherung von Zinsrisiken auch auf Portfolioebene abgebildet. </span></div><div class=\"ps22352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abgesichert werden einzelne Gesch\u00e4fte oder Gruppen von Gesch\u00e4ften mit \u00e4hnlicher Risikostruktur, gegliedert nach </span></div><div class=\"ps22353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeitb\u00e4ndern entsprechend den erwarteten R\u00fcckzahlungs- und Zinsanpassungsterminen in einem Portfolio. Bei dieser </span></div><div class=\"ps22354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bilanziellen Abbildung von Sicherungszusammenh\u00e4ngen werden die Wert\u00e4nderungen der Grundgesch\u00e4fte im Ergebnis aus </span></div><div class=\"ps22355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge Accounting erfasst. Auf Basis der Regelungen des EU-Carve-Outs wird der abgesicherte Betrag der Grundgesch\u00e4fte im </span></div><div class=\"ps22356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschluss bei einer Konzerneinheit inklusive Sichteinlagen bestimmt.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Details zu den zugrunde liegenden Gesch\u00e4ften bei Fair-Value-Hedge-Beziehungen:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1250\"><div><div class=\"ps5427 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss131\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps16098\">Buchwert der zugrunde liegenden <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22360 ss131\"><div><div class=\"ps5430 ss127\"><span class=\"f charStyle-1dbd4d87 ps22358\">Kumulierte Betr\u00e4ge aus Fair-Value-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss127\"><span class=\"f charStyle-1dbd4d87 ps22359\">Anpassungen der zugrunde liegenden </span></div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss1251\"><div><div class=\"ps5430 ss795\"><span class=\"f charStyle-3e64e966 ps3274\">Fair-Value-\u00c4nderungen </span></div><div class=\"ps5426 ss795\"><span class=\"f charStyle-3e64e966 ps10732\">der zugrunde liegenden </span></div><div class=\"ps5427 ss795\"><span class=\"f charStyle-3e64e966 ps10095\">Gesch\u00e4fte<span class=\"f ps24\"> </span></span><span class=\"f charStyle-cdbbedb5 ps22361\"><span class=\"f ps24\"> </span><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5382 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps22362 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps22363 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22364 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22365 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22366 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10683\">37.956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22367 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15182\">39.547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22368 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17388\">-757<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22370 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22369\">-619<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22372 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22371\">-374<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22374 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22373\">19.453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22375 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22376 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20267\">-381<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22377 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22379 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22378\">-151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22380 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17437\">18.504<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22381 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22382 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17352\">-375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22383 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22385 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22384\">-156<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22386 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17760\">21.882<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22387 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22388 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12634\">-432<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22390 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22389\">-52<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22391 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22393 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22392\">17.665<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22394 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22395 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18414\">-187<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22397 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22396\">-15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22398 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22399 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22400 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22402 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22403 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19445 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22405 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22407 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22406\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22408 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19451 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22409 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22410 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22411 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22412 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22413 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22414 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22415 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22416 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10683\">37.956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19465 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15182\">39.547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22417 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17388\">-757<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22369\">-619<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22418 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22371\">-374<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Fair-Value-\u00c4nderungen der zugrunde liegenden Gesch\u00e4fte, die in der Berichtsperiode f\u00fcr die Berechnung der Ineffektivit\u00e4t verwendet wurden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22425 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1250\"><div><div class=\"ps5427 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss131\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps16098\">Buchwert der zugrunde liegenden <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22360 ss131\"><div><div class=\"ps5430 ss127\"><span class=\"f charStyle-1dbd4d87 ps22358\">Kumulierte Betr\u00e4ge aus Fair-Value-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss127\"><span class=\"f charStyle-1dbd4d87 ps22359\">Anpassungen der zugrunde liegenden </span></div><div class=\"ps5427 ss127\"><span class=\"f charStyle-1dbd4d87 ps20356\">Gesch\u00e4fte</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss1251\"><div><div class=\"ps5430 ss795\"><span class=\"f charStyle-3e64e966 ps3274\">Fair-Value-\u00c4nderungen </span></div><div class=\"ps5426 ss795\"><span class=\"f charStyle-3e64e966 ps10732\">der zugrunde liegenden </span></div><div class=\"ps5427 ss795\"><span class=\"f charStyle-3e64e966 ps10095\">Gesch\u00e4fte<span class=\"f ps24\"> </span></span><span class=\"f charStyle-cdbbedb5 ps22361\"><span class=\"f ps24\"> </span><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5382 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22362 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22363 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22364 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22365 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22366 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4161\">31.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22367 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17793\">33.168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22368 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22370 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-670<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22372 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps21904\">-170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22374 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17901\">16.735<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22375 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22376 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18434\">-205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22377 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22379 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22420\">167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22380 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22373\">14.593<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22381 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22382 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17352\">-247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22383 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22385 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22421\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22386 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17797\">17.447<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22387 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22388 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20035\">-459<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22390 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22422\">-138<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22391 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22393 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4167\">15.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22394 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22395 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22195\">-211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22397 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps21495\">-304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22398 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22399 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22400 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22402 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22403 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19445 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20253\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22405 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22407 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22423\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22408 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19451 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22409 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22410 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22411 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22412 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22413 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22414 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22415 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22424\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1252\"><div><div class=\"ps31 ss1249\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22416 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4161\">31.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19465 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17577\">33.217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22417 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-670<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22418 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps21904\">-170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Fair-Value-\u00c4nderungen der zugrunde liegenden Gesch\u00e4fte, die in der Berichtsperiode f\u00fcr die Berechnung der Ineffektivit\u00e4t verwendet wurden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Cash-Flow Hedges<span class=\"f ps24\"> </span><span id=\"i9b28a9224a434847a2107997da2b4ec9\"></span></span></div><div class=\"ps22427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IAS 39 sieht die Anwendung des Cash-Flow-Hedge-Accounting f\u00fcr Derivate vor, die der Absicherung gegen das Risiko einer </span></div><div class=\"ps22428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderung k\u00fcnftiger Zahlungsstr\u00f6me dienen. Einem solchen Cash-Flow-Risiko unterliegen insbesondere variabel verzinsliche </span></div><div class=\"ps22429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Verbindlichkeiten sowie erwartete Transaktionen (z. B. erwartete Geldaufnahmen oder -veranlagungen). Interest </span></div><div class=\"ps22430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rate Swaps, die zur Absicherung des Risikos aus schwankenden Cash-Flows bestimmter variabler Zinspositionen abgeschlossen <span class=\"f ps24\"> </span></span></div><div class=\"ps22431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, werden wie folgt bilanziert: Das Sicherungsinstrument wird mit dem Marktwert angesetzt, die \u00c4nderungen des Clean </span></div><div class=\"ps22432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prices werden im sonstigen Ergebnis gebucht. Der ineffektive Teil wird hingegen ergebniswirksam als Ergebnis aus Hedge </span></div><div class=\"ps22433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Accounting ausgewiesen.</span></div><div class=\"ps22434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Details zu Wert\u00e4nderungen bei Absicherungsinstrumenten in Cash-Flow-Hedge-Beziehungen unter Ber\u00fccksichtigung des </span></div><div class=\"ps22435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlichen Ausweises des effektiven Teils im sonstigen Ergebnis und des ineffektiven Teils in der Erfolgsrechnung:</span></div><div class=\"ps22455 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:145.5pt\"></td><td style=\"padding:0;width:145.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps22436\">Wert\u00e4nderungen bei Absicherungsinstrumenten <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps20134\">bilanziert im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps12639\">Erfolgswirksamer, ineffektiver Teil aus <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps22437\">Absicherungsinstrumenten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13383 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22438\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16884 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22441 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22440\">177<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22443 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22444 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22440\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22445 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22447 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22448 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22449 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22450 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22451 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22452 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22453 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22438\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22454 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:145.5pt\"></td><td style=\"padding:0;width:145.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps22436\">Wert\u00e4nderungen bei Absicherungsinstrumenten <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps20134\">bilanziert im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1253\"><div><div class=\"ps12528 ss149\"><span class=\"f charStyle-1dbd4d87 ps12639\">Erfolgswirksamer, ineffektiver Teil aus <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss149\"><span class=\"f charStyle-1dbd4d87 ps22437\">Absicherungsinstrumenten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzsicherungsgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13383 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22458\">-103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16884 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22441 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22459\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22443 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22460\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22444 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22461\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22445 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22460\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">W\u00e4hrungs-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22447 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22448 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22446\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22449 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22460\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22450 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22451 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22462\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22452 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-375ad3a6 ps22442\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22453 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22458\">-103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22454 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps22439\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22464 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(23) Erl\u00e4uterungen Fair Value von Finanzinstrumenten<span id=\"ib7b9be34db8c45a897e0057405fdf52b\"></span></span></div><div class=\"ps22465 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gem\u00e4\u00df IFRS 13 verwendet die RBI die nachfolgende Fair-Value-Hierarchie zur Feststellung und Offenlegung des Fair Values f\u00fcr </span></span></div><div class=\"ps22466 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente. Die Zuordnung bestimmter Finanzinstrumente zu den Level-Kategorien erfordert eine regelm\u00e4\u00dfige </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beurteilung, insbesondere wenn die Bewertung sowohl auf beobachtbaren als auch auf nicht auf dem Markt beobachtbaren </span></span></div><div class=\"ps22468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Parametern beruht. Auch unter Ber\u00fccksichtigung von \u00c4nderungen der Marktliquidit\u00e4t und damit der Preistransparenz kann sich </span></span></div><div class=\"ps22469 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">die Klassifizierung eines Instruments im Zeitablauf \u00e4ndern. </span></span></div><div class=\"ps22470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Notierte Preise in einem aktiven Markt (Level I)</span><span id=\"i5c4658f52a7c483d88b4ffc74f6e8127\"></span></span></div><div class=\"ps22471 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente, f\u00fcr die die Fair-Value-Bewertung anhand von quotierten Marktpreisen erfolgt, werden dem Level I der Fair-</span></span></div><div class=\"ps22472 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Value-Hierarchie zugeordnet. Dies gilt insbesondere f\u00fcr an B\u00f6rsen gehandelte Eigenkapitalinstrumente, im Interbankenmarkt </span></span></div><div class=\"ps22473 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gehandelte Fremdkapitalinstrumente und b\u00f6rsengehandelte Derivate. Die Bewertung beruht im Wesentlichen auf externen </span></span></div><div class=\"ps22474 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Datenquellen (B\u00f6rsenpreise bzw. Broker-Quotierungen in liquiden Marktsegmenten). Bei einem aktiven Markt handelt es sich um </span></span></div><div class=\"ps22475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einen Markt, in dem Transaktionen von Verm\u00f6genswerten und Schulden mit ausreichender H\u00e4ufigkeit und ausreichendem </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22476 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Volumen stattfinden, sodass Preisinformationen laufend zur Verf\u00fcgung stehen. Indikatoren f\u00fcr aktive M\u00e4rkte k\u00f6nnen die </span></span></div><div class=\"ps22477 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anzahl, die H\u00e4ufigkeit der Aktualisierung oder die Qualit\u00e4t der Quotierungen (z. B. Banken oder B\u00f6rsen) sein. Weiters sind auch </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22478 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">enge Bid-/Ask-Spannen sowie Quotierungen der Marktteilnehmer:innen innerhalb eines bestimmten Korridors Anzeichen f\u00fcr </span></span></div><div class=\"ps22479 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einen aktiven liquiden Markt. Finanzinstrumente, f\u00fcr die die Fair-Value-Bewertung anhand von quotierten Marktpreisen erfolgt, </span></span></div><div class=\"ps22480 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sind haupts\u00e4chlich b\u00f6rsennotierte Wertpapiere und ein geringer Anteil an Derivaten sowie liquide Anleihen, die auf OTC-</span></span></div><div class=\"ps22481 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">M\u00e4rkten (Over The Counter) gehandelt werden. </span></span></div><div class=\"ps22482 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels beobachtbarer Parameter (Level II)</span><span id=\"ifa22b739be9b4106a838fac44a8af16f\"></span></span></div><div class=\"ps22483 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den F\u00e4llen, in denen keine B\u00f6rsennotierungen auf einem aktiven Markt vorliegen, wird das Finanzinstrument dann als Level II </span></span></div><div class=\"ps22484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">klassifiziert, wenn der Fair Value durch anerkannte Bewertungsmodelle mithilfe von beobachtbaren Preisen oder Parametern </span></span></div><div class=\"ps22485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(insbesondere von Barwertmethoden oder Optionspreismodellen) ermittelt werden kann. Diese beobachtbaren Marktdaten </span></span></div><div class=\"ps22486 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sind im Wesentlichen Zinskurven, Credit Spreads und Volatilit\u00e4ten. RBI verwendet grunds\u00e4tzlich Bewertungsmodelle, die einer </span></span></div><div class=\"ps22487 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">internen Pr\u00fcfung durch das Marktrisiko-Komitee unterliegen, um angemessene Bewertungsparameter sicherzustellen. Das </span></span></div><div class=\"ps22488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels beobachtbarer Parameter betrifft die Mehrheit der OTC-Derivate und der nicht b\u00f6rsennotierten </span></span></div><div class=\"ps15562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Fremdkapitalinstrumente. </span></span></div><div class=\"ps22489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels nicht beobachtbarer Parameter (Level III)</span><span id=\"i40f0d2ff758a46d3a4fd2841f7dbd558\"></span></span></div><div class=\"ps22490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kann die Fair-Value-Bewertung weder anhand von ausreichend regelm\u00e4\u00dfig gestellten Marktpreisen (Level I) noch anhand von </span></span></div><div class=\"ps22491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsmodellen, die vollst\u00e4ndig auf beobachtbaren Marktpreisen beruhen (Level II), erfolgen, werden einzelne nicht auf </span></span></div><div class=\"ps22492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dem Markt beobachtbare Input-Parameter anhand von angemessenen Annahmen gesch\u00e4tzt. Haben nicht auf dem Markt </span></span></div><div class=\"ps22493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">beobachtbare Parameter einen signifikanten Einfluss auf die Bewertung des zugrunde liegenden Finanzinstruments, wird es </span></span></div><div class=\"ps22494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dem Level III der Fair-Value-Hierarchie zugeordnet. Diese nicht regelm\u00e4\u00dfig beobachtbaren Bewertungsparameter sind unter </span></span></div><div class=\"ps22495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anderem Credit Spreads, die aus internen Sch\u00e4tzungen abgeleitet werden. </span></span></div><div class=\"ps22496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Diese Eingangsparameter k\u00f6nnen Daten enthalten, die in Form von N\u00e4herungswerten unter anderem aus historischen Daten </span></span></div><div class=\"ps22497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ermittelt werden (Bewertungshierarchie Level III). Die Anwendung dieser Modelle erfordert Annahmen und Einsch\u00e4tzungen des </span></span></div><div class=\"ps22498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Managements, deren Umfang von der Preistransparenz in Bezug auf das Finanzinstrument und dessen Markt sowie von der </span></span></div><div class=\"ps22499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplexit\u00e4t des Instruments abh\u00e4ngt. </span></span></div><div class=\"ps22500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Finanzinstrumente, die zu fortgef\u00fchrten Anschaffungskosten bewertet werden (dies umfasst Forderungen aus dem </span></span></div><div class=\"ps22501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditgesch\u00e4ft, Einlagen, sonstige kurzfristige Geldaufnahmen und langfristige Verbindlichkeiten), gibt der Konzern den </span></span></div><div class=\"ps22502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">beizulegenden Zeitwert an. Grunds\u00e4tzlich besteht bei diesen Instrumenten eine geringe oder keine Handelsaktivit\u00e4t, weshalb </span></span></div><div class=\"ps22503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">bei der Bestimmung des beizulegenden Zeitwerts signifikante Einsch\u00e4tzungen durch das Management erforderlich sind.</span></span></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Fair Value von Finanzinstrumenten, die zum Fair Value bilanziert werden</span><span id=\"if7c353b146774ff2a0c6006256569bc9\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Das Kreditportfolio wird in die zentrale Berechnung des beizulegenden Zeitwerts einbezogen. Die Berechnung des Fair Values </span></span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfolgt monatlich und basiert auf der Discounted-Cash-Flow-Methode. Die erwarteten Zahlungsstr\u00f6me werden mit einem </span></span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angemessenen Abzinsungssatz (d. h. risikofreier Zinssatz plus Zuschlag) abgezinst. Die Methodik zur Berechnung des </span></span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Abzinsungssatzes unterscheidet sich je nach Segment (d. h. Retail und Non-Retail). </span></span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dar\u00fcber hinaus wird auch der beizulegende Zeitwert der eingebetteten Optionen f\u00fcr das Kreditportfolio berechnet, und die </span></span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angewandte Methodik basiert auf dem Kundensegment (d. h. Retail und Non-Retail). Die Bewertung der eingebetteten </span></span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Optionen im Retail-Bereich basiert auf der Verhaltensmodellierung (z. B. lineare Regression/gleitender Zw\u00f6lf-Monats-</span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Durchschnitt der Vorauszahlungsraten). Die Bewertung eingebetteter Optionen in Krediten im Non-Retail-Bereich basiert auf </span></span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Annahme eines vollst\u00e4ndigen rationalen Verhaltens der Kund:innen. Die in Non-Retail-Krediten enthaltenen eingebetteten </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Optionen wie Vorauszahlung, Auszahlung oder Auff\u00fcllung werden mit Swaptions repliziert und mit dem Trinomial Tree Hull-</span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">White-Strukturmodell bewertet. F\u00fcr die Bewertung der Zinsoptionen (Caps und Floors) wird grunds\u00e4tzlich das Modell von Black </span></span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angewendet, dem lognormal verteilte Renditen zugrunde liegen. Da wir uns in einem volatilen Zinsumfeld befinden, wird das </span></span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">shifted lognormale Black-Modell f\u00fcr die Bewertung der Zinsoptionen angewendet, dem ein Displaced-Diffusion-Modell </span></span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zugrunde liegt (lognormale Verteilung mit einer Zinsverschiebung). </span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Anleihen werden in erster Linie handelbare Marktpreise herangezogen. Sind keine Quotierungen vorhanden, werden die </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wertpapiere mittels Discounted-Cash-Flow-Modell bewertet. Hier flie\u00dfen als Bewertungsparameter die Zinskurve sowie ein </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ad\u00e4quater Credit Spread ein. Die Ermittlung des Credit Spreads erfolgt \u00fcber auf dem Markt vorhandene, vergleichbare </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente. F\u00fcr einen geringen Teil des Portfolios wurden Credit Default Spreads f\u00fcr die Bewertung verwendet. Weiters </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden auch externe Bewertungen von Dritten ber\u00fccksichtigt, die in allen F\u00e4llen indikativen Charakter aufweisen. Die Level-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Einteilung der Posten wird am Ende der Berichtsperiode durchgef\u00fchrt.</span></span></div><div class=\"ps22508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der RBI kommen f\u00fcr die Bewertung von OTC-Derivaten markt\u00fcbliche, bekannte Bewertungsmethoden zur Anwendung. </span></span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beispielsweise werden Interest Rate Swaps, Cross Currency Swaps oder Forward Rate Agreements \u00fcber das f\u00fcr diese Produkte </span></span></div><div class=\"ps22510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">markt\u00fcbliche Discounted-Cash-Flow-Modell bewertet. OTC-Optionen, z. B. Foreign Exchange Options oder Caps und Floors, </span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">liegen Bewertungsmodelle zugrunde, die dem Marktstandard entsprechen. F\u00fcr die angef\u00fchrten Produktbeispiele w\u00e4ren dies </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das Garman-Kohlhagen-Modell sowie Black-Scholes 1972 und Black 1976. F\u00fcr komplexe Optionen erfolgt die Bewertung mithilfe </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">von Monte-Carlo-Simulationen. </span></span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zur Ermittlung des Fair Values ist weiters eine Anpassung der Kreditbewertungen f\u00fcr das Kontrahentenausfallrisiko (Credit </span></span></div><div class=\"ps22515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Value Adjustment, CVA) und das eigene Kreditrisiko (Debit Value Adjustment, DVA) notwendig, um das mit OTC-</span></span></div><div class=\"ps22516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Derivattransaktionen verbundene Kreditrisiko der Gegenparteien (Kontrahentenausfallrisiko) insbesondere f\u00fcr jene </span></span></div><div class=\"ps22517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Vertragspartner zu ber\u00fccksichtigen, mit denen nicht bereits eine Absicherung \u00fcber Credit Support Annex erfolgt ist. Der </span></span></div><div class=\"ps22518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ermittelte Betrag stellt jeweils den gesch\u00e4tzten Marktwert der Sicherungsma\u00dfnahmen dar, die zur Absicherung gegen das </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisiko der Gegenparteien aus den OTC-Derivatportfolios des Konzerns erforderlich sind. </span></span></div><div class=\"ps22520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die CVA-Bewertungsanpassung besteht einerseits aus der Ermittlung des in der Zukunft zu erwartenden positiven </span></span></div><div class=\"ps22521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikobetrags (Expected Positive Exposure) und andererseits aus der Ausfallwahrscheinlichkeit des Kontrahenten. Um den zu </span></span></div><div class=\"ps22522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwartenden positiven Risikobetrag zu ermitteln, wird unter Ber\u00fccksichtigung aller verf\u00fcgbaren Risikofaktoren (z. B. W\u00e4hrungs- </span></span></div><div class=\"ps22523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und Zinskurven) eine gro\u00dfe Anzahl von Szenarien f\u00fcr zuk\u00fcnftige Zeitpunkte simuliert. Die OTC-Derivate werden unter </span></span></div><div class=\"ps22524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ber\u00fccksichtigung dieser Szenarien an den jeweiligen zuk\u00fcnftigen Zeitpunkten zu Marktwerten bewertet und auf </span></span></div><div class=\"ps22525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kontrahentenebene aggregiert, um abschlie\u00dfend f\u00fcr alle Zeitpunkte den positiven Risikobetrag zu bestimmen. Kontrahenten </span></span></div><div class=\"ps22526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit CSA-Vertr\u00e4gen (Credit Support Annex, CSA) werden in der Berechnung ber\u00fccksichtigt. Bei diesen errechnen sich die </span></span></div><div class=\"ps22527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Risikobetr\u00e4ge nicht direkt aus den simulierten Marktwerten, sondern aus einer zuk\u00fcnftig erwarteten \u00c4nderung der </span></span></div><div class=\"ps22528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Marktwerte \u00fcber einer Margin Period of Risk von zehn Tagen. Zur Ermittlung der Ausfallwahrscheinlichkeit leitet der Konzern, </span></span></div><div class=\"ps22529 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sofern direkte CDS-Quotierungen (Credit Default Swap, CDS) zur Verf\u00fcgung stehen, f\u00fcr den jeweiligen Kontrahenten die </span></span></div><div class=\"ps22530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">marktbasierte Ausfallwahrscheinlichkeit und implizit die Verlustquote (Loss Given Default, LGD) ab. Die </span></span></div><div class=\"ps22531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeit von nicht aktiv auf dem Markt gehandelten Kontrahenten wird durch Zuordnung des internen Ratings </span></span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">eines Kontrahenten an eine sektor- und ratingspezifische CDS-Kurve bestimmt. </span></span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die DVA-Bewertungsanpassung wird durch den erwarteten negativen Risikobetrag (Expected Negative Exposure) und durch die </span></span></div><div class=\"ps5128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditqualit\u00e4t der RBI bestimmt und stellt die Wertanpassung in Bezug auf die eigene Ausfallwahrscheinlichkeit dar. Die </span></span></div><div class=\"ps5129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Berechnung erfolgt von der Methodik her analog zum CVA. F\u00fcr die Bewertung von OTC-Derivaten wurde kein Funding Value </span></span></div><div class=\"ps22532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment (FVA) ber\u00fccksichtigt. Die RBI beobachtet die Entwicklungen auf dem Markt und wird gegebenenfalls eine Methode </span></span></div><div class=\"ps22533 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">f\u00fcr die Ermittlung des FVA entwickeln.</span></span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die in der Bilanz zum Fair Value ausgewiesenen Finanzinstrumente werden in den folgenden Tabellen nach Bilanzposten </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gegliedert dargestellt. </span></span></div><div class=\"ps4827 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps17662 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22535\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22536\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps7134\">3.685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6452\">3.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19576\">2.289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11505 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps10656\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22538\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9379\">3.376<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16646 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17678 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10605\">3.402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12572\">502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12621\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16651 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps415\">449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22539\">3.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17771\">147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16658 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22540\">1.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17690 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22541\">239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22334\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22543 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22542\">357<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22544 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19931 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps431\">979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16664 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps7448\">327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22546 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22545\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22547 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17774\">733<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12765 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17698 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17699 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17700 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17701 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15110\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17703 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6030\">356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17686\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22541\">326<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15648\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22548\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17774\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12795 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12637\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17717 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17259\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17718 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17719 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12629\">286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17720 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17721 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22549 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16900\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13533 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22537\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17226 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22550 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1623\">286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17229 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18584\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22551 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22552 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps6047\">3.350<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13539 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12472\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17236 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22553\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22554 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps7125\">2.645<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11530 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps6729\">693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11531 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17761\">272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22555 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18491\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13545 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22557 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17737\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22558 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22559 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12601\">181<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22560 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7175\">3.317<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13551 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21865\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22561 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22292\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22562 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10879\">2.615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22563 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22542\">693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22564 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7986\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22565 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13557 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps355\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22566 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22567 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22568 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps9443\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22569 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22576 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps17662 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22535\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22536\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps10658\">1.309<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1593\">9.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12608\">991<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11505 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22570\">8.313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps20501\">2.782<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16646 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17678 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">3.031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8547\">1.305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17686\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16651 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16894\">988<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps340\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16658 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17690 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8538\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps102 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22543 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22544 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19931 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16664 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22546 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22547 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22571 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22572 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps10112\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19938 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22573 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22574 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps216\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22575 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12548\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps5662\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8523\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps13131\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12795 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17717 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps16896\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17718 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17719 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17720 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1681\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17721 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewegungen von zum Fair Value bewerteten Finanzinstrumenten zwischen Level I und </span><span id=\"i100591f64b8143c0bfd4ef928cfb5ec8\"></span></span></div><div class=\"ps22578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Level II</span></span></div><div class=\"ps22579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Finanzinstrumente mit einem Volumen von \u20ac 52 Millionen standen zum 31. Dezember 2025 Marktwerte zur Verf\u00fcgung. Zum </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beispiel gab es anstelle des BVAL-Werts (Bloomberg Evaluation) den BGN-Wert (Bloomberg Generic Price). Folglich wurden diese </span></span></div><div class=\"ps22581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wertpapiere von Level II auf Level I umgegliedert. Bei den Verschiebungen von Level I zu Level II handelt es sich haupts\u00e4chlich </span></span></div><div class=\"ps22582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">um Anleihen in H\u00f6he von \u20ac 22 Millionen, f\u00fcr die zum Zeitpunkt des Transfers nur abgeleitete Preise zur Verf\u00fcgung standen. </span></span></div><div class=\"ps22583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewegungen von zum Fair Value bewerteten Finanzinstrumenten in Level III</span><span id=\"i606479dcda544ff98bae6d3f898ecdd2\"></span></span></div><div class=\"ps22584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Der Gesamtbestand an Level-III-Verm\u00f6genswerten stieg in der Berichtsperiode um netto \u20ac 262 Millionen. Bei den Finanz-</span><span class=\"f ps24\"> </span></span></div><div class=\"ps22585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">instrumenten, die verpflichtend zum Fair Value bilanziert werden m\u00fcssen, kam es zu einer Erh\u00f6hung um netto \u20ac 246 Millionen, </span></span></div><div class=\"ps22586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">im Wesentlichen durch Zug\u00e4nge in \u00d6sterreich, insbesondere aufgrund von substantiellen Vertragsmodifikationen und durch </span></span></div><div class=\"ps22587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditwachstum in Ungarn. In der Bewertungskategorie finanzielle Verm\u00f6genswerte \u2013 Held for Trading erh\u00f6hte sich das </span></span></div><div class=\"ps22588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Volumen um netto \u20ac 7 Millionen, vorwiegend aufgrund von Zug\u00e4ngen in Albanien und Kroatien, wobei die Zug\u00e4nge in Albanien </span></span></div><div class=\"ps22589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durch noch h\u00f6here Abg\u00e4nge wieder aufgehoben wurden. Die Bewertungskategorie finanzielle Verm\u00f6genswerte - Fair Value </span></span></div><div class=\"ps22590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Through Other Comprehensive Income erh\u00f6hte sich um \u20ac 8 Millionen, insbesondere durch Zug\u00e4nge und positive </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsergebnisse in \u00d6sterreich. In der Gesamtnettover\u00e4nderung von \u20ac 255 Millionen waren netto rund \u20ac 14 Millionen </span></span></div><div class=\"ps22592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wechselkursschwankungen enthalten. </span></span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:174pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:78.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1257\"><div><div class=\"ps264 ss1256\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22593 ss1258\"><div><div class=\"ps12528 ss606\"><span class=\"f charStyle-1dbd4d87 ps12901\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss606\"><span class=\"f charStyle-1dbd4d87 ps13083\">1.1.2025</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22594 ss1259\"><div><div class=\"ps12528 ss1162\"><span class=\"f charStyle-1dbd4d87 ps18695\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1162\"><span class=\"f charStyle-1dbd4d87 ps18492\">Konsolidierungskreis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1260\"><div><div class=\"ps12528 ss111\"><span class=\"f charStyle-3e64e966 ps2702\">W\u00e4hrungs-</span></div><div class=\"ps12526 ss111\"><span class=\"f charStyle-3e64e966 ps2090\">differenzen</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22595 ss1260\"><div><div class=\"ps12526 ss111\"><span class=\"f charStyle-1dbd4d87 ps13481\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5727 ss1260\"><div><div class=\"ps12526 ss111\"><span class=\"f charStyle-1dbd4d87 ps5195\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1257\"><div><div class=\"ps31 ss1256\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1257\"><div><div class=\"ps31 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22596 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps7127\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22598 ss1167\"><div><div class=\"ps31 ss1162\"><span class=\"f charStyle-375ad3a6 ps22597\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16884 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps4156\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22599 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10129\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22600 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps17664\">-48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1261\"><div><div class=\"ps1485 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22601 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-375ad3a6 ps10496\">733<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22602 ss1168\"><div><div class=\"ps516 ss1162\"><span class=\"f charStyle-375ad3a6 ps22597\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22443 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps22603\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21822 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps3165\">301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22604 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps1468\">-47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1261\"><div><div class=\"ps1485 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-375ad3a6 ps22605\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22607 ss1168\"><div><div class=\"ps516 ss1162\"><span class=\"f charStyle-375ad3a6 ps22597\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17507 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21826 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22608 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1261\"><div><div class=\"ps1485 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1256\"><span class=\"f charStyle-375ad3a6 ps30\">Comprehensive Income</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22609 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-375ad3a6 ps11962\">272<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22611 ss1168\"><div><div class=\"ps516 ss1162\"><span class=\"f charStyle-375ad3a6 ps22610\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17513 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps17895\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22612 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps10664\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22613 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-375ad3a6 ps19680\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1934 ss1257\"><div><div class=\"ps31 ss1256\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22614 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-1dbd4d87 ps21218\">1.019<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22616 ss1167\"><div><div class=\"ps31 ss1162\"><span class=\"f charStyle-1dbd4d87 ps22615\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22618 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps22617\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22619 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps17771\">364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22620 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps17303\">-98<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22651 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:173.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1262\"><div><div class=\"ps264 ss485\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22621 ss1263\"><div><div class=\"ps12526 ss137\"><span class=\"f charStyle-1dbd4d87 ps12530\">Erfolg in GuV<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22622 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-3e64e966 ps17777\">Erfolg im sonstigen </span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-3e64e966 ps20359\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5431 ss1265\"><div><div class=\"ps12528 ss1191\"><span class=\"f charStyle-1dbd4d87 ps3069\">Transfer in <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1191\"><span class=\"f charStyle-1dbd4d87 ps12863\">Level III</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10675 ss1266\"><div><div class=\"ps12528 ss259\"><span class=\"f charStyle-1dbd4d87 ps3003\">Transfer aus <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss259\"><span class=\"f charStyle-1dbd4d87 ps13257\">Level III</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss1266\"><div><div class=\"ps12528 ss259\"><span class=\"f charStyle-1dbd4d87 ps5350\">Stand <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss259\"><span class=\"f charStyle-1dbd4d87 ps6730\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1262\"><div><div class=\"ps31 ss485\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1262\"><div><div class=\"ps31 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22623 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps254\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22625 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22626 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22627 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22628 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps4179\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1268\"><div><div class=\"ps1485 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22629 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-375ad3a6 ps12488\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22630 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22631 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22632 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22633 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">979<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1268\"><div><div class=\"ps1485 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Profit/Loss</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22634 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22635 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22636 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22637 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1268\"><div><div class=\"ps1485 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss485\"><span class=\"f charStyle-375ad3a6 ps30\">Comprehensive Income</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22638 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22640 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22639\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22641 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22642 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22643 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps405\">281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1934 ss1262\"><div><div class=\"ps31 ss485\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22644 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps14902\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22646 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-1dbd4d87 ps22645\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22647 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-1dbd4d87 ps18438\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22648 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps12816\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22650 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps22649\">1.281<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualitative Informationen zur Bewertung von Level-III-Finanzinstrumenten<span id=\"i130b3887198d4edfa2b35eabb04e7b9f\"></span></span></div><div class=\"ps22699 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:149.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:95.25pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:13.5pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1270\"><div><div class=\"ps264 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22654 ss1271\"><div><div class=\"ps5426 ss99\"><span class=\"f charStyle-1dbd4d87 ps11539\">Marktwert in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss99\"><span class=\"f charStyle-1dbd4d87 ps11305\">Millionen\u00b9</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22655 ss1273\"><div><div class=\"ps5427 ss1272\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewertungsmethode<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13624 ss1251\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-1dbd4d87 ps30\">beobachtbare Input-<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss795\"><span class=\"f charStyle-1dbd4d87 ps30\">Faktoren</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss1251\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-1dbd4d87 ps10285\">Umfang der nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-1dbd4d87 ps571\">beobachtbaren Input-</span></div><div class=\"ps3019 ss795\"><span class=\"f charStyle-1dbd4d87 ps17190\">Faktoren</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22656 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22657 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1275\"><div><div class=\"ps5430 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalanlagen,<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanine-Kapital,<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Erg\u00e4nzungskapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22658 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps12621\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22659 ss1273\"><div><div class=\"ps5426 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Indicative Prices (Richtpreise), <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Alternative Anlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22660 ss1251\"><div><div class=\"ps5427 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22372 ss1251\"><div><div class=\"ps5427 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss1276\"><div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Staatsanleihen, festverzinsliche Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22661 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22662 ss1277\"><div><div class=\"ps516 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">DCF-Verfahren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22663 ss796\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Credit Spread; (Auktions-) <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Zinskurve</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22664 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps15112\">2,5 - 14,77 %<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22665 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps431\">979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1276\"><div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22666 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1277\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Vereinfachte<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalwertmethode <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22667 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22668 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und andere nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">festverzinsliche Wertpapiere</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22669 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22670 ss1277\"><div><div class=\"ps1485 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Nettoverm\u00f6genswert<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Marktpreisindikation<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22671 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">(Auktions-) Preis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22411 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss1278\"><div><div class=\"ps22672 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22673 ss1279\"><div><div class=\"ps22672 ss99\"><span class=\"f charStyle-375ad3a6 ps22548\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22674 ss1280\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Retail: DCF-Verfahren (Black-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Scholes, Vorf\u00e4lligkeitsoptionen,<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Widerrufsm\u00f6glichkeit usw.)<span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Non-Retail: DCF-Verfahren/<span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Optionsbewertung<span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">(Black-Scholes (shifted) Model;<span class=\"f ps24\"> </span></span></div><div class=\"ps5395 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Hull-White Trinominal Tree)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22675 ss1281\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Spread (Neugesch\u00e4ft)<span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Funding-Kurven <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">(Liquidit\u00e4tskosten)</span></div><div class=\"ps5396 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisikopr\u00e4mie (CDS-<span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Kurven)</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22678 ss1281\"><div><div class=\"ps264 ss795\"><span class=\"f charStyle-375ad3a6 ps11491\">1,22 - 3,84 % \u00fcber alle <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss795\"><span class=\"f charStyle-375ad3a6 ps8899\">W\u00e4hrungen</span></div><div class=\"ps3750 ss795\"><span class=\"f charStyle-375ad3a6 ps22676\">-0,15 - 3,34 % \u00fcber alle <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss795\"><span class=\"f charStyle-375ad3a6 ps8899\">W\u00e4hrungen</span></div><div class=\"ps5395 ss795\"><span class=\"f charStyle-375ad3a6 ps22677\">0,17 - 5,46 % <span class=\"f ps24\"> </span></span></div><div class=\"ps5396 ss795\"><span class=\"f charStyle-375ad3a6 ps10929\">(abh\u00e4ngig vom rating:\u00a0 von <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss795\"><span class=\"f charStyle-375ad3a6 ps5659\">A bis CCC)</span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7923 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22679 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22553\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:39pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14002 ss1282\"><div><div class=\"ps5917 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22680 ss1283\"><div><div class=\"ps5917 ss99\"><span class=\"f charStyle-375ad3a6 ps464\">64<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22681 ss1284\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Dividend Discount Model <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Vereinfachte<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Ertragswertmethode <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">DCF-Verfahren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22682 ss1285\"><div><div class=\"ps515 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Credit Spread<span class=\"f ps24\"> </span></span></div><div class=\"ps5912 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow<span class=\"f ps24\"> </span></span></div><div class=\"ps5913 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Diskontierungszinssatz<span class=\"f ps24\"> </span></span></div><div class=\"ps5915 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Dividenden<span class=\"f ps24\"> </span></span></div><div class=\"ps5917 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Beta-Faktor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22683 ss1285\"><div><div class=\"ps5917 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4618 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15648\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22685 ss1286\"><div><div class=\"ps31 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Adjusted Net Asset Value Methode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22686 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Angepasstes Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22687 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:54pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6156 ss1287\"><div><div class=\"ps22688 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22689 ss1288\"><div><div class=\"ps22688 ss99\"><span class=\"f charStyle-375ad3a6 ps17672\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22690 ss1289\"><div><div class=\"ps264 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Multiplikatormethode<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Transaktionspreis<span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Anschaffungskosten<span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Kostenann\u00e4herung<span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertungsgutachten<span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Kostenansatz abz\u00fcglich<span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22691 ss1290\"><div><div class=\"ps22688 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22693 ss1290\"><div><div class=\"ps22688 ss795\"><span class=\"f charStyle-375ad3a6 ps22692\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14507 ss1276\"><div><div class=\"ps1485 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Staatsanleihen, <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Kommunalschuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22694 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps22292\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22695 ss1277\"><div><div class=\"ps516 ss1272\"><span class=\"f charStyle-375ad3a6 ps30\">DCF-Verfahren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22696 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps30\">Zinskurve<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22697 ss796\"><div><div class=\"ps516 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6855 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22698 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6987\">1.281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4t des Fair Values f\u00fcr finanzielle Verm\u00f6genswerte (Level III) und <span id=\"i09bc0a5d5a7a41bda5e2ffce721e17aa\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verbindlichkeiten, die zum Fair Value bewertet werden</span></div><div class=\"ps15585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die Berechnungen der nicht beobachtbaren Input-Parameter basieren haupts\u00e4chlich auf \u00c4nderungen der Credit Spreads f\u00fcr </span></span></div><div class=\"ps15587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anleihen und Kredite sowie auf den Marktwerten vergleichbarer Aktien. F\u00fcr Anleihen und Kredite f\u00fchrt ein Anstieg (R\u00fcckgang) </span><span class=\"f ps24\"> </span></span></div><div class=\"ps15588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Credit Spreads um 100 Basispunkte zu einem entsprechenden R\u00fcckgang (Anstieg) im Fair Value. Bei nicht b\u00f6rsennotierten </span><span class=\"f ps24\"> </span></span></div><div class=\"ps15590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Eigenkapitalinstrumenten f\u00fchrt eine Erh\u00f6hung (R\u00fcckgang) des Preises um 10 Prozent zu einer entsprechenden Erh\u00f6hung </span><span class=\"f ps24\"> </span></span></div><div class=\"ps15591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(R\u00fcckgang) des Fair Values.</span></span></div><div class=\"ps22702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verm\u00f6genswerte<span id=\"id871790c52374e3f85e6a807fa98c114\"></span></span></div><div class=\"ps22708 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22703\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps39 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22704\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps47 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps48 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps49 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps53 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps55 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps57 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps59 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps61 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps63 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17739\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps68 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22705\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps70 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps72 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18510\">689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps74 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15179\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps76 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17995\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps81 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps85 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22706\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps87 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps89 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Effekt in der Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps92 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps94 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17557\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps96 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17792\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps98 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps99 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19196\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps101 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps22707\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22714 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22703\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps39 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22704\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps47 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps48 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps49 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps53 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps55 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps57 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps59 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps61 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps63 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17253\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps68 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18379\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps70 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22298\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps72 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17780\">91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps74 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18494\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps76 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18777\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps81 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17780\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22710\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps85 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22711\">181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps87 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22712\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps89 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21885\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Effekt im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps92 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps94 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17548\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps96 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps22713\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps98 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps99 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17234\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps101 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19686\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(33) Saldierung finanzieller Verm\u00f6genswerte und Schulden<span id=\"i48164004ebe4466db04328cc57042da2\"></span></span></div><div class=\"ps25379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den nachstehenden Tabellen sind finanzielle Verm\u00f6genswerte und Schulden dargestellt, die in der Konzernbilanz saldiert </span></div><div class=\"ps25380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden oder einem durchsetzbaren/undurchsetzbaren Aufrechnungsrahmen oder einer vergleichbaren Vereinbarung f\u00fcr </span></div><div class=\"ps25381 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00e4hnliche Finanzinstrumente unterliegen, ungeachtet dessen, ob sie in der Bilanz saldiert werden oder nicht.</span></div><div class=\"ps25382 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Identit\u00e4t von Schuldner und Gl\u00e4ubiger erfolgt eine Aufrechnung laufzeit- und w\u00e4hrungskonformer Forderungen und <span class=\"f ps24\"> </span></span></div><div class=\"ps25383 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten dann, wenn ein durchsetzbares Recht darauf besteht und die Aufrechnung dem tats\u00e4chlich erwarteten </span></div><div class=\"ps25384 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ablauf des Gesch\u00e4fts entspricht.</span></div><div class=\"ps25385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter vergleichbaren Vereinbarungen sind unter anderem Derivat-Clearingvertr\u00e4ge sowie globale Rahmenvertr\u00e4ge \u00fcber einen </span></div><div class=\"ps25386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckkauf oder Wertpapierleihgesch\u00e4fte zu verstehen. \u00c4hnliche Finanzinstrumente sind z. B. Derivate, Repo- und Reverse-Repo-</span></div><div class=\"ps25387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4fte sowie Wertpapierverleih- und -leihgesch\u00e4fte.<span class=\"f ps24\"> </span></span></div><div class=\"ps25388 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einige dieser Vereinbarungen werden in der Bilanz nicht saldiert, weil den jeweiligen Vertragspartnern ein Recht zur <span class=\"f ps24\"> </span></span></div><div class=\"ps25389 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnung von erfassten Betr\u00e4gen einger\u00e4umt wird, welches nur bei Eintritt eines Ereignisses, das einen Verzug darstellt, der </span></div><div class=\"ps25390 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insolvenz oder des Konkurses des Konzerns oder der Vertragspartner oder von anderen, vorab festgelegten Ereignissen </span></div><div class=\"ps25391 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchsetzbar ist. Dar\u00fcber hinaus beabsichtigen der Konzern und seine Vertragspartner nicht, auf Nettobasis abzurechnen oder </span></div><div class=\"ps25392 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Verm\u00f6genswerte zu realisieren und zeitgleich die Schulden zu tilgen. Der Konzern erh\u00e4lt und stellt Sicherheiten in Form von </span></div><div class=\"ps25393 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">liquiden Mitteln und marktg\u00e4ngigen Wertpapieren. </span></div><div class=\"ps4716 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:33pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps264 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1414\"><div><div class=\"ps31 ss1413\"><span class=\"f charStyle-1dbd4d87 ps22336\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss1415\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps23274\">Nettobetrag <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss99\"><span class=\"f charStyle-1dbd4d87 ps11061\">bilanzierter </span></div><div class=\"ps3019 ss99\"><span class=\"f charStyle-1dbd4d87 ps16886\">finanzieller </span></div><div class=\"ps3704 ss99\"><span class=\"f charStyle-1dbd4d87 ps641\">Verm\u00f6gens-</span></div><div class=\"ps3750 ss99\"><span class=\"f charStyle-1dbd4d87 ps12819\">werte</span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1066 ss1416\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps25394\">Betr\u00e4ge aus Globalauf-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1222\"><span class=\"f charStyle-1dbd4d87 ps25395\">rechnungsvereinbarungen</span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss1417\"><div><div class=\"ps264 ss36\"><span class=\"f charStyle-1dbd4d87 ps25396\">Netto-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss36\"><span class=\"f charStyle-1dbd4d87 ps25397\">betrag</span></div></div></div></td></tr><tr style=\"height:9pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1418\"><div><div class=\"ps25398 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14913 ss1419\"><div><div class=\"ps25400 ss377\"><span class=\"f charStyle-1dbd4d87 ps25399\">bilanzierter <span class=\"f ps24\"> </span></span></div><div class=\"ps25401 ss377\"><span class=\"f charStyle-1dbd4d87 ps9431\">finanzieller </span></div><div class=\"ps25398 ss377\"><span class=\"f charStyle-1dbd4d87 ps25402\">Verm\u00f6genswerte</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss1420\"><div><div class=\"ps25403 ss184\"><span class=\"f charStyle-1dbd4d87 ps17537\">saldierter <span class=\"f ps24\"> </span></span></div><div class=\"ps25400 ss184\"><span class=\"f charStyle-1dbd4d87 ps11163\">bilanzierter </span></div><div class=\"ps25401 ss184\"><span class=\"f charStyle-1dbd4d87 ps25404\">finanzieller </span></div><div class=\"ps25398 ss184\"><span class=\"f charStyle-1dbd4d87 ps5764\">Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25407 ss341\"><div><div class=\"ps25405 ss99\"><span class=\"f charStyle-1dbd4d87 ps3173\">Finanz- <span class=\"f ps24\"> </span></span></div><div class=\"ps25406 ss99\"><span class=\"f charStyle-1dbd4d87 ps565\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25408 ss373\"><div><div class=\"ps25405 ss5\"><span class=\"f charStyle-1dbd4d87 ps10105\">Erhaltene <span class=\"f ps24\"> </span></span></div><div class=\"ps25406 ss5\"><span class=\"f charStyle-1dbd4d87 ps11817\">Barsicherheiten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25409 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate (rechtlich durchsetzbar)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25410 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps12172\">5.709<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25412 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps25411\">1.628<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25413 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1660\">4.081<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25414 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15658\">2.491<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25416 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25415\">1.184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25417 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps6441\">405<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4710 ss120\"><div><div class=\"ps5430 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Echte Pensionsgesch\u00e4fte als Pensionsgeber, <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapierleihe und \u00e4hnliche Vereinbarungen (rechtlich <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">durchsetzbar)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25419 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-375ad3a6 ps25418\">16.861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25420 ss266\"><div><div class=\"ps5427 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25421 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps9376\">16.861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25422 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps5911\">16.684<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25423 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25424 ss801\"><div><div class=\"ps5427 ss36\"><span class=\"f charStyle-375ad3a6 ps1872\">177<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8931 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25425 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps22545\">22.570<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25427 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps25426\">1.628<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25428 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1466\">20.942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25429 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps10709\">19.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25430 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps7127\">1.184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25431 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-1dbd4d87 ps10267\">583<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25435 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:33pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps264 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1414\"><div><div class=\"ps31 ss1413\"><span class=\"f charStyle-1dbd4d87 ps22336\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss1415\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps23274\">Nettobetrag <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss99\"><span class=\"f charStyle-1dbd4d87 ps11061\">bilanzierter </span></div><div class=\"ps3019 ss99\"><span class=\"f charStyle-1dbd4d87 ps16886\">finanzieller </span></div><div class=\"ps3704 ss99\"><span class=\"f charStyle-1dbd4d87 ps25432\">Verbindlich-</span></div><div class=\"ps3750 ss99\"><span class=\"f charStyle-1dbd4d87 ps12766\">keiten</span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1066 ss1416\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps25394\">Betr\u00e4ge aus Globalauf-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1222\"><span class=\"f charStyle-1dbd4d87 ps25395\">rechnungsvereinbarungen</span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss1417\"><div><div class=\"ps264 ss36\"><span class=\"f charStyle-1dbd4d87 ps25396\">Netto-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss36\"><span class=\"f charStyle-1dbd4d87 ps25397\">betrag</span></div></div></div></td></tr><tr style=\"height:9pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1418\"><div><div class=\"ps25398 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14913 ss1419\"><div><div class=\"ps25403 ss377\"><span class=\"f charStyle-1dbd4d87 ps25399\">bilanzierter <span class=\"f ps24\"> </span></span></div><div class=\"ps25400 ss377\"><span class=\"f charStyle-1dbd4d87 ps9431\">finanzieller </span></div><div class=\"ps25401 ss377\"><span class=\"f charStyle-1dbd4d87 ps9238\">Verbindlich-</span></div><div class=\"ps25398 ss377\"><span class=\"f charStyle-1dbd4d87 ps16877\">keiten<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss1420\"><div><div class=\"ps25403 ss184\"><span class=\"f charStyle-1dbd4d87 ps17537\">saldierter <span class=\"f ps24\"> </span></span></div><div class=\"ps25400 ss184\"><span class=\"f charStyle-1dbd4d87 ps11163\">bilanzierter </span></div><div class=\"ps25401 ss184\"><span class=\"f charStyle-1dbd4d87 ps25404\">finanzieller </span></div><div class=\"ps25398 ss184\"><span class=\"f charStyle-1dbd4d87 ps25433\">Verm\u00f6genswerte</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25407 ss341\"><div><div class=\"ps25405 ss99\"><span class=\"f charStyle-1dbd4d87 ps3173\">Finanz- <span class=\"f ps24\"> </span></span></div><div class=\"ps25406 ss99\"><span class=\"f charStyle-1dbd4d87 ps565\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25408 ss373\"><div><div class=\"ps25405 ss5\"><span class=\"f charStyle-1dbd4d87 ps10105\">Erhaltene <span class=\"f ps24\"> </span></span></div><div class=\"ps25406 ss5\"><span class=\"f charStyle-1dbd4d87 ps11817\">Barsicherheiten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25409 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate (rechtlich durchsetzbar)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25410 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps17459\">4.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25412 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps25411\">1.628<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25413 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps357\">3.336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25414 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21370\">2.472<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25416 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17749\">595<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25417 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps10952\">269<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4710 ss120\"><div><div class=\"ps5430 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Echte Pensionsgesch\u00e4fte als Pensionsgeber, <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapierleihe und \u00e4hnliche Vereinbarungen (rechtlich <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">durchsetzbar)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25419 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-375ad3a6 ps17676\">2.924<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25420 ss266\"><div><div class=\"ps5427 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25421 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps485\">2.924<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25422 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps9896\">2.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25423 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25424 ss801\"><div><div class=\"ps5427 ss36\"><span class=\"f charStyle-375ad3a6 ps6331\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8931 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25425 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps19443\">7.888<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25427 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps25426\">1.628<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25428 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps25434\">6.259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25429 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps163\">5.329<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25430 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps399\">595<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25431 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-1dbd4d87 ps6441\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Berichtsjahr betrugen die Aktiva, die keiner rechtlich durchsetzbaren Netting-Vereinbarung unterlagen, \u20ac 189.323 Millionen </span></div><div class=\"ps25437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Vorjahr: \u20ac 176.667 Millionen). Davon entfiel ein unwesentlicher Anteil auf derivative Finanzinstrumente und Barbest\u00e4nde aus </span></div><div class=\"ps25438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reverse-Repo-Gesch\u00e4ften. Die Verbindlichkeiten, die keiner rechtlich durchsetzbaren Netting-Vereinbarung unterlagen, beliefen </span></div><div class=\"ps25439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich im Jahr 2025 auf \u20ac 181.542 Millionen (Vorjahr: \u20ac 171.218 Millionen), von denen nur ein unwesentlicher Anteil auf derivative <span class=\"f ps24\"> </span></span></div><div class=\"ps25440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzinstrumente und Bardepots aus Repo-Gesch\u00e4ften entfiel.</span></div><div class=\"ps25442 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:33pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps264 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1414\"><div><div class=\"ps31 ss1413\"><span class=\"f charStyle-1dbd4d87 ps22336\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss1415\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps23274\">Nettobetrag <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss99\"><span class=\"f charStyle-1dbd4d87 ps11061\">bilanzierter </span></div><div class=\"ps3019 ss99\"><span class=\"f charStyle-1dbd4d87 ps16886\">finanzieller </span></div><div class=\"ps3704 ss99\"><span class=\"f charStyle-1dbd4d87 ps641\">Verm\u00f6gens-</span></div><div class=\"ps3750 ss99\"><span class=\"f charStyle-1dbd4d87 ps12819\">werte</span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1066 ss1416\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps25394\">Betr\u00e4ge aus Globalauf-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1222\"><span class=\"f charStyle-1dbd4d87 ps25395\">rechnungsvereinbarungen</span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss1417\"><div><div class=\"ps264 ss36\"><span class=\"f charStyle-1dbd4d87 ps25396\">Netto-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss36\"><span class=\"f charStyle-1dbd4d87 ps25397\">betrag</span></div></div></div></td></tr><tr style=\"height:9pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1418\"><div><div class=\"ps25398 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14913 ss1419\"><div><div class=\"ps25400 ss377\"><span class=\"f charStyle-1dbd4d87 ps25399\">bilanzierter <span class=\"f ps24\"> </span></span></div><div class=\"ps25401 ss377\"><span class=\"f charStyle-1dbd4d87 ps9431\">finanzieller </span></div><div class=\"ps25398 ss377\"><span class=\"f charStyle-1dbd4d87 ps25402\">Verm\u00f6genswerte</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss1420\"><div><div class=\"ps25403 ss184\"><span class=\"f charStyle-1dbd4d87 ps17537\">saldierter <span class=\"f ps24\"> </span></span></div><div class=\"ps25400 ss184\"><span class=\"f charStyle-1dbd4d87 ps11163\">bilanzierter </span></div><div class=\"ps25401 ss184\"><span class=\"f charStyle-1dbd4d87 ps25404\">finanzieller </span></div><div class=\"ps25398 ss184\"><span class=\"f charStyle-1dbd4d87 ps5764\">Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25407 ss341\"><div><div class=\"ps25405 ss99\"><span class=\"f charStyle-1dbd4d87 ps3173\">Finanz- <span class=\"f ps24\"> </span></span></div><div class=\"ps25406 ss99\"><span class=\"f charStyle-1dbd4d87 ps565\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25408 ss373\"><div><div class=\"ps25405 ss5\"><span class=\"f charStyle-1dbd4d87 ps10105\">Erhaltene <span class=\"f ps24\"> </span></span></div><div class=\"ps25406 ss5\"><span class=\"f charStyle-1dbd4d87 ps11817\">Barsicherheiten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25409 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate (rechtlich durchsetzbar)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25410 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps18488\">8.076<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25412 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps25288\">4.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25413 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps485\">3.978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25414 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1548\">2.766<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25416 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps12548\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25417 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps25441\">358<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4710 ss120\"><div><div class=\"ps5430 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Echte Pensionsgesch\u00e4fte als Pensionsgeber, <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapierleihe und \u00e4hnliche Vereinbarungen (rechtlich <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">durchsetzbar)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25419 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-375ad3a6 ps12448\">19.206<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25420 ss266\"><div><div class=\"ps5427 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25421 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps10737\">19.206<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25422 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps10425\">18.923<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25423 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25424 ss801\"><div><div class=\"ps5427 ss36\"><span class=\"f charStyle-375ad3a6 ps9433\">283<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8931 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25425 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps19508\">27.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25427 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps22726\">4.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25428 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps20970\">23.184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25429 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps21193\">21.689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25430 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21301\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25431 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-1dbd4d87 ps9248\">641<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25444 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:33pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss118\"><div><div class=\"ps264 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1414\"><div><div class=\"ps31 ss1413\"><span class=\"f charStyle-1dbd4d87 ps22336\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss1415\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps23274\">Nettobetrag <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss99\"><span class=\"f charStyle-1dbd4d87 ps11061\">bilanzierter </span></div><div class=\"ps3019 ss99\"><span class=\"f charStyle-1dbd4d87 ps16886\">finanzieller </span></div><div class=\"ps3704 ss99\"><span class=\"f charStyle-1dbd4d87 ps25432\">Verbindlich-</span></div><div class=\"ps3750 ss99\"><span class=\"f charStyle-1dbd4d87 ps12766\">keiten</span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1066 ss1416\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps25394\">Betr\u00e4ge aus Globalauf-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1222\"><span class=\"f charStyle-1dbd4d87 ps25395\">rechnungsvereinbarungen</span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss1417\"><div><div class=\"ps264 ss36\"><span class=\"f charStyle-1dbd4d87 ps25396\">Netto-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss36\"><span class=\"f charStyle-1dbd4d87 ps25397\">betrag</span></div></div></div></td></tr><tr style=\"height:9pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1418\"><div><div class=\"ps25398 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14913 ss1419\"><div><div class=\"ps25403 ss377\"><span class=\"f charStyle-1dbd4d87 ps25399\">bilanzierter <span class=\"f ps24\"> </span></span></div><div class=\"ps25400 ss377\"><span class=\"f charStyle-1dbd4d87 ps9431\">finanzieller </span></div><div class=\"ps25401 ss377\"><span class=\"f charStyle-1dbd4d87 ps9238\">Verbindlich-</span></div><div class=\"ps25398 ss377\"><span class=\"f charStyle-1dbd4d87 ps16877\">keiten<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss1420\"><div><div class=\"ps25403 ss184\"><span class=\"f charStyle-1dbd4d87 ps17537\">saldierter <span class=\"f ps24\"> </span></span></div><div class=\"ps25400 ss184\"><span class=\"f charStyle-1dbd4d87 ps11163\">bilanzierter </span></div><div class=\"ps25401 ss184\"><span class=\"f charStyle-1dbd4d87 ps25404\">finanzieller </span></div><div class=\"ps25398 ss184\"><span class=\"f charStyle-1dbd4d87 ps25433\">Verm\u00f6genswerte</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25407 ss341\"><div><div class=\"ps25405 ss99\"><span class=\"f charStyle-1dbd4d87 ps3173\">Finanz- <span class=\"f ps24\"> </span></span></div><div class=\"ps25406 ss99\"><span class=\"f charStyle-1dbd4d87 ps565\">instrumente</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25408 ss373\"><div><div class=\"ps25405 ss5\"><span class=\"f charStyle-1dbd4d87 ps10105\">Erhaltene <span class=\"f ps24\"> </span></span></div><div class=\"ps25406 ss5\"><span class=\"f charStyle-1dbd4d87 ps11817\">Barsicherheiten</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25409 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate (rechtlich durchsetzbar)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25410 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps17265\">7.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25412 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps25288\">4.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25413 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps485\">3.897<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25414 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10687\">2.738<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25416 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps24764\">806<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25417 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps5186\">352<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4710 ss120\"><div><div class=\"ps5430 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Echte Pensionsgesch\u00e4fte als Pensionsgeber, <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapierleihe und \u00e4hnliche Vereinbarungen (rechtlich <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">durchsetzbar)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25419 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-375ad3a6 ps18759\">4.396<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25420 ss266\"><div><div class=\"ps5427 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25421 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps10653\">4.396<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25422 ss1271\"><div><div class=\"ps5427 ss99\"><span class=\"f charStyle-375ad3a6 ps7128\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25423 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25424 ss801\"><div><div class=\"ps5427 ss36\"><span class=\"f charStyle-375ad3a6 ps8430\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8931 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25425 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps18777\">12.391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25427 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps22726\">4.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25428 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6006\">8.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25429 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps21770\">7.013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25430 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps25443\">806<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25431 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-1dbd4d87 ps3844\">474<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(34) Verbriefungen (RBI als Originator)<span id=\"ibc7360733875410dbd2b56d18bf82073\"></span></span></div><div class=\"ps25447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verbrieft verschiedene finanzielle Verm\u00f6genswerte, indem Risiken der Mezzanin- oder Junior-Tranchen mittels </span></div><div class=\"ps25448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">synthetischer Verbriefung an Dritte \u00fcbertragen werden. Dies erfolgt fallweise durch die \u00dcbertragung der Risiken der jeweiligen </span></div><div class=\"ps25449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tranchen an institutionelle Investoren, supranationale Organisationen oder Zweckgesellschaften (SPV), die Wertpapiere an </span></div><div class=\"ps15129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investoren ausgeben. Im Rahmen der Transaktionen kommen direkte Finanzgarantien eines Dritten zum Einsatz, die das Risiko </span></div><div class=\"ps15130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Mezzanin- oder Junior-Tranche abdecken. Je nachdem, welche Tranche extern platziert wird, beh\u00e4lt die RBI als Originator </span></div><div class=\"ps25450 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbriefungspositionen in Form von Senior- und/oder nachrangigen Tranchen.</span></div><div class=\"ps25451 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ziel der vom Konzern abgeschlossenen Verbriefungen ist es, die regulatorischen Eigenmittel auf Konzernebene zu entlasten und </span></div><div class=\"ps25452 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Refinanzierungsquellen zu nutzen.</span></div><div class=\"ps25453 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachstehende Transaktionen mit externen Vertragspartnern f\u00fcr alle oder zumindest einzelne Tranchen waren im </span></div><div class=\"ps25454 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsjahr 2025 aktiv und f\u00fchrten zu einer Kreditrisikominderung, die auch zu einer Reduktion der risikogewichteten Aktiva </span></div><div class=\"ps25455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im regulatorischen Reporting beitrug. Die angef\u00fchrten Werte stellen jeweils das verbriefte Portfolio und die zugrunde liegenden </span></div><div class=\"ps25456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen sowie den Betrag der extern platzierten Tranche zum Bilanzstichtag dar.</span></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:32.25pt\"></td><td style=\"padding:0;width:32.25pt\"></td><td style=\"padding:0;width:32.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:64.5pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1422\"><div><div class=\"ps5427 ss691\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25636 ss1423\"><div><div class=\"ps5426 ss63\"><span class=\"f charStyle-1dbd4d87 ps30\">Ab-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss63\"><span class=\"f charStyle-1dbd4d87 ps30\">schluss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25637 ss1423\"><div><div class=\"ps5426 ss63\"><span class=\"f charStyle-1dbd4d87 ps30\">Ende der <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss63\"><span class=\"f charStyle-1dbd4d87 ps30\">Laufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25639 ss1423\"><div><div class=\"ps5426 ss63\"><span class=\"f charStyle-1dbd4d87 ps25394\">Max. <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss63\"><span class=\"f charStyle-1dbd4d87 ps25638\">Volumen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss805\"><div><div class=\"ps5426 ss57\"><span class=\"f charStyle-1dbd4d87 ps25640\">Verbrieftes <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss57\"><span class=\"f charStyle-1dbd4d87 ps25641\">Portfolio</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25643 ss792\"><div><div class=\"ps5430 ss622\"><span class=\"f charStyle-3e64e966 ps18536\">Zugrunde </span></div><div class=\"ps5426 ss622\"><span class=\"f charStyle-3e64e966 ps25642\">liegende </span></div><div class=\"ps5427 ss622\"><span class=\"f charStyle-3e64e966 ps3315\">Forderungen</span><span class=\"f charStyle-cdbbedb5 ps12434\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25644 ss808\"><div><div class=\"ps5427 ss193\"><span class=\"f charStyle-1dbd4d87 ps30\">Portfolio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25645 ss775\"><div><div class=\"ps5430 ss5\"><span class=\"f charStyle-1dbd4d87 ps30\">Extern <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss5\"><span class=\"f charStyle-1dbd4d87 ps30\">platzierte </span></div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps30\">Tranche<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25647 ss1220\"><div><div class=\"ps5430 ss173\"><span class=\"f charStyle-1dbd4d87 ps25646\">Betrag der extern <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps1885\">platzierten <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps3172\">Tranche</span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF RO Personal Loans 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25457 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Okt. 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25458 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2037<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25460 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps25459\">1.053<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25461 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps24865\">997<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25462 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps9437\">1.049<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25463 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Privatkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25464 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25466 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps25465\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1865 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF HR Personal Loans 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25467 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25468 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2036<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25469 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps17803\">554<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25470 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps12470\">554<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25471 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps19400\">583<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25472 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Privatkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25473 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25474 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps20357\">55<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF CORPORATE 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25475 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Nov. 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25476 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Sept. 2034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25478 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps25477\">2.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25479 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps1150\">2.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25480 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps6343\">7.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25481 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25482 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25483 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps19240\">152<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF HR MORTGAGES 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25484 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25485 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Nov. 2035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25486 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps5344\">660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19937 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps11939\">597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25487 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps10790\">629<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25488 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Bauspardarlehen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25489 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps20357\">55<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF CORPORATE 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25490 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Sept. 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25491 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Okt. 2033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25493 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps25492\">1.852<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25494 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps9232\">1.001<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25495 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps10710\">3.050<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25496 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25497 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25498 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps20357\">55<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF CROATIA 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25499 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25500 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25501 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps5288\">366<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25502 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps18676\">202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25503 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps1640\">371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25504 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14264 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25506 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps25505\">14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF HUNGARY 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25507 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25508 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">M\u00e4rz 2038<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25509 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps8144\">785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25510 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps11571\">832<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25511 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps10700\">876<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25512 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Bauspardarlehen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25513 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25514 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps20175\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4780 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF ROMANIA 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25515 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Nov. 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25516 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25518 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps25517\">307<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25520 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps25519\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25521 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps10749\">252<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25522 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25523 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25524 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17384\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF CORPORATE 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25525 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25526 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25528 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps25527\">1.818<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19987 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps24865\">997<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25530 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps25529\">3.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25531 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25532 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps25533\">58<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">ROOF CORPORATE 2021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25534 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25535 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25537 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps25536\">4.080<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25538 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps9711\">1.875<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25539 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps12739\">3.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25540 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25541 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25542 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps20175\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-6d404c82 ps30\">Synthetic Transaction </span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-6d404c82 ps30\">ROOF CRE 2019</span><span class=\"f charStyle-ef1a5293 ps25543\"><sup>1 </sup></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25544 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Okt. 2019<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25545 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Sept. 2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25546 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps16667\">1.262<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25547 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps20546\">752<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25548 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps7065\">2.133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25549 ss1175\"><div><div class=\"ps1485 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkredite, <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Projektfinanzierungen</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14359 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Mezzanin<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25550 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps18429\">50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6477 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EIF Western Balkans EDIF Serbia<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25551 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Nov. 2018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25552 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25553 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps9078\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25554 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps9810\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25555 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25556 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25557 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25558 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6131 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EIF COSME Serbia<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25559 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25560 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25561 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps9132\">64<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25562 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps10500\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25563 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps19601\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25564 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25565 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25566 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps299 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">State Guarantee Serbia<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25567 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Mai 2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25568 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">April 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25569 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps17183\">147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps20264 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps9810\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25570 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25571 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25572 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps24720 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EIF DCFTA Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25573 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25574 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25575 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps9704\">176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25576 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps10744\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25577 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps22553\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25578 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25579 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25580 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps20083\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5311 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EIF JEREMIE Slovakia<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25581 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">M\u00e4rz 2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25582 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25583 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps7124\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25584 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps9810\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25585 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25586 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25587 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25588 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5416 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EIF Western Balkans EDIF Albania<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25589 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2016<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25590 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25591 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps17781\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25592 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps9810\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25593 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25594 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25595 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25596 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6206 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EIF COSME Romania<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25597 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">April 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25598 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25599 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps5902\">434<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20058 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps223\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25600 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps16880\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25601 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25602 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25603 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17467\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EIF EASI Romania<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25604 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">July 2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25605 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25606 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps17509\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20303 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps10500\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25607 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps18584\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25608 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25609 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25610 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17386\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25611 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EIF Microfinance Romania<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25612 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25613 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25614 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps9088\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25615 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps10114\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25616 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps16880\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25617 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25618 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25619 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17446\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6628 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EIB RRF Romania<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25620 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Juni 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25621 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25622 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps8219\">375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25623 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps16865\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25624 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps402\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25625 ss1175\"><div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25626 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25627 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17448\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7871 ss1421\"><div><div class=\"ps1485 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">Synthetic Transaction<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss691\"><span class=\"f charStyle-375ad3a6 ps30\">EBRD Unfunded RSF Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25628 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Okt. 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25629 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps30\">Dez. 2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25630 ss64\"><div><div class=\"ps516 ss63\"><span class=\"f charStyle-375ad3a6 ps21142\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25631 ss58\"><div><div class=\"ps516 ss57\"><span class=\"f charStyle-375ad3a6 ps10120\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25632 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps16877\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25633 ss1175\"><div><div class=\"ps1485 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkredite und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss193\"><span class=\"f charStyle-375ad3a6 ps30\">SME Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25634 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Junior<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25635 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17447\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"9\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8717 ss1301\"><div><div class=\"ps16905 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Junior-Tranche konzernintern gehalten<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss7\"><span class=\"f charStyle-2babd150 ps30\">2 Zugrunde liegende Forderungen (verbrieft und unverbrieft)<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss7\"><span class=\"f charStyle-2babd150 ps30\">SME: Small and Medium-sized Enterprises<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25648 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die synthetischen ROOF-Transaktionen sind in eine Senior-, eine Mezzanin- und eine Junior-Tranche aufgeteilt. Das Kreditrisiko </span></div><div class=\"ps25649 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Mezzanin-Tranche wird entweder von institutionellen Investoren oder supranationalen Institutionen garantiert, w\u00e4hrend </span></div><div class=\"ps25650 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Kreditrisiko der Junior- und Senior-Tranchen beibehalten wird.</span></div><div class=\"ps25651 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Jahr 2025 wurden folgende neue Transaktionen mit Significant Risk Transfer (SRT) realisiert:</span></div><div class=\"ps25652 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Raiffeisenbank S.A., Bukarest, f\u00fchrte ROOF RO Personal Loans 2025 durch. Das Kreditrisiko der Mezzanine-Tranche ist </span></div><div class=\"ps25653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">durch institutionelle Investoren garantiert, w\u00e4hrend das Kreditrisiko der Junior- und Senior-Tranchen behalten wird.</span></div><div class=\"ps25654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Im Rahmen des EIF InvestEU-Programms unterzeichnete Raiffeisenbank S.A., Bukarest, eine Portfolio-Garantie f\u00fcr </span></div><div class=\"ps25655 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Mikrofinanzierung (EIF Microfinance Romania) mit dem Ziel, die Schaffung von Arbeitspl\u00e4tzen und soziale Inklusion zu </span></div><div class=\"ps25656 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">f\u00f6rdern. Ein signifikanter Risiko\u00fcbergang f\u00fcr diese Transaktion wird ab Jahresende 2025 anerkannt.<span class=\"f ps24\"> </span></span></div><div class=\"ps25657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Im Rahmen der EIB Resolution and Resilience Facility unterzeichnete Raiffeisenbank S.A., Bukarest, eine Portfolio-</span></div><div class=\"ps25658 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Garantie (EIB RRF Romania), die darauf abzielt, die wirtschaftlichen und sozialen Auswirkungen der COVID-19-</span></div><div class=\"ps25659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Pandemie abzumildern. Ein signifikanter Risiko\u00fcbergang f\u00fcr diese Transaktion wird ab Jahresende 2025 anerkannt. </span></div><div class=\"ps25660 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die ROOF HUNGARY 2022 Transaktion wurde aufgestockt, was zu einer Erh\u00f6hung der Portfolioparameter sowie des Volumens </span></div><div class=\"ps25661 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der extern platzierten Tranche f\u00fchrte.</span></div><div class=\"ps25662 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen des EBRD Unfunded Risk Sharing Facility-Programms unterzeichnete die Raiffeisen Bank JSC, Kiew, eine Portfolio-</span></div><div class=\"ps25663 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Garantievereinbarung, die von der EU finanziert wurde und darauf abzielt, den Zugang zu Finanzmitteln f\u00fcr private </span></div><div class=\"ps25664 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen im Rahmen des Resilience and Livelihood Framework und des SME Competitiveness in Eastern Partnership-</span></div><div class=\"ps25665 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Programms zu erleichtern.</span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Western Balkans Enterprise Development and Innovation Facility unterzeichnete die Raiffeisen Bank Serbien, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Belgrad, eine Portfolio-Grantievereinbarung, die von der EU finanziert wurde und darauf abzielt, den Zugang zu Finanzmitteln </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr kleine und mittlere Unternehmen zu erm\u00f6glichen. Ein signifikanter Risiko\u00fcbergang f\u00fcr diese Transaktion wird ab Ende 2022 </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anerkannt.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der COSME-Initiative unterzeichnete die Raiffeisen Bank Serbien, Belgrad, im Jahr 2020 eine Portfolio-</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Garantievereinbarung, die von der EU finanziert wurde und darauf abzielt, den Zugang zu Finanzmitteln f\u00fcr kleine und mittlere </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen zu erm\u00f6glichen. Ein signifikanter Risiko\u00fcbergang f\u00fcr diese Transaktion wird ab Ende 2022 anerkannt.</span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen einer staatlichen Garantieinitiative unterzeichnete die Raiffeisen Bank Serbien, Belgrad, im Jahr 2020 eine Portfolio-</span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Garantievereinbarung, die von der Serbischen Nationalbank finanziert wurde und darauf abzielt, Unterst\u00fctzung w\u00e4hrend der </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">COVID-19-Krise zu leisten. Ein signifikanter Risiko\u00fcbergang f\u00fcr diese Transaktion wird ab Januar 2021 anerkannt.</span></div><div class=\"ps3659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der DCFTA-Initiative unterzeichnete die Raiffeisen Bank JSC, Kiew, im Jahr 2017 eine Portfolio-Garantievereinbarung, </span></div><div class=\"ps25667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die von der EU finanziert wurde und darauf abzielt, den Zugang zu Finanzmitteln f\u00fcr kleine und mittlere Unternehmen zu </span></div><div class=\"ps16632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erm\u00f6glichen. Ein signifikanter Risiko\u00fcbergang f\u00fcr diese Transaktion wird ab Ende 2021 anerkannt.</span></div><div class=\"ps5026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der JEREMIE-Initiative haben die teilnehmenden Tochtergesellschaften (Raiffeisenbank S.A., Bukarest, und Tatra </span></div><div class=\"ps25668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">banka a.s., Bratislava) Garantien vom Europ\u00e4ischen Investitionsfonds (EIF) erhalten, um die Kreditvergabe an kleine und mittlere </span></div><div class=\"ps2469 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen zu unterst\u00fctzen. Im Jahr 2016 wurde die slowakische JEREMIE-Transaktion \u00fcber einen slowakischen Staatsfonds </span></div><div class=\"ps2470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in eine kapitalgedeckte Kreditgarantie umgewandelt. Der EIF ist nicht mehr Teil dieser Transaktion.</span></div><div class=\"ps2471 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Western Balkans Enterprise Development and Innovation Facility unterzeichnete die Raiffeisenbank Sh.a., </span></div><div class=\"ps2472 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tirana, eine von der EU finanzierte Portfolio-Garantievereinbarung, die wie die JEREMIE-Initiativen darauf abzielt, den Zugang </span></div><div class=\"ps2473 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu Finanzmitteln f\u00fcr kleine und mittlere Unternehmen zu erm\u00f6glichen.</span></div><div class=\"ps25669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der COSME-Initiative unterzeichnete die Raiffeisenbank S.A., Bukarest, im Jahr 2017 eine von der EU finanzierte </span></div><div class=\"ps25670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio-Garantievereinbarung, die wie die JEREMIE-Initiativen darauf abzielt, den Zugang zu Finanzmitteln f\u00fcr kleine und </span></div><div class=\"ps14151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mittlere Unternehmen zu erm\u00f6glichen. Ein signifikanter Risiko\u00fcbergang f\u00fcr diese Transaktion wird ab Ende 2020 anerkannt.<span class=\"f ps24\"> </span></span></div><div class=\"ps25671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der EaSI-Initiative unterzeichnete die Raiffeisenbank S.A., Bukarest, eine von der EU finanzierte Portfolio-</span></div><div class=\"ps25672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Garantievereinbarung, die wie die JEREMIE-Initiativen darauf abzielt, den Zugang zu Finanzmitteln f\u00fcr kleine und mittlere </span></div><div class=\"ps25673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen zu erm\u00f6glichen.</span></div><div class=\"ps13795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die ROOF RCBZ 2023 Transaktion wurde im Laufe des Jahres 2025 beendet.</span></div><div class=\"ps25674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckerstattungsanspr\u00fcche wurden f\u00fcr die ROOF CRE 2019-Transaktion in H\u00f6he von \u20ac 0,4 Millionen, f\u00fcr die ROOF CORPORATE </span></div><div class=\"ps13796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2021-Transaktion in H\u00f6he von \u20ac 36 Millionen, f\u00fcr die ROOF CORPORATE 2022 in H\u00f6he von \u20ac 18 Millionen und f\u00fcr die ROOF </span></div><div class=\"ps13797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CORPORATE 2024 in H\u00f6he von \u20ac 10 Millionen anerkannt, was eine Verschlechterung des zugrunde liegenden Portfolios </span></div><div class=\"ps13798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">widerspiegelt. Der R\u00fcckerstattungsanspruch spiegelt den potenziellen Anspruch gegen den Garanten der Mezzanin-Tranche </span></div><div class=\"ps13799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wider. F\u00fcr die Transaktion ROOF CRE 2019 wurde eine Zahlung in H\u00f6he von \u20ac 5,6 Millionen vom Garanten zur Deckung der </span></div><div class=\"ps13800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verluste in der Mezzanin-Tranche erhalten. F\u00fcr die Transaktion ROOF CORPORATE 2021 wurde eine Zahlung in H\u00f6he von \u20ac 5,7 </span></div><div class=\"ps25675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen vom Garanten zur Deckung von Verlusten in der Mezzanin-Tranche erhalten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-461": {
   "value": "<div class=\"ps20909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(12) Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen<span id=\"i8b41c453d67143c88ed4d7445183e05f\"></span></span></div><div class=\"ps20910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Bilanzposten enth\u00e4lt den Kassenbestand, die Mindestreserve, t\u00e4glich f\u00e4llige Forderungen gegen\u00fcber Zentralbanken und </span></div><div class=\"ps20911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">t\u00e4glich f\u00e4llige Sichteinlagen bei Kreditinstituten.<span class=\"f ps24\"> </span></span></div><div class=\"ps20917 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20912\">3.287<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18460\">3.338<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Guthaben bei Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20913\">21.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20914\">18.486<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Sichteinlagen bei Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20095\">10.122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20915\">13.047<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20916\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20255\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen kam es im Vergleich zum Jahresende zu <span class=\"f ps24\"> </span></span></div><div class=\"ps20919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem Anstieg von \u20ac 469 Millionen auf \u20ac 35.340 Millionen. Der Anstieg in Guthaben bei Zentralbanken (Anstieg: \u20ac 3.445 <span class=\"f ps24\"> </span></span></div><div class=\"ps20920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen), der vorwiegend auf Russland, aufgrund der Umschichtung von kurzfristigen Veranlagungen bei Zentralbanken hin zu </span></div><div class=\"ps20921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">t\u00e4glich f\u00e4llige Einlagen bei der russischen Zentralbank (Anstieg: \u20ac 7.544 Millionen), zur\u00fcckzuf\u00fchren war. Demgegen\u00fcber standen </span></div><div class=\"ps20922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckg\u00e4nge in den Positionen sonstige Sichteinlagen (R\u00fcckgang: \u20ac 2.925 Millionen) und Kassenbestand (R\u00fcckgang: \u20ac 51 Millionen). </span></div><div class=\"ps20923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg in Russland wurde durch die Einbehaltung des Schadenersatzes, der Rasperia Trading Limited in H\u00f6he von \u20ac 2.109 </span></div><div class=\"ps20924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (inklusive Zinsen) zugesprochen wurde, abgeschw\u00e4cht. Die Einbehaltung erfolgte im zweiten Quartal 2025 durch die </span></div><div class=\"ps20925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Belastung des Korrespondenzkontos der AO Raiffeisenbank bei der russischen Zentralbank. Der R\u00fcckgang in sonstigen </span></div><div class=\"ps20926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sichteinlagen bei Kreditinstituten kam aus R\u00fcckg\u00e4ngen in der Konzernzentrale (R\u00fcckgang: \u20ac 2.887 Millionen).</span></div><div class=\"ps20927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter dem Posten Kassenbestand zeigen die Ukraine und Russland insgesamt \u20ac\u00a0922 Millionen. Der Kassenbestand in Russland </span></div><div class=\"ps20928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist im Vergleich zum Vorjahr um \u20ac\u00a0372 Millionen gesunken.</span></div><div class=\"ps15938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum Berichtsstichtag wurden Zahlungsmittel und Zahlungsmittel\u00e4quivalente in H\u00f6he von \u20ac\u00a0770 Millionen (Vorjahr: \u20ac 797 </span></div><div class=\"ps15939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) ausgewiesen, welche gesetzlichen Einschr\u00e4nkungen gem\u00e4\u00df IAS 7.48 unterliegen, sodass die RBI \u00fcber diese Mittel nicht </span></div><div class=\"ps15940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgen kann. Davon entfielen \u20ac 713 Millionen auf Russland und Ukraine<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20929\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-460": {
   "value": "<div class=\"ps20909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(12) Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen<span id=\"i8b41c453d67143c88ed4d7445183e05f\"></span></span></div><div class=\"ps20910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Bilanzposten enth\u00e4lt den Kassenbestand, die Mindestreserve, t\u00e4glich f\u00e4llige Forderungen gegen\u00fcber Zentralbanken und </span></div><div class=\"ps20911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">t\u00e4glich f\u00e4llige Sichteinlagen bei Kreditinstituten.<span class=\"f ps24\"> </span></span></div><div class=\"ps20917 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20912\">3.287<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18460\">3.338<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Guthaben bei Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20913\">21.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20914\">18.486<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Sichteinlagen bei Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20095\">10.122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20915\">13.047<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20916\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20255\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen kam es im Vergleich zum Jahresende zu <span class=\"f ps24\"> </span></span></div><div class=\"ps20919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem Anstieg von \u20ac 469 Millionen auf \u20ac 35.340 Millionen. Der Anstieg in Guthaben bei Zentralbanken (Anstieg: \u20ac 3.445 <span class=\"f ps24\"> </span></span></div><div class=\"ps20920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen), der vorwiegend auf Russland, aufgrund der Umschichtung von kurzfristigen Veranlagungen bei Zentralbanken hin zu </span></div><div class=\"ps20921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">t\u00e4glich f\u00e4llige Einlagen bei der russischen Zentralbank (Anstieg: \u20ac 7.544 Millionen), zur\u00fcckzuf\u00fchren war. Demgegen\u00fcber standen </span></div><div class=\"ps20922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckg\u00e4nge in den Positionen sonstige Sichteinlagen (R\u00fcckgang: \u20ac 2.925 Millionen) und Kassenbestand (R\u00fcckgang: \u20ac 51 Millionen). </span></div><div class=\"ps20923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg in Russland wurde durch die Einbehaltung des Schadenersatzes, der Rasperia Trading Limited in H\u00f6he von \u20ac 2.109 </span></div><div class=\"ps20924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (inklusive Zinsen) zugesprochen wurde, abgeschw\u00e4cht. Die Einbehaltung erfolgte im zweiten Quartal 2025 durch die </span></div><div class=\"ps20925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Belastung des Korrespondenzkontos der AO Raiffeisenbank bei der russischen Zentralbank. Der R\u00fcckgang in sonstigen </span></div><div class=\"ps20926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sichteinlagen bei Kreditinstituten kam aus R\u00fcckg\u00e4ngen in der Konzernzentrale (R\u00fcckgang: \u20ac 2.887 Millionen).</span></div><div class=\"ps20927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter dem Posten Kassenbestand zeigen die Ukraine und Russland insgesamt \u20ac\u00a0922 Millionen. Der Kassenbestand in Russland </span></div><div class=\"ps20928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist im Vergleich zum Vorjahr um \u20ac\u00a0372 Millionen gesunken.</span></div><div class=\"ps15938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum Berichtsstichtag wurden Zahlungsmittel und Zahlungsmittel\u00e4quivalente in H\u00f6he von \u20ac\u00a0770 Millionen (Vorjahr: \u20ac 797 </span></div><div class=\"ps15939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) ausgewiesen, welche gesetzlichen Einschr\u00e4nkungen gem\u00e4\u00df IAS 7.48 unterliegen, sodass die RBI \u00fcber diese Mittel nicht </span></div><div class=\"ps15940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgen kann. Davon entfielen \u20ac 713 Millionen auf Russland und Ukraine<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20929\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-462": {
   "value": "<div class=\"ps20910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieser Bilanzposten enth\u00e4lt den Kassenbestand, die Mindestreserve, t\u00e4glich f\u00e4llige Forderungen gegen\u00fcber Zentralbanken und </span></div>t\u00e4glich f\u00e4llige Sichteinlagen bei Kreditinstituten.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-463": {
   "value": "<div class=\"ps15938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum Berichtsstichtag wurden Zahlungsmittel und Zahlungsmittel\u00e4quivalente in H\u00f6he von \u20ac\u00a0770 Millionen (Vorjahr: \u20ac 797 </span></div><div class=\"ps15939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) ausgewiesen, welche gesetzlichen Einschr\u00e4nkungen gem\u00e4\u00df IAS 7.48 unterliegen, sodass die RBI \u00fcber diese Mittel nicht </span></div><div class=\"ps15940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgen kann. Davon entfielen \u20ac 713 Millionen auf Russland und Ukraine<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps20929\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-465": {
   "value": "<div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:48pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps20955 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-1dbd4d87 ps20954\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1820 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-1dbd4d87 ps20956\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1205\"><div><div class=\"ps516 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20957 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-3e64e966 ps18110\">Brutto-</span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-3e64e966 ps1943\">buchwert</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20959 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps9088\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps20958\">Wertminderungen </span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20961 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps20960\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20962 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps18110\">Brutto-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps1943\">buchwert</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20963 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps9088\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps20958\">Wertminderungen </span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20964 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps20960\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20965 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps12850\">38.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20966 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4136\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20967 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps10738\">38.150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20968 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps17977\">30.836<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20969 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4126\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps20970\">30.783<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20971 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20972 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20973 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20974 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20975 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20976 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20977 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6991\">32.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20979 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20978\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20980 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps223\">31.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20981 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9955\">25.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20982 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10722\">-47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps20983\">25.678<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20985 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">3.872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20986 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20987 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">3.872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20988 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8527\">3.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20989 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20990 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8527\">3.455<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20991 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1445\">1.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20992 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20993 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13163\">1.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20994 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">967<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20995 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20996 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12595\">966<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20997 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps128\">885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20999 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20998\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21000 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13350\">880<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21001 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13308\">683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21002 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps4119\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21003 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21004 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11455\">119.563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21005 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps402\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21006 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps13189\">117.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21007 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps9401\">119.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21008 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18656\">-2.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21009 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11021\">116.919<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21011 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21012 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21013 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21014 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps7132\">13.784<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21015 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21016 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps330\">13.783<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21018 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21017\">3.917<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21019 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18689\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21020 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps191\">3.909<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21021 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19567\">3.816<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21022 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18689\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21023 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8523\">3.807<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21024 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps297\">4.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21026 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21025\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21027 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps169\">4.249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21028 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps18753\">4.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21029 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21025\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21030 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12640\">4.272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21031 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9829\">10.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21032 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10764\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21033 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6740\">9.968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21034 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6995\">10.526<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21036 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21035\">-169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21038 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21037\">10.356<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21040 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21039\">48.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21041 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps8324\">-1.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21042 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10744\">47.320<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21043 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9376\">46.713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21044 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17792\">-1.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21045 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10115\">45.106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21046 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10522\">44.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21048 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21047\">-948<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21049 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps20451\">43.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21050 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps229\">40.564<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21051 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17548\">-970<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21052 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8628\">39.594<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21053 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps7006\">157.739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21054 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps14998\">-2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21056 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps21055\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21057 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11559\">150.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21058 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps7392\">-2.810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21059 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps13339\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert des Postens finanzielle Verm\u00f6genswerte \u2013 Amortized Cost erh\u00f6hte sich im Vergleich zum Jahresende 2024 um </span></div><div class=\"ps21062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">7.807</span><span class=\"f charStyle-9eccfdcb ps21061\"> Millionen. </span></div><div class=\"ps21065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der Schuldverschreibungen um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps21063\">7.367</span><span class=\"f charStyle-9eccfdcb ps21064\"> Millionen resultierte \u00fcberwiegend aus Zuk\u00e4ufen von Staatsanleihen (Anstieg: </span></div><div class=\"ps21067 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">6.317</span><span class=\"f charStyle-9eccfdcb ps21066\"> Millionen), vor allem in der Konzernzentrale (Anstieg: \u20ac\u00a02.265 Millionen), in Tschechien (Anstieg: \u20ac\u00a01.485 Millionen) und in <span class=\"f ps24\"> </span></span></div><div class=\"ps21069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei (Anstieg: \u20ac 731 Millionen). Im Kreditgesch\u00e4ft wurde ein Anstieg um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps21068\">440</span><span class=\"f charStyle-9eccfdcb ps18340\"> Millionen verzeichnet. Der Anstieg der </span></div><div class=\"ps21072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite an Haushalte um \u20ac </span><span class=\"f charStyle-9eccfdcb ps21070\">3.888</span><span class=\"f charStyle-9eccfdcb ps21071\"> Millionen kam haupts\u00e4chlich aus Tschechien und aus der Slowakei (Anstieg: \u20ac 1.455 Millionen </span></div><div class=\"ps21073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. \u20ac 950 Millionen, insbesondere bei Hypothekarkrediten), wobei die anderen L\u00e4nder des Konzerns, mit Ausnahme von </span></div><div class=\"ps21074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland und Polen, ebenfalls eine Steigerung aufwiesen. Bei den Krediten an Nicht-Finanzunternehmen wurde ein Anstieg um </span></div><div class=\"ps21075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac </span><span class=\"f charStyle-9eccfdcb ps1044\">2.214</span><span class=\"f charStyle-9eccfdcb ps1045\"> Millionen verzeichnet. Dabei wurden in nahezu allen L\u00e4ndern des Konzerns Zuw\u00e4chse erzielt, haupts\u00e4chlich in der </span></div><div class=\"ps21076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Slowakei (Anstieg: \u20ac 594 Millionen), in Tschechien (Anstieg: \u20ac 441 Millionen) und in Ungarn (Anstieg: \u20ac 423 Millionen), sowie in der </span></div><div class=\"ps21077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernzentrale (Anstieg: \u20ac 656 Millionen), w\u00e4hrend es in Russland zu einem R\u00fcckgang um \u20ac 590 Millionen kam. Der R\u00fcckgang </span></div><div class=\"ps21080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im kurzfristigen Gesch\u00e4ft um \u20ac </span><span class=\"f charStyle-9eccfdcb ps21078\">5.662</span><span class=\"f charStyle-9eccfdcb ps21079\"> Millionen war vor allem auf Russland zur\u00fcckzuf\u00fchren (R\u00fcckgang: \u20ac 5.121 Millionen), bedingt </span></div><div class=\"ps21081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch Umschichtung von kurzfristigen Veranlagungen bei der russischen Zentralbank in t\u00e4glich f\u00e4llige Einlagen (Guthaben bei </span></div><div class=\"ps21082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zentralbanken).</span></div><div class=\"ps21083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Russland bestehen finanzielle Verm\u00f6genswerte \u2013 Amortized Cost in H\u00f6he von \u20ac\u00a01.779 Millionen (Vorjahr: \u20ac 901 Millionen) aus </span></div><div class=\"ps21084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen von Emittenten lokaler Schuldtitel, die derzeit aufgrund der bestehenden US- und EU-Sanktionen nicht an </span></div><div class=\"ps21085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausl\u00e4ndische Investoren weitergeleitet werden k\u00f6nnen, und daher bei der russischen Agentur f\u00fcr Einlagensicherung (Deposit </span></div><div class=\"ps21086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insurance Agency) deponiert werden m\u00fcssen. Sie stehen der Konzernzentrale zur allgemeinen Verwendung nicht zur Verf\u00fcgung. </span></div><div class=\"ps21087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditportfolio der RBI ist diversifiziert nach Art der Kund:innen, geografischer Region und Industrie. In den folgenden </span></div><div class=\"ps21088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufteilungen der finanziellen Verm\u00f6genswerte \u2013 Amortized Cost nach Gegenpartei ist ersichtlich, dass der Fokus auf </span></div><div class=\"ps21089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kund:innen im Bereich der Nicht-Finanzunternehmen und Haushalte liegt.</span></div><div class=\"ps21608 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21591\">20.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17950\">22.999<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21592\">12.668<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21593\">12.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17364\">6.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1141\">7.310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21594\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18738\">3.009<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21595\">127.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17371\">117.693<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20221\">88.481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18429\">80.467<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21596\">37.629<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21597\">35.703<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20713\">1.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21598\">1.524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20038\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20255\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Gedeckte Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21599\">6.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">514<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20838\">14.188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13931\">15.576<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon wandelbare zusammengesetzte Finanzinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21601\">2.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20130\">13.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19965\">13.215<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21602\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20215\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10096\">170.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21603\">163.316<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21604\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21605\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Leasingverbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">364<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bereich der Verbindlichkeiten gegen\u00fcber Kreditinstituten verringerten sich die Verbindlichkeiten mit vereinbarter Laufzeit </span></div><div class=\"ps21610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere in der Konzernzentrale, um \u20ac 762 Millionen. Der R\u00fcckgang in den R\u00fcckkaufvereinbarungen fand ebenfalls </span></div><div class=\"ps21611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberwiegend in der Konzernzentrale statt. Hier kam es zu einer Reduktion von \u20ac 1.609 Millionen. </span></div><div class=\"ps21612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die kurzfristigen Betr\u00e4ge/Tagesgeldeinlagen gegen\u00fcber Kunden verzeichneten in Tschechien einen erheblichen Anstieg </span></div><div class=\"ps21613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 5.020 Millionen), wobei die Zunahme bei Einlagen von Haushalten am deutlichsten ausfiel. Des Weiteren erh\u00f6hten </span></div><div class=\"ps21614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich die Verbindlichkeiten mit vereinbarter Laufzeit besonders stark in Ungarn (Anstieg: \u20ac 858 Millionen) und in der Slowakei </span></div><div class=\"ps21615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 604 Millionen). </span></div><div class=\"ps21616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gedeckten Schuldverschreibungen erh\u00f6hten sich in der Slowakei aufgrund von eigenen Emissionen um \u20ac 1.052 Millionen. Im </span></div><div class=\"ps21617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegensatz dazu verringerten sich die sonstigen verbrieften Verbindlichkeiten, insbesondere in der Konzernzentrale (R\u00fcckgang: </span></div><div class=\"ps21618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0912 Millionen) aufgrund des Auslaufens diverser Emissionen und in der Slowakei (R\u00fcckgang: \u20ac 313 Millionen) aufgrund der <span class=\"f ps24\"> </span></span></div><div class=\"ps21619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzeitigen Tilgung einer Anleihe. <span class=\"f ps24\"> </span></span></div><div class=\"ps21620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen finanziellen Verbindlichkeiten erh\u00f6hten sich aufgrund von schwebenden Verrechnungen und auszuzahlenden </span></div><div class=\"ps21621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betr\u00e4gen \u00fcberwiegend in Russland um \u20ac 310 Millionen.</span></div><div class=\"ps21622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden nach Asset-Klassen:</span></div><div class=\"ps21627 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20353\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">391<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21624\">3.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21625\">3.104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20240\">20.241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20045\">22.607<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20157\">11.978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17149\">11.403<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19187\">46.163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21626\">43.833<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17382\">65.656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps10756\">59.353<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18498\">148.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9394\">140.692<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verbindlichkeiten gegen\u00fcber Haushalten verzeichneten ihre gr\u00f6\u00dften Anstiege in Tschechien (Anstieg: \u20ac 3.708 Millionen), in </span></div><div class=\"ps21630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei (Anstieg: \u20ac 739 Millionen) und in Rum\u00e4nien (Anstieg: \u20ac 598 Millionen) </span><span class=\"f charStyle-9eccfdcb ps21629\">.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentliche begebene Schuldverschreibungen:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:111pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps30\">Emittent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21631 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">ISIN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21632 ss158\"><div><div class=\"ps516 ss142\"><span class=\"f charStyle-1dbd4d87 ps30\">Typ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9571 ss905\"><div><div class=\"ps516 ss178\"><span class=\"f charStyle-1dbd4d87 ps16306\">W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps775 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps21633\">Nominale in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps5201\">Millionen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11178 ss905\"><div><div class=\"ps516 ss178\"><span class=\"f charStyle-1dbd4d87 ps15140\">Kupon<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps1872\">F\u00e4lligkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-3e64e966 ps12753\">Wahl-</span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-3e64e966 ps3248\">R\u00fcckzahlungstag</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21635 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2579606927<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21636 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21637 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21638 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps436\">1.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21639 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6441\"></span><span class=\"ps6441\">4,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21640 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17230\">26.01.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21642 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21641\">26.01.2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21643 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">AT000B015714<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21644 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior private Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21645 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21646 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps501\">800<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11184 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21647 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1923\">17.04.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21648 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21649 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2055627538<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21650 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21651 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21653 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21652\">750<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21654 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5914\"></span><span class=\"ps5914\">0,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21655 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6033\">25.09.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21656 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">TBSK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21657 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">SK4000026043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21658 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21659 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21661 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21660\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21662 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11460\"></span><span class=\"ps11460\">2,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21663 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5188\">09.10.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21664 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">TBSK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21665 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">SK4000027389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21666 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21667 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21668 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21660\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21669 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11460\"></span><span class=\"ps11460\">2,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21670 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps19916\">27.05.2030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18687 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2596528716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21672 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21673 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21674 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21675 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21676 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1599\">16.03.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18691 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21677 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2537097409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21678 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21679 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21680 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21681 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9269\"></span><span class=\"ps9269\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21682 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8219\">28.09.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18696 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21683 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2481491160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21684 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21685 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21686 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21687 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1909\"></span><span class=\"ps1909\">1,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21688 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8211\">24.05.2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18700 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21689 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2626022656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21690 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21691 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21692 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21693 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1227\"></span><span class=\"ps1227\">3,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21694 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7493\">27.09.2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18702 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21695 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2435783613<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21696 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21697 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21698 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21699 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1907\"></span><span class=\"ps1907\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21700 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9422\">26.01.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18705 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21701 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2547936984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21702 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21703 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21704 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21705 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17193\"></span><span class=\"ps17193\">5,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21706 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17288\">27.01.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21707 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2682093526<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21709 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21710 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21711 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21712 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9590\"></span><span class=\"ps9590\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21713 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13556\">15.09.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8540\">15.09.2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21715 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2765027193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21716 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21717 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21718 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11206 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12869\"></span><span class=\"ps12869\">4,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21719 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9422\">21.08.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21720 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12818\">21.08.2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21721 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2086861437<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21722 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21723 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21724 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21725 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1907\"></span><span class=\"ps1907\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21726 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21267\">03.12.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21727 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21728 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2893858352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21729 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21730 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21731 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21732 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21733 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21215\">03.01.2030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21734 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps355\">03.01.2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21735 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2826609971<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21736 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21737 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21738 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21739 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12932\"></span><span class=\"ps12932\">4,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21740 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17785\">31.05.2030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21741 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9896\">31.05.2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21742 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS3166786619<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21743 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21744 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21745 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21747 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21746\"></span><span class=\"ps21746\">3,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21748 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps11079\">27.08.2031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12769\">27.08.2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">TBSK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21750 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">SK4000027918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21751 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21752 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21753 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21754 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9269\"></span><span class=\"ps9269\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21755 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9335\">11.09.2031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS3004031822<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21758 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21759 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21760 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21761 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21746\"></span><span class=\"ps21746\">3,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21762 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1923\">18.02.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps449\">18.02.2031<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21764 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2189786226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21765 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21766 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21767 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21768 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9269\"></span><span class=\"ps9269\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21769 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps2053\">18.06.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21771 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21770\">18.06.2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21772 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2534786590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21773 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21774 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21775 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21776 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9226\"></span><span class=\"ps9226\">7,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21777 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10262\">20.12.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps231\">20.09.2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2353473692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21780 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21781 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21782 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21783 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17288\"></span><span class=\"ps17288\">1,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21784 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10631\">17.06.2033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8533\">17.03.2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS3227928911<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21787 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21788 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21789 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21790 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21791 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps11402\">13.11.2033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19400\">13.11.2032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21793 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2904849879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21794 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21795 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21796 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21797 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21746\"></span><span class=\"ps21746\">5,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21798 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17777\">02.01.2035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1555\">02.10.2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Berichtsperiode beliefen sich die Aufwendungen f\u00fcr nachrangige Verbindlichkeiten auf \u20ac 91 Millionen (Vorjahr: \u20ac\u00a077 </span></div><div class=\"ps21801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen). </span></div><div class=\"ps21802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung der nachrangigen finanziellen Verbindlichkeiten der Bewertungskategorien Amortized Cost und Designated Fair </span></div><div class=\"ps21803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value Through Profit/Loss:</span></div><div class=\"ps21807 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:381.75pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">2.167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">94<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20208\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17413\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21806\">-194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17516\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21853 ss0\"><div class=\"ss1231 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13344\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21814 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1081\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps9088\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21375 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21816\">Fair Value<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21817 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps2094\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19395 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11191\">Differenz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17674 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21819 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21820 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21821 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21822 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps21818\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19412 ss1230\"><div><div class=\"ps516 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12736 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21823\">33.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13222 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps10459\">1.947<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17959 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21824\">119.632<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21825 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5943\">155.028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21826 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps3158\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19585 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1654\">-481<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12745 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps6818\">33.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13233 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21641\">1.947<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17965 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps8533\">2.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps6990\">38.026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21828 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps3117\">38.150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19429 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps19400\">-124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12756 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13244 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18613\">117.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18613\">117.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21831 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11470\">117.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19436 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11549\">-356<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12777 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8722\">1.145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13269 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps12707\">18.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7023\">150.990<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21833 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1476\">171.086<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21834 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13100\">170.225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21835 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16896\">861<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13282 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21836 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">148.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">148.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12461\">147.849<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21840 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21839\">479<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12795 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13577\">1.145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps20487\">18.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21841 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps184\">1.375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21842\">21.471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21844 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps1604\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21845 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21839\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12803 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21847 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21849 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps21846\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19794 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1232\"><div><div class=\"ps3120 ss1231\"><span class=\"f charStyle-2babd150 ps30\">1 Gem\u00e4\u00df IFRS 7 sind Leasingverbindlichkeiten nicht enthalten.<span class=\"f ps24\"> </span></span></div><div class=\"ps21850 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level I Notierte Marktpreise<span class=\"f ps24\"> </span></span></div><div class=\"ps21851 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level II Auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div><div class=\"ps21852 ss1231\"><span class=\"f charStyle-2babd150 ps30\">Level III Nicht auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21866 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps534\">Fair Value<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1664\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps21854\">Differenz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17674 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17675 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17677 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16646 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17678 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps21855\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17679 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12736 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12766\">26.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21856 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6493\">1.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17163 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps9403\">118.021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21857 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6462\">146.530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12455\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21858 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps7196\">-1.171<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12745 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21859\">26.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21860 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19568\">1.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17171 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">1.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1608\">30.473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17173 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16642\">30.783<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21862\">-310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12756 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17692 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17693 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21864\">116.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17694 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21864\">116.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17696 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8907\">116.919<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17765\">-862<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12472\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18025\">18.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11488\">143.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11462\">162.361<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps11547\">162.951<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps13003\">-590<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12470\">139.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12470\">139.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11446\">140.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps297\">-889<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12795 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21865\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17717 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10573\">18.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17718 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">1.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17719 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps330\">21.301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17720 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12445\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17721 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1623\">298<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12803 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17723 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17724 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17725 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11525 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6246\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11527 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1233\"><div><div class=\"ps3120 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Gem\u00e4\u00df IFRS 7 sind Leasingverbindlichkeiten nicht enthalten.<span class=\"f ps24\"> </span></span></div><div class=\"ps21850 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level I Notierte Marktpreise<span class=\"f ps24\"> </span></span></div><div class=\"ps21851 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level II Auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div><div class=\"ps21852 ss7\"><span class=\"f charStyle-2babd150 ps30\">Level III Nicht auf Marktdaten basierende Bewertungsmethoden<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21953 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20235\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21914\">4.255<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21921\">3.532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21925\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20258\">3.517<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21928\">573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21933\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21940\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21948\">4.506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20712\">4.486<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21964 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20737\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21956\">3.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1186\">2.207<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20625\">685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21959\">680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21960\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21961\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20162\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21962\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21963\">3.610<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert des Postens finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income erh\u00f6hte sich im </span></div><div class=\"ps21966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleich zum Jahresende 2024 um \u20ac 876 Millionen auf \u20ac 4.486 Millionen, vorwiegend durch den Kauf von Staatsanleihen in </span></div><div class=\"ps21967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rum\u00e4nien, Tschechien und der Ukraine, teilweise kompensiert durch den Verkauf von Staatsanleihen in Ungarn.</span></div><div class=\"ps21853 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20644\">410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20142\">399<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22083\">22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22084\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21956\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22085\">277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">187<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21539\">636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">476<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21542\">1.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17356\">1.094<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span id=\"i9e39870f126b4d3abb3606a2f1378d15\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18729\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22140\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22141\">2.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22142\">2.318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22143\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21962\">440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22144\">646<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20568\">523<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20120\">453<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20784\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13368\">54<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1188\">258<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20543\">3.330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">2.087<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">2.827<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22146\">1.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22148\">7.230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22149\">5.945<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Innerhalb des Postens finanzielle Verm\u00f6genswerte \u2013 Held for Trading betrugen die als Sicherheit gestellten Wertpapiere, zu </span></div><div class=\"ps22151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deren Verkauf oder Verpf\u00e4ndung der Empf\u00e4nger berechtigt ist, \u20ac\u00a064 Millionen (Vorjahr: \u20ac\u00a0462 Millionen). Der Anstieg der </span></div><div class=\"ps22152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldverschreibungen resultierte vorwiegend aus Zuk\u00e4ufen von Staatsanleihen in der Konzernzentrale.</span></div><div class=\"ps22203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(21) Finanzielle Verbindlichkeiten - Held For Trading<span id=\"ifa141fd734e04692b3bc7a3f4ebda254\"></span></span></div><div class=\"ps22208 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21500\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17181\">3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20842\">2.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22204\">2.265<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">598<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22207\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22029\">992<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps12533\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21460\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18459\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20137\">9.304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Derivate kam es zu einer Reduktion, welche auf Bewertungseffekte und Wechselkursschwankungen, insbesondere </span></div><div class=\"ps14852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei Zins- und Fremdw\u00e4hrungsderivaten in der Konzernzentrale, zur\u00fcckzuf\u00fchren ist. Im Posten Verbriefte Verbindlichkeiten kam </span></div><div class=\"ps14853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es hingegen zu einem Anstieg in der Konzernzentrale, welcher auf die Erh\u00f6hung der Hybriden Vertr\u00e4ge zur\u00fcckzuf\u00fchren ist. </span></div><div class=\"ps885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betreffend der Bewertungsgrunds\u00e4tze wird auf den Punkt </span><span class=\"f charStyle-9eccfdcb ps22209\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading</span><span class=\"f charStyle-9eccfdcb ps22210\"> verwiesen</span><span class=\"f charStyle-9eccfdcb ps22211\">.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die in der Bilanz zum Fair Value ausgewiesenen Finanzinstrumente werden in den folgenden Tabellen nach Bilanzposten </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gegliedert dargestellt. </span></span></div><div class=\"ps4827 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps17662 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22535\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22536\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps7134\">3.685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps6452\">3.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19576\">2.289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11505 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps10656\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22538\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9379\">3.376<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16646 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17678 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10605\">3.402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12572\">502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12621\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16651 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps415\">449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22539\">3.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17771\">147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16658 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22540\">1.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17690 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22541\">239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22334\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22543 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22542\">357<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22544 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22537\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19931 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps431\">979<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16664 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps7448\">327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22546 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22545\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22547 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17774\">733<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12765 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17698 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17699 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17700 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17701 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15110\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17703 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6030\">356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17686\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22541\">326<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15648\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17739\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22548\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17774\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12795 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12637\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17717 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17259\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17718 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17719 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12629\">286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17720 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17721 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22549 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16900\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13533 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22537\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17226 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22550 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1623\">286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17229 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18584\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22551 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22552 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps6047\">3.350<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13539 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps12472\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17236 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22553\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22554 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps7125\">2.645<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11530 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps6729\">693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11531 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps17761\">272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22555 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18491\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13545 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22557 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17737\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22558 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22559 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12601\">181<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22560 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7175\">3.317<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13551 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21865\">854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22561 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22292\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22562 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10879\">2.615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22563 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22542\">693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22564 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7986\">91<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22565 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13557 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps355\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22566 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22567 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22568 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps9443\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22569 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22576 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps17662 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22535\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps22536\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1089\">Level I<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps18676\">Level II<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17560\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps10658\">1.309<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1593\">9.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12608\">991<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11505 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps22570\">8.313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17695\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps20501\">2.782<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16646 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17676\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17678 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps80\">3.031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8547\">1.305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17686\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16651 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16894\">988<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps340\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16658 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17690 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8538\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps102 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22543 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22544 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19931 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16664 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22546 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22547 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1143\"><div><div class=\"ps1485 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzielle Verbindlichkeiten - Designated Fair Value <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22571 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22572 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps10112\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19938 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22573 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22574 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps216\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22575 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12777 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17705 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12548\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17707 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17709 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17710 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps5662\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1533 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12786 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17712 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8523\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17713 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17714 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17716 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps13131\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps9814 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12795 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17717 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps16896\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17718 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17719 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17720 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1681\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17721 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps19196\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22708 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22703\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps39 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22704\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps47 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps48 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps49 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps53 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps55 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps57 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps59 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps61 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps63 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17739\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps68 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22705\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps70 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps72 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18510\">689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps74 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15179\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps76 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17995\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps81 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps85 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22706\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps87 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps89 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Effekt in der Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps92 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps94 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17557\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps96 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17792\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps98 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps99 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19196\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps101 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps22707\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22714 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22703\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps39 ss1138\"><div><div class=\"ps31 ss1134\"><span class=\"f charStyle-1dbd4d87 ps22704\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps47 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps48 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17777\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps49 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps17297\">Fair-Value-\u00c4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps53 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps55 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps57 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps59 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6989\">Level III<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps61 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21252\">Positive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps63 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1830\">Negative<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17253\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps68 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18379\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps70 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22298\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps72 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17780\">91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps74 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18494\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps76 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18777\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps81 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17780\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22710\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps85 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22711\">181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps87 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22712\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps89 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21885\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Effekt im sonstigen Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps92 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps94 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17548\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps96 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps22713\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps98 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10735\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps99 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17234\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps101 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19686\">-14<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-466": {
   "value": "<div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:48pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps20955 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-1dbd4d87 ps20954\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1820 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-1dbd4d87 ps20956\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1205\"><div><div class=\"ps516 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20957 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-3e64e966 ps18110\">Brutto-</span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-3e64e966 ps1943\">buchwert</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20959 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps9088\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps20958\">Wertminderungen </span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20961 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps20960\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20962 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps18110\">Brutto-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps1943\">buchwert</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20963 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps9088\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps20958\">Wertminderungen </span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20964 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps20960\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20965 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps12850\">38.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20966 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4136\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20967 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps10738\">38.150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20968 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps17977\">30.836<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20969 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4126\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps20970\">30.783<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20971 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20972 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20973 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20974 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20975 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20976 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20977 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6991\">32.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20979 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20978\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20980 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps223\">31.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20981 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9955\">25.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20982 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10722\">-47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps20983\">25.678<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20985 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">3.872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20986 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20987 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">3.872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20988 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8527\">3.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20989 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20990 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8527\">3.455<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20991 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1445\">1.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20992 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20993 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13163\">1.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20994 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">967<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20995 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20996 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12595\">966<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20997 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps128\">885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20999 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20998\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21000 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13350\">880<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21001 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13308\">683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21002 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps4119\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21003 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21004 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11455\">119.563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21005 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps402\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21006 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps13189\">117.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21007 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps9401\">119.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21008 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18656\">-2.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21009 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11021\">116.919<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21011 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21012 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21013 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21014 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps7132\">13.784<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21015 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21016 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps330\">13.783<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21018 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21017\">3.917<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21019 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18689\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21020 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps191\">3.909<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21021 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19567\">3.816<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21022 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18689\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21023 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8523\">3.807<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21024 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps297\">4.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21026 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21025\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21027 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps169\">4.249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21028 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps18753\">4.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21029 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21025\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21030 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12640\">4.272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21031 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9829\">10.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21032 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10764\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21033 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6740\">9.968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21034 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6995\">10.526<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21036 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21035\">-169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21038 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21037\">10.356<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21040 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21039\">48.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21041 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps8324\">-1.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21042 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10744\">47.320<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21043 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9376\">46.713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21044 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17792\">-1.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21045 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10115\">45.106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21046 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10522\">44.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21048 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21047\">-948<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21049 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps20451\">43.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21050 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps229\">40.564<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21051 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17548\">-970<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21052 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8628\">39.594<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21053 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps7006\">157.739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21054 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps14998\">-2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21056 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps21055\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21057 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11559\">150.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21058 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps7392\">-2.810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21059 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps13339\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Kumulierte Wertminderungen</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21181\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">-40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21183\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1644\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18600\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10522\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9403\">-119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8719\">-17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21186\">-135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13521\">-246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21187\">-775<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13345\">-194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21189\">-266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1909\">-1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21190\">-114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21191\">-203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13568\">-612<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10738\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13547\">-106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13313\">-227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21192\">-615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10522\">-22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Hypothekar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8719\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21193\">-67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11429\">-134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21181\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21194\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21192\">-156<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11329\">-13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21195\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9095\">-463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1439\">-1.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps8907\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9251\">-353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21196\">-527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21197\">-1.850<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps10417\">-81<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Kumulierte Wertminderungen</span></div><div class=\"ps21262 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11975\">-90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18551\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13224\">-391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21247\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10773\">-111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">-182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12458\">-418<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10744\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9071\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11958\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11429\">-134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1564\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11958\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8733\">-120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1564\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1608\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11329\">-31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13440\">-62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21249\">-49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21250\">-155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1644\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10655\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps292\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21186\">-153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6985\">-88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17575\">-130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18031\">-360<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21247\">-41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8733\">-102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21186\">-124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21251\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">-40<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">-40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12960\">-140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10655\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">-39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12458\">-148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10744\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10591\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21252\">-172<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3115\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21253\">-175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10630\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10591\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21252\">-172<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3115\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21253\">-175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10630\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11958\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21220 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7187\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21222 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21193\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21224 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13224\">-163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21226 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich und andere</span><span class=\"f charStyle-ef1a5293 ps21227\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21115\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21229 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8733\">-102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9300\">-388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10758\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9612 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10655\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13313\">-722<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10522\">-22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21254 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21195\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21255 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9095\">-463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1439\">-1.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21257 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps8907\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21258 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9251\">-353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21196\">-527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21260 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21197\">-1.850<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21261 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps10417\">-81<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"9\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-073efae3 ps30\">1 \u00d6sterreich beinhaltet im Wesentlichen das Gesch\u00e4ft der Konzernzentrale und der Raiffeisen Bausparkasse Gesellschaft m.b.H. Andere inkludiert auch allf\u00e4llige Konsolidierungseffekte.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21284 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entwicklung der Wertminderungen<span id=\"i73c8bdafc56f4f0ba283dfc63826c3be\"></span></span></div><div class=\"ps21285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung der Wertminderungen auf Forderungen und Schuldverschreibungen der Bewertungskategorie finanzielle </span></div><div class=\"ps21286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte \u2013 Amortized Cost, der Bewertungskategorie finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other </span></div><div class=\"ps21287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Comprehensive Income sowie auf sonstige Sichteinlagen bei Kreditinstituten:</span></div><div class=\"ps21368 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:190.5pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps35 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1538\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21288 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps193\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21289 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1575\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21290 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18491\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21291\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1216\"><div><div class=\"ps5427 ss1215\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps47 ss266\"><div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21293\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps21294\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21296 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21297 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21299 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps20171\">407<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21300 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18709\">529<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21302 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps21301\">1.854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21303 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps17388\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21305 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21304\">2.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4812 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21306 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps17232\">290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21307 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18468\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21308 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps10792\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21309 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21310 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps12721\">367<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21311 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps19611\">-92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21312 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps8839\">-81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21313 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps18683\">-397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21314 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps18526\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21315 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps1437\">-579<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21316 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps3169\">-241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21317 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10482\">-83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21318 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps18709\">394<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21320 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21321 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps6983\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund von Modifikationen ohne Ausbuchungen (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21322 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21323 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21325 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21324\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21326 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21327 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps17480\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21328 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21329 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20079\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21330 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps7838\">-449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21331 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21332 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps9781\">-454<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21333 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21334 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21335 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21336 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21337 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21338 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21339 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21340 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21341 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21342 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21343 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps20055\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21344 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18517\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21346 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21345\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21347 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21349 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21348\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21351 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps21350\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21352 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps15181\">464<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21354 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps21353\">1.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21356 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps21355\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21357 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps11322\">2.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21358 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps7761\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21359 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21360 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps1133\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21361 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21362 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps17261\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps1864\">davon sonstige Sichteinlagen bei Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21363 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21364 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21365 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21366 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21367 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21369 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps6365\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps191\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21370\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21290 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18491\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21291\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1219\"><div><div class=\"ps5427 ss1218\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21372 ss1220\"><div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps3000\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps21371\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21374 ss1220\"><div><div class=\"ps5430 ss173\"><span class=\"f charStyle-1dbd4d87 ps11049\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps21373\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps13493\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21375 ss1220\"><div><div class=\"ps5430 ss173\"><span class=\"f charStyle-1dbd4d87 ps11049\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps21373\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps13493\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18116\">372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4134\">978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17259\">1.673<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21303 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps10482\">107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21305 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps11302\">3.130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4812 ss1221\"><div><div class=\"ps31 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21379 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17891\">308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21380\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13436 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps19948\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21309 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21310 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps13135\">450<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1221\"><div><div class=\"ps31 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21382 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps15180\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21384 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21383\">-268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21385 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps18401\">-273<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21314 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps9585\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21315 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps17193\">-692<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1221\"><div><div class=\"ps31 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21386 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps15181\">-129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13496 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17800\">-275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21388 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps21387\">710<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21320 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps10792\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21321 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps9101\">320<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund von Modifikationen ohne Ausbuchungen (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13502 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21390 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17447\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21326 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21327 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps12431\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21391 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17418\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21393 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17437\">-241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21331 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21394\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21332 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21395\">-251<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21396 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10908 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21336 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21337 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps13351\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21398 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17418\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13519 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17453\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17466\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21341 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21342 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps9119\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21400 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps10125\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13527 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17364\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17902\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21347 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21402\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21349 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps9306\">-30<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps9395\">407<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13534 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps10098\">529<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21404\">1.854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21356 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps17388\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21357 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21304\">2.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21407 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21406\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17386\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17386\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21361 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21362 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21409\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps1864\">davon sonstige Sichteinlagen bei Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21410 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21411 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17367\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21366 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21367 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps7000\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21953 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20235\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21914\">4.255<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21921\">3.532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21925\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20258\">3.517<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21928\">573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21933\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21940\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21948\">4.506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20712\">4.486<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21964 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20737\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21956\">3.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1186\">2.207<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20625\">685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21959\">680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21960\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21961\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20162\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21962\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21963\">3.610<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_820\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(31) Erwartete Kreditverluste<span id=\"i0ac5696eeaa542c39c86ba643e364632\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erwarteten Kreditverluste aus einem Finanzinstrument sind so zu bemessen, dass sie einen unverzerrten und </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlichkeitsgewichteten Betrag darstellen, der durch Auswertung einer Reihe verschiedener m\u00f6glicher Ergebnisse </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt wird, dem Zeitwert des Geldes und angemessenen und belastbaren Informationen entsprechen, die zum </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschlussstichtag ohne unangemessenen Kosten- oder Zeitaufwand \u00fcber vergangene Ereignisse, gegenw\u00e4rtige Bedingungen <span class=\"f ps24\"> </span></span></div><div class=\"ps902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Prognosen k\u00fcnftiger wirtschaftlicher Bedingungen verf\u00fcgbar sind. </span></div><div class=\"ps24488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Allgemeine Vorgehensweise<span id=\"i3ca92d1930064779a881dc62512116a8\"></span></span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bemessung der Wertminderungen f\u00fcr erwartete Kreditverluste finanzieller Verm\u00f6genswerte \u2013 Amortized Cost bzw. </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income ist die Anwendung von Modellen und </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognosen \u00fcber k\u00fcnftige wirtschaftliche Bedingungen und \u00fcber zuk\u00fcnftiges Zahlungsverhalten erforderlich. Bei der Berechnung </span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteter Kreditverluste sind Ermessensentscheidungen erforderlich, und zwar unter anderem bei der:</span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Festlegung der Kriterien f\u00fcr eine signifikante Erh\u00f6hung des Kreditrisikos</span></div><div class=\"ps4929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Auswahl geeigneter Modelle und Annahmen f\u00fcr die Berechnung erwarteter Kreditverluste</span></div><div class=\"ps24493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ber\u00fccksichtigung von Risiken, die von den Modellen nicht angemessen abgebildet werden</span></div><div class=\"ps15363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Bestimmung der Anzahl und relativen Gewichtung zukunftsorientierter Szenarien</span></div><div class=\"ps24494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zusammenfassung von Finanzinstrumenten anhand von gemeinsamen Ausfallrisikoeigenschaften in Gruppen mit </span></div><div class=\"ps24495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">dem Zweck der Berechnung erwarteter Kreditverluste.</span></div><div class=\"ps24496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisiko ist das Risiko, finanzielle Verluste zu erleiden, falls Kund:innen oder Kontrahent:innen den vertraglichen </span></div><div class=\"ps24497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen nicht oder nicht rechtzeitig nachkommen. Kreditrisiken ergeben sich haupts\u00e4chlich aus Interbanken-, <span class=\"f ps24\"> </span></span></div><div class=\"ps24498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenkunden- und Verbraucherkrediten sowie aus gew\u00e4hrten Kreditzusagen. Sie k\u00f6nnen ferner aus gegebenen </span></div><div class=\"ps24499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzgarantien, z. B. Kreditb\u00fcrgschaften, Akkreditiven und Akzepten, entstehen.</span></div><div class=\"ps24500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Kreditrisiken ergeben sich aus Veranlagungen in Schuldtiteln und aus Handelsaktivit\u00e4ten (Handelskreditrisiken), sowie </span></div><div class=\"ps24501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Verrechnungssalden mit Gegenparteien und aus Reverse-Repo-Gesch\u00e4ften. </span></div><div class=\"ps24502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle werden herangezogen, um die Eintrittswahrscheinlichkeit von Ausf\u00e4llen (PD), die damit verbundenen Verlustquoten </span></div><div class=\"ps24503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(LGD) und dem ausstehenden Betrag zum Zeitpunkt des Ausfalls (EAD) zu sch\u00e4tzen. Zus\u00e4tzlich zu bestehenden, historisch </span></div><div class=\"ps24504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">belastbar modellierten Risiken entstehen neue Risiken - wie zum Beispiel geopolitische Unsicherheiten, Risiken im </span></div><div class=\"ps24505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit der Energieversorgung sowie Umweltrisiken. Diese Risiken k\u00f6nnen aufgrund unzureichender historischer <span class=\"f ps24\"> </span></span></div><div class=\"ps24506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten nicht durch bestehende statistische Modelle erfasst werden. Um jedoch eine angemessene Risikovorsorge zu </span></div><div class=\"ps24507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten, werden diese Risiken \u00fcber Management Overlays in die ECL-Berechnung einbezogen. Sie lassen sich </span></div><div class=\"ps24508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenderma\u00dfen unterteilen: </span></div><div class=\"ps24509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Overlays: Hierbei handelt es sich um Anpassungen, die au\u00dferhalb des Modells vorgenommen werden, d. h. nach der </span></div><div class=\"ps24510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellanwendung. Post-Model-Adjustments (PMA) fallen in diese Kategorie. </span></div><div class=\"ps24511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">In-Model Adjustments: Hierbei handelt es sich um Anpassungen, die innerhalb des IFRS 9 Modells erfolgen. Dies </span></div><div class=\"ps24512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">umfasst die Anpassung von Modellinputs, Modellparametern oder Ad-hoc-Anpassungen des Modells und der </span></div><div class=\"ps24513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellkalibrierung (wobei die \u00c4nderung von Modellparametern wie LGD und PD durch die Einbeziehung </span></div><div class=\"ps24514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zukunftsgerichteter makro\u00f6konomischer Informationen nicht als Management Overlay gilt). </span></div><div class=\"ps24515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ESG-Faktoren sind in der ECL-Modellierung noch nicht explizit inkludiert. Sie flie\u00dfen jedoch \u00fcber Overlays in die Berechnung ein. </span></div><div class=\"ps24516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Signifikante Erh\u00f6hung des Kreditrisikos<span id=\"i20151d17f4eb4957b50e0c48db2e7c07\"></span></span></div><div class=\"ps24517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI sieht die Erh\u00f6hung des Kreditrisikos eines Finanzinstruments dann als signifikant an, wenn eines oder mehrere der </span></div><div class=\"ps24518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden quantitativen, qualitativen oder Backstop-Kriterien erf\u00fcllt sind: </span></div><div class=\"ps24519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Quantitative Kriterien<span id=\"i9c29486dd8044f918915448813775d9f\"></span></span></div><div class=\"ps24520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den Rating-Systemen der RBI werden die verf\u00fcgbaren quantitativen und qualitativen Informationen mit Relevanz f\u00fcr die </span></div><div class=\"ps24521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognose des Kreditrisikos zur PD verdichtet. Dieser Gr\u00f6\u00dfe liegen insbesondere eine statistisch fundierte Auswahl und </span></div><div class=\"ps24522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtung aller verf\u00fcgbaren Indikatoren zugrunde. Weiterhin flie\u00dfen in der gem\u00e4\u00df den IFRS-9-Anforderungen adjustierten PD </span></div><div class=\"ps24523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">neben historischen Informationen und dem aktuellen wirtschaftlichen Umfeld insbesondere auch zukunftsorientierte </span></div><div class=\"ps24524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen, wie z. B. die Prognose der Entwicklung der makro\u00f6konomischen Rahmenbedingungen, ein. Folgerichtig </span></div><div class=\"ps23766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verwendet die RBI die PD als Messgr\u00f6\u00dfe f\u00fcr die Beurteilung, ob sich das Kreditrisiko eines Finanzinstruments gegen\u00fcber dem </span></div><div class=\"ps24525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt signifikant erh\u00f6ht hat. Durch die Verankerung der \u00dcberpr\u00fcfung des relativen Transferkriteriums in den </span></div><div class=\"ps24526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konzernweit etablierten Verfahren und Prozessen des Kreditrisikomanagements wird eine zuverl\u00e4ssige und zeitnahe <span class=\"f ps24\"> </span></span></div><div class=\"ps24527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Identifikation signifikanter Risikoerh\u00f6hungen sichergestellt. Die \u00dcberpr\u00fcfung, ob am Berichtsstichtag eine signifikante Erh\u00f6hung </span></div><div class=\"ps24528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Ausfallrisikos gegen\u00fcber dem Zugangszeitpunkt des betreffenden Finanzinstruments vorliegt, erfolgt zum Berichtsstichtag </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">grunds\u00e4tzlich durch einen Vergleich der beobachteten Ausfallwahrscheinlichkeit \u00fcber die Restlaufzeit des Finanzinstruments </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Lifetime-PD) mit der im Zugangszeitpunkt erwarteten Lifetime-PD \u00fcber denselben Zeitraum. Aufgrund der unterschiedlichen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Natur der Produkte von Non-Retail- und Retail-Kund:innen unterscheiden sich die Methoden zur Bestimmung einer signifikanten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos geringf\u00fcgig. </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um die zwei Kurven f\u00fcr das Kreditrisiko von Non-Retail-Kund:innen vergleichbar zu machen, werden die PDs zu annualisierten </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">PDs reduziert. Ein relativer Anstieg der PD um mindestens 250 Prozent wird als signifikante Erh\u00f6hung des Kreditrisikos </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interpretiert. Bei l\u00e4ngeren Laufzeiten wird die Schwelle von 250 Prozent reduziert, um den Laufzeiteffekt zu ber\u00fccksichtigen. </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Retail-Forderungen werden die kumulierten Restlaufzeit-PDs verglichen. Dabei wird, bedingt auf das \u00dcberleben bis zum </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stichtag, die Logit-Differenz (i.e. Logit ist in der Statistik der nat\u00fcrliche Logarithmus einer Chance) zwischen der Lifetime-PD </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Stichtag und der Lifetime-PD zum urspr\u00fcnglichen Buchungszeitpunkt verglichen. Hierbei wird im Allgemeinen dann von </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem signifikanten Anstieg des Kreditrisikos ausgegangen, wenn ein relativer Anstieg der kumulierten Restlaufzeit-PD \u00fcber </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Schwellenwert liegt. Die Schwellenwerte werden getrennt f\u00fcr jedes Portfolio, das durch individuelle </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratingbasierte Lifetime-PD-Modelle abgedeckt wird, berechnet. Dabei werden die Schwellenwerte basierend auf historischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten als ein bestimmtes Quantil der Verteilung der oben genannten Logit-Differenzen auf das sich verschlechternde Portfolio <span class=\"f ps24\"> </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(gruppiert nach L\u00e4ndern und Produkten wie Hypothekarkredite, Kreditkarten und SME-Kredite) gesch\u00e4tzt. Das bedeutet in der </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regel eine vom Ausfallverhalten der verschiedenen Portfolios abh\u00e4ngige PD-Erh\u00f6hung zwischen 150 und 250 Prozent.</span></div><div class=\"ps24530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualitative Kriterien<span id=\"id9af93b40f6f4528999e37eb8eed006b\"></span></span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet f\u00fcr alle wesentlichen Portfolios zus\u00e4tzlich zu quantitativen Kriterien auch qualitative, um eine signifikante </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos eines Finanzinstruments festzustellen. </span></div><div class=\"ps3372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, Kreditinstitute und Projektfinanzierung findet ein Transfer in </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 2 statt, wenn den Kreditnehmer eines oder mehrere der folgenden Kriterien betreffen: </span></div><div class=\"ps24531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erkennung einer Verschlechterung der Kreditw\u00fcrdigkeit im Early-Warning-System</span></div><div class=\"ps24532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen von Vertragsbedingungen im Rahmen einer Forbearance-Ma\u00dfnahme</span></div><div class=\"ps24534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Externe Risikofaktoren mit einem potenziell signifikanten Einfluss auf die R\u00fcckzahlungsf\u00e4higkeit der </span><span class=\"f charStyle-9eccfdcb ps24533\">Kund:innen</span></div><div class=\"ps24535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, </span></div><div class=\"ps24537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitute und Projektfinanzierung durchgef\u00fchrt. </span></div><div class=\"ps24538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Retail-Portfolios wird ein Stage-2-Transfer auf Basis folgender qualitativer Kriterien durchgef\u00fchrt, das hei\u00dft, wenn der </span></div><div class=\"ps24539 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmer eines oder mehrere der folgenden Kriterien erf\u00fcllt: </span></div><div class=\"ps24540 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Forbearance Flag aktiv</span></div><div class=\"ps24541 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ausfall eines materiellen Exposures (&gt;20 Prozent vom Gesamtexposure) derselben Kund:innen auf einem anderen </span></div><div class=\"ps24542 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Produkt (PI Segment)</span></div><div class=\"ps24543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Holistic Approach \u2013 anwendbar f\u00fcr F\u00e4lle, in denen neue zukunftsorientierte Informationen f\u00fcr ein Segment oder einen </span></div><div class=\"ps24544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Teil des Portfolios verf\u00fcgbar werden und diese Informationen noch nicht im Ratingsystem erfasst sind. Bei </span></div><div class=\"ps24545 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Identifikation solcher F\u00e4lle bewertet das Management dieses Portfolio mit den \u00fcber die gesamte Laufzeit </span></div><div class=\"ps24546 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">erwarteten Kreditverlusten (als kollektive Bewertung).</span></div><div class=\"ps24547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Retail-Kundenportfolios durchgef\u00fchrt. </span></div><div class=\"ps24549 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Backstop Kriterien<span id=\"ieab3601c46a840f78ffd363ad323dbf9\"></span></span></div><div class=\"ps4911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Backstop wird angewendet und eine signifikante Erh\u00f6hung des Kreditrisikos eines Finanzinstruments angenommen, wenn </span></div><div class=\"ps4912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Zahlungen mehr als 30 Tage \u00fcberf\u00e4llig sind. In Ausnahmef\u00e4llen besteht die M\u00f6glichkeit die 30-Tage Regelung zu </span></div><div class=\"ps4913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">widerlegen, jedoch wird diese Ausnahme in der RBI nicht angewendet.</span></div><div class=\"ps24550 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausnahme f\u00fcr niedrige Ausfallrisiken<span id=\"i2046a82267a54d92b2626962b56209cd\"></span></span></div><div class=\"ps24551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In ausgew\u00e4hlten F\u00e4llen f\u00fcr staatliche Schuldverschreibungen macht die RBI von der Ausnahmeregelung f\u00fcr Finanzinstrumente </span></div><div class=\"ps24552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit geringem Kreditrisiko Gebrauch. All jene Wertpapiere, die als geringes Kreditrisiko eingestuft werden, haben ein Rating, das </span></div><div class=\"ps24553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mindestens einem Investment-Grade-Rating entspricht, d. h. mindestens Standard &amp; Poor's BBB-, Moody's Baa3 oder Fitch BBB-. </span></div><div class=\"ps24554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Kreditgesch\u00e4ft ist diese Ausnahmeregelung nicht anwendbar.</span></div><div class=\"ps24555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Definition der Begriffe Ausfall und wertgeminderte Verm\u00f6genswerte<span id=\"ic3b68ba2e1dd40379558ee16897782a0\"></span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Berechnung der erwarteten Kreditverluste gem\u00e4\u00df IFRS 9 verwendet die RBI dieselbe Ausfallsdefinition wie f\u00fcr die CRR-</span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenmittelrechnung. Das hei\u00dft eine ausgefallene Forderung ist auch in Stage 3. Der Ausfall wird anhand quantitativer und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">qualitativer Kriterien beurteilt. Als ausgefallen gilt ein Kredit, erstens wenn vertragliche Zahlungen mehr als 90 Tage \u00fcberf\u00e4llig </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Zweitens gilt ein Kredit als ausgefallen, wenn es zu erheblichen finanziellen Schwierigkeiten kommt und es <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwahrscheinlich ist, dass den Zahlungsverpflichtungen nachgekommen wird. Die Definition eines Ausfalls wurde in den </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnungen der erwarteten Kreditverluste der RBI zur Abbildung der Ausfallwahrscheinlichkeit (PD), des ausstehenden </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrags zum Zeitpunkt des Ausfalls (EAD) sowie der Verlustquote bei Ausfall (LGD) einheitlich angewendet. </span></div><div class=\"ps16059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erl\u00e4uterung der Input-Daten, Annahmen und Sch\u00e4tztechniken<span id=\"i7cd82382d6984fa192eea97210231401\"></span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust wird entweder auf der Basis einer Zw\u00f6lf-Monats-Betrachtung oder einer Betrachtung der \u00fcber die </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Restlaufzeit erwarteten Kreditverluste berechnet \u2013 je nachdem, ob seit dem erstmaligen Ansatz eine signifikante Erh\u00f6hung des <span class=\"f ps24\"> </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisikos eingetreten ist, oder ob ein Verm\u00f6genswert als wertgemindert angesehen wird. Zukunftsorientierte <span class=\"f ps24\"> </span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wirtschaftliche Informationen werden ebenfalls in die Bestimmung der PD, EAD und LGD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jener f\u00fcr die Gesamtlaufzeit einbezogen. Diese Annahmen unterscheiden sich je nach Produktart. Die erwarteten Kreditverluste </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind das diskontierte Produkt aus der Ausfallwahrscheinlichkeit (PD), der Verlustquote bei Ausfall (LGD), dem ausstehenden </span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag zum Zeitpunkt des Ausfalls (EAD) und dem Diskontierungsfaktor (Discount Factor, D). </span></div><div class=\"ps24556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausfallwahrscheinlichkeit (PD)<span id=\"i465ca4ed013b4867af80a8b6d695a750\"></span></span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit, mit der ein Kreditnehmer entweder innerhalb der n\u00e4chsten zw\u00f6lf </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monate oder in der gesamten Restlaufzeit seinen Zahlungsverpflichtungen nicht nachkommen kann. Im Allgemeinen wird die </span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeit \u00fcber die Laufzeit ausgehend von der regulatorischen Zw\u00f6lf-Monats-Ausfallwahrscheinlichkeit </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechnet, bereinigt um jegliche konservativen Anpassungen. Danach werden verschiedene statistische Methoden zur </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einsch\u00e4tzung der Entwicklung des Ausfallprofils vom Zeitpunkt des erstmaligen Ansatzes \u00fcber die Gesamtlaufzeit des Kredits </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder des Kreditportfolios angewendet. Das Ausfallsprofil beruht auf historischen beobachteten Daten.</span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung des Ausfallprofils ausstehender Kreditbetr\u00e4ge wurden verschiedene Modelle verwendet, die sich in die folgenden </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kategorien zusammenfassen lassen:</span></div><div class=\"ps24559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-525aaa30 ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen und Finanzinstitute: Das Ausfallprofil wird unter Verwendung eines </span></div><div class=\"ps24560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">parametrischen \u00dcberlebensregressionsansatzes (Burr-Typ 12 und Weibull) erstellt. Zukunftsorientierte Informationen </span></div><div class=\"ps24561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen. Die Kalibrierung der </span></div><div class=\"ps24562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallwahrscheinlichkeiten wird bereinigt f\u00fcr k\u00fcrzere Laufzeiten und fr\u00fchzeitige R\u00fcckzahlungen.</span></div><div class=\"ps24563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Das Ausfallprofil wird mithilfe einer parametrischen </span></div><div class=\"ps24564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">\u00dcberlebensregression in einem konkurrierenden Risikorahmen erstellt. Zukunftsorientierte Informationen werden </span></div><div class=\"ps24565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">unter Verwendung von Satellitenmodellen in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor, Kommunal- und Regionalregierungen, Versicherungen und Organismen f\u00fcr gemeinsame Anlagen </span></div><div class=\"ps24567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">in Wertpapieren (OGAW): Das Ausfallprofil wird mithilfe eines \u00dcbergangsmatrix-Ansatzes erstellt. Zukunftsorientierte </span></div><div class=\"ps24568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Informationen werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig verf\u00fcgbar sind, werden f\u00fcr die Berechnung die Techniken </span></div><div class=\"ps24570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Gruppierung, der Mittelung und des Benchmarkings der Input-Daten verwendet. </span></div><div class=\"ps24571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verlustquote bei Ausfall (LGD)<span id=\"i1e99888e28764a37b8b187e442df7dc8\"></span></span></div><div class=\"ps24572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verlustquote bei Ausfall entspricht der Erwartung der RBI bez\u00fcglich der Verlusth\u00f6he bei einem Forderungsausfall. Sie </span></div><div class=\"ps24573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden bei Ausfall als prozentualer Verlust pro Einheit des ausstehenden Betrags zum Zeitpunkt des Ausfalls ausgedr\u00fcckt. </span></div><div class=\"ps24574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verschiedene Modelle werden zur Sch\u00e4tzung der Verlustquote ausstehender Kreditforderungen verwendet. Sie lassen sich in </span></div><div class=\"ps24575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Kategorien zusammenfassen:</span></div><div class=\"ps24576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, Finanzinstitute, Kommunal- und Regionalregierungen, Versicherungen: Die </span></div><div class=\"ps24577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verlustquote bei Ausfall wird durch die Diskontierung von Cash-Flows berechnet, die w\u00e4hrend des Workout-</span></div><div class=\"ps24578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Prozesses eingetrieben werden. Zukunftsorientierte Informationen werden unter Verwendung eines Ein-Faktor-</span></div><div class=\"ps24579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modells in die Verlustquote bei Ausfall einbezogen. W\u00e4hrend Immobiliensicherheiten direkt bei der Reduktion des </span></div><div class=\"ps24580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ausstehenden Forderungswerts ber\u00fccksichtigt werden, haben andere Sicherheiten bereits bei der Modellierung im </span></div><div class=\"ps24581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">statistischen Mittelwert des LGD einen reduzierenden Effekt.</span></div><div class=\"ps24582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Die Verlustquote bei Ausfall wird berechnet, indem die regulatorische </span></div><div class=\"ps24583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote um Anpassungen f\u00fcr einen Konjunkturabschwung und andere konservative Abschl\u00e4ge bereinigt wird. </span></div><div class=\"ps24584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Zukunftsorientierte Informationen werden unter Verwendung von verschiedenen Satellitenmodellen in die </span></div><div class=\"ps24585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote einbezogen.</span></div><div class=\"ps24586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor: Die Ausfallquote wird mithilfe marktimpliziter Quellen ermittelt.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Je nach Art des Kreditunternehmens (Bank/Leasing) kommen unterschiedliche LGD-Sch\u00e4tzungen zum Einsatz. </span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur Verf\u00fcgung stehen, werden alternative Recovery-</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle, das Benchmarking von Input-Daten sowie die Fachmeinung von Experten f\u00fcr die Berechnung herangezogen.</span></div><div class=\"ps24588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausstehender Betrag zum Zeitpunkt des Ausfalls (EAD)<span id=\"ib6d46c78acf447c9bbcf66c9abe28027\"></span></span></div><div class=\"ps24589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der ausstehende Betrag zum Zeitpunkt des Ausfalls entspricht jenem Betrag, den die RBI zum Zeitpunkt des Ausfalls als </span></div><div class=\"ps24590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehend erwartet. Das EAD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und die Gesamtlaufzeit werden auf Grundlage des erwarteten </span></div><div class=\"ps13919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsprofils ermittelt, das sich je nach Vertrag unterscheidet. F\u00fcr amortisierende Produkte und f\u00fcr endf\u00e4llige Kredite beruht </span></div><div class=\"ps13920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses auf den vertraglichen R\u00fcckzahlungen, die der Kreditnehmer \u00fcber einen Zeitraum von zw\u00f6lf Monaten oder \u00fcber die </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtlaufzeit schuldet. Sofern nicht schon im Rahmen der PD-Sch\u00e4tzung \u00fcber die Kreditlaufzeit ber\u00fccksichtigt, werden </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen bez\u00fcglich vorzeitiger (vollst\u00e4ndiger) R\u00fcckzahlung oder Refinanzierung ebenfalls bei der Berechnung ber\u00fccksichtigt.</span></div><div class=\"ps24591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr revolvierende Produkte wird der ausstehende Betrag zum Zeitpunkt des Ausfalls so bestimmt, dass zum momentan </span></div><div class=\"ps24592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezogenen Betrag die erwartete Inanspruchnahme des verbleibenden Limits addiert wird. Dieser zus\u00e4tzliche Betrag ist das </span></div><div class=\"ps24593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Produkt aus dem verbleibenden Limit und dem Kreditkonversionsfaktor. Der Kreditkonversionsfaktor wird um die </span></div><div class=\"ps24594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorischen Sicherheitsmargen bereinigt. In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur </span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgung stehen, wird ein Benchmarking der Input-Daten f\u00fcr die Berechnung verwendet.</span></div><div class=\"ps24596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Diskontierungsfaktor (D)<span id=\"i78e949bab2ac459fa1f524fb8c26f3bf\"></span></span></div><div class=\"ps24597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr finanzielle Verm\u00f6genswerte und au\u00dferbilanzielle Verm\u00f6genswerte, bei denen es sich nicht um Leasing oder POCI handelt, </span></div><div class=\"ps24598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist der bei der Berechnung des erwarteten Kreditverlusts verwendete Diskontierungsfaktor aus dem Effektivzinssatz abgeleitet </span></div><div class=\"ps24599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder ein N\u00e4herungswert davon.</span></div><div class=\"ps24600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Berechnung<span id=\"i96b390bf8a8f46b3bced9e86e26c7818\"></span></span></div><div class=\"ps21076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust f\u00fcr Stage 1 und 2 ist das Produkt aus PD, LGD und EAD, multipliziert mit der Wahrscheinlichkeit, nicht </span></div><div class=\"ps21077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor dem betreffenden Zeitraum auszufallen. Letzteres wird durch die \u00dcberlebensfunktion S ausgedr\u00fcckt. Die dadurch </span></div><div class=\"ps21080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechneten zuk\u00fcnftigen Werte erwarteter Kreditverluste werden sodann auf den Berichtszeitpunkt diskontiert und summiert. </span></div><div class=\"ps21081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ergebnisse daraus werden schlie\u00dflich je nach zukunftsorientiertem Szenario gewichtet.</span></div><div class=\"ps24601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung der Wertminderungen f\u00fcr Stage 3 werden verschiedene Modelle verwendet, die sich in die folgenden Kategorien </span></div><div class=\"ps21083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammenfassen lassen:</span></div><div class=\"ps24602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, \u00f6ffentlicher Sektor, Finanzinstitute, Kommunal- und Regionalregierungen, </span></div><div class=\"ps24603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungen und Organismen f\u00fcr gemeinsame Anlagen in Wertpapieren: Die Wertminderung der Stage 3 wird von </span></div><div class=\"ps24604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Workout-Managern berechnet, die die erwarteten Cash-Flows mit dem geeigneten Effektivzinssatz diskontieren.</span></div><div class=\"ps24605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr Retail-Forderungen werden Wertminderungen der Stage 3 bei der Mehrheit der Konzerneinheiten durch die </span></div><div class=\"ps24606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Berechnung der statistisch abgeleiteten besten Sch\u00e4tzung des erwarteten Verlusts, bereinigt um indirekte Kosten, </span></div><div class=\"ps24607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ermittelt.</span></div><div class=\"ps24608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Gemeinsame Ausfallrisikoeigenschaften in Gruppen<span id=\"i367ddd3d5ec54550ab106c01c99166fd\"></span></span></div><div class=\"ps24609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Retail-Wertminderungen der Stage 1, Stage 2 und Stage 3 werden kollektiv bewertet. F\u00fcr die Non-Retail-Gesch\u00e4fte der </span></div><div class=\"ps24610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 3 werden die Wertminderungen einzeln bewertet. F\u00fcr die Bemessung der erwarteten Kreditverluste auf kollektiver Basis </span></div><div class=\"ps24611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird eine Gruppierung von Risikopositionen auf Grundlage gemeinsamer Kreditrisikomerkmale (im Sinn von </span></div><div class=\"ps24612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallrisikoeigenschaften) durchgef\u00fchrt, sodass die Risikopositionen innerhalb jeder Gruppe \u00e4hnlich sind. </span></div><div class=\"ps20385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Charakteristika von Retail-Krediten sind auf Ebene der L\u00e4nder, der Kundenklassifizierungen (Haushalte und Klein- und </span></div><div class=\"ps20386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mittelbetriebe), der Produkte (z. B. Hypotheken, pers\u00f6nliche Darlehen, Kontokorrentkredite oder Kreditkarten), der Rating-Stufen </span></div><div class=\"ps20387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die Ausfallwahrscheinlichkeit und der LGD-Pools zusammengefasst. Jede Kombination der aufgez\u00e4hlten Charakteristika </span></div><div class=\"ps24613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird als Gruppe mit einheitlichem erwartetem Verlustprofil betrachtet. </span></div><div class=\"ps24614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Non-Retail-Gesch\u00e4fte werden nach Rating-Stufen und Kundensegmenten einer Ausfallwahrscheinlichkeit zugeordnet. Dabei </span></div><div class=\"ps24615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden Kundentypen zu einzelnen Ratingmodellen zusammengefasst. F\u00fcr die Ermittlung der LGD- und EAD-Parameter wird das </span></div><div class=\"ps24616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio nach L\u00e4ndern gruppiert. </span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zukunftsorientierte Informationen<span id=\"i54759fc0145e4429af45db728217425d\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grunds\u00e4tzlich werden bei der IFRS-9-spezifischen Sch\u00e4tzung der Risikoparameter neben historischen Ausfallinformationen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere auch das aktuelle wirtschaftliche Umfeld sowie zukunftsorientierte Informationen ber\u00fccksichtigt. Insbesondere </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden dabei makro\u00f6konomische Prognosen der RBI regelm\u00e4\u00dfig im Hinblick auf ihre Auswirkungen auf die H\u00f6he des ECL </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gepr\u00fcft und in die ECL-Ermittlung einbezogen. </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der signifikanten Erh\u00f6hung des Kreditrisikos und die Berechnung der erwarteten Kreditverluste beziehen beide </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch zukunftsorientierte Informationen mit ein. Die RBI hat historische Analysen durchgef\u00fchrt und makro\u00f6konomische </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schl\u00fcsselfaktoren identifiziert, die sich auf das Kreditrisiko und die erwarteten Kreditverluste auswirken. </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese \u00f6konomischen Variablen und ihre Auswirkungen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterscheiden sich je nach Kategorie. Prognosen f\u00fcr diese \u00f6konomischen Variablen (das \u00f6konomische Basis-Szenario) werden </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">quartalsweise von Raiffeisen Research zur Verf\u00fcgung gestellt und vermitteln ein Best-Estimate-Bild der Volkswirtschaft in den </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">n\u00e4chsten drei Jahren. Jenseits von drei Jahren wird keine makro\u00f6konomische Anpassung durchgef\u00fchrt. Das hei\u00dft f\u00fcr den </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum \u00fcber diese drei Jahre hinaus wurde zur Prognose der \u00f6konomischen Variablen f\u00fcr die gesamte Restlaufzeit jedes </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instruments ein Mittelwertr\u00fcckkehr-Ansatz (Mean Reversion) verwendet. Demnach tendieren \u00f6konomische Variablen bis zur </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00e4lligkeit entweder zu einem langfristigen Durchschnittswert oder zu einer langfristigen Durchschnitts-Wachstumsrate. Die </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen dieser \u00f6konomischen Variablen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall wurden mithilfe </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">statistischer Regressionen bestimmt, um daraus die historischen Auswirkungen der \u00c4nderungen dieser Variablen auf die </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallraten und die Komponenten der Verlustquote bei Ausfall zum Zeitpunkt des Ausfalls zu erkennen. </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zum Basis-Szenario sch\u00e4tzt Raiffeisen Research auch ein optimistisches und ein pessimistisches Szenario, um </span></div><div class=\"ps16739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sicherzustellen, dass die Nichtlinearit\u00e4t des ECL in Abh\u00e4ngigkeit der Makro\u00f6konomie erfasst wird. </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die pessimistischen und optimistischen Szenarien wurde die Methodik aufgrund der diversen hohen Unsicherheiten </span></div><div class=\"ps16741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepasst. So wie alle \u00f6konomischen Vorhersagen unterliegen auch die hier beschriebenen Prognosen und </span></div><div class=\"ps16742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eintrittswahrscheinlichkeiten einer hohen inh\u00e4renten Unsicherheit. Die tats\u00e4chlichen Ergebnisse k\u00f6nnen somit erheblich von den </span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten abweichen. RBI sieht diese Prognosen jedoch als die bestm\u00f6gliche Sch\u00e4tzung der k\u00fcnftigen Ergebnisse an, die <span class=\"f ps24\"> </span></span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch allf\u00e4llige Nichtlinearit\u00e4ten und Asymmetrien in den verschiedenen Portfolios des Konzerns abdecken.</span></div><div class=\"ps24620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Nachstehend sind die wichtigsten makro\u00f6konomischen Annahmen der wesentlichsten L\u00e4nder, die f\u00fcr Sch\u00e4tzungen der </span></span></div><div class=\"ps24622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Kreditverluste zum Ende des Jahres verwendet wurden, angegeb</span></span><span class=\"f charStyle-9eccfdcb ps24621\">en. (Quelle: Raiffeisen Research, November 2025, </span></div><div class=\"ps24623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">exklusive Ukraine).</span></div><div class=\"ps24757 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24626\">Arbeitslosigkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">6,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17131\"></span><span class=\"ps17131\">-0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19532\"></span><span class=\"ps19532\">-1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23812\"></span><span class=\"ps23812\">-0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">8,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">9,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17702\"></span><span class=\"ps17702\">-0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps23265\">Langfristiger Anleihenzinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24759\">Immobilienpreise<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17780\"></span><span class=\"ps17780\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24760\"></span><span class=\"ps24760\">0,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18777\"></span><span class=\"ps18777\">11,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">9,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">9,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17766\"></span><span class=\"ps17766\">22,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15649\"></span><span class=\"ps15649\">12,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12560\"></span><span class=\"ps12560\">10,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">13,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">13,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24761\"></span><span class=\"ps24761\">11,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10683\"></span><span class=\"ps10683\">11,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">9,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">9,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24762\"></span><span class=\"ps24762\">12,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">8,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">7,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24765 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps20713\">Verbraucherpreisindex<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22283\"></span><span class=\"ps22283\">12,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23322\"></span><span class=\"ps23322\">13,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">8,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7310\"></span><span class=\"ps7310\">14,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21660\"></span><span class=\"ps21660\">10,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">6,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24764\"></span><span class=\"ps24764\">10,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufgrund des andauernden Krieges wurde f\u00fcr die Ukraine das optimistische Szenario nicht miteinbezogen. Des weiteren basiert </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das pessimistische Szenario nicht auf dem mathematischen Ansatz, der von Raiffeisen Research ver\u00f6ffentlicht wird, sondern </span></span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf einer narrativen Darstellung und wird mit 50 Prozent gewichtet. </span></span><span class=\"f charStyle-9eccfdcb ps24767\">Da f\u00fcr die Ukraine historische Daten nicht repr\u00e4sentativ </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind beziehungsweise aufgrund der aktuellen Umst\u00e4nde teilweise nicht zur Verf\u00fcgung stehen, wurden in die ukrainische ECL-</span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung ein abgeleitetes reales BIP und ein abgeleiteter kurzfristiger Zinssatz als makro\u00f6konomische Inputparameter </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einbezogen.</span></div><div class=\"ps24768 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12387\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19508\"></span><span class=\"ps19508\">13,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17913\"></span><span class=\"ps17913\">-14,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17532\"></span><span class=\"ps17532\">-8,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps458\"></span><span class=\"ps458\">-3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19510\"></span><span class=\"ps19510\">22,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">18,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7260\"></span><span class=\"ps7260\">17,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Modellentwicklung wurde eine Vielzahl makro\u00f6konomischer Variablen analysiert und die wesentlichen wurden f\u00fcr das </span></div><div class=\"ps24770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modell herangezogen. Das verwendete Modell ist ein Regressionsmodell mit dem Ziel, Ver\u00e4nderungen bzw. die H\u00f6he der </span></div><div class=\"ps24771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallquote zu erkl\u00e4ren. Die folgenden Arten von Makrovariablen wurden als Treiber des Kreditzyklus betrachtet: Reales BIP-</span></div><div class=\"ps24772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wachstum, Arbeitslosenquote, 3-Monats-Geldmarktzins, Rendite 10-j\u00e4hriger Staatsanleihen, der Renditespread 10-j\u00e4hriger </span></div><div class=\"ps24773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Staatsanleihen gegen\u00fcber Deutschland, Hauspreisindex, Wechselkurse und Verbraucherpreisindex. F\u00fcr jedes Land (oder jedes </span></div><div class=\"ps24774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio im Fall von Retail-Exposures) werden spezifische Regeln zur Erkl\u00e4rung historisch beobachteter Ausfallraten bestimmt. </span></div><div class=\"ps24775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrend des Kreditzyklus werden PDs mit den Ergebnissen des makro\u00f6konomischen Modells \u00fcberlagert, um den aktuellen und </span></div><div class=\"ps24776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Zustand der Wirtschaft widerzuspiegeln. F\u00fcr Firmenkunden wird zus\u00e4tzlich je nach Industrie der Zustand im </span></div><div class=\"ps24777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzyklus ber\u00fccksichtigt. W\u00e4hrend f\u00fcr Firmenkunden in Industrien mit neutralem Ausblick keine weitere Anpassung der </span></div><div class=\"ps24778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makromodelle vorgenommen wird, wird f\u00fcr Firmenkunden in Industrien mit schlechtem Ausblick das erwartete Kreditrisiko als </span></div><div class=\"ps24779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich erh\u00f6ht angenommen. F\u00fcr Non-Retail-Exposures wird f\u00fcr die LGD das Makromodell auf die zugrunde liegenden </span></div><div class=\"ps24780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesundungsraten angewendet, d. h. ein positiver makro\u00f6konomischer Ausblick treibt die Gesundungsraten in die H\u00f6he und dies </span></div><div class=\"ps24781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">reduziert die LGD. F\u00fcr Retail-Exposures wird die Workout-LGD in \u00e4hnlicher Weise wie die Ausfallraten entweder direkt oder </span></div><div class=\"ps13688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich \u00fcber die Komponenten wie Gesundungsraten, Verlust bei Gesundung sowie Verlust bei Nichtgesundung modelliert. </span></div><div class=\"ps24782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die langfristigen durchschnittlichen LGDs werden mit den Ergebnissen der Makromodelle \u00fcberlagert, um die aktuelle und </span></div><div class=\"ps24783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Wirtschaftslage widerzuspiegeln. Den einzelnen Szenarien wurden zum Ende des Berichtsjahres folgende </span></div><div class=\"ps24784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtungen zugeteilt: optimistisches Szenario 25 Prozent, Basis-Szenario 50 Prozent, pessimistisches Szenario 25 Prozent. </span></div><div class=\"ps24785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden sind folgende auf aktuelle wirtschaftliche und politische Entwicklungen zur\u00fcckzuf\u00fchrende Risiken und </span></span></div><div class=\"ps24786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplikationen in den makro\u00f6konomischen Modellen ber\u00fccksichtigt. Historisch hohe Inflationsraten in Kombination mit </span></span></div><div class=\"ps24787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6heren Leitzinsen f\u00fchrten zu einem Anstieg der Finanzierungskosten von Firmen. Diese Entwicklung wird in den Modellen </span></span></div><div class=\"ps24788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">wichtiger Portfoliosegmente mit der Ver\u00e4nderung des 3-Monate-Geldmarktzinses sowie der Rendite von Staatsanleihen </span></span></div><div class=\"ps24789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfasst, die zu einem Anstieg des prognostizierten Ausfallsrisikos f\u00fchrt. Zwar k\u00f6nnen hohe Inflationsraten in bivariaten Analysen </span></span></div><div class=\"ps24790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit h\u00f6herem Ausfallsrisiko assoziiert sein, die zugrunde liegenden Mechanismen sind aber die von Inflation verursachten </span></span></div><div class=\"ps24791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zinserh\u00f6hungen sowie ein oft gleichzeitig auftretendes tendenziell niedrigeres Wirtschaftswachstum. Diese Mechanismen sind </span></span></div><div class=\"ps24792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den Modellen \u00fcber reales Wirtschaftswachstum und Zinsver\u00e4nderungen direkt abgedeckt. Aus makro\u00f6konomischer Sicht </span></span></div><div class=\"ps24793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">waren die COVID-Pandemie und ihre Folgen von extremer Volatilit\u00e4t gepr\u00e4gt, mit starken Reduktionen des realen BIP und </span></span></div><div class=\"ps24794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anschlie\u00dfend ebenso starkem Wirtschaftswachstum. Im Gegensatz zu vergleichbaren Rezessionen nach der Finanzkrise sind </span></span></div><div class=\"ps24795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diese Entwicklungen nicht mit einer Welle von Insolvenzen und Kreditausf\u00e4llen einhergegangen. Das ist auf zwei Ursachen </span></span></div><div class=\"ps24796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zur\u00fcckzuf\u00fchren. Zum einen war die COVID-bedingte Rezession in erster Linie ein tempor\u00e4res Aussetzen wirtschaftlicher </span></span></div><div class=\"ps24797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aktivit\u00e4t, das wenige strukturelle Anpassungen erfordert hatte. Zum anderen kam es zu massiven unterst\u00fctzenden politischen </span></span></div><div class=\"ps24798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um einen permanenten Effekt (Arbeitslosigkeit, Insolvenz) zu vermeiden. Diese Entwicklungen zeigen, dass der </span></span></div><div class=\"ps24799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zusammenhang zwischen makro\u00f6konomischen Indikatoren und Kreditrisiko von Umst\u00e4nden beeinflusst wird, die quantitativ </span></span></div><div class=\"ps24800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">schwer erfassbar sind. Um zu vermeiden, dass die makro\u00f6konomischen Modelle implizit davon ausgehen, dass ein starker </span></span></div><div class=\"ps15732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">R\u00fcckgang des BIP-Wachstums immer mit massiven staatlichen Gegenma\u00dfnahmen einhergeht - wie es w\u00e4hrend der COVID-19-</span></span></div><div class=\"ps24801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Pandemie beobachtet wurde -, wurden zus\u00e4tzliche Parameter in die Modelle integriert. Diese Anpassungen werden gezielt auf </span></span></div><div class=\"ps24802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Segmente angewendet, in denen w\u00e4hrend der COVID-Phase kein signifikanter Anstieg des Ausfallrisikos zu verzeichnen war. </span></span></div><div class=\"ps24803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dadurch wird sichergestellt, dass die Prognosen des Modells pr\u00e4zise und unverzerrt bleiben.</span></span></div><div class=\"ps24804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundannahme der Anwendung makro\u00f6konomischer Kreditrisikomodelle ist, dass empirische Zusammenh\u00e4nge zwischen </span></div><div class=\"ps24805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">makro\u00f6konomischen Indikatoren und Ausfallrisiko auf zuk\u00fcnftige Ereignisse extrapoliert werden k\u00f6nnen.</span></div><div class=\"ps24806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Management Overlays <span id=\"ia5c4b0d62c1f4d22b061148d7ba6285e\"></span></span></div><div class=\"ps24807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In Situationen, in denen die bestehenden Input-Parameter, Annahmen und Modellierungen nicht alle relevanten neuartigen </span></span></div><div class=\"ps24808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikofaktoren abdecken, stellen Management Overlays eine praktikable L\u00f6sung dar, um eine angemessene Risikovorsorge trotz </span></span></div><div class=\"ps24810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">unzureichender historischer Daten sicherzustellen. </span></span><span class=\"f charStyle-9eccfdcb ps24809\">Dies ist grunds\u00e4tzlich dann der Fall, wenn vor\u00fcbergehende Umst\u00e4nde, </span></div><div class=\"ps24811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zeitliche Engp\u00e4sse, um relevante neue Informationen angemessen in das Rating einzubeziehen, vorliegen und wenn sich </span></div><div class=\"ps24812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelne Kredite innerhalb eines Kreditportfolios anders als urspr\u00fcnglich erwartet entwickeln. Durch die gegebene Situation, </span></div><div class=\"ps24813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere dem Krieg in der Ukraine, und der daraus resultierenden wirtschaftlichen Verwerfungen ist es notwendig, </span></div><div class=\"ps24814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risiken in den Wertminderungen abzubilden. All diese Anpassungen werden lokal von den Tochterunternehmen </span></div><div class=\"ps24815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlossen und zentral durch das Group Risk Committee (GRC) freigegeben. Es kommt zu portfoliospezifischen Anpassungen </span></div><div class=\"ps24816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Kriegs und der damit einhergehenden Sanktionen, die in der Kategorie geopolitisches Risiko dargestellt werden. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ihre Anwendungsdauer ist zeitlich begrenzt, oft f\u00fcr die Dauer spezifischer wirtschaftlicher Krisen oder bis Modelle angepasst </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Ihre Anwendung wird quartalsweise gepr\u00fcft. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr die zentralen Modelle im Bereich der Firmenkunden wird das zus\u00e4tzliche Risiko durch die Anwendung von In-Model </span></span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments (Parameteranpassungen innerhalb des Modells) ber\u00fccksichtigt. Diese Anpassungen k\u00f6nnen an verschiedenen </span></span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellparametern vorgenommen werden, wie z. B. den IFRS 9 PD-Kurven, k\u00fcnftigen Exposure-Profilen, der LGD etc. Die </span></span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bestimmungen f\u00fcr die Anwendung von In-Model Adjustments sind klar geregelt und umfassen unter anderem, erweiterte </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anforderungen an den Nachweis des neuartigen Risikofaktors, eine Analyse potenzieller \u00dcberschneidungen mit bestehenden </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">IFRS 9-Parametern und dem Kreditrisiko-Rating, eine detaillierte Dokumentation und eine starke Governance. Falls das In-Model </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment die angewandte PD erh\u00f6ht, wird dieser h\u00f6here Wert auch f\u00fcr die Staging-Entscheidung herangezogen. Die </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellanpassungen unterliegen regelm\u00e4\u00dfigen \u00dcberpr\u00fcfungen, mindestens jedoch auf viertelj\u00e4hrlicher Basis. Ein In-Model </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment bleibt so lange in Kraft, wie der identifizierte neuartige Risikofaktor fortbesteht und durch die bestehenden Modelle </span></span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht vollst\u00e4ndig abgebildet wird. </span></span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Im Retail Segment wurden ebenfalls In-Model Adjustments implementiert, sofern diese als geeignet angesehen wurden </span></span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dennoch blieben Post-Model Adjustments der vorherrschende Ansatz zur Adressierung neu auftretender Risiken. Diese Overlays </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden zus\u00e4tzlich zu den bestehenden Modellen angewandt, um die erwarteten Kreditverluste zu berechnen. Obwohl Post-</span></span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Model Adjustments als tempor\u00e4re Ma\u00dfnahmen betrachtet werden - mit einer \u00fcblichen G\u00fcltigkeit von ein bis zwei Jahren -, </span></span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dienen sie als Schutzma\u00dfnahme gegen potenzielle Verzerrungen. Sofern die identifizierten Risiken \u00fcber einen l\u00e4ngeren Horizont </span></span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">fortbestehen, werden sie durch Modellaktualisierungen oder Anpassungen der Modell-Inputs (einschlie\u00dflich In-Model </span></span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments) adressiert. Damit wird sichergestellt, dass die Modelle das sich entwickelnde Risikoprofil angemessen erfassen. </span></span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Overlays sind in nachfolgender Tabelle nach den relevanten Kategorien dargestellt. </span></div><div class=\"ps24864 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1368\"><div><div class=\"ps5730 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss185\"><div><div class=\"ps18991 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps9380\">Non-Retail Overlays</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps21353\">Retail Overlays</span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss1370\"><div><div class=\"ps18991 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2997 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24819 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24820 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24821 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24822 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24823 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24824 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24825 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24826 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24827 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps2768\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24828 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24829 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17895\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24830 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24831 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24832 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24206\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20227\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24833 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24834 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24835 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24836 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24837 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24233\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21345\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24838 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24839 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24840 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24841 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24842 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19921\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24843\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24844 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1085\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24845 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19689\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24847 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24846\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24848 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19286\">524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24255 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24850 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24851 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24852 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps23786\">79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24853 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17760\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24854 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20866\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5434 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24856 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps24855\">563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24858 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24857\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24859 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24860 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21541\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps15125\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24863 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24862\">976<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24901 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps24865\">Sonstige Risikofaktoren<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps17584\">Post-Model-Adjustments<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14916 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24866 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24867 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24868 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14924 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24869 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24870 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22999\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14936 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24872 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24873 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24874 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20563\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21402\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24876 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24877 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24878 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24879 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24244\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10755\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22299 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24882 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24883 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20390\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10638\">195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24886\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24887 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24889 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24888\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24890 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1506 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20214\">559<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19410\">248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24892 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24893\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24895 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17759\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1518 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19280\">350<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24896 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps20518\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22319 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24897 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps505\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24899 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17727\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1531 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24900\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zus\u00e4tzlich zu dem modellierten ECL (vor In-Model Adjustments) wurden Overlays in Stage 1 und Stage 2 in H\u00f6he von \u20ac 413 </span></span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Millionen (Vorjahr: \u20ac 467 Millionen) ber\u00fccksichtigt. Davon entfielen \u20ac 89 Millionen (Vorjahr: \u20ac 196 Millionen) auf die Auswirkungen </span></span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Krieges in der Ukraine und \u20ac\u00a0324 Millionen (Vorjahr: \u20ac 270 Millionen) auf makro\u00f6konomische Risiken (Spill-Over-Effekte und </span></span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sonstige). </span></span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den Spill-Over Effekten wurde ein Betrag in H\u00f6he von \u20ac 18 Millionen (Vorjahr: \u20ac 15 Millionen) aufgrund von Klimarisiken </span></span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebucht. Davon betreffen \u20ac 14 Millionen (Vorjahr: \u20ac 9 Millionen) Firmenkunden und \u20ac 4 Millionen (Vorjahr: \u20ac 6 Millionen) Retail-</span></span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kunden.</span></span></div><div class=\"ps24909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Non-Retail Overlays</span><span id=\"ibe6b2692710444a8af153e53f58a496e\"></span></span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden wurden zus\u00e4tzliche Wertminderungen in H\u00f6he von \u20ac 235 Millionen (Vorjahr: \u20ac 169 Millionen) f\u00fcr </span></span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">makro\u00f6konomische Effekte gebildet. Sie bilden Risiken ab, die \u00fcber die l\u00e4nderspezifische Branchenmatrix hinausgehen. Unter </span></span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diesen subsumieren sich sowohl globale wirtschaftspolitische Risiken wie zum Beispiel Z\u00f6lle und Gegenz\u00f6lle, als auch erwartete </span></span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Herabstufungen von Unternehmen z. B. aufgrund h\u00f6herer Energiepreise, einer erh\u00f6hten Inflation, von Engp\u00e4ssen in Lieferketten </span></span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie geringerer Ums\u00e4tze und h\u00f6herer Kosten als Folge erh\u00f6hter Energiepreise, insbesondere aus Vorjahren. </span></span></div><div class=\"ps24915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der Ukraine wurden f\u00fcr die Auswirkungen des Krieges \u20ac 81 Millionen (Vorjahr: \u20ac 83 Millionen) zus\u00e4tzlich in Form von </span></span></div><div class=\"ps24916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Management Overlays vorgesorgt. Diese zus\u00e4tzlich gebildeten Vorsorgen ergaben sich aus der Modellierung einer anhaltenden </span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zerst\u00f6rung der Infrastru</span></span><span class=\"f charStyle-9eccfdcb ps24917\">ktur sowie durch die fortgesetzte Bombardierung der betroffenen Gebiete. Im Vorjahr wurden diese </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken zusammen mit den EU- und US Sanktionsrisiken gegen\u00fcber russischen Kunden als geopolitische Risiken dargestellt und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrugen f\u00fcr Russland und die Ukraine insgesamt \u20ac 205 Millionen. Die Overlays f\u00fcr EU- und US Sanktionsrisiken gegen\u00fcber </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgew\u00e4hlten russischen Kunden wurden im Gesch\u00e4ftsjahr aufgrund der vollst\u00e4ndigen R\u00fcckzahlung der betroffenen Obligos </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur G\u00e4nze aufgel\u00f6st.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um Klima- und Umweltrisiken zu ber\u00fccksichtigen wurde f\u00fcr Firmen</span><span class=\"f charStyle-26fbf26f ps24918\"><span style=\"background-color:inherit\">kunden die M\u00f6glichkeit eines kurzfristigen </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">au\u00dferplanm\u00e4\u00dfigen Szenarios in Betracht gezogen, in dem CO</span></span><span class=\"f charStyle-c12972e2 ps24919\"><span style=\"background-color:inherit\">2</span></span><span class=\"f charStyle-26fbf26f ps24920\"><span style=\"background-color:inherit\"> Emissionen teurer werden und die Preise f\u00fcr fossile Energietr\u00e4ger </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6her sind. Bei einem diversifizierten Portfolio, wie dem der RBI, gleichen sich die Auswirkungen zwar weitgehend aus, in einigen </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sektoren besteht jedoch ein erh\u00f6htes Risiko. Dabei handelt es sich um Sektoren mit Kund:innen, die ein niedriges Umwelt Score </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den ESG Scoring Modellen aufweisen, wie z. B. die \u00d6l- und Gasindustrie und das Baugewerbe. H\u00f6here </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeiten in diesen Sektoren f\u00fchren zu einem Anstieg der erwarteten Kreditverluste.</span></span></div><div class=\"ps24921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Retail Overlays</span><span id=\"i6c5cf41c2c2e473eba3412c156475163\"></span></span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">W\u00e4hrend des letzten Jahres waren die Retail-Kund:innen einem zunehmenden Inflationsdruck ausgesetzt, der ihre F\u00e4higkeit zur </span></span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Deckung ihrer Kreditverpflichtungen beeintr\u00e4chtigt hatte. Als Teil der IFRS-9-Regelungen gibt es sowohl auf L\u00e4nder- als auch </span></span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf Produktebene, PD- und LGD-Modelle, die der Notwendigkeit dienen, diese hohen Risiken, die sich aus dem makro\u00f6ko-</span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nomischen Umfeld ergeben, zu adressieren. F\u00fcr bestimmte L\u00e4nder und Portfolios, bei denen die makro\u00f6konomischen Modelle </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">den wichtigsten makro\u00f6konomischen Variablen (Inflation, Zinss\u00e4tze, Arbeitslosigkeit usw.) entweder hinterherhinken oder die </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht Teil des Modells sind, werden f\u00fcr bestimmte Kundengruppen mit hohem Risiko zus\u00e4tzliche Post-Model-Adjustments </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebildet. Diese beinhalten eine qualitative Beurteilung der Kreditobligos im Hinblick auf einen signifikanten Anstieg des </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisikos und ihre \u00dcbertragung von Stage 1 auf Stage 2, sowie in bestimmten F\u00e4llen eine Erh\u00f6hung der PD- und/oder LGD-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sch\u00e4tzungen. Die Kriterien f\u00fcr die Identifizierung solcher Kreditobligos basieren auf Informationen des Kreditantrags sowie des </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">historischen Zahlungsverhaltens und werden in weiterer Folge durch gestresste makro\u00f6konomische Variablen verfeinert. Die </span></span></div><div class=\"ps24922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufl\u00f6sung der Post-Model-Adjustments erfolgt entweder nach Materialisierung der Risiken durch Transfer der betroffenen </span></span></div><div class=\"ps24923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Forderungen nach Stage 3 oder dem Nichteintritt der erwarteten Risiken.</span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr das ukrainische Retail-Kundenportfolio, das seit Kriegsbeginn gr\u00f6\u00dftenteils in Stage 2 verschoben wurde, basiert die Bildung </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Wertminderungen auf dem Urteil lokaler Experten, welches aus dem regelm\u00e4\u00dfigen Kontakt mit den einzelnen Kund:innen </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durch die Inkassoabteilung gewonnen wird. Des Weiteren finden strukturierte Kundengespr\u00e4che statt, um \u00fcber die Bed\u00fcrfnisse </span></span></div><div class=\"ps24924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und potenzielle Probleme, die die R\u00fcckzahlungsf\u00e4higkeit der Kund:innen beeinflussen k\u00f6nnten, auf dem Laufenden zu bleiben. </span></span></div><div class=\"ps24925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Verm\u00f6genswerte und Kund:innen aus besetzten Regionen oder Gebieten, welche einem hohen Risiko von Feindseligkeiten </span></span></div><div class=\"ps24926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">oder Besetzungen ausgesetzt sind, wurden die Risikoparameter weiter nach oben angepasst, um die erwarteten k\u00fcnftigen </span></span></div><div class=\"ps24927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Verluste auf der Grundlage der oben angef\u00fchrten Erhebungen zu ber\u00fccksichtigen.</span></span></div><div class=\"ps24928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ie784ee2bfddd45da8e6737dcbdc77932\"></span></span></div><div class=\"ps24929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um eine Bandbreite f\u00fcr potenzielle Sch\u00e4tzungs\u00e4nderungen und daraus ge\u00e4nderte Wertminderungen zu simulieren, wurden </span></div><div class=\"ps24930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Sensitivit\u00e4tsanalysen der wichtigsten Annahmen, die sich auf die erwarteten Wertminderungen auswirken, wie folgt </span></div><div class=\"ps24931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchgef\u00fchrt.</span></div><div class=\"ps24932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse wurde durchgef\u00fchrt, indem die Wertminderungen f\u00fcr erwartete Kreditverluste in den vorhandenen </span></div><div class=\"ps24933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modellen neu berechnet wurden. Die Risikofaktoren und Post-Model-Adjustments sind, bis auf die Stage-1-Simulationen, in allen </span></div><div class=\"ps24934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien in vollem Umfang inkludiert und unterliegen keinen weiteren Anpassungen. Aufgrund der Komplexit\u00e4t des Modells </span></div><div class=\"ps24935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schlie\u00dfen sich viele Treiber nicht gegenseitig aus. </span></div><div class=\"ps24936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle zeigt einen Vergleich zwischen den ausgewiesenen kumulierten Wertminderungen f\u00fcr erwartete <span class=\"f ps24\"> </span></span></div><div class=\"ps24937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 1 und Stage 2 (gewichtet mit 25 Prozent optimistischen, 50 Prozent Basis </span></div><div class=\"ps24938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 25 Prozent pessimistischen Szenarien) und den jeweils mit 100 Prozent gewichteten Szenarien. Optimistisches und </span></div><div class=\"ps24939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistisches Szenario stellen keine Extremf\u00e4lle aus dem Ergebnisraum der 25 Prozent optimistischsten und </span></div><div class=\"ps24940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistischsten Szenarien dar, sondern einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. Das bedeutet, dass sich diese </span></div><div class=\"ps24941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien auf der Verteilungskurve um circa 25 Prozent respektive 75 Prozent befinden. Grunds\u00e4tzlich werden bei den IFRS-9-</span></div><div class=\"ps24942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifischen Sch\u00e4tzungen der Risikoparameter neben historischen Ausfallinformationen sowie das aktuelle wirtschaftliche </span></div><div class=\"ps24943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umfeld ber\u00fccksichtigt. Die Auswirkungen der Sch\u00e4tzungen aufgrund von makro\u00f6konomischen Prognosen werden in der </span></div><div class=\"ps24944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunftsbezogenen Komponente dargestellt. Die Informationen dienen der Veranschaulichung.</span></div><div class=\"ps24973 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24951\">904<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24955\">-90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24957\">954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24960\">-39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24962\">1.080<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24965\">87<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24967\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24969\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24971\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24975\">972<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24977\">-61<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24978\">1.056<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24979\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24980\">1.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24981\">135<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24982\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24983\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24984\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Insgesamt sind die makro\u00f6konomischen Szenarien im Moment besser als der langj\u00e4hrige Durchschnitt, was zu einer Reduktion </span></span></div><div class=\"ps24986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der zukunftsbezogenen Komponente um \u20ac 18 Millionen f\u00fchrt.</span></span></div><div class=\"ps24987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das positive Szenario, welches in der unten folgenden Tabelle dargestellt wird, folgt der Pr\u00e4misse, dass alle Forderungen als </span></div><div class=\"ps24988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 1 klassifiziert werden und alle makro\u00f6konomischen und geopolitischen Risiken nicht relevant sind.</span></div><div class=\"ps24989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anbei werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle Verm\u00f6genswerte unter </span></div><div class=\"ps24990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der erwarteten Zw\u00f6lf-Monats-Verluste bewertet </span></div><div class=\"ps24991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden (Stage 1), ausgewiesen.</span></div><div class=\"ps25006 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:264.75pt\"></td><td style=\"padding:0;width:88.5pt\"></td><td style=\"padding:0;width:88.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24993 ss793\"><div><div class=\"ps3137 ss787\"><span class=\"f charStyle-1dbd4d87 ps24992\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24995 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24994\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15644 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24996\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24998 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps24997\">514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15646 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps24999\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25001 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25000\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15650 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25002\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2 aufgrund von Staging<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25004 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25003\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15652 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25005\">490<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung des Negativ-Szenarios geht davon aus, dass alle Forderungen als Stufe 2 eingestuft werden. Folglich werden </span></div><div class=\"ps25008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">alle makro\u00f6konomischen und geopolitischen Risiken in dieser Analyse ber\u00fccksichtigt.</span></div><div class=\"ps25009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der folgenden Tabelle werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle </span></div><div class=\"ps25010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte unter der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der gesamten Restlaufzeit </span></div><div class=\"ps25011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden (Stage 2), ausgewiesen.</span></div><div class=\"ps25025 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps10760\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25014\">2.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25015\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25017\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25019\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25021\">1.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25023\">658<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt einen Vergleich zwischen der ausgewiesenen kumulierten Wertminderung f\u00fcr erwartete </span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 3 und dem pessimistischen Szenario gewichtet mit 100 Prozent. Das </span></div><div class=\"ps25026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistische Szenario stellt keinen Extremfall aus dem Ergebnisraum der 25 Prozent pessimistischsten Szenarien dar, sondern </span></div><div class=\"ps25027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. </span></div><div class=\"ps25033 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps13427\">Kumulierte Wertminderungen (Stage 3)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Pessimistisches Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25028\">1.801<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25029\">2.193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25030\">1.480<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25013\">1.909<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung der Wertminderungen im pessimistischen Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25031\">321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25032\">284<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verm\u00f6genswerte<span id=\"ifb6970ca593b4ec49e85f23ea9c80166\"></span></span></div><div class=\"ps25035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Schuldverschreibungen werden teilweise oder vollst\u00e4ndig ausgebucht, wenn keine Zahlungen bzw. R\u00fcckfl\u00fcsse mehr </span></div><div class=\"ps25036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet werden. Dies geschieht, wenn der Kreditnehmer keine Einnahmen aus dem operativen Gesch\u00e4ft mehr erzielt und die </span></div><div class=\"ps25037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheiten keine ausreichenden Cash-Flows generieren k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in Insolvenz werden </span></div><div class=\"ps25038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten wertgemindert, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr erzielt. Im Retail-Gesch\u00e4ft werden qualitative Faktoren ber\u00fccksichtigt. In F\u00e4llen, in denen seit einem Jahr keine Zahlung </span></div><div class=\"ps25040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleistet wurde, werden hier die ausstehenden Betr\u00e4ge ausgebucht, wobei ausgebuchte Forderungen weiter Gegenstand von </span></div><div class=\"ps25041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeiten sein k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in sogenannten Gone-Concern-F\u00e4llen werden </span></div><div class=\"ps25042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten abgeschrieben, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr generiert. Die ausstehenden Bruttoforderungen aus finanziellen Verm\u00f6genswerten, die noch Gegenstand der </span></div><div class=\"ps4860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeit sind, betrugen \u20ac 1.401 Millionen (Vorjahr: \u20ac 1.297 Millionen).</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verbindlichkeiten<span id=\"ia81b6a74840c431cb8919670a599f432\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern bucht eine finanzielle Verbindlichkeit aus, wenn seine Verpflichtungen beglichen, aufgehoben oder ausgelaufen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Der Ertrag oder Aufwand aus dem R\u00fcckkauf von eigenen Verbindlichkeiten wird unter Punkt (6) Sonstiges betriebliches </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis dargestellt. Auch der R\u00fcckerwerb eigener Schuldtitel f\u00e4llt unter die Ausbuchung finanzieller Verpflichtungen. </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetr\u00e4ge beim R\u00fcckkauf zwischen dem Buchwert der Verpflichtung (einschlie\u00dflich Agios und Disagios) und dem </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaufpreis werden erfolgswirksam im sonstigen betrieblichen Ergebnis erfasst, sofern es sich nicht um eine zum Fair Value </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designierte Verbindlichkeit handelt. Bezieht sich der R\u00fcckkauf auf finanzielle Verbindlichkeiten, die unter Anwendung der Fair-</span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value-Option bilanziert wurden, so bleiben jene Fair-Value-\u00c4nderungen, die aus einer Verschlechterung der eigenen Bonit\u00e4t </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(und damit einer Ver\u00e4nderung des Ausfallrisikos der finanziellen Verbindlichkeit) herr\u00fchren, erfolgsneutral erfasst und werden </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Gewinn oder Verlust umgegliedert.</span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt den Betrag des Bruttobuchwerts und der Wertminderungen jener finanziellen Verm\u00f6genswerte \u2013 </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Amortized Cost und finanziellen Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income, die sich in der </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperiode von erwarteten Zw\u00f6lf-Monats-Verlusten (Stage 1) hin zu erwarteten Verlusten \u00fcber die Restlaufzeit (Stage 2 </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 3) oder umgekehrt bewegt haben:</span></div><div class=\"ps25140 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1379\"><div><div class=\"ps3137 ss1378\"><span class=\"f charStyle-1dbd4d87 ps1642\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1382\"><div><div class=\"ps5426 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25057\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25058\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps50 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps17263\">-6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps118\">6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps14999\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps25062\"></span><span class=\"ps25062\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17204\"></span><span class=\"ps17204\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21542\">-60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17889\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25069 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps23943\">-139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18513\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25074 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps22204\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25075\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25080 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25081\">-257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25082\">257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20183\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25085\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25087\"></span><span class=\"ps25087\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25089 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17773\"></span><span class=\"ps17773\">7,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25090\">-3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps307\">3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18478\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22537\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25095 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19579\"></span><span class=\"ps19579\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10787\">2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps1069\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25100 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13350\"></span><span class=\"ps13350\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps10643\">6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9442\">-6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25102\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps15881\">-258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20085\"></span><span class=\"ps20085\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25106 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13308\"></span><span class=\"ps13308\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25110\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25112\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19957\"></span><span class=\"ps19957\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25117 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1619\"></span><span class=\"ps1619\">10,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25118\">295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps113\">-295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25122 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1623\"></span><span class=\"ps1623\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20293\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17770\">-589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25124\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25128 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps4126\">2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10120\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20118\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps458\">-171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25132 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17706\"></span><span class=\"ps17706\">7,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17906\">3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9386\">-3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20843\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25136\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25139 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der Wertminderungen aus der Bewegung von erwarteten Zw\u00f6lf-Monats-Kreditverlusten zu Lifetime betrug \u20ac 287 </span></div><div class=\"ps25142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (Vorjahr: \u20ac 333 Millionen). Der R\u00fcckgang der Wertminderungen aus der Bewegung von Lifetime zu erwarteten Zw\u00f6lf-</span></div><div class=\"ps25143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monats-Kreditverlusten betrug \u20ac 237 Millionen (Vorjahr: \u20ac 169 Millionen).</span></div><div class=\"ps25168 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12887\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25144 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22706\">-5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps13210\">5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps25145\">388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps18107\"></span><span class=\"ps18107\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25146 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25147 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20180\">-141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25148\">141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20216\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20193\"></span><span class=\"ps20193\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25149 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17912\"></span><span class=\"ps17912\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20347\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25150\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25151 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19633\"></span><span class=\"ps19633\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25152\">-497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20422\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20097\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25153 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19189\"></span><span class=\"ps19189\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps8920\">-3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6729\">3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25154\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17792\">207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20539\"></span><span class=\"ps20539\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25155 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18078\"></span><span class=\"ps18078\">6,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17402\">-1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps19535\">1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20259\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25156 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps111\"></span><span class=\"ps111\">8,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps21380\">5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9896\">-5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps20559\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps16883\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21626\"></span><span class=\"ps21626\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25157 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25158 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20138\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17722\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25159 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12631\"></span><span class=\"ps12631\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21545\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25160\">-214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25161 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17910\"></span><span class=\"ps17910\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20261\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17285\">-461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25162\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25163\"></span><span class=\"ps25163\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25164 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17911\"></span><span class=\"ps17911\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17784\">2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10500\">-2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25165\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22538\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21394\"></span><span class=\"ps21394\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25166 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11922\"></span><span class=\"ps11922\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18115\">3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9438\">-3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps806\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25167 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8448\"></span><span class=\"ps8448\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-464": {
   "value": "<div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:48pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps20955 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-1dbd4d87 ps20954\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1820 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-1dbd4d87 ps20956\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1205\"><div><div class=\"ps516 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20957 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-3e64e966 ps18110\">Brutto-</span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-3e64e966 ps1943\">buchwert</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20959 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps9088\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps20958\">Wertminderungen </span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps20961 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps20960\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20962 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps18110\">Brutto-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps1943\">buchwert</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20963 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps9088\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps20958\">Wertminderungen </span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps20964 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps20960\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20965 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps12850\">38.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20966 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4136\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20967 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps10738\">38.150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20968 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps17977\">30.836<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20969 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps4126\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps20970\">30.783<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20971 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20972 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20973 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20974 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20975 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20976 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17779\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20977 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6991\">32.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20979 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20978\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20980 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps223\">31.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20981 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9955\">25.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20982 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10722\">-47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps20983\">25.678<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20985 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">3.872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20986 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20987 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">3.872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20988 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8527\">3.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20989 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20990 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8527\">3.455<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20991 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1445\">1.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20992 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20993 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13163\">1.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20994 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">967<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20995 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20996 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12595\">966<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20997 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps128\">885<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20999 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps20998\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21000 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13350\">880<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21001 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13308\">683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21002 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps4119\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21003 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21004 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11455\">119.563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21005 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps402\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21006 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps13189\">117.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21007 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps9401\">119.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21008 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps18656\">-2.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21009 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11021\">116.919<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21011 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21012 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps5967\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21013 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21014 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps7132\">13.784<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21015 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17454\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21016 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps330\">13.783<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21018 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21017\">3.917<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21019 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18689\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21020 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps191\">3.909<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21021 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19567\">3.816<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21022 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18689\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21023 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8523\">3.807<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21024 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps297\">4.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21026 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21025\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21027 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps169\">4.249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21028 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps18753\">4.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21029 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21025\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21030 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12640\">4.272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21031 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9829\">10.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21032 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps10764\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21033 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6740\">9.968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21034 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6995\">10.526<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21036 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21035\">-169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21038 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21037\">10.356<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21040 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21039\">48.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21041 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps8324\">-1.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21042 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10744\">47.320<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21043 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9376\">46.713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21044 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17792\">-1.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21045 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10115\">45.106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21046 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10522\">44.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21048 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps21047\">-948<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21049 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps20451\">43.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21050 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps229\">40.564<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21051 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps17548\">-970<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21052 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8628\">39.594<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1206\"><div><div class=\"ps31 ss1204\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21053 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps7006\">157.739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21054 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps14998\">-2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21056 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps21055\">155.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21057 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11559\">150.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21058 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps7392\">-2.810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21059 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps13339\">147.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Kumulierte Wertminderungen</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21181\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">-40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21183\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1644\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18600\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10522\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9403\">-119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8719\">-17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21186\">-135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13521\">-246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21187\">-775<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13345\">-194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21189\">-266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1909\">-1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21190\">-114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21191\">-203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13568\">-612<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10738\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13547\">-106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13313\">-227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21192\">-615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10522\">-22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Hypothekar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8719\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21193\">-67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11429\">-134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21181\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21194\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21192\">-156<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11329\">-13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21195\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9095\">-463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1439\">-1.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps8907\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9251\">-353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21196\">-527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21197\">-1.850<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps10417\">-81<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Kumulierte Wertminderungen</span></div><div class=\"ps21262 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:129.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21092 ss1208\"><div><div class=\"ps31 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21091\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss1208\"><div><div class=\"ps3137 ss1207\"><span class=\"f charStyle-1dbd4d87 ps21093\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21095 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21097 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21098 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21099 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21100 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21094\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps21096\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21102 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps2098\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21103 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-1dbd4d87 ps3142\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21104 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11975\">-90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21106 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18551\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13224\">-391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21108 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21247\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21109 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10773\">-111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21248\">-182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21111 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12458\">-418<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10744\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21113 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9071\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21114 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11958\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21116 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11429\">-134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21117 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1564\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21119 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11958\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21121 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8733\">-120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21122 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1564\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21124 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1608\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21125 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11329\">-31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21126 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21127 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21128 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13440\">-62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21129 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21249\">-49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21130 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21132 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21133 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21134 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21250\">-155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21135 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1644\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21136 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10655\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21137 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps292\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21138 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21186\">-153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21139 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21141 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6985\">-88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21143 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17575\">-130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21144 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18031\">-360<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21145 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21247\">-41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21146 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8733\">-102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21147 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21186\">-124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21149 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21251\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21150 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">-40<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">-40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21152 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21153 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12960\">-140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21155 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21156 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10655\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21157 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">-39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12458\">-148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21159 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10744\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21160 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21161 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10591\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21162 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21252\">-172<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21164 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21165 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3115\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21166 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21253\">-175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21168 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10630\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21170 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10591\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21252\">-172<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21174 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21175 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21176 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3115\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21253\">-175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21178 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10630\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21219 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11958\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21220 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7187\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21222 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21193\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21224 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13224\">-163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21226 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich und andere</span><span class=\"f charStyle-ef1a5293 ps21227\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21115\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21229 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8733\">-102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9300\">-388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21232 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9107 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10758\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9612 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10655\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13313\">-722<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21236 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10522\">-22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1210\"><div><div class=\"ps31 ss1209\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21254 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21195\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21255 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9095\">-463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21256 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1439\">-1.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21257 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps8907\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21258 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps9251\">-353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21196\">-527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21260 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps21197\">-1.850<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21261 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps10417\">-81<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"9\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-073efae3 ps30\">1 \u00d6sterreich beinhaltet im Wesentlichen das Gesch\u00e4ft der Konzernzentrale und der Raiffeisen Bausparkasse Gesellschaft m.b.H. Andere inkludiert auch allf\u00e4llige Konsolidierungseffekte.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21284 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entwicklung der Wertminderungen<span id=\"i73c8bdafc56f4f0ba283dfc63826c3be\"></span></span></div><div class=\"ps21285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung der Wertminderungen auf Forderungen und Schuldverschreibungen der Bewertungskategorie finanzielle </span></div><div class=\"ps21286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte \u2013 Amortized Cost, der Bewertungskategorie finanzielle Verm\u00f6genswerte \u2013 Fair Value Through Other </span></div><div class=\"ps21287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Comprehensive Income sowie auf sonstige Sichteinlagen bei Kreditinstituten:</span></div><div class=\"ps21368 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:190.5pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps35 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1538\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21288 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps193\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21289 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1575\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21290 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18491\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21291\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1216\"><div><div class=\"ps5427 ss1215\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps47 ss266\"><div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21293\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps21294\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21296 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21297 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21299 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps20171\">407<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21300 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18709\">529<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21302 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps21301\">1.854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21303 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps17388\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21305 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21304\">2.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4812 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21306 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps17232\">290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21307 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18468\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21308 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps10792\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21309 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21310 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps12721\">367<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21311 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps19611\">-92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21312 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps8839\">-81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21313 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps18683\">-397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21314 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps18526\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21315 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps1437\">-579<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21316 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps3169\">-241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21317 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10482\">-83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21318 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps18709\">394<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21320 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21321 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps6983\">66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund von Modifikationen ohne Ausbuchungen (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21322 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21323 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21325 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21324\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21326 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21327 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps17480\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21328 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21329 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20079\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21330 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps7838\">-449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21331 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21332 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps9781\">-454<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21333 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21334 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21335 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21336 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21337 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21338 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21339 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21340 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21341 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21342 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21343 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps20055\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21344 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18517\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21346 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21345\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21347 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21349 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21348\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21351 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps21350\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21352 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps15181\">464<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21354 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps21353\">1.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21356 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps21355\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21357 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps11322\">2.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21358 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps7761\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21359 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21360 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps1133\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21361 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21362 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps17261\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1217\"><div><div class=\"ps3137 ss1215\"><span class=\"f charStyle-375ad3a6 ps1864\">davon sonstige Sichteinlagen bei Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21363 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21364 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21365 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21366 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21367 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21369 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps6365\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps191\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21370\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21290 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18491\">POCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21292 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21291\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1219\"><div><div class=\"ps5427 ss1218\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21372 ss1220\"><div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps3000\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps21371\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21374 ss1220\"><div><div class=\"ps5430 ss173\"><span class=\"f charStyle-1dbd4d87 ps11049\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps21373\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps13493\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21375 ss1220\"><div><div class=\"ps5430 ss173\"><span class=\"f charStyle-1dbd4d87 ps11049\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss173\"><span class=\"f charStyle-1dbd4d87 ps21373\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss173\"><span class=\"f charStyle-1dbd4d87 ps13493\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss266\"><div><div class=\"ps5430 ss184\"><span class=\"f charStyle-1dbd4d87 ps9230\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss184\"><span class=\"f charStyle-1dbd4d87 ps21295\">Verlust \u00fcber die </span></div><div class=\"ps5427 ss184\"><span class=\"f charStyle-1dbd4d87 ps5925\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18116\">372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4134\">978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17259\">1.673<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21303 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps10482\">107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21305 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps11302\">3.130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4812 ss1221\"><div><div class=\"ps31 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21379 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17891\">308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21380\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13436 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps19948\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21309 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21310 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps13135\">450<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1221\"><div><div class=\"ps31 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21382 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps15180\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21384 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21383\">-268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21385 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps18401\">-273<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21314 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps9585\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21315 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps17193\">-692<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1221\"><div><div class=\"ps31 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21386 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps15181\">-129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13496 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17800\">-275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21388 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps21387\">710<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21320 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps10792\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21321 ss907\"><div><div class=\"ps3137 ss178\"><span class=\"f charStyle-375ad3a6 ps9101\">320<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund von Modifikationen ohne Ausbuchungen (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13502 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21390 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17447\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21326 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21327 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps12431\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21391 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17418\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21393 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17437\">-241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21331 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21394\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21332 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21395\">-251<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21396 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10908 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21336 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21337 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps13351\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21398 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17418\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13519 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17453\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17466\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21341 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21342 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps9119\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21400 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps10125\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13527 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17364\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17902\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21347 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21402\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21349 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps9306\">-30<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps9395\">407<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13534 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps10098\">529<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21404\">1.854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21356 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps17388\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21357 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps21304\">2.871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6429 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21407 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21406\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17386\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17386\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21361 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21362 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21409\">59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1221\"><div><div class=\"ps3137 ss1218\"><span class=\"f charStyle-375ad3a6 ps1864\">davon sonstige Sichteinlagen bei Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21410 ss1133\"><div><div class=\"ps3137 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21411 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17367\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21366 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21367 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps7000\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21953 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21887\">231<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">153<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21904\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20235\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21914\">4.255<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21916\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21921\">3.532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21925\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20258\">3.517<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21928\">573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21933\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21940\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21948\">4.506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21910\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20712\">4.486<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21964 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21882 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps6419\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21884 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17755\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21883\">Wertminderungen </span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7757 ss1237\"><div><div class=\"ps12528 ss1236\"><span class=\"f charStyle-1dbd4d87 ps3278\">Kumuliertes sonstiges <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps17450\">Ergebnis</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21886 ss1237\"><div><div class=\"ps12526 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21885\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21888 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21890 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21891 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21889\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21892 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20741\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21896 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21897 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21900 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21901 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21902 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21903 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21946\">133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21905 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21906 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21907 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">\u2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21908 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1108\">74<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21909 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20737\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21911 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21913 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21915 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21956\">3.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21917 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21918 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21919 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21920 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1117\">389<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21922 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21924 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21926 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21927 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1186\">2.207<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21929 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20625\">685<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21930 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21932 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21942\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21934 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21959\">680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21936 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21937 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21938 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21939 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21941 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21960\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21943 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21961\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21945 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21931\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21947 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20162\">122<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1235\"><div><div class=\"ps31 ss1234\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21949 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21962\">3.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21950 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">-59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21951 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21955\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21952 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21963\">3.610<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_820\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(31) Erwartete Kreditverluste<span id=\"i0ac5696eeaa542c39c86ba643e364632\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erwarteten Kreditverluste aus einem Finanzinstrument sind so zu bemessen, dass sie einen unverzerrten und </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlichkeitsgewichteten Betrag darstellen, der durch Auswertung einer Reihe verschiedener m\u00f6glicher Ergebnisse </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt wird, dem Zeitwert des Geldes und angemessenen und belastbaren Informationen entsprechen, die zum </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschlussstichtag ohne unangemessenen Kosten- oder Zeitaufwand \u00fcber vergangene Ereignisse, gegenw\u00e4rtige Bedingungen <span class=\"f ps24\"> </span></span></div><div class=\"ps902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Prognosen k\u00fcnftiger wirtschaftlicher Bedingungen verf\u00fcgbar sind. </span></div><div class=\"ps24488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Allgemeine Vorgehensweise<span id=\"i3ca92d1930064779a881dc62512116a8\"></span></span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bemessung der Wertminderungen f\u00fcr erwartete Kreditverluste finanzieller Verm\u00f6genswerte \u2013 Amortized Cost bzw. </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income ist die Anwendung von Modellen und </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognosen \u00fcber k\u00fcnftige wirtschaftliche Bedingungen und \u00fcber zuk\u00fcnftiges Zahlungsverhalten erforderlich. Bei der Berechnung </span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteter Kreditverluste sind Ermessensentscheidungen erforderlich, und zwar unter anderem bei der:</span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Festlegung der Kriterien f\u00fcr eine signifikante Erh\u00f6hung des Kreditrisikos</span></div><div class=\"ps4929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Auswahl geeigneter Modelle und Annahmen f\u00fcr die Berechnung erwarteter Kreditverluste</span></div><div class=\"ps24493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ber\u00fccksichtigung von Risiken, die von den Modellen nicht angemessen abgebildet werden</span></div><div class=\"ps15363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Bestimmung der Anzahl und relativen Gewichtung zukunftsorientierter Szenarien</span></div><div class=\"ps24494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zusammenfassung von Finanzinstrumenten anhand von gemeinsamen Ausfallrisikoeigenschaften in Gruppen mit </span></div><div class=\"ps24495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">dem Zweck der Berechnung erwarteter Kreditverluste.</span></div><div class=\"ps24496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisiko ist das Risiko, finanzielle Verluste zu erleiden, falls Kund:innen oder Kontrahent:innen den vertraglichen </span></div><div class=\"ps24497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen nicht oder nicht rechtzeitig nachkommen. Kreditrisiken ergeben sich haupts\u00e4chlich aus Interbanken-, <span class=\"f ps24\"> </span></span></div><div class=\"ps24498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenkunden- und Verbraucherkrediten sowie aus gew\u00e4hrten Kreditzusagen. Sie k\u00f6nnen ferner aus gegebenen </span></div><div class=\"ps24499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzgarantien, z. B. Kreditb\u00fcrgschaften, Akkreditiven und Akzepten, entstehen.</span></div><div class=\"ps24500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Kreditrisiken ergeben sich aus Veranlagungen in Schuldtiteln und aus Handelsaktivit\u00e4ten (Handelskreditrisiken), sowie </span></div><div class=\"ps24501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Verrechnungssalden mit Gegenparteien und aus Reverse-Repo-Gesch\u00e4ften. </span></div><div class=\"ps24502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle werden herangezogen, um die Eintrittswahrscheinlichkeit von Ausf\u00e4llen (PD), die damit verbundenen Verlustquoten </span></div><div class=\"ps24503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(LGD) und dem ausstehenden Betrag zum Zeitpunkt des Ausfalls (EAD) zu sch\u00e4tzen. Zus\u00e4tzlich zu bestehenden, historisch </span></div><div class=\"ps24504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">belastbar modellierten Risiken entstehen neue Risiken - wie zum Beispiel geopolitische Unsicherheiten, Risiken im </span></div><div class=\"ps24505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit der Energieversorgung sowie Umweltrisiken. Diese Risiken k\u00f6nnen aufgrund unzureichender historischer <span class=\"f ps24\"> </span></span></div><div class=\"ps24506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten nicht durch bestehende statistische Modelle erfasst werden. Um jedoch eine angemessene Risikovorsorge zu </span></div><div class=\"ps24507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten, werden diese Risiken \u00fcber Management Overlays in die ECL-Berechnung einbezogen. Sie lassen sich </span></div><div class=\"ps24508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenderma\u00dfen unterteilen: </span></div><div class=\"ps24509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Overlays: Hierbei handelt es sich um Anpassungen, die au\u00dferhalb des Modells vorgenommen werden, d. h. nach der </span></div><div class=\"ps24510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellanwendung. Post-Model-Adjustments (PMA) fallen in diese Kategorie. </span></div><div class=\"ps24511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">In-Model Adjustments: Hierbei handelt es sich um Anpassungen, die innerhalb des IFRS 9 Modells erfolgen. Dies </span></div><div class=\"ps24512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">umfasst die Anpassung von Modellinputs, Modellparametern oder Ad-hoc-Anpassungen des Modells und der </span></div><div class=\"ps24513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellkalibrierung (wobei die \u00c4nderung von Modellparametern wie LGD und PD durch die Einbeziehung </span></div><div class=\"ps24514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zukunftsgerichteter makro\u00f6konomischer Informationen nicht als Management Overlay gilt). </span></div><div class=\"ps24515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ESG-Faktoren sind in der ECL-Modellierung noch nicht explizit inkludiert. Sie flie\u00dfen jedoch \u00fcber Overlays in die Berechnung ein. </span></div><div class=\"ps24516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Signifikante Erh\u00f6hung des Kreditrisikos<span id=\"i20151d17f4eb4957b50e0c48db2e7c07\"></span></span></div><div class=\"ps24517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI sieht die Erh\u00f6hung des Kreditrisikos eines Finanzinstruments dann als signifikant an, wenn eines oder mehrere der </span></div><div class=\"ps24518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden quantitativen, qualitativen oder Backstop-Kriterien erf\u00fcllt sind: </span></div><div class=\"ps24519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Quantitative Kriterien<span id=\"i9c29486dd8044f918915448813775d9f\"></span></span></div><div class=\"ps24520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den Rating-Systemen der RBI werden die verf\u00fcgbaren quantitativen und qualitativen Informationen mit Relevanz f\u00fcr die </span></div><div class=\"ps24521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognose des Kreditrisikos zur PD verdichtet. Dieser Gr\u00f6\u00dfe liegen insbesondere eine statistisch fundierte Auswahl und </span></div><div class=\"ps24522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtung aller verf\u00fcgbaren Indikatoren zugrunde. Weiterhin flie\u00dfen in der gem\u00e4\u00df den IFRS-9-Anforderungen adjustierten PD </span></div><div class=\"ps24523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">neben historischen Informationen und dem aktuellen wirtschaftlichen Umfeld insbesondere auch zukunftsorientierte </span></div><div class=\"ps24524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen, wie z. B. die Prognose der Entwicklung der makro\u00f6konomischen Rahmenbedingungen, ein. Folgerichtig </span></div><div class=\"ps23766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verwendet die RBI die PD als Messgr\u00f6\u00dfe f\u00fcr die Beurteilung, ob sich das Kreditrisiko eines Finanzinstruments gegen\u00fcber dem </span></div><div class=\"ps24525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt signifikant erh\u00f6ht hat. Durch die Verankerung der \u00dcberpr\u00fcfung des relativen Transferkriteriums in den </span></div><div class=\"ps24526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konzernweit etablierten Verfahren und Prozessen des Kreditrisikomanagements wird eine zuverl\u00e4ssige und zeitnahe <span class=\"f ps24\"> </span></span></div><div class=\"ps24527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Identifikation signifikanter Risikoerh\u00f6hungen sichergestellt. Die \u00dcberpr\u00fcfung, ob am Berichtsstichtag eine signifikante Erh\u00f6hung </span></div><div class=\"ps24528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Ausfallrisikos gegen\u00fcber dem Zugangszeitpunkt des betreffenden Finanzinstruments vorliegt, erfolgt zum Berichtsstichtag </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">grunds\u00e4tzlich durch einen Vergleich der beobachteten Ausfallwahrscheinlichkeit \u00fcber die Restlaufzeit des Finanzinstruments </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Lifetime-PD) mit der im Zugangszeitpunkt erwarteten Lifetime-PD \u00fcber denselben Zeitraum. Aufgrund der unterschiedlichen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Natur der Produkte von Non-Retail- und Retail-Kund:innen unterscheiden sich die Methoden zur Bestimmung einer signifikanten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos geringf\u00fcgig. </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um die zwei Kurven f\u00fcr das Kreditrisiko von Non-Retail-Kund:innen vergleichbar zu machen, werden die PDs zu annualisierten </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">PDs reduziert. Ein relativer Anstieg der PD um mindestens 250 Prozent wird als signifikante Erh\u00f6hung des Kreditrisikos </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interpretiert. Bei l\u00e4ngeren Laufzeiten wird die Schwelle von 250 Prozent reduziert, um den Laufzeiteffekt zu ber\u00fccksichtigen. </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Retail-Forderungen werden die kumulierten Restlaufzeit-PDs verglichen. Dabei wird, bedingt auf das \u00dcberleben bis zum </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stichtag, die Logit-Differenz (i.e. Logit ist in der Statistik der nat\u00fcrliche Logarithmus einer Chance) zwischen der Lifetime-PD </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Stichtag und der Lifetime-PD zum urspr\u00fcnglichen Buchungszeitpunkt verglichen. Hierbei wird im Allgemeinen dann von </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem signifikanten Anstieg des Kreditrisikos ausgegangen, wenn ein relativer Anstieg der kumulierten Restlaufzeit-PD \u00fcber </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Schwellenwert liegt. Die Schwellenwerte werden getrennt f\u00fcr jedes Portfolio, das durch individuelle </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratingbasierte Lifetime-PD-Modelle abgedeckt wird, berechnet. Dabei werden die Schwellenwerte basierend auf historischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten als ein bestimmtes Quantil der Verteilung der oben genannten Logit-Differenzen auf das sich verschlechternde Portfolio <span class=\"f ps24\"> </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(gruppiert nach L\u00e4ndern und Produkten wie Hypothekarkredite, Kreditkarten und SME-Kredite) gesch\u00e4tzt. Das bedeutet in der </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regel eine vom Ausfallverhalten der verschiedenen Portfolios abh\u00e4ngige PD-Erh\u00f6hung zwischen 150 und 250 Prozent.</span></div><div class=\"ps24530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualitative Kriterien<span id=\"id9af93b40f6f4528999e37eb8eed006b\"></span></span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet f\u00fcr alle wesentlichen Portfolios zus\u00e4tzlich zu quantitativen Kriterien auch qualitative, um eine signifikante </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos eines Finanzinstruments festzustellen. </span></div><div class=\"ps3372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, Kreditinstitute und Projektfinanzierung findet ein Transfer in </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 2 statt, wenn den Kreditnehmer eines oder mehrere der folgenden Kriterien betreffen: </span></div><div class=\"ps24531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erkennung einer Verschlechterung der Kreditw\u00fcrdigkeit im Early-Warning-System</span></div><div class=\"ps24532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen von Vertragsbedingungen im Rahmen einer Forbearance-Ma\u00dfnahme</span></div><div class=\"ps24534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Externe Risikofaktoren mit einem potenziell signifikanten Einfluss auf die R\u00fcckzahlungsf\u00e4higkeit der </span><span class=\"f charStyle-9eccfdcb ps24533\">Kund:innen</span></div><div class=\"ps24535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, </span></div><div class=\"ps24537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitute und Projektfinanzierung durchgef\u00fchrt. </span></div><div class=\"ps24538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Retail-Portfolios wird ein Stage-2-Transfer auf Basis folgender qualitativer Kriterien durchgef\u00fchrt, das hei\u00dft, wenn der </span></div><div class=\"ps24539 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmer eines oder mehrere der folgenden Kriterien erf\u00fcllt: </span></div><div class=\"ps24540 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Forbearance Flag aktiv</span></div><div class=\"ps24541 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ausfall eines materiellen Exposures (&gt;20 Prozent vom Gesamtexposure) derselben Kund:innen auf einem anderen </span></div><div class=\"ps24542 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Produkt (PI Segment)</span></div><div class=\"ps24543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Holistic Approach \u2013 anwendbar f\u00fcr F\u00e4lle, in denen neue zukunftsorientierte Informationen f\u00fcr ein Segment oder einen </span></div><div class=\"ps24544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Teil des Portfolios verf\u00fcgbar werden und diese Informationen noch nicht im Ratingsystem erfasst sind. Bei </span></div><div class=\"ps24545 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Identifikation solcher F\u00e4lle bewertet das Management dieses Portfolio mit den \u00fcber die gesamte Laufzeit </span></div><div class=\"ps24546 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">erwarteten Kreditverlusten (als kollektive Bewertung).</span></div><div class=\"ps24547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Retail-Kundenportfolios durchgef\u00fchrt. </span></div><div class=\"ps24549 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Backstop Kriterien<span id=\"ieab3601c46a840f78ffd363ad323dbf9\"></span></span></div><div class=\"ps4911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Backstop wird angewendet und eine signifikante Erh\u00f6hung des Kreditrisikos eines Finanzinstruments angenommen, wenn </span></div><div class=\"ps4912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Zahlungen mehr als 30 Tage \u00fcberf\u00e4llig sind. In Ausnahmef\u00e4llen besteht die M\u00f6glichkeit die 30-Tage Regelung zu </span></div><div class=\"ps4913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">widerlegen, jedoch wird diese Ausnahme in der RBI nicht angewendet.</span></div><div class=\"ps24550 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausnahme f\u00fcr niedrige Ausfallrisiken<span id=\"i2046a82267a54d92b2626962b56209cd\"></span></span></div><div class=\"ps24551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In ausgew\u00e4hlten F\u00e4llen f\u00fcr staatliche Schuldverschreibungen macht die RBI von der Ausnahmeregelung f\u00fcr Finanzinstrumente </span></div><div class=\"ps24552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit geringem Kreditrisiko Gebrauch. All jene Wertpapiere, die als geringes Kreditrisiko eingestuft werden, haben ein Rating, das </span></div><div class=\"ps24553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mindestens einem Investment-Grade-Rating entspricht, d. h. mindestens Standard &amp; Poor's BBB-, Moody's Baa3 oder Fitch BBB-. </span></div><div class=\"ps24554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Kreditgesch\u00e4ft ist diese Ausnahmeregelung nicht anwendbar.</span></div><div class=\"ps24555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Definition der Begriffe Ausfall und wertgeminderte Verm\u00f6genswerte<span id=\"ic3b68ba2e1dd40379558ee16897782a0\"></span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Berechnung der erwarteten Kreditverluste gem\u00e4\u00df IFRS 9 verwendet die RBI dieselbe Ausfallsdefinition wie f\u00fcr die CRR-</span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenmittelrechnung. Das hei\u00dft eine ausgefallene Forderung ist auch in Stage 3. Der Ausfall wird anhand quantitativer und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">qualitativer Kriterien beurteilt. Als ausgefallen gilt ein Kredit, erstens wenn vertragliche Zahlungen mehr als 90 Tage \u00fcberf\u00e4llig </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Zweitens gilt ein Kredit als ausgefallen, wenn es zu erheblichen finanziellen Schwierigkeiten kommt und es <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwahrscheinlich ist, dass den Zahlungsverpflichtungen nachgekommen wird. Die Definition eines Ausfalls wurde in den </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnungen der erwarteten Kreditverluste der RBI zur Abbildung der Ausfallwahrscheinlichkeit (PD), des ausstehenden </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrags zum Zeitpunkt des Ausfalls (EAD) sowie der Verlustquote bei Ausfall (LGD) einheitlich angewendet. </span></div><div class=\"ps16059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erl\u00e4uterung der Input-Daten, Annahmen und Sch\u00e4tztechniken<span id=\"i7cd82382d6984fa192eea97210231401\"></span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust wird entweder auf der Basis einer Zw\u00f6lf-Monats-Betrachtung oder einer Betrachtung der \u00fcber die </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Restlaufzeit erwarteten Kreditverluste berechnet \u2013 je nachdem, ob seit dem erstmaligen Ansatz eine signifikante Erh\u00f6hung des <span class=\"f ps24\"> </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisikos eingetreten ist, oder ob ein Verm\u00f6genswert als wertgemindert angesehen wird. Zukunftsorientierte <span class=\"f ps24\"> </span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wirtschaftliche Informationen werden ebenfalls in die Bestimmung der PD, EAD und LGD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jener f\u00fcr die Gesamtlaufzeit einbezogen. Diese Annahmen unterscheiden sich je nach Produktart. Die erwarteten Kreditverluste </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind das diskontierte Produkt aus der Ausfallwahrscheinlichkeit (PD), der Verlustquote bei Ausfall (LGD), dem ausstehenden </span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag zum Zeitpunkt des Ausfalls (EAD) und dem Diskontierungsfaktor (Discount Factor, D). </span></div><div class=\"ps24556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausfallwahrscheinlichkeit (PD)<span id=\"i465ca4ed013b4867af80a8b6d695a750\"></span></span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit, mit der ein Kreditnehmer entweder innerhalb der n\u00e4chsten zw\u00f6lf </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monate oder in der gesamten Restlaufzeit seinen Zahlungsverpflichtungen nicht nachkommen kann. Im Allgemeinen wird die </span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeit \u00fcber die Laufzeit ausgehend von der regulatorischen Zw\u00f6lf-Monats-Ausfallwahrscheinlichkeit </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechnet, bereinigt um jegliche konservativen Anpassungen. Danach werden verschiedene statistische Methoden zur </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einsch\u00e4tzung der Entwicklung des Ausfallprofils vom Zeitpunkt des erstmaligen Ansatzes \u00fcber die Gesamtlaufzeit des Kredits </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder des Kreditportfolios angewendet. Das Ausfallsprofil beruht auf historischen beobachteten Daten.</span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung des Ausfallprofils ausstehender Kreditbetr\u00e4ge wurden verschiedene Modelle verwendet, die sich in die folgenden </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kategorien zusammenfassen lassen:</span></div><div class=\"ps24559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-525aaa30 ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen und Finanzinstitute: Das Ausfallprofil wird unter Verwendung eines </span></div><div class=\"ps24560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">parametrischen \u00dcberlebensregressionsansatzes (Burr-Typ 12 und Weibull) erstellt. Zukunftsorientierte Informationen </span></div><div class=\"ps24561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen. Die Kalibrierung der </span></div><div class=\"ps24562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallwahrscheinlichkeiten wird bereinigt f\u00fcr k\u00fcrzere Laufzeiten und fr\u00fchzeitige R\u00fcckzahlungen.</span></div><div class=\"ps24563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Das Ausfallprofil wird mithilfe einer parametrischen </span></div><div class=\"ps24564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">\u00dcberlebensregression in einem konkurrierenden Risikorahmen erstellt. Zukunftsorientierte Informationen werden </span></div><div class=\"ps24565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">unter Verwendung von Satellitenmodellen in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor, Kommunal- und Regionalregierungen, Versicherungen und Organismen f\u00fcr gemeinsame Anlagen </span></div><div class=\"ps24567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">in Wertpapieren (OGAW): Das Ausfallprofil wird mithilfe eines \u00dcbergangsmatrix-Ansatzes erstellt. Zukunftsorientierte </span></div><div class=\"ps24568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Informationen werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig verf\u00fcgbar sind, werden f\u00fcr die Berechnung die Techniken </span></div><div class=\"ps24570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Gruppierung, der Mittelung und des Benchmarkings der Input-Daten verwendet. </span></div><div class=\"ps24571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verlustquote bei Ausfall (LGD)<span id=\"i1e99888e28764a37b8b187e442df7dc8\"></span></span></div><div class=\"ps24572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verlustquote bei Ausfall entspricht der Erwartung der RBI bez\u00fcglich der Verlusth\u00f6he bei einem Forderungsausfall. Sie </span></div><div class=\"ps24573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden bei Ausfall als prozentualer Verlust pro Einheit des ausstehenden Betrags zum Zeitpunkt des Ausfalls ausgedr\u00fcckt. </span></div><div class=\"ps24574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verschiedene Modelle werden zur Sch\u00e4tzung der Verlustquote ausstehender Kreditforderungen verwendet. Sie lassen sich in </span></div><div class=\"ps24575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Kategorien zusammenfassen:</span></div><div class=\"ps24576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, Finanzinstitute, Kommunal- und Regionalregierungen, Versicherungen: Die </span></div><div class=\"ps24577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verlustquote bei Ausfall wird durch die Diskontierung von Cash-Flows berechnet, die w\u00e4hrend des Workout-</span></div><div class=\"ps24578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Prozesses eingetrieben werden. Zukunftsorientierte Informationen werden unter Verwendung eines Ein-Faktor-</span></div><div class=\"ps24579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modells in die Verlustquote bei Ausfall einbezogen. W\u00e4hrend Immobiliensicherheiten direkt bei der Reduktion des </span></div><div class=\"ps24580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ausstehenden Forderungswerts ber\u00fccksichtigt werden, haben andere Sicherheiten bereits bei der Modellierung im </span></div><div class=\"ps24581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">statistischen Mittelwert des LGD einen reduzierenden Effekt.</span></div><div class=\"ps24582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Die Verlustquote bei Ausfall wird berechnet, indem die regulatorische </span></div><div class=\"ps24583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote um Anpassungen f\u00fcr einen Konjunkturabschwung und andere konservative Abschl\u00e4ge bereinigt wird. </span></div><div class=\"ps24584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Zukunftsorientierte Informationen werden unter Verwendung von verschiedenen Satellitenmodellen in die </span></div><div class=\"ps24585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote einbezogen.</span></div><div class=\"ps24586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor: Die Ausfallquote wird mithilfe marktimpliziter Quellen ermittelt.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Je nach Art des Kreditunternehmens (Bank/Leasing) kommen unterschiedliche LGD-Sch\u00e4tzungen zum Einsatz. </span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur Verf\u00fcgung stehen, werden alternative Recovery-</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle, das Benchmarking von Input-Daten sowie die Fachmeinung von Experten f\u00fcr die Berechnung herangezogen.</span></div><div class=\"ps24588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausstehender Betrag zum Zeitpunkt des Ausfalls (EAD)<span id=\"ib6d46c78acf447c9bbcf66c9abe28027\"></span></span></div><div class=\"ps24589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der ausstehende Betrag zum Zeitpunkt des Ausfalls entspricht jenem Betrag, den die RBI zum Zeitpunkt des Ausfalls als </span></div><div class=\"ps24590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehend erwartet. Das EAD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und die Gesamtlaufzeit werden auf Grundlage des erwarteten </span></div><div class=\"ps13919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsprofils ermittelt, das sich je nach Vertrag unterscheidet. F\u00fcr amortisierende Produkte und f\u00fcr endf\u00e4llige Kredite beruht </span></div><div class=\"ps13920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses auf den vertraglichen R\u00fcckzahlungen, die der Kreditnehmer \u00fcber einen Zeitraum von zw\u00f6lf Monaten oder \u00fcber die </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtlaufzeit schuldet. Sofern nicht schon im Rahmen der PD-Sch\u00e4tzung \u00fcber die Kreditlaufzeit ber\u00fccksichtigt, werden </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen bez\u00fcglich vorzeitiger (vollst\u00e4ndiger) R\u00fcckzahlung oder Refinanzierung ebenfalls bei der Berechnung ber\u00fccksichtigt.</span></div><div class=\"ps24591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr revolvierende Produkte wird der ausstehende Betrag zum Zeitpunkt des Ausfalls so bestimmt, dass zum momentan </span></div><div class=\"ps24592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezogenen Betrag die erwartete Inanspruchnahme des verbleibenden Limits addiert wird. Dieser zus\u00e4tzliche Betrag ist das </span></div><div class=\"ps24593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Produkt aus dem verbleibenden Limit und dem Kreditkonversionsfaktor. Der Kreditkonversionsfaktor wird um die </span></div><div class=\"ps24594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorischen Sicherheitsmargen bereinigt. In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur </span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgung stehen, wird ein Benchmarking der Input-Daten f\u00fcr die Berechnung verwendet.</span></div><div class=\"ps24596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Diskontierungsfaktor (D)<span id=\"i78e949bab2ac459fa1f524fb8c26f3bf\"></span></span></div><div class=\"ps24597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr finanzielle Verm\u00f6genswerte und au\u00dferbilanzielle Verm\u00f6genswerte, bei denen es sich nicht um Leasing oder POCI handelt, </span></div><div class=\"ps24598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist der bei der Berechnung des erwarteten Kreditverlusts verwendete Diskontierungsfaktor aus dem Effektivzinssatz abgeleitet </span></div><div class=\"ps24599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder ein N\u00e4herungswert davon.</span></div><div class=\"ps24600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Berechnung<span id=\"i96b390bf8a8f46b3bced9e86e26c7818\"></span></span></div><div class=\"ps21076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust f\u00fcr Stage 1 und 2 ist das Produkt aus PD, LGD und EAD, multipliziert mit der Wahrscheinlichkeit, nicht </span></div><div class=\"ps21077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor dem betreffenden Zeitraum auszufallen. Letzteres wird durch die \u00dcberlebensfunktion S ausgedr\u00fcckt. Die dadurch </span></div><div class=\"ps21080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechneten zuk\u00fcnftigen Werte erwarteter Kreditverluste werden sodann auf den Berichtszeitpunkt diskontiert und summiert. </span></div><div class=\"ps21081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ergebnisse daraus werden schlie\u00dflich je nach zukunftsorientiertem Szenario gewichtet.</span></div><div class=\"ps24601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung der Wertminderungen f\u00fcr Stage 3 werden verschiedene Modelle verwendet, die sich in die folgenden Kategorien </span></div><div class=\"ps21083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammenfassen lassen:</span></div><div class=\"ps24602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, \u00f6ffentlicher Sektor, Finanzinstitute, Kommunal- und Regionalregierungen, </span></div><div class=\"ps24603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungen und Organismen f\u00fcr gemeinsame Anlagen in Wertpapieren: Die Wertminderung der Stage 3 wird von </span></div><div class=\"ps24604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Workout-Managern berechnet, die die erwarteten Cash-Flows mit dem geeigneten Effektivzinssatz diskontieren.</span></div><div class=\"ps24605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr Retail-Forderungen werden Wertminderungen der Stage 3 bei der Mehrheit der Konzerneinheiten durch die </span></div><div class=\"ps24606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Berechnung der statistisch abgeleiteten besten Sch\u00e4tzung des erwarteten Verlusts, bereinigt um indirekte Kosten, </span></div><div class=\"ps24607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ermittelt.</span></div><div class=\"ps24608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Gemeinsame Ausfallrisikoeigenschaften in Gruppen<span id=\"i367ddd3d5ec54550ab106c01c99166fd\"></span></span></div><div class=\"ps24609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Retail-Wertminderungen der Stage 1, Stage 2 und Stage 3 werden kollektiv bewertet. F\u00fcr die Non-Retail-Gesch\u00e4fte der </span></div><div class=\"ps24610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 3 werden die Wertminderungen einzeln bewertet. F\u00fcr die Bemessung der erwarteten Kreditverluste auf kollektiver Basis </span></div><div class=\"ps24611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird eine Gruppierung von Risikopositionen auf Grundlage gemeinsamer Kreditrisikomerkmale (im Sinn von </span></div><div class=\"ps24612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallrisikoeigenschaften) durchgef\u00fchrt, sodass die Risikopositionen innerhalb jeder Gruppe \u00e4hnlich sind. </span></div><div class=\"ps20385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Charakteristika von Retail-Krediten sind auf Ebene der L\u00e4nder, der Kundenklassifizierungen (Haushalte und Klein- und </span></div><div class=\"ps20386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mittelbetriebe), der Produkte (z. B. Hypotheken, pers\u00f6nliche Darlehen, Kontokorrentkredite oder Kreditkarten), der Rating-Stufen </span></div><div class=\"ps20387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die Ausfallwahrscheinlichkeit und der LGD-Pools zusammengefasst. Jede Kombination der aufgez\u00e4hlten Charakteristika </span></div><div class=\"ps24613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird als Gruppe mit einheitlichem erwartetem Verlustprofil betrachtet. </span></div><div class=\"ps24614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Non-Retail-Gesch\u00e4fte werden nach Rating-Stufen und Kundensegmenten einer Ausfallwahrscheinlichkeit zugeordnet. Dabei </span></div><div class=\"ps24615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden Kundentypen zu einzelnen Ratingmodellen zusammengefasst. F\u00fcr die Ermittlung der LGD- und EAD-Parameter wird das </span></div><div class=\"ps24616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio nach L\u00e4ndern gruppiert. </span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zukunftsorientierte Informationen<span id=\"i54759fc0145e4429af45db728217425d\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grunds\u00e4tzlich werden bei der IFRS-9-spezifischen Sch\u00e4tzung der Risikoparameter neben historischen Ausfallinformationen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere auch das aktuelle wirtschaftliche Umfeld sowie zukunftsorientierte Informationen ber\u00fccksichtigt. Insbesondere </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden dabei makro\u00f6konomische Prognosen der RBI regelm\u00e4\u00dfig im Hinblick auf ihre Auswirkungen auf die H\u00f6he des ECL </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gepr\u00fcft und in die ECL-Ermittlung einbezogen. </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der signifikanten Erh\u00f6hung des Kreditrisikos und die Berechnung der erwarteten Kreditverluste beziehen beide </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch zukunftsorientierte Informationen mit ein. Die RBI hat historische Analysen durchgef\u00fchrt und makro\u00f6konomische </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schl\u00fcsselfaktoren identifiziert, die sich auf das Kreditrisiko und die erwarteten Kreditverluste auswirken. </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese \u00f6konomischen Variablen und ihre Auswirkungen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterscheiden sich je nach Kategorie. Prognosen f\u00fcr diese \u00f6konomischen Variablen (das \u00f6konomische Basis-Szenario) werden </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">quartalsweise von Raiffeisen Research zur Verf\u00fcgung gestellt und vermitteln ein Best-Estimate-Bild der Volkswirtschaft in den </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">n\u00e4chsten drei Jahren. Jenseits von drei Jahren wird keine makro\u00f6konomische Anpassung durchgef\u00fchrt. Das hei\u00dft f\u00fcr den </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum \u00fcber diese drei Jahre hinaus wurde zur Prognose der \u00f6konomischen Variablen f\u00fcr die gesamte Restlaufzeit jedes </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instruments ein Mittelwertr\u00fcckkehr-Ansatz (Mean Reversion) verwendet. Demnach tendieren \u00f6konomische Variablen bis zur </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00e4lligkeit entweder zu einem langfristigen Durchschnittswert oder zu einer langfristigen Durchschnitts-Wachstumsrate. Die </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen dieser \u00f6konomischen Variablen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall wurden mithilfe </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">statistischer Regressionen bestimmt, um daraus die historischen Auswirkungen der \u00c4nderungen dieser Variablen auf die </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallraten und die Komponenten der Verlustquote bei Ausfall zum Zeitpunkt des Ausfalls zu erkennen. </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zum Basis-Szenario sch\u00e4tzt Raiffeisen Research auch ein optimistisches und ein pessimistisches Szenario, um </span></div><div class=\"ps16739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sicherzustellen, dass die Nichtlinearit\u00e4t des ECL in Abh\u00e4ngigkeit der Makro\u00f6konomie erfasst wird. </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die pessimistischen und optimistischen Szenarien wurde die Methodik aufgrund der diversen hohen Unsicherheiten </span></div><div class=\"ps16741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepasst. So wie alle \u00f6konomischen Vorhersagen unterliegen auch die hier beschriebenen Prognosen und </span></div><div class=\"ps16742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eintrittswahrscheinlichkeiten einer hohen inh\u00e4renten Unsicherheit. Die tats\u00e4chlichen Ergebnisse k\u00f6nnen somit erheblich von den </span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten abweichen. RBI sieht diese Prognosen jedoch als die bestm\u00f6gliche Sch\u00e4tzung der k\u00fcnftigen Ergebnisse an, die <span class=\"f ps24\"> </span></span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch allf\u00e4llige Nichtlinearit\u00e4ten und Asymmetrien in den verschiedenen Portfolios des Konzerns abdecken.</span></div><div class=\"ps24620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Nachstehend sind die wichtigsten makro\u00f6konomischen Annahmen der wesentlichsten L\u00e4nder, die f\u00fcr Sch\u00e4tzungen der </span></span></div><div class=\"ps24622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Kreditverluste zum Ende des Jahres verwendet wurden, angegeb</span></span><span class=\"f charStyle-9eccfdcb ps24621\">en. (Quelle: Raiffeisen Research, November 2025, </span></div><div class=\"ps24623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">exklusive Ukraine).</span></div><div class=\"ps24757 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24626\">Arbeitslosigkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">6,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17131\"></span><span class=\"ps17131\">-0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19532\"></span><span class=\"ps19532\">-1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23812\"></span><span class=\"ps23812\">-0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">8,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">9,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17702\"></span><span class=\"ps17702\">-0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps23265\">Langfristiger Anleihenzinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24759\">Immobilienpreise<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17780\"></span><span class=\"ps17780\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24760\"></span><span class=\"ps24760\">0,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18777\"></span><span class=\"ps18777\">11,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">9,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">9,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17766\"></span><span class=\"ps17766\">22,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15649\"></span><span class=\"ps15649\">12,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12560\"></span><span class=\"ps12560\">10,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">13,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">13,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24761\"></span><span class=\"ps24761\">11,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10683\"></span><span class=\"ps10683\">11,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">9,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">9,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24762\"></span><span class=\"ps24762\">12,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">8,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">7,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24765 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps20713\">Verbraucherpreisindex<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22283\"></span><span class=\"ps22283\">12,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23322\"></span><span class=\"ps23322\">13,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">8,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7310\"></span><span class=\"ps7310\">14,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21660\"></span><span class=\"ps21660\">10,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">6,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24764\"></span><span class=\"ps24764\">10,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufgrund des andauernden Krieges wurde f\u00fcr die Ukraine das optimistische Szenario nicht miteinbezogen. Des weiteren basiert </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das pessimistische Szenario nicht auf dem mathematischen Ansatz, der von Raiffeisen Research ver\u00f6ffentlicht wird, sondern </span></span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf einer narrativen Darstellung und wird mit 50 Prozent gewichtet. </span></span><span class=\"f charStyle-9eccfdcb ps24767\">Da f\u00fcr die Ukraine historische Daten nicht repr\u00e4sentativ </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind beziehungsweise aufgrund der aktuellen Umst\u00e4nde teilweise nicht zur Verf\u00fcgung stehen, wurden in die ukrainische ECL-</span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung ein abgeleitetes reales BIP und ein abgeleiteter kurzfristiger Zinssatz als makro\u00f6konomische Inputparameter </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einbezogen.</span></div><div class=\"ps24768 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12387\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19508\"></span><span class=\"ps19508\">13,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17913\"></span><span class=\"ps17913\">-14,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17532\"></span><span class=\"ps17532\">-8,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps458\"></span><span class=\"ps458\">-3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19510\"></span><span class=\"ps19510\">22,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">18,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7260\"></span><span class=\"ps7260\">17,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Modellentwicklung wurde eine Vielzahl makro\u00f6konomischer Variablen analysiert und die wesentlichen wurden f\u00fcr das </span></div><div class=\"ps24770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modell herangezogen. Das verwendete Modell ist ein Regressionsmodell mit dem Ziel, Ver\u00e4nderungen bzw. die H\u00f6he der </span></div><div class=\"ps24771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallquote zu erkl\u00e4ren. Die folgenden Arten von Makrovariablen wurden als Treiber des Kreditzyklus betrachtet: Reales BIP-</span></div><div class=\"ps24772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wachstum, Arbeitslosenquote, 3-Monats-Geldmarktzins, Rendite 10-j\u00e4hriger Staatsanleihen, der Renditespread 10-j\u00e4hriger </span></div><div class=\"ps24773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Staatsanleihen gegen\u00fcber Deutschland, Hauspreisindex, Wechselkurse und Verbraucherpreisindex. F\u00fcr jedes Land (oder jedes </span></div><div class=\"ps24774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio im Fall von Retail-Exposures) werden spezifische Regeln zur Erkl\u00e4rung historisch beobachteter Ausfallraten bestimmt. </span></div><div class=\"ps24775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrend des Kreditzyklus werden PDs mit den Ergebnissen des makro\u00f6konomischen Modells \u00fcberlagert, um den aktuellen und </span></div><div class=\"ps24776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Zustand der Wirtschaft widerzuspiegeln. F\u00fcr Firmenkunden wird zus\u00e4tzlich je nach Industrie der Zustand im </span></div><div class=\"ps24777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzyklus ber\u00fccksichtigt. W\u00e4hrend f\u00fcr Firmenkunden in Industrien mit neutralem Ausblick keine weitere Anpassung der </span></div><div class=\"ps24778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makromodelle vorgenommen wird, wird f\u00fcr Firmenkunden in Industrien mit schlechtem Ausblick das erwartete Kreditrisiko als </span></div><div class=\"ps24779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich erh\u00f6ht angenommen. F\u00fcr Non-Retail-Exposures wird f\u00fcr die LGD das Makromodell auf die zugrunde liegenden </span></div><div class=\"ps24780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesundungsraten angewendet, d. h. ein positiver makro\u00f6konomischer Ausblick treibt die Gesundungsraten in die H\u00f6he und dies </span></div><div class=\"ps24781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">reduziert die LGD. F\u00fcr Retail-Exposures wird die Workout-LGD in \u00e4hnlicher Weise wie die Ausfallraten entweder direkt oder </span></div><div class=\"ps13688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich \u00fcber die Komponenten wie Gesundungsraten, Verlust bei Gesundung sowie Verlust bei Nichtgesundung modelliert. </span></div><div class=\"ps24782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die langfristigen durchschnittlichen LGDs werden mit den Ergebnissen der Makromodelle \u00fcberlagert, um die aktuelle und </span></div><div class=\"ps24783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Wirtschaftslage widerzuspiegeln. Den einzelnen Szenarien wurden zum Ende des Berichtsjahres folgende </span></div><div class=\"ps24784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtungen zugeteilt: optimistisches Szenario 25 Prozent, Basis-Szenario 50 Prozent, pessimistisches Szenario 25 Prozent. </span></div><div class=\"ps24785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden sind folgende auf aktuelle wirtschaftliche und politische Entwicklungen zur\u00fcckzuf\u00fchrende Risiken und </span></span></div><div class=\"ps24786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplikationen in den makro\u00f6konomischen Modellen ber\u00fccksichtigt. Historisch hohe Inflationsraten in Kombination mit </span></span></div><div class=\"ps24787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6heren Leitzinsen f\u00fchrten zu einem Anstieg der Finanzierungskosten von Firmen. Diese Entwicklung wird in den Modellen </span></span></div><div class=\"ps24788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">wichtiger Portfoliosegmente mit der Ver\u00e4nderung des 3-Monate-Geldmarktzinses sowie der Rendite von Staatsanleihen </span></span></div><div class=\"ps24789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfasst, die zu einem Anstieg des prognostizierten Ausfallsrisikos f\u00fchrt. Zwar k\u00f6nnen hohe Inflationsraten in bivariaten Analysen </span></span></div><div class=\"ps24790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit h\u00f6herem Ausfallsrisiko assoziiert sein, die zugrunde liegenden Mechanismen sind aber die von Inflation verursachten </span></span></div><div class=\"ps24791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zinserh\u00f6hungen sowie ein oft gleichzeitig auftretendes tendenziell niedrigeres Wirtschaftswachstum. Diese Mechanismen sind </span></span></div><div class=\"ps24792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den Modellen \u00fcber reales Wirtschaftswachstum und Zinsver\u00e4nderungen direkt abgedeckt. Aus makro\u00f6konomischer Sicht </span></span></div><div class=\"ps24793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">waren die COVID-Pandemie und ihre Folgen von extremer Volatilit\u00e4t gepr\u00e4gt, mit starken Reduktionen des realen BIP und </span></span></div><div class=\"ps24794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anschlie\u00dfend ebenso starkem Wirtschaftswachstum. Im Gegensatz zu vergleichbaren Rezessionen nach der Finanzkrise sind </span></span></div><div class=\"ps24795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diese Entwicklungen nicht mit einer Welle von Insolvenzen und Kreditausf\u00e4llen einhergegangen. Das ist auf zwei Ursachen </span></span></div><div class=\"ps24796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zur\u00fcckzuf\u00fchren. Zum einen war die COVID-bedingte Rezession in erster Linie ein tempor\u00e4res Aussetzen wirtschaftlicher </span></span></div><div class=\"ps24797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aktivit\u00e4t, das wenige strukturelle Anpassungen erfordert hatte. Zum anderen kam es zu massiven unterst\u00fctzenden politischen </span></span></div><div class=\"ps24798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um einen permanenten Effekt (Arbeitslosigkeit, Insolvenz) zu vermeiden. Diese Entwicklungen zeigen, dass der </span></span></div><div class=\"ps24799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zusammenhang zwischen makro\u00f6konomischen Indikatoren und Kreditrisiko von Umst\u00e4nden beeinflusst wird, die quantitativ </span></span></div><div class=\"ps24800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">schwer erfassbar sind. Um zu vermeiden, dass die makro\u00f6konomischen Modelle implizit davon ausgehen, dass ein starker </span></span></div><div class=\"ps15732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">R\u00fcckgang des BIP-Wachstums immer mit massiven staatlichen Gegenma\u00dfnahmen einhergeht - wie es w\u00e4hrend der COVID-19-</span></span></div><div class=\"ps24801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Pandemie beobachtet wurde -, wurden zus\u00e4tzliche Parameter in die Modelle integriert. Diese Anpassungen werden gezielt auf </span></span></div><div class=\"ps24802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Segmente angewendet, in denen w\u00e4hrend der COVID-Phase kein signifikanter Anstieg des Ausfallrisikos zu verzeichnen war. </span></span></div><div class=\"ps24803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dadurch wird sichergestellt, dass die Prognosen des Modells pr\u00e4zise und unverzerrt bleiben.</span></span></div><div class=\"ps24804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundannahme der Anwendung makro\u00f6konomischer Kreditrisikomodelle ist, dass empirische Zusammenh\u00e4nge zwischen </span></div><div class=\"ps24805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">makro\u00f6konomischen Indikatoren und Ausfallrisiko auf zuk\u00fcnftige Ereignisse extrapoliert werden k\u00f6nnen.</span></div><div class=\"ps24806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Management Overlays <span id=\"ia5c4b0d62c1f4d22b061148d7ba6285e\"></span></span></div><div class=\"ps24807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In Situationen, in denen die bestehenden Input-Parameter, Annahmen und Modellierungen nicht alle relevanten neuartigen </span></span></div><div class=\"ps24808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikofaktoren abdecken, stellen Management Overlays eine praktikable L\u00f6sung dar, um eine angemessene Risikovorsorge trotz </span></span></div><div class=\"ps24810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">unzureichender historischer Daten sicherzustellen. </span></span><span class=\"f charStyle-9eccfdcb ps24809\">Dies ist grunds\u00e4tzlich dann der Fall, wenn vor\u00fcbergehende Umst\u00e4nde, </span></div><div class=\"ps24811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zeitliche Engp\u00e4sse, um relevante neue Informationen angemessen in das Rating einzubeziehen, vorliegen und wenn sich </span></div><div class=\"ps24812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelne Kredite innerhalb eines Kreditportfolios anders als urspr\u00fcnglich erwartet entwickeln. Durch die gegebene Situation, </span></div><div class=\"ps24813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere dem Krieg in der Ukraine, und der daraus resultierenden wirtschaftlichen Verwerfungen ist es notwendig, </span></div><div class=\"ps24814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risiken in den Wertminderungen abzubilden. All diese Anpassungen werden lokal von den Tochterunternehmen </span></div><div class=\"ps24815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlossen und zentral durch das Group Risk Committee (GRC) freigegeben. Es kommt zu portfoliospezifischen Anpassungen </span></div><div class=\"ps24816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Kriegs und der damit einhergehenden Sanktionen, die in der Kategorie geopolitisches Risiko dargestellt werden. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ihre Anwendungsdauer ist zeitlich begrenzt, oft f\u00fcr die Dauer spezifischer wirtschaftlicher Krisen oder bis Modelle angepasst </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Ihre Anwendung wird quartalsweise gepr\u00fcft. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr die zentralen Modelle im Bereich der Firmenkunden wird das zus\u00e4tzliche Risiko durch die Anwendung von In-Model </span></span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments (Parameteranpassungen innerhalb des Modells) ber\u00fccksichtigt. Diese Anpassungen k\u00f6nnen an verschiedenen </span></span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellparametern vorgenommen werden, wie z. B. den IFRS 9 PD-Kurven, k\u00fcnftigen Exposure-Profilen, der LGD etc. Die </span></span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bestimmungen f\u00fcr die Anwendung von In-Model Adjustments sind klar geregelt und umfassen unter anderem, erweiterte </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anforderungen an den Nachweis des neuartigen Risikofaktors, eine Analyse potenzieller \u00dcberschneidungen mit bestehenden </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">IFRS 9-Parametern und dem Kreditrisiko-Rating, eine detaillierte Dokumentation und eine starke Governance. Falls das In-Model </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment die angewandte PD erh\u00f6ht, wird dieser h\u00f6here Wert auch f\u00fcr die Staging-Entscheidung herangezogen. Die </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellanpassungen unterliegen regelm\u00e4\u00dfigen \u00dcberpr\u00fcfungen, mindestens jedoch auf viertelj\u00e4hrlicher Basis. Ein In-Model </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment bleibt so lange in Kraft, wie der identifizierte neuartige Risikofaktor fortbesteht und durch die bestehenden Modelle </span></span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht vollst\u00e4ndig abgebildet wird. </span></span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Im Retail Segment wurden ebenfalls In-Model Adjustments implementiert, sofern diese als geeignet angesehen wurden </span></span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dennoch blieben Post-Model Adjustments der vorherrschende Ansatz zur Adressierung neu auftretender Risiken. Diese Overlays </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden zus\u00e4tzlich zu den bestehenden Modellen angewandt, um die erwarteten Kreditverluste zu berechnen. Obwohl Post-</span></span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Model Adjustments als tempor\u00e4re Ma\u00dfnahmen betrachtet werden - mit einer \u00fcblichen G\u00fcltigkeit von ein bis zwei Jahren -, </span></span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dienen sie als Schutzma\u00dfnahme gegen potenzielle Verzerrungen. Sofern die identifizierten Risiken \u00fcber einen l\u00e4ngeren Horizont </span></span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">fortbestehen, werden sie durch Modellaktualisierungen oder Anpassungen der Modell-Inputs (einschlie\u00dflich In-Model </span></span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments) adressiert. Damit wird sichergestellt, dass die Modelle das sich entwickelnde Risikoprofil angemessen erfassen. </span></span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Overlays sind in nachfolgender Tabelle nach den relevanten Kategorien dargestellt. </span></div><div class=\"ps24864 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1368\"><div><div class=\"ps5730 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss185\"><div><div class=\"ps18991 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps9380\">Non-Retail Overlays</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps21353\">Retail Overlays</span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss1370\"><div><div class=\"ps18991 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2997 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24819 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24820 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24821 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24822 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24823 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24824 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24825 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24826 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24827 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps2768\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24828 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24829 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17895\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24830 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24831 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24832 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24206\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20227\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24833 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24834 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24835 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24836 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24837 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24233\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21345\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24838 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24839 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24840 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24841 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24842 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19921\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24843\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24844 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1085\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24845 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19689\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24847 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24846\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24848 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19286\">524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24255 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24850 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24851 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24852 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps23786\">79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24853 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17760\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24854 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20866\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5434 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24856 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps24855\">563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24858 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24857\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24859 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24860 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21541\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps15125\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24863 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24862\">976<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24901 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps24865\">Sonstige Risikofaktoren<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps17584\">Post-Model-Adjustments<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14916 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24866 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24867 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24868 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14924 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24869 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24870 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22999\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14936 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24872 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24873 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24874 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20563\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21402\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24876 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24877 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24878 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24879 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24244\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10755\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22299 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24882 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24883 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20390\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10638\">195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24886\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24887 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24889 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24888\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24890 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1506 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20214\">559<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19410\">248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24892 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24893\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24895 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17759\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1518 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19280\">350<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24896 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps20518\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22319 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24897 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps505\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24899 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17727\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1531 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24900\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zus\u00e4tzlich zu dem modellierten ECL (vor In-Model Adjustments) wurden Overlays in Stage 1 und Stage 2 in H\u00f6he von \u20ac 413 </span></span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Millionen (Vorjahr: \u20ac 467 Millionen) ber\u00fccksichtigt. Davon entfielen \u20ac 89 Millionen (Vorjahr: \u20ac 196 Millionen) auf die Auswirkungen </span></span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Krieges in der Ukraine und \u20ac\u00a0324 Millionen (Vorjahr: \u20ac 270 Millionen) auf makro\u00f6konomische Risiken (Spill-Over-Effekte und </span></span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sonstige). </span></span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den Spill-Over Effekten wurde ein Betrag in H\u00f6he von \u20ac 18 Millionen (Vorjahr: \u20ac 15 Millionen) aufgrund von Klimarisiken </span></span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebucht. Davon betreffen \u20ac 14 Millionen (Vorjahr: \u20ac 9 Millionen) Firmenkunden und \u20ac 4 Millionen (Vorjahr: \u20ac 6 Millionen) Retail-</span></span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kunden.</span></span></div><div class=\"ps24909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Non-Retail Overlays</span><span id=\"ibe6b2692710444a8af153e53f58a496e\"></span></span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden wurden zus\u00e4tzliche Wertminderungen in H\u00f6he von \u20ac 235 Millionen (Vorjahr: \u20ac 169 Millionen) f\u00fcr </span></span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">makro\u00f6konomische Effekte gebildet. Sie bilden Risiken ab, die \u00fcber die l\u00e4nderspezifische Branchenmatrix hinausgehen. Unter </span></span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diesen subsumieren sich sowohl globale wirtschaftspolitische Risiken wie zum Beispiel Z\u00f6lle und Gegenz\u00f6lle, als auch erwartete </span></span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Herabstufungen von Unternehmen z. B. aufgrund h\u00f6herer Energiepreise, einer erh\u00f6hten Inflation, von Engp\u00e4ssen in Lieferketten </span></span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie geringerer Ums\u00e4tze und h\u00f6herer Kosten als Folge erh\u00f6hter Energiepreise, insbesondere aus Vorjahren. </span></span></div><div class=\"ps24915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der Ukraine wurden f\u00fcr die Auswirkungen des Krieges \u20ac 81 Millionen (Vorjahr: \u20ac 83 Millionen) zus\u00e4tzlich in Form von </span></span></div><div class=\"ps24916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Management Overlays vorgesorgt. Diese zus\u00e4tzlich gebildeten Vorsorgen ergaben sich aus der Modellierung einer anhaltenden </span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zerst\u00f6rung der Infrastru</span></span><span class=\"f charStyle-9eccfdcb ps24917\">ktur sowie durch die fortgesetzte Bombardierung der betroffenen Gebiete. Im Vorjahr wurden diese </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken zusammen mit den EU- und US Sanktionsrisiken gegen\u00fcber russischen Kunden als geopolitische Risiken dargestellt und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrugen f\u00fcr Russland und die Ukraine insgesamt \u20ac 205 Millionen. Die Overlays f\u00fcr EU- und US Sanktionsrisiken gegen\u00fcber </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgew\u00e4hlten russischen Kunden wurden im Gesch\u00e4ftsjahr aufgrund der vollst\u00e4ndigen R\u00fcckzahlung der betroffenen Obligos </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur G\u00e4nze aufgel\u00f6st.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um Klima- und Umweltrisiken zu ber\u00fccksichtigen wurde f\u00fcr Firmen</span><span class=\"f charStyle-26fbf26f ps24918\"><span style=\"background-color:inherit\">kunden die M\u00f6glichkeit eines kurzfristigen </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">au\u00dferplanm\u00e4\u00dfigen Szenarios in Betracht gezogen, in dem CO</span></span><span class=\"f charStyle-c12972e2 ps24919\"><span style=\"background-color:inherit\">2</span></span><span class=\"f charStyle-26fbf26f ps24920\"><span style=\"background-color:inherit\"> Emissionen teurer werden und die Preise f\u00fcr fossile Energietr\u00e4ger </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6her sind. Bei einem diversifizierten Portfolio, wie dem der RBI, gleichen sich die Auswirkungen zwar weitgehend aus, in einigen </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sektoren besteht jedoch ein erh\u00f6htes Risiko. Dabei handelt es sich um Sektoren mit Kund:innen, die ein niedriges Umwelt Score </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den ESG Scoring Modellen aufweisen, wie z. B. die \u00d6l- und Gasindustrie und das Baugewerbe. H\u00f6here </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeiten in diesen Sektoren f\u00fchren zu einem Anstieg der erwarteten Kreditverluste.</span></span></div><div class=\"ps24921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Retail Overlays</span><span id=\"i6c5cf41c2c2e473eba3412c156475163\"></span></span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">W\u00e4hrend des letzten Jahres waren die Retail-Kund:innen einem zunehmenden Inflationsdruck ausgesetzt, der ihre F\u00e4higkeit zur </span></span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Deckung ihrer Kreditverpflichtungen beeintr\u00e4chtigt hatte. Als Teil der IFRS-9-Regelungen gibt es sowohl auf L\u00e4nder- als auch </span></span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf Produktebene, PD- und LGD-Modelle, die der Notwendigkeit dienen, diese hohen Risiken, die sich aus dem makro\u00f6ko-</span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nomischen Umfeld ergeben, zu adressieren. F\u00fcr bestimmte L\u00e4nder und Portfolios, bei denen die makro\u00f6konomischen Modelle </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">den wichtigsten makro\u00f6konomischen Variablen (Inflation, Zinss\u00e4tze, Arbeitslosigkeit usw.) entweder hinterherhinken oder die </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht Teil des Modells sind, werden f\u00fcr bestimmte Kundengruppen mit hohem Risiko zus\u00e4tzliche Post-Model-Adjustments </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebildet. Diese beinhalten eine qualitative Beurteilung der Kreditobligos im Hinblick auf einen signifikanten Anstieg des </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisikos und ihre \u00dcbertragung von Stage 1 auf Stage 2, sowie in bestimmten F\u00e4llen eine Erh\u00f6hung der PD- und/oder LGD-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sch\u00e4tzungen. Die Kriterien f\u00fcr die Identifizierung solcher Kreditobligos basieren auf Informationen des Kreditantrags sowie des </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">historischen Zahlungsverhaltens und werden in weiterer Folge durch gestresste makro\u00f6konomische Variablen verfeinert. Die </span></span></div><div class=\"ps24922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufl\u00f6sung der Post-Model-Adjustments erfolgt entweder nach Materialisierung der Risiken durch Transfer der betroffenen </span></span></div><div class=\"ps24923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Forderungen nach Stage 3 oder dem Nichteintritt der erwarteten Risiken.</span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr das ukrainische Retail-Kundenportfolio, das seit Kriegsbeginn gr\u00f6\u00dftenteils in Stage 2 verschoben wurde, basiert die Bildung </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Wertminderungen auf dem Urteil lokaler Experten, welches aus dem regelm\u00e4\u00dfigen Kontakt mit den einzelnen Kund:innen </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durch die Inkassoabteilung gewonnen wird. Des Weiteren finden strukturierte Kundengespr\u00e4che statt, um \u00fcber die Bed\u00fcrfnisse </span></span></div><div class=\"ps24924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und potenzielle Probleme, die die R\u00fcckzahlungsf\u00e4higkeit der Kund:innen beeinflussen k\u00f6nnten, auf dem Laufenden zu bleiben. </span></span></div><div class=\"ps24925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Verm\u00f6genswerte und Kund:innen aus besetzten Regionen oder Gebieten, welche einem hohen Risiko von Feindseligkeiten </span></span></div><div class=\"ps24926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">oder Besetzungen ausgesetzt sind, wurden die Risikoparameter weiter nach oben angepasst, um die erwarteten k\u00fcnftigen </span></span></div><div class=\"ps24927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Verluste auf der Grundlage der oben angef\u00fchrten Erhebungen zu ber\u00fccksichtigen.</span></span></div><div class=\"ps24928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ie784ee2bfddd45da8e6737dcbdc77932\"></span></span></div><div class=\"ps24929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um eine Bandbreite f\u00fcr potenzielle Sch\u00e4tzungs\u00e4nderungen und daraus ge\u00e4nderte Wertminderungen zu simulieren, wurden </span></div><div class=\"ps24930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Sensitivit\u00e4tsanalysen der wichtigsten Annahmen, die sich auf die erwarteten Wertminderungen auswirken, wie folgt </span></div><div class=\"ps24931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchgef\u00fchrt.</span></div><div class=\"ps24932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse wurde durchgef\u00fchrt, indem die Wertminderungen f\u00fcr erwartete Kreditverluste in den vorhandenen </span></div><div class=\"ps24933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modellen neu berechnet wurden. Die Risikofaktoren und Post-Model-Adjustments sind, bis auf die Stage-1-Simulationen, in allen </span></div><div class=\"ps24934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien in vollem Umfang inkludiert und unterliegen keinen weiteren Anpassungen. Aufgrund der Komplexit\u00e4t des Modells </span></div><div class=\"ps24935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schlie\u00dfen sich viele Treiber nicht gegenseitig aus. </span></div><div class=\"ps24936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle zeigt einen Vergleich zwischen den ausgewiesenen kumulierten Wertminderungen f\u00fcr erwartete <span class=\"f ps24\"> </span></span></div><div class=\"ps24937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 1 und Stage 2 (gewichtet mit 25 Prozent optimistischen, 50 Prozent Basis </span></div><div class=\"ps24938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 25 Prozent pessimistischen Szenarien) und den jeweils mit 100 Prozent gewichteten Szenarien. Optimistisches und </span></div><div class=\"ps24939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistisches Szenario stellen keine Extremf\u00e4lle aus dem Ergebnisraum der 25 Prozent optimistischsten und </span></div><div class=\"ps24940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistischsten Szenarien dar, sondern einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. Das bedeutet, dass sich diese </span></div><div class=\"ps24941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien auf der Verteilungskurve um circa 25 Prozent respektive 75 Prozent befinden. Grunds\u00e4tzlich werden bei den IFRS-9-</span></div><div class=\"ps24942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifischen Sch\u00e4tzungen der Risikoparameter neben historischen Ausfallinformationen sowie das aktuelle wirtschaftliche </span></div><div class=\"ps24943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umfeld ber\u00fccksichtigt. Die Auswirkungen der Sch\u00e4tzungen aufgrund von makro\u00f6konomischen Prognosen werden in der </span></div><div class=\"ps24944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunftsbezogenen Komponente dargestellt. Die Informationen dienen der Veranschaulichung.</span></div><div class=\"ps24973 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24951\">904<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24955\">-90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24957\">954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24960\">-39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24962\">1.080<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24965\">87<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24967\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24969\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24971\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24975\">972<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24977\">-61<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24978\">1.056<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24979\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24980\">1.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24981\">135<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24982\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24983\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24984\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Insgesamt sind die makro\u00f6konomischen Szenarien im Moment besser als der langj\u00e4hrige Durchschnitt, was zu einer Reduktion </span></span></div><div class=\"ps24986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der zukunftsbezogenen Komponente um \u20ac 18 Millionen f\u00fchrt.</span></span></div><div class=\"ps24987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das positive Szenario, welches in der unten folgenden Tabelle dargestellt wird, folgt der Pr\u00e4misse, dass alle Forderungen als </span></div><div class=\"ps24988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 1 klassifiziert werden und alle makro\u00f6konomischen und geopolitischen Risiken nicht relevant sind.</span></div><div class=\"ps24989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anbei werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle Verm\u00f6genswerte unter </span></div><div class=\"ps24990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der erwarteten Zw\u00f6lf-Monats-Verluste bewertet </span></div><div class=\"ps24991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden (Stage 1), ausgewiesen.</span></div><div class=\"ps25006 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:264.75pt\"></td><td style=\"padding:0;width:88.5pt\"></td><td style=\"padding:0;width:88.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24993 ss793\"><div><div class=\"ps3137 ss787\"><span class=\"f charStyle-1dbd4d87 ps24992\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24995 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24994\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15644 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24996\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24998 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps24997\">514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15646 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps24999\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25001 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25000\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15650 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25002\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2 aufgrund von Staging<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25004 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25003\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15652 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25005\">490<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung des Negativ-Szenarios geht davon aus, dass alle Forderungen als Stufe 2 eingestuft werden. Folglich werden </span></div><div class=\"ps25008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">alle makro\u00f6konomischen und geopolitischen Risiken in dieser Analyse ber\u00fccksichtigt.</span></div><div class=\"ps25009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der folgenden Tabelle werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle </span></div><div class=\"ps25010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte unter der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der gesamten Restlaufzeit </span></div><div class=\"ps25011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden (Stage 2), ausgewiesen.</span></div><div class=\"ps25025 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps10760\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25014\">2.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25015\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25017\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25019\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25021\">1.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25023\">658<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt einen Vergleich zwischen der ausgewiesenen kumulierten Wertminderung f\u00fcr erwartete </span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 3 und dem pessimistischen Szenario gewichtet mit 100 Prozent. Das </span></div><div class=\"ps25026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistische Szenario stellt keinen Extremfall aus dem Ergebnisraum der 25 Prozent pessimistischsten Szenarien dar, sondern </span></div><div class=\"ps25027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. </span></div><div class=\"ps25033 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps13427\">Kumulierte Wertminderungen (Stage 3)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Pessimistisches Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25028\">1.801<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25029\">2.193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25030\">1.480<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25013\">1.909<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung der Wertminderungen im pessimistischen Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25031\">321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25032\">284<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verm\u00f6genswerte<span id=\"ifb6970ca593b4ec49e85f23ea9c80166\"></span></span></div><div class=\"ps25035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Schuldverschreibungen werden teilweise oder vollst\u00e4ndig ausgebucht, wenn keine Zahlungen bzw. R\u00fcckfl\u00fcsse mehr </span></div><div class=\"ps25036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet werden. Dies geschieht, wenn der Kreditnehmer keine Einnahmen aus dem operativen Gesch\u00e4ft mehr erzielt und die </span></div><div class=\"ps25037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheiten keine ausreichenden Cash-Flows generieren k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in Insolvenz werden </span></div><div class=\"ps25038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten wertgemindert, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr erzielt. Im Retail-Gesch\u00e4ft werden qualitative Faktoren ber\u00fccksichtigt. In F\u00e4llen, in denen seit einem Jahr keine Zahlung </span></div><div class=\"ps25040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleistet wurde, werden hier die ausstehenden Betr\u00e4ge ausgebucht, wobei ausgebuchte Forderungen weiter Gegenstand von </span></div><div class=\"ps25041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeiten sein k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in sogenannten Gone-Concern-F\u00e4llen werden </span></div><div class=\"ps25042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten abgeschrieben, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr generiert. Die ausstehenden Bruttoforderungen aus finanziellen Verm\u00f6genswerten, die noch Gegenstand der </span></div><div class=\"ps4860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeit sind, betrugen \u20ac 1.401 Millionen (Vorjahr: \u20ac 1.297 Millionen).</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verbindlichkeiten<span id=\"ia81b6a74840c431cb8919670a599f432\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern bucht eine finanzielle Verbindlichkeit aus, wenn seine Verpflichtungen beglichen, aufgehoben oder ausgelaufen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Der Ertrag oder Aufwand aus dem R\u00fcckkauf von eigenen Verbindlichkeiten wird unter Punkt (6) Sonstiges betriebliches </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis dargestellt. Auch der R\u00fcckerwerb eigener Schuldtitel f\u00e4llt unter die Ausbuchung finanzieller Verpflichtungen. </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetr\u00e4ge beim R\u00fcckkauf zwischen dem Buchwert der Verpflichtung (einschlie\u00dflich Agios und Disagios) und dem </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaufpreis werden erfolgswirksam im sonstigen betrieblichen Ergebnis erfasst, sofern es sich nicht um eine zum Fair Value </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designierte Verbindlichkeit handelt. Bezieht sich der R\u00fcckkauf auf finanzielle Verbindlichkeiten, die unter Anwendung der Fair-</span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value-Option bilanziert wurden, so bleiben jene Fair-Value-\u00c4nderungen, die aus einer Verschlechterung der eigenen Bonit\u00e4t </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(und damit einer Ver\u00e4nderung des Ausfallrisikos der finanziellen Verbindlichkeit) herr\u00fchren, erfolgsneutral erfasst und werden </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Gewinn oder Verlust umgegliedert.</span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt den Betrag des Bruttobuchwerts und der Wertminderungen jener finanziellen Verm\u00f6genswerte \u2013 </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Amortized Cost und finanziellen Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income, die sich in der </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperiode von erwarteten Zw\u00f6lf-Monats-Verlusten (Stage 1) hin zu erwarteten Verlusten \u00fcber die Restlaufzeit (Stage 2 </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 3) oder umgekehrt bewegt haben:</span></div><div class=\"ps25140 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1379\"><div><div class=\"ps3137 ss1378\"><span class=\"f charStyle-1dbd4d87 ps1642\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1382\"><div><div class=\"ps5426 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25057\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25058\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps50 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps17263\">-6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps118\">6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps14999\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps25062\"></span><span class=\"ps25062\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17204\"></span><span class=\"ps17204\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21542\">-60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17889\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25069 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps23943\">-139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18513\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25074 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps22204\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25075\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25080 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25081\">-257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25082\">257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20183\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25085\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25087\"></span><span class=\"ps25087\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25089 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17773\"></span><span class=\"ps17773\">7,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25090\">-3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps307\">3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18478\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22537\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25095 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19579\"></span><span class=\"ps19579\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10787\">2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps1069\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25100 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13350\"></span><span class=\"ps13350\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps10643\">6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9442\">-6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25102\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps15881\">-258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20085\"></span><span class=\"ps20085\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25106 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13308\"></span><span class=\"ps13308\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25110\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25112\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19957\"></span><span class=\"ps19957\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25117 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1619\"></span><span class=\"ps1619\">10,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25118\">295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps113\">-295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25122 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1623\"></span><span class=\"ps1623\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20293\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17770\">-589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25124\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25128 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps4126\">2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10120\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20118\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps458\">-171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25132 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17706\"></span><span class=\"ps17706\">7,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17906\">3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9386\">-3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20843\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25136\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25139 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der Wertminderungen aus der Bewegung von erwarteten Zw\u00f6lf-Monats-Kreditverlusten zu Lifetime betrug \u20ac 287 </span></div><div class=\"ps25142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (Vorjahr: \u20ac 333 Millionen). Der R\u00fcckgang der Wertminderungen aus der Bewegung von Lifetime zu erwarteten Zw\u00f6lf-</span></div><div class=\"ps25143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monats-Kreditverlusten betrug \u20ac 237 Millionen (Vorjahr: \u20ac 169 Millionen).</span></div><div class=\"ps25168 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12887\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25144 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22706\">-5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps13210\">5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps25145\">388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps18107\"></span><span class=\"ps18107\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25146 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25147 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20180\">-141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25148\">141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20216\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20193\"></span><span class=\"ps20193\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25149 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17912\"></span><span class=\"ps17912\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20347\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25150\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25151 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19633\"></span><span class=\"ps19633\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25152\">-497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20422\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20097\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25153 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19189\"></span><span class=\"ps19189\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps8920\">-3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6729\">3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25154\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17792\">207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20539\"></span><span class=\"ps20539\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25155 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18078\"></span><span class=\"ps18078\">6,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17402\">-1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps19535\">1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20259\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25156 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps111\"></span><span class=\"ps111\">8,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps21380\">5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9896\">-5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps20559\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps16883\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21626\"></span><span class=\"ps21626\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25157 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25158 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20138\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17722\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25159 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12631\"></span><span class=\"ps12631\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21545\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25160\">-214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25161 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17910\"></span><span class=\"ps17910\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20261\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17285\">-461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25162\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25163\"></span><span class=\"ps25163\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25164 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17911\"></span><span class=\"ps17911\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17784\">2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10500\">-2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25165\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22538\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21394\"></span><span class=\"ps21394\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25166 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11922\"></span><span class=\"ps11922\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18115\">3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9438\">-3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps806\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25167 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8448\"></span><span class=\"ps8448\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(41) Kreditrisiko<span id=\"ia58d9c4ac82a49d8b3e615d3ecff2cd0\"></span></span></div><div class=\"ps26127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditrisiko ist das gr\u00f6\u00dfte Risiko im Gesch\u00e4ft des Konzerns. Das Kreditrisiko ist das Risiko, finanzielle Verluste zu erleiden, </span></div><div class=\"ps26128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn ein Kunde oder eine Gegenpartei des Konzerns seine bzw. ihre vertraglichen Verpflichtungen gegen\u00fcber dem Konzern <span class=\"f ps24\"> </span></span></div><div class=\"ps26129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht erf\u00fcllt. Das Kreditrisiko entsteht haupts\u00e4chlich im Zusammenhang mit Forderungen an Banken, Forderungen an Kunden </span></div><div class=\"ps26130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie Kreditzusagen und Finanzgarantien. Der Konzern ist auch anderen Kreditrisiken ausgesetzt, die sich aus Veranlagungen in <span class=\"f ps24\"> </span></span></div><div class=\"ps26131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldtiteln und anderen Engagements im Zusammenhang mit Handelsaktivit\u00e4ten, Derivaten, Vergleichsvereinbarungen und <span class=\"f ps24\"> </span></span></div><div class=\"ps26132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reverse-Repo-Gesch\u00e4ften ergeben.</span></div><div class=\"ps26133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditentscheidungsprozess<span id=\"i397c5b0783dd437890db723538c453dc\"></span></span></div><div class=\"ps14129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Non-Retail-Bereich durchl\u00e4uft jeder Kredit vor Vergabe den Kreditentscheidungsprozess. Dieser Prozess betrifft \u2013 neben der </span></div><div class=\"ps14130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergabe von Neukrediten \u2013 auch Krediterh\u00f6hungen, Prolongationen und \u00dcberziehungen sowie die \u00c4nderung risikorelevanter <span class=\"f ps24\"> </span></span></div><div class=\"ps14131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachverhalte, die der urspr\u00fcnglichen Kreditentscheidung zugrunde lagen (z. B. wirtschaftliche Situation des Kreditnehmers, </span></div><div class=\"ps14132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwendungszweck oder Sicherheiten). Er wird auch bei der Festlegung von kreditnehmerbezogenen Limits f\u00fcr Handels- und </span></div><div class=\"ps26134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emissionsgesch\u00e4fte sowie f\u00fcr sonstige mit Kreditrisiko behaftete Limits und Beteiligungen angewendet.<span class=\"f ps24\"> </span></span></div><div class=\"ps26135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditentscheidungen werden je nach Gr\u00f6\u00dfe und Art des Kredits anhand einer hierarchischen Kompetenzordnung gef\u00e4llt. F\u00fcr </span></div><div class=\"ps26136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">individuelle Kreditentscheidungen und die turnusm\u00e4\u00dfige Beurteilung der Adressenausfallrisiken sind dabei immer die </span></div><div class=\"ps26137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zustimmung der Bereiche Markt und Marktfolge einzuholen. F\u00fcr den Fall voneinander abweichender Beurteilungen einzelner </span></div><div class=\"ps26138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kompetenztr\u00e4ger wird via Eskalationsverfahren per Kompetenzordnung die n\u00e4chsth\u00f6here Kompetenzstufe aktiviert.</span></div><div class=\"ps26139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der gesamte Kreditentscheidungsprozess wird auf Basis einheitlich definierter Prinzipien und Richtlinien durchgef\u00fchrt. Die </span></div><div class=\"ps26140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbeziehungen zu multinationalen Kunden, die gleichzeitig Transaktionen mit mehreren Einheiten des Konzerns </span></div><div class=\"ps26141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abwickeln, werden z. B. durch das Global Account Management System unterst\u00fctzt. Dies wird durch die konzernweit eindeutige </span></div><div class=\"ps26142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Identifikation von Kunden im Non-Retail-Bereich erm\u00f6glicht.</span></div><div class=\"ps26143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditentscheidungen im Retail-Bereich erfolgen angesichts der hohen St\u00fcckzahl und geringeren Forderungsh\u00f6he in einem </span></div><div class=\"ps26144 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00f6heren Ausma\u00df automatisiert. Kreditantr\u00e4ge werden dabei vielfach in zentralen Bearbeitungsstellen mittels Credit Scorecards </span></div><div class=\"ps26145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beurteilt und freigegeben. Der Prozess wird durch entsprechende IT-Systeme unterst\u00fctzt.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfoliomanagement<span id=\"icb804afc88da47b4bceba8ec24bdb74a\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditportfolio des Konzerns wird unter anderem anhand der Portfoliostrategie, die wiederum auf der Gesch\u00e4fts- sowie </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Risikostrategie basiert, gesteuert. Anhand der gew\u00e4hlten Strategie wird die Kreditvergabe in unterschiedlichen L\u00e4ndern, </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirtschaftszweigen oder Produkttypen begrenzt und somit die Konzentration unerw\u00fcnschter Risiken vermieden. Dar\u00fcber </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinaus werden die langfristigen Entwicklungschancen in den einzelnen M\u00e4rkten einer st\u00e4ndigen Analyse unterzogen. Dies </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erm\u00f6glicht es, schon fr\u00fchzeitig strategische Weichenstellungen in Bezug auf das k\u00fcnftige Kreditengagement vorzunehmen.</span></div><div class=\"ps26146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberleitung der Zahlen aus dem IFRS-Konzernabschluss zum Kreditobligo (nach CRR)<span id=\"ib9e1b61f41de420ab48ca94047f15fa5\"></span></span></div><div class=\"ps26147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt eine \u00dcberleitung von den Bruttobuchwerten der Bilanzposten zum Kreditobligo (Bank- und </span></div><div class=\"ps19377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelsbuchbest\u00e4nde), das f\u00fcr die Portfoliosteuerung herangezogen wird. Dieses umfasst sowohl das bilanzielle als auch </span></div><div class=\"ps19378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">au\u00dferbilanzielle Kreditobligo vor Anwendung von Gewichtungsfaktoren und stellt somit den maximalen Forderungswert dar. </span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nicht enthalten sind Effekte der Kreditrisikominderung, wie z. B. pers\u00f6nliche und dingliche Sicherheiten, die in der </span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtbeurteilung des Kreditrisikos ebenfalls ber\u00fccksichtigt werden. Dieser Forderungsbegriff wird auch \u2013 sofern nicht explizit </span></div><div class=\"ps26148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anders angegeben \u2013 in den nachfolgenden Tabellen des Risikoberichts verwendet. Die Ursachen f\u00fcr Unterschiede zwischen den </span></div><div class=\"ps26149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gr\u00f6\u00dfen der internen Portfoliosteuerung und der externen Rechnungslegung liegen in abweichenden Konsolidierungskreisen </span></div><div class=\"ps26150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(regulatorisch versus IFRS), unterschiedlichen Abgrenzungen des Kreditvolumens, sowie der unterschiedlichen Darstellung des </span></div><div class=\"ps26151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvolumens, vor allem bei Repo-Gesch\u00e4ften sowie bei Derivaten, insbesondere SA-CCR (Standardansatz im </span></div><div class=\"ps26152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrahentenrisiko).</span></div><div class=\"ps26154 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps25465\">32.053<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24023\">31.532<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17413\">157.739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18379\">150.512<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21624\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13932\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20426\">1.344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps25861\">1.088<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1233\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21914\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps8209\">6.707<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17364\">5.492<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26153\">726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23767\">780<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20610\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1071\">1.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22227\">1.435<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Kreditzusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20223\">42.664<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24345\">37.635<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20224\">10.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17386\">9.243<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18460\">5.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24346\">5.567<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcberleitungsdifferenz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20914\">-7.406<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20102\">-6.450<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kreditobligo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9392\">255.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8754\">240.914<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">Rund \u20ac 2,9 Milliarden der \u00dcberleitungsdifferenz sind auf das SA-CCR-Netting zur\u00fcckzuf\u00fchren.<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die detaillierte Analyse des Kreditportfolios erfolgt anhand der Unterteilung in Ratingstufen. Das Kundenrating erfolgt dabei f\u00fcr </span></div><div class=\"ps26155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die unterschiedlichen Forderungsklassen getrennt. F\u00fcr die Bonit\u00e4tsbeurteilung werden daf\u00fcr jeweils interne </span></div><div class=\"ps26156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoklassifizierungsverfahren (Rating- und Scoring-Modelle) eingesetzt, die auch zentral validiert werden. Die </span></div><div class=\"ps26157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeiten f\u00fcr unterschiedliche Ratingstufen werden nach Gesch\u00e4ftssegmenten getrennt ermittelt. Durch die </span></div><div class=\"ps26158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwendung einer Masterskala wird jedoch eine Vergleichbarkeit der Ratingstufen auch \u00fcber Gesch\u00e4ftssegmente hinweg </span></div><div class=\"ps26159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielt.</span></div><div class=\"ps26160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ratingmodelle in den Non-Retail-Segmenten Firmenkunden, Kreditinstitute und \u00f6ffentlicher Sektor sind konzernweit </span></div><div class=\"ps26161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einheitlich und sehen 27 Bonit\u00e4tsstufen der Masterskala vor. Scorecards f\u00fcr Retail-Forderungsklassen werden l\u00e4nderspezifisch </span></div><div class=\"ps26162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach konzernweit einheitlichen Richtlinien erstellt. Sowohl f\u00fcr die Ratingerstellung als auch f\u00fcr die Validierung stehen </span></div><div class=\"ps26163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsprechende Instrumente (z. B. Unternehmensbewertung, Rating- und Ausfalldatenbank) zur Verf\u00fcgung.</span></div><div class=\"ps11617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo nach Asset-Klassen (Ratingmodellen):<span class=\"f ps24\"> </span></span></div><div class=\"ps26167 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20038\">90.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26164\">86.684<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Projektfinanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26165\">11.606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20252\">9.727<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20223\">54.639<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21324\">48.730<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16744\">27.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20357\">28.853<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6ffentlicher Sektor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17467\">71.398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26166\">66.921<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9392\">255.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8754\">240.914<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_865\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfolio \u2013 Firmenkunden<span id=\"i9d52d8a236f64bf4a92dd641357702e7\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die internen Ratingverfahren f\u00fcr Firmenkunden ber\u00fccksichtigen sowohl qualitative Faktoren als auch verschiedene Bilanz- und <span class=\"f ps24\"> </span></span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinnkennzahlen, die unterschiedliche Aspekte der Kundenbonit\u00e4t f\u00fcr verschiedene Branchen und L\u00e4nder abdecken. </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich enth\u00e4lt das Modell f\u00fcr kleine Firmenkunden auch eine Kontoverhaltenskomponente.</span></div><div class=\"ps19094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle zeigt das Kreditobligo nach internem Rating f\u00fcr Firmenkunden (Gro\u00dfkunden, mittelgro\u00dfe und kleine </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenkunden). Zur besseren Lesbarkeit wurden die einzelnen Stufen der Ratingskala allerdings auf die zugrunde liegenden </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">neun Hauptstufen zusammengefasst. </span></div><div class=\"ps26231 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:17.25pt\"></td><td style=\"padding:0;width:149.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:18pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1358\"><div><div class=\"ps516 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps25261\">Untere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss40\"><span class=\"f charStyle-1dbd4d87 ps1237\">Skala in %</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps26168\">Obere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss40\"><span class=\"f charStyle-1dbd4d87 ps1237\">Skala in %</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10632 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10633 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps24400\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10634 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7760 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps24400\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26169 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Minimales Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24271 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1091\">&gt; 0,0000%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5331\">\u2264 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26170 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps227\">2.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26171 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7128\"></span><span class=\"ps7128\">2,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26172 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5082\">1.920<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26173 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9387\"></span><span class=\"ps9387\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26174 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellente Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22015 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5331\">&gt; 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1937\">\u2264 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26175 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11960\">6.996<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26176 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8519\"></span><span class=\"ps8519\">7,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26178 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26177\">8.143<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26179 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1714\"></span><span class=\"ps1714\">9,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26180 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1937\">&gt; 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps9340\">\u2264 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26181 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps20970\">18.841<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26182 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10522\"></span><span class=\"ps10522\">20,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26183 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10775\">19.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26184 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16865\"></span><span class=\"ps16865\">22,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26185 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22026 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps9340\">&gt; 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5349\">\u2264 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26186 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13339\">23.835<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26187 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20487\"></span><span class=\"ps20487\">26,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26188 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12790\">22.781<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26189 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20487\"></span><span class=\"ps20487\">26,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26190 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Intakte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5349\">&gt; 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6356\">\u2264 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26191 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12812\">18.862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26192 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10522\"></span><span class=\"ps10522\">20,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26193 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1089\">16.290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26194 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10596\"></span><span class=\"ps10596\">18,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26195 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Akzeptable Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6356\">&gt; 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26196\">\u2264 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26197 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10775\">12.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26199 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26198\"></span><span class=\"ps26198\">13,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26201 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26200\">10.736<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26202 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9385\"></span><span class=\"ps9385\">12,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26203 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Knappe Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26196\">&gt; 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26204\">\u2264 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26205 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21185\">3.359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26206 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10509\"></span><span class=\"ps10509\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26207 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11960\">2.846<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26208 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1553\"></span><span class=\"ps1553\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26209 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache bzw. minderwertige Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26204\">&gt; 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps2109\">\u2264 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26210 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6234\">1.355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26211 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10879\"></span><span class=\"ps10879\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26212 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6192\">1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26213 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10879\"></span><span class=\"ps10879\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7222 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr schwache bzw. zweifelhafte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22056 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps2109\">&gt; 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13257\">&lt; 100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10507 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26214\">1.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10508 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6246\"></span><span class=\"ps6246\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10510 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5082\">1.092<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8537 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6724\"></span><span class=\"ps6724\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26215 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22062 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26216\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26216\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26218 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13291\">1.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26219 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10879\"></span><span class=\"ps10879\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26220 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1595\">2.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26221 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11962\"></span><span class=\"ps11962\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26222 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26223 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12601\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26224 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps449\"></span><span class=\"ps449\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26225 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17755\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26226 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps449\"></span><span class=\"ps449\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26227 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps11446\">90.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26228 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21189\"></span><span class=\"ps21189\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26229 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps18692\">86.684<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26230 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21189\"></span><span class=\"ps21189\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26235 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo gegen\u00fcber Firmenkunden stieg im Vergleich zum Jahresende 2024 um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps26232\">4.080</span><span class=\"f charStyle-9eccfdcb ps26233\"> Millionen auf \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps16715\">90.764<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps26234\"> Millionen. </span></div><div class=\"ps26236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die h\u00f6chsten Anstiege wurden in Rum\u00e4nien (\u20ac\u00a01.183 Millionen), Ungarn (\u20ac\u00a0685 Millionen), Tschechien (\u20ac\u00a0657 Millionen) und der </span></div><div class=\"ps26237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ukraine (\u20ac\u00a0488 Millionen) vorwiegend in den Rating-Klassen 4, 5 und 6 verzeichnet, welche teilweise durch R\u00fcckg\u00e4nge in den <span class=\"f ps24\"> </span></span></div><div class=\"ps26238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinigten Arabischen Emiraten (\u20ac\u00a0404 Millionen) und Luxemburg (\u20ac\u00a0350 Millionen) vorwiegend in den Rating-Klassen 2, 3 und 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps26239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kompensiert wurden.<span class=\"f ps24\"> </span></span></div><div class=\"ps26240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg in Rating-Klasse 5 resultierte zus\u00e4tzlich aus Ratingverschlechterungen einzelner tschechischer Kunden aus Rating-</span></div><div class=\"ps26241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klasse 4. Der Anstieg in Rating-Klasse 4 begr\u00fcndete sich zus\u00e4tzlich aus Ratingverschlechterungen einzelner \u00f6sterreichischer und </span></div><div class=\"ps26242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">britischer Kunden aus Rating-Klasse 3. In Rating-Klasse 2 resultierte der R\u00fcckgang haupts\u00e4chlich aus Ratingverschlechterungen </span></div><div class=\"ps26243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelner \u00f6sterreichischer und tschechischer Kunden zu Rating-Klasse 3 sowie aus Ratingverbesserungen zu Rating-Klasse 1 </span></div><div class=\"ps26244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelner \u00f6sterreichischer und luxemburgischer Kunden.</span></div><div class=\"ps26245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das f\u00fcnfstufige Rating-Modell f\u00fcr Projektfinanzierungen basiert auf den Slotting-Kriterien gem\u00e4\u00df EBA/RTS/2016/02. </span></div><div class=\"ps26257 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:14.25pt\"></td><td style=\"padding:0;width:187.5pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps26247\">6,1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10841 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgezeichnete Projektbonit\u00e4t \u2013 sehr geringes Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20175\">6.498<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17228\"></span><span class=\"ps17228\">56,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17471\">6.068<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17779\"></span><span class=\"ps17779\">62,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps26248\">6,2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26249 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Projektbonit\u00e4t \u2013 geringes Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18514\">4.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18029\"></span><span class=\"ps18029\">35,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18658\">2.746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26250\"></span><span class=\"ps26250\">28,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps16494\">6,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26251 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Ausreichende Projektbonit\u00e4t \u2013 mittleres Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20841\">223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26252\">440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">4,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps7495\">6,4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26253 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache Projektbonit\u00e4t \u2013 hohes Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18763\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18789\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps16300\">6,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26254 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21402\">733<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">6,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4117\">409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps26255\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26256 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25075\">11.606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10643\">9.727<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg des Kreditobligos f\u00fcr Projektfinanzierungen um \u20ac</span><span class=\"f charStyle-9eccfdcb ps26258\">\u00a0</span><span class=\"f charStyle-9eccfdcb ps26259\">1.880</span><span class=\"f charStyle-9eccfdcb ps26260\"> Millionen wurde vor allem durch Anstiege in der Slowakei, </span></div><div class=\"ps26264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tschechien, Rum\u00e4nien und Bulgarien f\u00fcr Energieversorgungs- und Immobilienprojekte begr\u00fcndet</span><span class=\"f charStyle-9eccfdcb ps26262\">. Der Anstieg </span><span class=\"f charStyle-9eccfdcb ps26263\">in Deutschland </span></div><div class=\"ps26266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">war</span><span class=\"f charStyle-9eccfdcb ps26265\"> haupts\u00e4chlich auf eine mit dem Regulator abgestimmte Umgliederung von drei bestehenden ausgefallenen Kunden (\u20ac\u00a0328 </span></div><div class=\"ps26269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) aus dem Firmenkundenportfolio zu </span><span class=\"f charStyle-9eccfdcb ps26267\">Projektfinanzierungen zur\u00fcckzuf\u00fchren</span><span class=\"f charStyle-9eccfdcb ps26268\">. In Rum\u00e4nien kam es aufgrund der </span></div><div class=\"ps26270 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratingverschlechterung des Staates zu einer Ratingherabstufung im Projektfinanzierungsbereich von Rating-Klasse 6,1 zu <span class=\"f ps24\"> </span></span></div><div class=\"ps26271 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rating-Klasse 6,2.</span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo f\u00fcr Firmenkunden und Projektfinanzierungen nach dem Risikoland unter Ber\u00fccksichtigung des Garantiegebers nach </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regionen:</span></div><div class=\"ps4827 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19443\">29.655<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10095\"></span><span class=\"ps10095\">29,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26273\">27.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26250\"></span><span class=\"ps26250\">28,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Westeuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9589\">25.101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19413\"></span><span class=\"ps19413\">24,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10095\">24.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17779\"></span><span class=\"ps17779\">24,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">18.994<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24843\"></span><span class=\"ps24843\">18,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21350\">19.202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26274\"></span><span class=\"ps26274\">19,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26246\">18.368<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18514\"></span><span class=\"ps18514\">17,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26275\">16.119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18514\"></span><span class=\"ps18514\">16,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20250\">3.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8779\">3.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18434\"></span><span class=\"ps18434\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26277\">2.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">2,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25783\">2.143<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20356\"></span><span class=\"ps20356\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Asien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19192\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17966\">2.224<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9393\">2.346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25880\">1.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7356\">102.370<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18487\">96.410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg in Zentraleuropa war durch die Zunahme von Krediten und Forderungen sowie Anleihen in Tschechien, Ungarn und </span></div><div class=\"ps25297 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei begr\u00fcndet. Der Anstieg in S\u00fcdosteuropa resultierte vor allem aus den erh\u00f6hten Krediten und Forderungen in </span></div><div class=\"ps26280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rum\u00e4nien, Serbien und Kroatien. In Westeuropa begr\u00fcndete sich der Anstieg durch die Erh\u00f6hung von Krediten und Forderungen </span></div><div class=\"ps26281 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Deutschland und der Schweiz. Der R\u00fcckgang in \u00d6sterreich resultierte vor allem aus der Verringerung von Krediten und </span></div><div class=\"ps26282 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen sowie Devisen-Gesch\u00e4ften. </span></div><div class=\"ps26283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo f\u00fcr Firmenkunden und Projektfinanzierungen nach Branchenzugeh\u00f6rigkeit der Erstkunden:</span></div><div class=\"ps26287 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Fertigung/Produktion<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23296\">24.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15180\"></span><span class=\"ps15180\">24,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17896\">23.422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9583\"></span><span class=\"ps9583\">24,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Gro\u00df- und Einzelhandel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26284\">20.674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7901\"></span><span class=\"ps7901\">20,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18006\">19.917<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10098\"></span><span class=\"ps10098\">20,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17676\">12.740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10661\"></span><span class=\"ps10661\">12,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17686\">12.380<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26275\"></span><span class=\"ps26275\">12,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzintermediation<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17185\">9.341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">9,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">8.584<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">8,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bauwesen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17909\">7.502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18434\"></span><span class=\"ps18434\">7,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20091\">6.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">6,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Energieversorgung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26285\">7.366<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">7,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20089\">6.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Transport, Lagerung und Verkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18469\">4.606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">4,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16878\">4.160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19736\"></span><span class=\"ps19736\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Freie Berufe/technische Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18115\">2.797<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">2,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26277\">2.879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">3,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Branchen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18488\">12.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11260\"></span><span class=\"ps11260\">12,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10098\">11.788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20175\"></span><span class=\"ps20175\">12,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7356\">102.370<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18487\">96.410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26289 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfolio \u2013 Retail-Kunden<span id=\"i689dfc1da3d6499abbcd3761d2f67acb\"></span></span></div><div class=\"ps26290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Asset-Klasse Retail-Kunden unterteilt sich in Privatpersonen sowie Klein- und Mittelbetriebe (KMU). F\u00fcr Retail-Kund:innen </span></div><div class=\"ps26291 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird ein duales Scoring-System eingesetzt, das eine Erst- und Ad-hoc-Analyse anhand der Kundendaten und eine <span class=\"f ps24\"> </span></span></div><div class=\"ps26292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhaltensanalyse anhand der Kontendaten umfasst. <span class=\"f ps24\"> </span></span></div><div class=\"ps26294 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Privatpersonen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25824\">50.942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26293\"></span><span class=\"ps26293\">93,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22192\">45.422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26293\"></span><span class=\"ps26293\">93,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Klein- und Mittelbetriebe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26285\">3.697<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">6,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20175\">3.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">6,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps25162\">54.639<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps19270\">48.730<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26295 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo f\u00fcr Retail-Kund:innen nach internem Rating:</span></div><div class=\"ps26330 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:147pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:18pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1452\"><div><div class=\"ps516 ss1451\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps25261\">Untere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss40\"><span class=\"f charStyle-1dbd4d87 ps1237\">Skala in %<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3814 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps26168\">Obere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss40\"><span class=\"f charStyle-1dbd4d87 ps1237\">Skala in %</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4225 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps24400\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7759 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9965 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps24400\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">0,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26296 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Minimales Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26297 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1888\">&gt; 0,00%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3822 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10101\">\u2264 0,17%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26298 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1642\">6.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24274 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13489\"></span><span class=\"ps13489\">11,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26299 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1589\">8.747<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26300 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10744\"></span><span class=\"ps10744\">18,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">1,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11091 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellente Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21447 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10101\">&gt; 0,17%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14924 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11411\">\u2264 0,35%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26301 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10737\">11.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22017 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8908\"></span><span class=\"ps8908\">20,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26302 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps223\">8.052<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26303 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20548\"></span><span class=\"ps20548\">16,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">1,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11508 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21454 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11411\">&gt; 0,35%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14936 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10492\">\u2264 0,69%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26305 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26304\">10.860<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12771\"></span><span class=\"ps12771\">19,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26306 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps22932\">8.335<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11510 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10359\"></span><span class=\"ps10359\">17,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">2,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26307 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21462 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10492\">&gt; 0,69%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24876 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21201\">\u2264 1,37%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26308 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6991\">9.823<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22028 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10744\"></span><span class=\"ps10744\">18,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26309 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps8637\">7.429<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21858 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11506\"></span><span class=\"ps11506\">15,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">2,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26310 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Intakte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21470 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21201\">&gt; 1,37%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24881 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17509\">\u2264 2,70%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26311 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7193\">6.678<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10115\"></span><span class=\"ps10115\">12,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26312 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12885\">4.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9383\"></span><span class=\"ps9383\">10,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">3,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26313 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Akzeptable Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21478 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17509\">&gt; 2,70%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24887 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6297\">\u2264 5,26%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26314 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10576\">3.419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1555\"></span><span class=\"ps1555\">6,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26315 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps202\">2.883<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11261\"></span><span class=\"ps11261\">5,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">3,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26316 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Knappe Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21485 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6297\">&gt; 5,26%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24892 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1997\">\u2264 10,00%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4241 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7196\">1.678<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6724\"></span><span class=\"ps6724\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26317 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7125\">1.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17703 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1534\"></span><span class=\"ps1534\">2,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26318 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache bzw. minderwertige Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21492 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1997\">&gt; 10,00%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24897 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21202\">\u2264 18,18%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26319 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps246\">986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15156\"></span><span class=\"ps15156\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26320 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps377\">691<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15658\"></span><span class=\"ps15658\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">4,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26321 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr schwache bzw. zweifelhafte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21501 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21202\">&gt; 18,18%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3857 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13257\">&lt; 100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10362 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps15095\">963<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10363 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15156\"></span><span class=\"ps15156\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8535 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps60\">825<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13003\"></span><span class=\"ps13003\">1,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">5,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26322 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21509 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26216\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3863 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26216\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26323 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps15149\">1.184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22064 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9387\"></span><span class=\"ps9387\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26324 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1553\">1.180<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17721 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps485\"></span><span class=\"ps485\">2,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11523 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26325 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps24037\">1.936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps485\"></span><span class=\"ps485\">3,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26326 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12957\">4.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11527 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15153\"></span><span class=\"ps15153\">8,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1453\"><div><div class=\"ps31 ss1451\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26328 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps26327\">54.639<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22075 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21189\"></span><span class=\"ps21189\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26329 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps23665\">48.730<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17733 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21189\"></span><span class=\"ps21189\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund des Ratingmodell Updates von Point in Time (PIT) zu Through the Cycle (TTC) f\u00fcr Hypohekardarlehen in Tschechien im <span class=\"f ps24\"> </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mai 2025 kam es zu einer Verschiebung des betroffenen Portfolios von der Rating-Klasse 0,5 in niedrigere Ratingklassen. Das </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht geratete Kreditobligo umfasst unter anderem Kreditkartengesch\u00e4fte in \u00d6sterreich, Leasing-Unternehmen sowie Retail-</span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kunden in Kroatien und Kosovo. Diese Kunden verf\u00fcgen entweder noch \u00fcber kein internes Rating, oder es handelt sich um </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolios, die dem permanent partial use unterliegen oder Portfolios, f\u00fcr die ein PD-Modell implementiert wird. F\u00fcr Leasing-</span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen wird die Kreditw\u00fcrdigkeit auf Scorecard-Modellen basierend beurteilt. Der R\u00fcckgang der nicht gerateten Kunden </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">war vor allem darauf zur\u00fcck zu f\u00fchren, dass der Gro\u00dfteil des Kreditkartengesch\u00e4fts in \u00d6sterreich sowie das zugekaufte </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio in Serbien im ersten Quartal 2025 ein Rating erhalten haben. </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Retail-Forderungen nach Segmenten:</span></div><div class=\"ps26348 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:130.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1454\"><div><div class=\"ps12528 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11439\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1111\"><span class=\"f charStyle-1dbd4d87 ps22605\">Markets<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26331 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps5226\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1448 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10105\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26332 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11977\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16749 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18593\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Privatpersonen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26333 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps9392\">25.338<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1459 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps17784\">11.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26334 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19217\">2.614<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26335\">414<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26336\">10.641<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Klein- und Mittelbetriebe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26337 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26252\">2.177<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1470 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20024\">1.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26338 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16751\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20342\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21539\">64<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26340 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26339\">27.515<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1479 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps23283\">13.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26341 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps19950\">2.618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps1071\">517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps8927\">10.706<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps1864\">davon notleidendes Obligo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26343 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21445\">540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1489 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21510\">387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26345 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26344\">145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16489\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26109\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26353 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:130.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1454\"><div><div class=\"ps12528 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11439\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1111\"><span class=\"f charStyle-1dbd4d87 ps22605\">Markets<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26331 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps5226\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1448 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10105\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26332 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11977\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16749 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18593\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Privatpersonen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26333 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps18106\">22.107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1459 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps4152\">10.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26334 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps19955\">2.696<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps26349\">394<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps18408\">9.388<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Klein- und Mittelbetriebe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26337 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps19187\">1.944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1470 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps26107\">1.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26338 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps20872\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps19968\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26340 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps4167\">24.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1479 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10638\">12.093<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26341 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps7494\">2.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26351\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26118\">9.389<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps1864\">davon notleidendes Obligo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26343 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26344\">541<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1489 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20196\">413<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26345 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26352\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21974\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20644\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26358 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo gegen\u00fcber Retail-Kunden stieg </span><span class=\"f charStyle-9eccfdcb ps26354\">im Vergleich zum Jahresende 2024</span><span class=\"f charStyle-9eccfdcb ps26355\"> um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps26356\">5.909</span><span class=\"f charStyle-9eccfdcb ps26357\"> Millionen. Der gr\u00f6\u00dfte Anstieg in </span></div><div class=\"ps26359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von \u20ac\u00a03.464 Millionen in Zentraleuropa resultierte aus erh\u00f6hten Verbraucher- und Hypothekarkrediten sowie </span></div><div class=\"ps26360 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmenfinanzierungen in Tschechien und der Slowakei. Der Anstieg in S\u00fcdosteuropa in H\u00f6he von \u20ac\u00a01.190 Millionen resultierte </span></div><div class=\"ps26361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus erh\u00f6hten Verbraucher- und Hypothekarkrediten in Kroatien, Serbien und Rum\u00e4nien. Im Segment Group Corporates &amp; </span></div><div class=\"ps26362 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Markets wurde ein Anstieg in H\u00f6he von \u20ac\u00a01.317\u00a0Millionen verzeichnet, vorwiegend aufgrund des gestiegenen </span></div><div class=\"ps26363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditkartengesch\u00e4fts in der Konzernzentrale. In Russland wurde das Retail-Kundenportfolio weiter reduziert, was durch die </span></div><div class=\"ps26364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwertung des russischen Rubels (plus 22 Prozent) teilweise kompensiert wurde. </span></div><div class=\"ps26365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegen\u00fcber Retail-Kund:innen nach Produkten:</span></div><div class=\"ps26368 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Hypothekarkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22392\">30.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17344\"></span><span class=\"ps17344\">56,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25085\">27.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15179\"></span><span class=\"ps15179\">57,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Verbraucherkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21350\">12.029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7901\"></span><span class=\"ps7901\">22,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12816\">11.040<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10128\"></span><span class=\"ps10128\">22,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">6.794<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10661\"></span><span class=\"ps10661\">12,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17371\">5.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26366\"></span><span class=\"ps26366\">11,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Finanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8761\">3.084<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23238\"></span><span class=\"ps23238\">5,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">2.456<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17240\"></span><span class=\"ps17240\">5,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcberziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4140\">1.442<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">2,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18384\">1.322<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">2,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Autokredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25886\">569<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25719\">753<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps25162\">54.639<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps19270\">48.730<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26388 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:130.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1454\"><div><div class=\"ps12528 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11439\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1111\"><span class=\"f charStyle-1dbd4d87 ps22605\">Markets<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26331 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps5226\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1448 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10105\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26332 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11977\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16749 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18593\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Hypothekarkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26333 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26285\">17.866<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1459 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19187\">4.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26334 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25886\">1.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20354\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21597\">7.488<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Verbraucherkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26337 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps18461\">5.247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1470 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20915\">5.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26338 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25714\">481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19968\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26369\">384<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26340 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21394\">2.056<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1479 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19948\">1.554<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26341 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20256\">807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20253\">257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps13931\">2.120<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Finanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26343 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26370\">1.479<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1489 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19249\">1.101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26345 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps18480\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26371\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26372\">355<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcberziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26373 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps1069\">622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4431 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20196\">341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26374 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps22720\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26375 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23767\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26376 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20842\">359<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Autokredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26378 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26377\">243<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26379 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21510\">325<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26380 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26381 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26382 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26383 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26339\">27.515<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26384 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps23283\">13.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26385 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps19950\">2.618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26386 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps1071\">517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26387 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps8927\">10.706<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:130.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1454\"><div><div class=\"ps12528 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11439\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1111\"><span class=\"f charStyle-1dbd4d87 ps22605\">Markets<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26331 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps5226\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1448 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10105\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26332 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11977\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16749 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18593\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Hypothekarkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26333 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps17470\">15.932<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1459 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20255\">3.599<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26334 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25087\">1.041<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21623\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps18689\">7.161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Verbraucherkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26337 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps18470\">4.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1470 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23759\">5.291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26338 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26390\">691<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23449\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26372\">524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26340 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23759\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1479 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26391\">1.541<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26341 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26392\">788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26392\">258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps4119\">1.174<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Finanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26343 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20915\">1.039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1489 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps22195\">1.010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26345 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps24260\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26153\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26393\">260<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcberziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26373 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26372\">542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4431 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20211\">362<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26374 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps24055\">110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26375 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20682\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26376 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26394\">269<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Autokredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26378 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20842\">462<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26379 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26393\">290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26380 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26381 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26382 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26383 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps4167\">24.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26384 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10638\">12.093<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26385 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps7494\">2.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26386 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26351\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26387 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26118\">9.389<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfolio \u2013 Kreditinstitute<span id=\"ieeaa0ec70c4b4b2aa8cedf9585b4fe50\"></span></span></div><div class=\"ps26395 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachfolgende Tabelle stellt das Kreditobligo an Kreditinstitute (ohne Zentralbanken) nach dem internen Rating dar. Die </span></div><div class=\"ps26396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeiten in dieser Asset-Klasse werden aufgrund der geringen Anzahl an Kunden (bzw. an beobachtbaren </span></div><div class=\"ps26397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausf\u00e4llen) in den einzelnen Rating-Stufen durch eine Kombination interner und externer Daten ermittelt. Die Verschiebungen <span class=\"f ps24\"> </span></span></div><div class=\"ps26398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">innerhalb der einzelnen Ratingklassen ergaben sich zum Teil aus der regelm\u00e4\u00dfigen Rekalibrierung der Ratingmodelle f\u00fcr </span></div><div class=\"ps26399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitute.</span></div><div class=\"ps26443 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:17.25pt\"></td><td style=\"padding:0;width:152.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:18pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1456\"><div><div class=\"ps516 ss1455\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26400 ss630\"><div><div class=\"ps1485 ss622\"><span class=\"f charStyle-1dbd4d87 ps1214\">Untere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps3282\">Skala in %</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1982 ss630\"><div><div class=\"ps1485 ss622\"><span class=\"f charStyle-1dbd4d87 ps3223\">Obere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps3282\">Skala in %</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23575 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps12431\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5661 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps6714\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10634 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps7190\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9965 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps6714\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26169 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Minimales Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26402 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26401\">&gt; 0,0000%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1998 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23578\">\u2264 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26404 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26403\">5.420<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26405 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps229\"></span><span class=\"ps229\">20,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26172 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps179\">4.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26300 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13355\"></span><span class=\"ps13355\">15,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26174 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellente Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26406 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23578\">&gt; 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2017 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1572\">\u2264 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26407 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps221\">3.570<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26408 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">13,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26178 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13080\">3.562<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">12,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26180 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26409 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1572\">&gt; 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2035 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps25492\">\u2264 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26410 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13206\">13.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26412 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26411\"></span><span class=\"ps26411\">48,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26183 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps21181\">17.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11510 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12466\"></span><span class=\"ps12466\">59,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26185 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26413 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps25492\">&gt; 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2054 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps24412\">\u2264 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26415 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26414\">4.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26416 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20541\"></span><span class=\"ps20541\">15,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26188 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12897\">2.852<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21858 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6194\"></span><span class=\"ps6194\">9,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26190 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Intakte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26417 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps24412\">&gt; 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2069 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps8741\">\u2264 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26418 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps145\">341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26419 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8533\"></span><span class=\"ps8533\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26193 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps6299\">237<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12764\"></span><span class=\"ps12764\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26195 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Akzeptable Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26420 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps8741\">&gt; 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2085 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26421\">\u2264 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26422 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23475\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26423 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24403\"></span><span class=\"ps24403\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26201 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17617\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25434\"></span><span class=\"ps25434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26203 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Knappe Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26424 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26421\">&gt; 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23119\">\u2264 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26425 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19309\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26426 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24403\"></span><span class=\"ps24403\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26207 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps16880\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17703 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25434\"></span><span class=\"ps25434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26209 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache bzw. minderwertige Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26427 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23119\">&gt; 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26429 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26428\">\u2264 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26430 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps118\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26431 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26214\"></span><span class=\"ps26214\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26212 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19569\">244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12764\"></span><span class=\"ps12764\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7222 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr schwache bzw. zweifelhafte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26432 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26428\">&gt; 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26433 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17560\">&lt; 100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23617 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps18638\">85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26434 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12769\"></span><span class=\"ps12769\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10510 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps118\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps177\"></span><span class=\"ps177\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26215 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26435 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps20548\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26436 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps20548\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23623 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26437 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14903\"></span><span class=\"ps14903\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26220 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17721 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14903\"></span><span class=\"ps14903\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26222 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26438 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps16877\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26439 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14903\"></span><span class=\"ps14903\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26225 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12387\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11527 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14903\"></span><span class=\"ps14903\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1457\"><div><div class=\"ps31 ss1455\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26440 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps7770\">27.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26441 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps9119\"></span><span class=\"ps9119\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26229 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps26442\">28.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17733 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps9119\"></span><span class=\"ps9119\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo gegen\u00fcber Kreditinstitute verringerte sich aufgrund des R\u00fcckgangs von Repo-Gesch\u00e4ften (\u20ac\u00a03.147 Millionen), </span></div><div class=\"ps26445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor allem in Frankreich, in Rating-Klasse 3, welche teilweise durch Anstiege in Deutschland kompensiert wurden. Demgegen\u00fcber </span></div><div class=\"ps26446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">standen Anstiege bei Krediten und Forderungen (\u20ac\u00a0641 Millionen) in \u00d6sterreich, Deutschland und den USA sowie bei <span class=\"f ps24\"> </span></span></div><div class=\"ps26447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internationalen Institutionen, die teilweise durch R\u00fcckg\u00e4nge in Russland kompensiert wurden. Weiters kam es zu Anstiegen bei </span></div><div class=\"ps26448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleihen (\u20ac 424 Millionen) vorwiegend bei internationalen Institutionen in Rating-Klasse 1. </span></div><div class=\"ps26449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo an Kreditinstitute (ohne Zentralbanken) nach Regionen:</span></div><div class=\"ps26454 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Westeuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20171\">12.933<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19473\"></span><span class=\"ps19473\">47,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17778\">15.709<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15109\"></span><span class=\"ps15109\">54,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16295\">4.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26450\"></span><span class=\"ps26450\">15,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20169\">4.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26451\"></span><span class=\"ps26451\">15,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Asien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18115\">2.779<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9397\"></span><span class=\"ps9397\">10,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4126\">1.832<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4150\"></span><span class=\"ps4150\">6,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18380\">1.096<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18380\">1.066<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18434\"></span><span class=\"ps18434\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20356\"></span><span class=\"ps20356\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26452\"></span><span class=\"ps26452\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20293\">314<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">583<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26453\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10479\">5.093<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24843\"></span><span class=\"ps24843\">18,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20174\">4.783<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26274\"></span><span class=\"ps26274\">16,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24658\">27.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25703\">28.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo an Kreditinstitute (ohne Zentralbanken) nach Produkten:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Repo-Gesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">8.603<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17823\"></span><span class=\"ps17823\">31,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7798\">11.750<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15111\"></span><span class=\"ps15111\">40,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26455\">8.261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17407\"></span><span class=\"ps17407\">30,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17897\">7.568<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10482\"></span><span class=\"ps10482\">26,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5934\">6.359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17456\"></span><span class=\"ps17456\">23,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">5.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10095\"></span><span class=\"ps10095\">20,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Geldmarkt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18124\">2.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23238\"></span><span class=\"ps23238\">9,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18735\">2.623<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">9,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17446\">618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20095\">534<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18515\">593<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20356\"></span><span class=\"ps20356\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26456\">444<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24658\">27.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25703\">28.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfolio \u2013 \u00d6ffentlicher Sektor<span id=\"ib8dddbd8d97a486794df5b8aa7818836\"></span></span></div><div class=\"ps26459 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine weitere Kundengruppe stellen souver\u00e4ne Staaten, Zentralbanken sowie regionale Gebietsk\u00f6rperschaften und andere <span class=\"f ps24\"> </span></span></div><div class=\"ps26460 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">staaten\u00e4hnliche Organisationen dar. Das Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor inkludiert lokale und regionale </span></div><div class=\"ps26461 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regierungen. <span class=\"f ps24\"> </span></span></div><div class=\"ps26462 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor (inklusive Zentralbanken) nach dem internen Rating:</span></div><div class=\"ps26532 ss0\"><div class=\"ss942 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:125.25pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td></tr><tr style=\"height:18pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1458\"><div><div class=\"ps516 ss149\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4396 ss112\"><div><div class=\"ps1485 ss111\"><span class=\"f charStyle-1dbd4d87 ps11279\">Untere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps26463\">Skala in %</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26464 ss112\"><div><div class=\"ps1485 ss111\"><span class=\"f charStyle-1dbd4d87 ps11077\">Obere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps26463\">Skala in %</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6348 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps6299\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13624 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps14903\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16868 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps10806\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23581 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps14903\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26465 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgezeichnete Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26466 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps11322\">&gt; 0,0000%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26468 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps26467\">\u2264 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10880 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps6004\">12.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26469 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12496\"></span><span class=\"ps12496\">17,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26470 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps1534\">11.238<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26471 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18753\"></span><span class=\"ps18753\">16,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10883 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26472 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps26467\">&gt; 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26473 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps12869\">\u2264 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10886 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps7193\">22.699<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26475 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26474\"></span><span class=\"ps26474\">31,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26476 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps256\">22.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26477 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps483\"></span><span class=\"ps483\">34,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26478 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26479 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps12869\">&gt; 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26480 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps1227\">\u2264 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13213 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps7196\">12.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26481 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps159\"></span><span class=\"ps159\">18,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16890 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps6234\">12.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26482 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18753\"></span><span class=\"ps18753\">18,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26483 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Solide Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26484 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps1227\">&gt; 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26485 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps2001\">\u2264 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13223 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps13163\">9.706<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26486 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15658\"></span><span class=\"ps15658\">13,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26487 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps13409\">8.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26488 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10879\"></span><span class=\"ps10879\">12,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26489 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellende Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26490 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps2001\">&gt; 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26491 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps13518\">\u2264 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13235 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps26492\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26493 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12905\"></span><span class=\"ps12905\">3,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26494 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps6749\">2.843<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26495 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1667\"></span><span class=\"ps1667\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26496 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Ad\u00e4quate Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26497 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps13518\">&gt; 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26498 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps5902\">\u2264 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13246 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps12614\">620<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26499 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps71\"></span><span class=\"ps71\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26500 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps343\">7.353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26501 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps297\"></span><span class=\"ps297\">11,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26502 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Fragliche Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26503 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps5902\">&gt; 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26504 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps5355\">\u2264 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13258 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps1672\">8.741<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26505 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11961\"></span><span class=\"ps11961\">12,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26506 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps17445\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26507 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26508 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">H\u00f6chst fragliche Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26509 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps5355\">&gt; 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26510 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps2020\">\u2264 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13271 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22667 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26511 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26512 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26513 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfallgef\u00e4hrdet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26514 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps2020\">&gt; 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26515 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps12863\">&lt; 100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13283 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps26516\">1.442<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26518 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26517\"></span><span class=\"ps26517\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26519 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps23475\">1.477<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23620 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12474\"></span><span class=\"ps12474\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26520 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26521 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps22929\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26522 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps22929\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6411 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10664\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26523 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26524 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps9392\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23626 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26525 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13301 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26526 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26527 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10094\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26528 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13312 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps11227\">71.398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26529 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps11958\"></span><span class=\"ps11958\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26530 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps11960\">66.921<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26531 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps11958\"></span><span class=\"ps11958\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26533 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor stieg vor allem aufgrund des erh\u00f6hten Anleihenbestands (\u20ac\u00a08.268 </span></div><div class=\"ps26534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) in \u00d6sterreich, Zentral- und S\u00fcdosteuropa sowie Westeuropa. Der Anstieg bei den Krediten und Forderungen </span></div><div class=\"ps26535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber dem \u00f6ffentlichen Sektor war vorwiegend auf erh\u00f6hte Einlagen bei der Oesterreichischen, tschechischen und </span></div><div class=\"ps26536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">slowakischen Nationalbank zur\u00fcckzuf\u00fchren. Die Geldmarktgesch\u00e4fte verringerten sich um \u20ac\u00a06.391 Millionen vor allem in </span></div><div class=\"ps26537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich und Rum\u00e4nien teilweise bedingt durch Anleihenk\u00e4ufe und wurden durch einen w\u00e4hrungsbedingten Anstieg in </span></div><div class=\"ps20184 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland kompensiert.</span></div><div class=\"ps3388 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg in Rating-Klasse 7 war auf die Ratingverschlechterung von Russland aus Rating-Klasse 6 zur\u00fcckzuf\u00fchren. Der </span></div><div class=\"ps3389 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anstieg in Rating-Klasse 1 resultierte aus erh\u00f6hten Repo-Gesch\u00e4ften und Kredite und Forderungen in Tschechien sowie Anleihen </span></div><div class=\"ps3390 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Deutschland und Niederlande. In Rating-Klasse 4 war der Anstieg durch den erh\u00f6hten Anleihenbestand in Ungarn, Bulgarien </span></div><div class=\"ps3391 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Italien begr\u00fcndet.</span></div><div class=\"ps26538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor (inklusive Zentralbanken) nach Produkten:</span></div><div class=\"ps26559 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26539 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26540 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26541 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25750 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19680\">37.480<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4134\"></span><span class=\"ps4134\">52,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25752 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15109\">29.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25754 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17961\"></span><span class=\"ps17961\">43,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26543 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26542\">15.656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26545 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26544\"></span><span class=\"ps26544\">21,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26546 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18471\">13.117<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26547 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26274\"></span><span class=\"ps26274\">19,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Geldmarkt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22712\">10.116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10661\"></span><span class=\"ps10661\">14,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17778\">16.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17891\"></span><span class=\"ps17891\">24,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Repo-Gesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">8.039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25831 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17898\"></span><span class=\"ps17898\">11,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25832 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17966\">7.832<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25833 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17564\"></span><span class=\"ps17564\">11,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26548 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18465\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26549 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26550 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24310\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26551 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26552 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18396\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26553 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26554 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18695\">173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26555 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26556 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4161\">71.398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11192 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26557 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22192\">66.921<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26558 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor im Bereich Non Investment Grade (Rating 5 und darunter):</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18124\">8.797<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19473\"></span><span class=\"ps19473\">64,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4154\">6.855<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15111\"></span><span class=\"ps15111\">58,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17783\">1.808<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17450\"></span><span class=\"ps17450\">13,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20170\">2.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18514\"></span><span class=\"ps18514\">17,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18457\">1.343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22188\"></span><span class=\"ps22188\">9,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20112\">1.355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26560\"></span><span class=\"ps26560\">11,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bosnien und Herzegowina<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23944\">610<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">4,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">5,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Albanien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26561\">553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18501\">494<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19205\">484<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">3,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1131\">282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">2,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26562\">13.596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps9583\">11.691<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26457 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Obligo umfasst vor allem Einlagen der Konzerneinheiten bei lokalen Zentralbanken in Zentral-, Ost- und S\u00fcdosteuropa, die </span></div><div class=\"ps26563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Erf\u00fcllung der jeweiligen Mindestreservevorschriften und der kurzfristigen Veranlagung von \u00fcbersch\u00fcssiger Liquidit\u00e4t dienen </span></div><div class=\"ps26564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und daher untrennbar mit der Gesch\u00e4ftst\u00e4tigkeit in diesen L\u00e4ndern verbunden sind sowie russische und ukrainische </span></div>Staatsanleihen. Der Anstieg in Russland resultierte aus der Aufwertung des russischen Rubels.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-467": {
   "value": "<div class=\"ps21584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(15) Finanzielle Verbindlichkeiten - Amortized Cost<span id=\"ic589983b8671414ca319907c79a1b2e8\"></span></span></div><div class=\"ps21585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten werden \u00fcberwiegend mit den fortgeschriebenen Anschaffungskosten angesetzt. Unterschiedsbetr\u00e4ge </span></div><div class=\"ps21586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen Auszahlungsbetrag und Nennbetrag werden effektivzinsgerecht abgegrenzt und im Zins\u00fcberschuss ausgewiesen. In </span></div><div class=\"ps21587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Kategorie werden vor allem Kundeneinlagen und Wertpapieremissionen, die der Refinanzierung dienen, ausgewiesen.</span></div><div class=\"ps21588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emittiertes Nachrangkapital und Erg\u00e4nzungskapital werden entweder in dem Posten finanzielle Verbindlichkeiten \u2013 Amortized <span class=\"f ps24\"> </span></span></div><div class=\"ps21589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cost oder finanzielle Verbindlichkeiten \u2013 Designated Fair Value Through Profit/Loss ausgewiesen. Verbriefte und nicht </span></div><div class=\"ps21590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbriefte Verm\u00f6genswerte sind nachrangig, wenn die Forderungen im Fall der Liquidation oder des Konkurses erst nach den </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen der anderen, nicht nachrangigen Gl\u00e4ubiger befriedigt werden k\u00f6nnen. Erg\u00e4nzungskapital ist gem\u00e4\u00df Art. 63 der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verordnung (EU) Nr 575/2013 (CRR) definiert. Entsprechende Instrumente weisen eine Ursprungslaufzeit von mindestens f\u00fcnf </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahren auf, sind nachrangiger Natur und d\u00fcrfen, unter anderem, keinen Anreiz zur vorzeitigen Tilgung enthalten, den </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inhaber:innen kein Anrecht auf eine Beschleunigung der R\u00fcckzahlung einr\u00e4umen oder Zins- bzw. Dividendenzahlungen <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inkludieren, die in ihrer H\u00f6he von der Bonit\u00e4t des Emittenten beeinflusst werden.</span></div><div class=\"ps21608 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21591\">20.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17950\">22.999<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21592\">12.668<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21593\">12.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17364\">6.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1141\">7.310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21594\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18738\">3.009<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21595\">127.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17371\">117.693<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20221\">88.481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18429\">80.467<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21596\">37.629<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21597\">35.703<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20713\">1.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21598\">1.524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20038\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20255\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Gedeckte Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21599\">6.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">514<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20838\">14.188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13931\">15.576<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon wandelbare zusammengesetzte Finanzinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21601\">2.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20130\">13.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19965\">13.215<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21602\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20215\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10096\">170.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21603\">163.316<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21604\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21605\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Leasingverbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">364<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bereich der Verbindlichkeiten gegen\u00fcber Kreditinstituten verringerten sich die Verbindlichkeiten mit vereinbarter Laufzeit </span></div><div class=\"ps21610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere in der Konzernzentrale, um \u20ac 762 Millionen. Der R\u00fcckgang in den R\u00fcckkaufvereinbarungen fand ebenfalls </span></div><div class=\"ps21611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberwiegend in der Konzernzentrale statt. Hier kam es zu einer Reduktion von \u20ac 1.609 Millionen. </span></div><div class=\"ps21612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die kurzfristigen Betr\u00e4ge/Tagesgeldeinlagen gegen\u00fcber Kunden verzeichneten in Tschechien einen erheblichen Anstieg </span></div><div class=\"ps21613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 5.020 Millionen), wobei die Zunahme bei Einlagen von Haushalten am deutlichsten ausfiel. Des Weiteren erh\u00f6hten </span></div><div class=\"ps21614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich die Verbindlichkeiten mit vereinbarter Laufzeit besonders stark in Ungarn (Anstieg: \u20ac 858 Millionen) und in der Slowakei </span></div><div class=\"ps21615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg: \u20ac 604 Millionen). </span></div><div class=\"ps21616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gedeckten Schuldverschreibungen erh\u00f6hten sich in der Slowakei aufgrund von eigenen Emissionen um \u20ac 1.052 Millionen. Im </span></div><div class=\"ps21617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegensatz dazu verringerten sich die sonstigen verbrieften Verbindlichkeiten, insbesondere in der Konzernzentrale (R\u00fcckgang: </span></div><div class=\"ps21618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0912 Millionen) aufgrund des Auslaufens diverser Emissionen und in der Slowakei (R\u00fcckgang: \u20ac 313 Millionen) aufgrund der <span class=\"f ps24\"> </span></span></div><div class=\"ps21619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzeitigen Tilgung einer Anleihe. <span class=\"f ps24\"> </span></span></div><div class=\"ps21620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen finanziellen Verbindlichkeiten erh\u00f6hten sich aufgrund von schwebenden Verrechnungen und auszuzahlenden </span></div><div class=\"ps21621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betr\u00e4gen \u00fcberwiegend in Russland um \u20ac 310 Millionen.</span></div><div class=\"ps21622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden nach Asset-Klassen:</span></div><div class=\"ps21627 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20353\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">391<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21624\">3.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21625\">3.104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20240\">20.241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20045\">22.607<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20157\">11.978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17149\">11.403<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19187\">46.163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21626\">43.833<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17382\">65.656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps10756\">59.353<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18498\">148.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9394\">140.692<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verbindlichkeiten gegen\u00fcber Haushalten verzeichneten ihre gr\u00f6\u00dften Anstiege in Tschechien (Anstieg: \u20ac 3.708 Millionen), in </span></div><div class=\"ps21630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei (Anstieg: \u20ac 739 Millionen) und in Rum\u00e4nien (Anstieg: \u20ac 598 Millionen) </span><span class=\"f charStyle-9eccfdcb ps21629\">.</span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentliche begebene Schuldverschreibungen:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:111pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps30\">Emittent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21631 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">ISIN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21632 ss158\"><div><div class=\"ps516 ss142\"><span class=\"f charStyle-1dbd4d87 ps30\">Typ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9571 ss905\"><div><div class=\"ps516 ss178\"><span class=\"f charStyle-1dbd4d87 ps16306\">W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps775 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps21633\">Nominale in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps5201\">Millionen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11178 ss905\"><div><div class=\"ps516 ss178\"><span class=\"f charStyle-1dbd4d87 ps15140\">Kupon<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss497\"><div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps1872\">F\u00e4lligkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-3e64e966 ps12753\">Wahl-</span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-3e64e966 ps3248\">R\u00fcckzahlungstag</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21635 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2579606927<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21636 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21637 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21638 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps436\">1.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21639 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6441\"></span><span class=\"ps6441\">4,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21640 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17230\">26.01.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21642 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21641\">26.01.2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21643 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">AT000B015714<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21644 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior private Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21645 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21646 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps501\">800<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11184 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21647 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1923\">17.04.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21648 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21649 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2055627538<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21650 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21651 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21653 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21652\">750<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21654 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5914\"></span><span class=\"ps5914\">0,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21655 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6033\">25.09.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21656 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">TBSK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21657 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">SK4000026043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21658 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21659 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21661 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21660\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21662 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11460\"></span><span class=\"ps11460\">2,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21663 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5188\">09.10.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21664 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">TBSK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21665 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">SK4000027389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21666 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21667 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21668 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21660\">600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21669 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11460\"></span><span class=\"ps11460\">2,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21670 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps19916\">27.05.2030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18687 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2596528716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21672 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21673 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21674 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21675 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21676 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1599\">16.03.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18691 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21677 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2537097409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21678 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21679 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21680 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21681 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9269\"></span><span class=\"ps9269\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21682 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8219\">28.09.2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18696 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21683 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2481491160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21684 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21685 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21686 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21687 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1909\"></span><span class=\"ps1909\">1,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21688 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8211\">24.05.2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18700 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21689 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2626022656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21690 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21691 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21692 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21693 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1227\"></span><span class=\"ps1227\">3,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21694 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7493\">27.09.2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18702 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21695 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2435783613<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21696 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21697 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21698 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21699 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1907\"></span><span class=\"ps1907\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21700 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9422\">26.01.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18705 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21701 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2547936984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21702 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21703 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21704 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21705 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17193\"></span><span class=\"ps17193\">5,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21706 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17288\">27.01.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21707 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2682093526<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21709 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21710 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21711 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21712 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9590\"></span><span class=\"ps9590\">6,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21713 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13556\">15.09.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8540\">15.09.2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21715 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2765027193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21716 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21717 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21718 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11206 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12869\"></span><span class=\"ps12869\">4,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21719 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9422\">21.08.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21720 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12818\">21.08.2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21721 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2086861437<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21722 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21723 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21724 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21725 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1907\"></span><span class=\"ps1907\">0,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21726 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21267\">03.12.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21727 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21728 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2893858352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21729 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21730 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21731 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21732 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21733 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21215\">03.01.2030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21734 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps355\">03.01.2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21735 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2826609971<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21736 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21737 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21738 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21739 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12932\"></span><span class=\"ps12932\">4,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21740 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17785\">31.05.2030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21741 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9896\">31.05.2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21742 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS3166786619<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21743 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21744 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21745 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21747 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21746\"></span><span class=\"ps21746\">3,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21748 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps11079\">27.08.2031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12769\">27.08.2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">TBSK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21750 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">SK4000027918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21751 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21752 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21753 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21754 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9269\"></span><span class=\"ps9269\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21755 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9335\">11.09.2031<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18408\">Nein<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS3004031822<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21758 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21759 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21760 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21761 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21746\"></span><span class=\"ps21746\">3,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21762 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1923\">18.02.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps449\">18.02.2031<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21764 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2189786226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21765 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21766 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21767 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21768 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9269\"></span><span class=\"ps9269\">2,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21769 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps2053\">18.06.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21771 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21770\">18.06.2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21772 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2534786590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21773 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21774 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21775 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21776 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9226\"></span><span class=\"ps9226\">7,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21777 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10262\">20.12.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps231\">20.09.2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2353473692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21780 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21781 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21782 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21783 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17288\"></span><span class=\"ps17288\">1,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21784 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10631\">17.06.2033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8533\">17.03.2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5214 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS3227928911<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21787 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Senior \u00f6ffentliche Platzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21788 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21789 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21790 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10256\"></span><span class=\"ps10256\">3,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21791 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps11402\">13.11.2033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19400\">13.11.2032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21793 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30\">XS2904849879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21794 ss1005\"><div><div class=\"ps31 ss142\"><span class=\"f charStyle-375ad3a6 ps30\">Nachrangkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21795 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1888\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21796 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps510\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21797 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21746\"></span><span class=\"ps21746\">5,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21798 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17777\">02.01.2035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1555\">02.10.2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Berichtsperiode beliefen sich die Aufwendungen f\u00fcr nachrangige Verbindlichkeiten auf \u20ac 91 Millionen (Vorjahr: \u20ac\u00a077 </span></div><div class=\"ps21801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen). </span></div><div class=\"ps21802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung der nachrangigen finanziellen Verbindlichkeiten der Bewertungskategorien Amortized Cost und Designated Fair </span></div><div class=\"ps21803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value Through Profit/Loss:</span></div><div class=\"ps21807 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:381.75pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">2.167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">94<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20208\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17413\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21806\">-194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17516\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span id=\"i0b418d0767b945fab2e3f8d72aebfa11\"></span></span></div><div class=\"ps22118 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18508\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22114\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22116\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(21) Finanzielle Verbindlichkeiten - Held For Trading<span id=\"ifa141fd734e04692b3bc7a3f4ebda254\"></span></span></div><div class=\"ps22208 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21500\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17181\">3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20842\">2.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22204\">2.265<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">598<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22207\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22029\">992<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps12533\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21460\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18459\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20137\">9.304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Derivate kam es zu einer Reduktion, welche auf Bewertungseffekte und Wechselkursschwankungen, insbesondere </span></div><div class=\"ps14852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei Zins- und Fremdw\u00e4hrungsderivaten in der Konzernzentrale, zur\u00fcckzuf\u00fchren ist. Im Posten Verbriefte Verbindlichkeiten kam </span></div><div class=\"ps14853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es hingegen zu einem Anstieg in der Konzernzentrale, welcher auf die Erh\u00f6hung der Hybriden Vertr\u00e4ge zur\u00fcckzuf\u00fchren ist. </span></div><div class=\"ps885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betreffend der Bewertungsgrunds\u00e4tze wird auf den Punkt </span><span class=\"f charStyle-9eccfdcb ps22209\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading</span><span class=\"f charStyle-9eccfdcb ps22210\"> verwiesen</span><span class=\"f charStyle-9eccfdcb ps22211\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-468": {
   "value": "<div class=\"ps21608 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21591\">20.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17950\">22.999<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21592\">12.668<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21593\">12.680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17364\">6.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1141\">7.310<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21594\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18738\">3.009<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21595\">127.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17371\">117.693<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Betr\u00e4ge/Tagesgeldeinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20221\">88.481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18429\">80.467<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21596\">37.629<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21597\">35.703<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckkaufvereinbarung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20713\">1.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21598\">1.524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20038\">21.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20255\">21.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Gedeckte Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21599\">6.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17367\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">514<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20838\">14.188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13931\">15.576<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon wandelbare zusammengesetzte Finanzinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21601\">2.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20130\">13.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19965\">13.215<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21602\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20215\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10096\">170.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21603\">163.316<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21604\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21605\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Leasingverbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">364<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung der nachrangigen finanziellen Verbindlichkeiten der Bewertungskategorien Amortized Cost und Designated Fair </span></div><div class=\"ps21803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value Through Profit/Loss:</span></div><div class=\"ps21807 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:381.75pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">2.167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">94<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20208\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17413\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21806\">-194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17516\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span id=\"i0b418d0767b945fab2e3f8d72aebfa11\"></span></span></div><div class=\"ps22118 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18508\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22114\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22116\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-469": {
   "value": "<div class=\"ps21802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung der nachrangigen finanziellen Verbindlichkeiten der Bewertungskategorien Amortized Cost und Designated Fair </span></div><div class=\"ps21803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value Through Profit/Loss:</span></div><div class=\"ps21807 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:381.75pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">2.167<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">94<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20208\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17413\">2.261<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4nderung des Buchwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Zahlungsmittel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21806\">-194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ver\u00e4nderung des Zeitwerts<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1098\"><div><div class=\"ps31 ss1096\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17516\">2.110<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der Firmenwerte sowie die Bruttobetr\u00e4ge und die kumulierten Wertminderungen von Firmenwerten haben sich </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach zahlungsmittelgenerierenden Einheiten wie folgt entwickelt:</span></div><div class=\"ps22331 ss0\"><div class=\"ss1312 ws0 ps519\"><div><table style=\"border-collapse: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:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11230\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23293 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1450\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8738\">RBCZ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23294 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8667\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23295 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5248\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16652\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23297 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23296\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23298 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps791 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23299 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15143 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23301 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23302 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps799 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23303 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23304 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15144 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Verschmelzung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23305 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23306 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps807 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23307 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23308 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15145 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23309 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23310 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23311 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23312 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15147 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23313 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23314 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps821 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23315 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23316 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15148 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23317 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17799\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23318 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23319 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23320 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps15150 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23321 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7916\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23323 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps23322\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7356\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23324 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12638\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13229\">306<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15151 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps62\">442<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23326 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23327 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17715\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps16894\">-63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23328 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps16496\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23329 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps9444\">-305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15152 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps189\">-404<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1313\"><div><div class=\"ps5906 ss1312\"><span class=\"f charStyle-2babd150 ps30\">1 Umgerechnet zum Durchschnittskurs<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss1312\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBCZ: Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23330 ss0\"><div class=\"ss1312 ws0 ps519\"><div><table style=\"border-collapse: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:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11230\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23293 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1450\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8738\">RBCZ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23294 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8667\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23295 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5248\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16652\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23297 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17799\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23298 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps791 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23299 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15143 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23301 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23302 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps799 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23303 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23304 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15144 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Verschmelzung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23305 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23306 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps807 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23307 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23308 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15145 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23309 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23310 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23311 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23312 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15147 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23313 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23314 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps821 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23315 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23316 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15148 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23317 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23296\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23318 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23319 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23320 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps15150 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23321 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps22192\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23323 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps23322\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7275\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23324 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12638\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps15881\">291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15151 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps19584\">425<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23326 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23327 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17715\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12622\">-61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23328 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps16496\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23329 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps10879\">-290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15152 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7071\">-387<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps151 ss1313\"><div><div class=\"ps5906 ss1312\"><span class=\"f charStyle-2babd150 ps30\">1 Umgerechnet zum Durchschnittskurs<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss1312\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBCZ: Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23809 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23586\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23780\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps21889\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23786\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23790\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23794\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23805\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23821 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23810\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23811\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-e680a4f6 ps23813\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-e680a4f6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-e680a4f6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23814\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23815\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps22232\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23816\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23817\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23818\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23819\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23820\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23865\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20555\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13625\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23878\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20847\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20635\">261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23896 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20656\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23890\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22059\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23891\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20072\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21480\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23892\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23893\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23894\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23895\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle enth\u00e4lt Finanzinformationen der wesentlichen Tochterunternehmen (inkl. beherrschender Anteile), an </span></div><div class=\"ps24268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">denen nicht beherrschende Anteile bestehen.</span></div><div class=\"ps24306 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:166.5pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1358\"><div><div class=\"ps1485 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps2005\">Raiffeisen Bank JSC,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps1501\">Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22007 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps10934\">Raiffeisenbank a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps13435\">Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps24269\">Tatra banka a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps21251\">Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22008 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps13194\">Valida Pension AG,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps24270\">Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24271 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20424\">479<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24273 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24272\">828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24274 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps1102\">715<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24276 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24275\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22015 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20393\">229<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22016 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20558\">393<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22017 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24277\">240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22018 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24278\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22037\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22021 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24279\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22023 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22026 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24280\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22027 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24281\">474<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22028 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24282\">241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22030 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24283\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24284\">3.747<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24053\">15.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20138\">6.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21978\">90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20122\">1.255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22040 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps531\">18.420<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20259\">16.490<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22043 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20393\">262<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22084\">4.195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22046 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps17364\">29.624<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20168\">18.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22048 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21532\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21983\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22051 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20235\">1.997<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24285\">2.938<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22053 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21933\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22056 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps794\">773<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22057 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20559\">2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10363 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps11235\">1.651<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22058 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24286\">218<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus operativer Gesch\u00e4ftst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22062 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24287\">140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22063 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20354\">2.178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22064 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20656\">802<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22065 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24278\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Investitionst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22068 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24288\">-69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22069 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24289\">-1.409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20866\">-786<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22071 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24290\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Finanzierungst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22073 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24291\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22074 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24292\">-358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22075 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20108\">-207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22077 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24293 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19930\">-157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24294 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20620\">-92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10379 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24295 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1603 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozahlungsstr\u00f6me gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24296 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20555\">-88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24297 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21550\">319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24298 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20189\">-192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24300 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24299\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-6d404c82 ps30\">Nicht beherrschenden Anteilen gezahlte Dividenden</span><span class=\"f charStyle-ef1a5293 ps24301\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24302 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24303 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21540\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24304 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20739\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24305 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss1360\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 In Kapitalfl\u00fcssen aus Finanzierungst\u00e4tigkeit enthalten<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:166.5pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1358\"><div><div class=\"ps1485 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps2005\">Raiffeisen Bank JSC,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps1501\">Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22007 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps10934\">Raiffeisenbank a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps13435\">Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps24269\">Tatra banka a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps21251\">Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22008 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps13194\">Valida Pension AG,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps24270\">Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24271 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13404\">477<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24273 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps786\">690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24274 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps786\">660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24276 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20739\">39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22015 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24064\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22016 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps16748\">289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22017 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19287\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22018 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21472\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24275\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22021 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24308\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22023 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22026 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21519\">111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22027 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps808\">259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22028 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24286\">218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22030 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21990\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24309\">3.711<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24310\">13.517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21980\">6.012<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21978\">60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps18480\">1.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22040 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22117\">15.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps18395\">14.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22043 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22013\">275<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24311\">4.318<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22046 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21530\">24.894<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24312\">16.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22048 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21534\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21981\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22051 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21607\">2.351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24313\">2.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22053 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19287\">126<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22056 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20676\">623<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22057 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20018\">2.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10363 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20730\">1.604<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22058 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21544\">200<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus operativer Gesch\u00e4ftst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22062 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20882\">391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22063 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24314\">1.338<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22064 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps5676\">-1.532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22065 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13404\">-44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Investitionst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22068 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20394\">379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22069 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20719\">-1.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23748\">-729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22071 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24315\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Finanzierungst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22073 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24291\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22074 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24316\">-146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22075 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24317\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22077 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24293 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21532\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24294 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24318\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10379 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24295 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1603 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozahlungsstr\u00f6me gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24296 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24319\">780<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24297 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24320\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24298 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23106\">-2.453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24300 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps19181\">-58<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-6d404c82 ps30\">Nicht beherrschenden Anteilen gezahlte Dividenden</span><span class=\"f charStyle-ef1a5293 ps24301\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24302 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24303 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24321\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24304 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20612\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24305 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss1360\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 In Kapitalfl\u00fcssen aus Finanzierungst\u00e4tigkeit enthalten<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-470": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(18) Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair <span id=\"i042f4693f9be4cfa9a3f6706415f2ffa\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value Through Profit/Loss</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein finanzieller Verm\u00f6genswert wird in der RBI verpflichtend zum Fair Value ausgewiesen, wenn der finanzielle Verm\u00f6genswert </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weder zu fortgef\u00fchrten Anschaffungskosten noch zum Fair Value Through Other Comprehensive Income bewertet wird, zudem </span></div><div class=\"ps16933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Handelsabsicht besteht und der Verm\u00f6genswert nicht freiwillig zum Fair Value designiert wurde. Im Wesentlichen handelt </span></div><div class=\"ps21810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sich hierbei um Wertpapiere und Kredite, die die \u00dcberpr\u00fcfung der vertraglichen Zahlungsstrombedingungen nicht erf\u00fcllen, </span></div><div class=\"ps21811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. Portfolios von finanziellen Verm\u00f6genswerten, die nicht Handelszwecken dienen, die anhand des Fair Values gesteuert und </span></div><div class=\"ps21812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach dessen Wertentwicklung beurteilt werden.</span></div><div class=\"ps21853 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20612\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20644\">410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20142\">399<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22083\">22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20345\">196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22084\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21956\">689<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22085\">277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">187<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21539\">636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">476<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21542\">1.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17356\">1.094<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(19) Finanzielle Verm\u00f6genswerte und Verbindlichkeiten \u2013 Designated Fair <span id=\"i865a4016071b4a02a0a6724f0ba04d20\"></span></span></div><div class=\"ps22088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value Through Profit/Loss</span></div><div class=\"ps22089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Kategorie umfasst im Wesentlichen jene finanziellen Verm\u00f6genswerte, die zum Zeitpunkt des erstmaligen Bilanzansatzes </span></div><div class=\"ps22090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflich als designiertes Finanzinstrument zum Fair Value gewidmet wurden (sog. Fair-Value-Option). Die Anwendung der </span></div><div class=\"ps22091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Option ist an die Voraussetzung gekn\u00fcpft, dass Inkongruenzen bei der Bewertung oder beim Ansatz beseitigt oder </span></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant verringert werden. Diese entstehen, wenn die Bewertung von finanziellen Verm\u00f6genswerten oder Verbindlichkeiten <span class=\"f ps24\"> </span></span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder die Erfassung von daraus resultierenden Gewinnen oder Verlusten auf unterschiedlicher Grundlage erfolgt. <span class=\"f ps24\"> </span></span></div><div class=\"ps22094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso werden finanzielle Verbindlichkeiten als Finanzinstrumente zum Fair Value designiert, um Bewertungsabweichungen </span></div><div class=\"ps22095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von den mit ihnen im Zusammenhang stehenden Derivaten zu vermeiden. Der Fair Value der unter Anwendung der Fair-Value-</span></div><div class=\"ps22096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Option in diese Kategorie klassifizierten finanziellen Verpflichtungen enth\u00e4lt s\u00e4mtliche Marktrisikofaktoren einschlie\u00dflich des </span></div><div class=\"ps22097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit diesen finanziellen Verpflichtungen in Verbindung stehenden Kreditrisikos des Emittenten. </span></div><div class=\"ps22098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den finanziellen Verpflichtungen geh\u00f6ren im Wesentlichen strukturierte Anleihen. Der Fair Value dieser finanziellen </span></div><div class=\"ps22099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen wird durch die Abzinsung der vertraglichen Cash-Flows mithilfe einer kreditrisikoadjustierten Zinsstrukturkurve </span></div><div class=\"ps22100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt, die das Niveau widerspiegelt, auf dem der Konzern \u00e4hnliche Finanzinstrumente zum Bilanzstichtag begeben w\u00fcrde. </span></div><div class=\"ps22101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Marktrisikoparameter werden anhand vergleichbarer Finanzinstrumente ermittelt. Bewertungsergebnisse f\u00fcr </span></div><div class=\"ps22102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die als Finanzinstrument zum Fair Value designiert wurden, werden im Handelsergebnis und Ergebnis aus </span></div><div class=\"ps22103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Bewertungen ausgewiesen. </span></div><div class=\"ps22104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse im Handelsergebnis und Ergebnis </span></div><div class=\"ps22105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen ausgewiesen. Bei finanziellen Verbindlichkeiten, die erfolgswirksam zum beizulegenden Zeitwert </span></div><div class=\"ps22106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designiert werden, sind \u00c4nderungen des Fair Values, die auf eine \u00c4nderung des eigenen Kreditrisikos zur\u00fcckzuf\u00fchren sind, nicht </span></div><div class=\"ps22107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Erfolgsrechnung, sondern im sonstigen Ergebnis ausgewiesen.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span id=\"i9e39870f126b4d3abb3606a2f1378d15\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span id=\"i0b418d0767b945fab2e3f8d72aebfa11\"></span></span></div><div class=\"ps22118 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18508\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22114\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22116\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-471": {
   "value": "<div class=\"ps22087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(19) Finanzielle Verm\u00f6genswerte und Verbindlichkeiten \u2013 Designated Fair <span id=\"i865a4016071b4a02a0a6724f0ba04d20\"></span></span></div><div class=\"ps22088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value Through Profit/Loss</span></div><div class=\"ps22089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Kategorie umfasst im Wesentlichen jene finanziellen Verm\u00f6genswerte, die zum Zeitpunkt des erstmaligen Bilanzansatzes </span></div><div class=\"ps22090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflich als designiertes Finanzinstrument zum Fair Value gewidmet wurden (sog. Fair-Value-Option). Die Anwendung der </span></div><div class=\"ps22091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Option ist an die Voraussetzung gekn\u00fcpft, dass Inkongruenzen bei der Bewertung oder beim Ansatz beseitigt oder </span></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">signifikant verringert werden. Diese entstehen, wenn die Bewertung von finanziellen Verm\u00f6genswerten oder Verbindlichkeiten <span class=\"f ps24\"> </span></span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder die Erfassung von daraus resultierenden Gewinnen oder Verlusten auf unterschiedlicher Grundlage erfolgt. <span class=\"f ps24\"> </span></span></div><div class=\"ps22094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso werden finanzielle Verbindlichkeiten als Finanzinstrumente zum Fair Value designiert, um Bewertungsabweichungen </span></div><div class=\"ps22095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von den mit ihnen im Zusammenhang stehenden Derivaten zu vermeiden. Der Fair Value der unter Anwendung der Fair-Value-</span></div><div class=\"ps22096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Option in diese Kategorie klassifizierten finanziellen Verpflichtungen enth\u00e4lt s\u00e4mtliche Marktrisikofaktoren einschlie\u00dflich des </span></div><div class=\"ps22097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit diesen finanziellen Verpflichtungen in Verbindung stehenden Kreditrisikos des Emittenten. </span></div><div class=\"ps22098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den finanziellen Verpflichtungen geh\u00f6ren im Wesentlichen strukturierte Anleihen. Der Fair Value dieser finanziellen </span></div><div class=\"ps22099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen wird durch die Abzinsung der vertraglichen Cash-Flows mithilfe einer kreditrisikoadjustierten Zinsstrukturkurve </span></div><div class=\"ps22100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt, die das Niveau widerspiegelt, auf dem der Konzern \u00e4hnliche Finanzinstrumente zum Bilanzstichtag begeben w\u00fcrde. </span></div><div class=\"ps22101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Marktrisikoparameter werden anhand vergleichbarer Finanzinstrumente ermittelt. Bewertungsergebnisse f\u00fcr </span></div><div class=\"ps22102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten, die als Finanzinstrument zum Fair Value designiert wurden, werden im Handelsergebnis und Ergebnis aus </span></div><div class=\"ps22103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fair-Value-Bewertungen ausgewiesen. </span></div><div class=\"ps22104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse im Handelsergebnis und Ergebnis </span></div><div class=\"ps22105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen ausgewiesen. Bei finanziellen Verbindlichkeiten, die erfolgswirksam zum beizulegenden Zeitwert </span></div><div class=\"ps22106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designiert werden, sind \u00c4nderungen des Fair Values, die auf eine \u00c4nderung des eigenen Kreditrisikos zur\u00fcckzuf\u00fchren sind, nicht </span></div><div class=\"ps22107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Erfolgsrechnung, sondern im sonstigen Ergebnis ausgewiesen.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span id=\"i9e39870f126b4d3abb3606a2f1378d15\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">193<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">281<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22111\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzielle Verbindlichkeiten - Designated Fair Value Through Profit/Loss<span id=\"i0b418d0767b945fab2e3f8d72aebfa11\"></span></span></div><div class=\"ps22118 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20654\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20695\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20425\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten mit vereinbarter Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18508\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22114\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nicht wandelbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21468\">1.067<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22116\">1.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon nachrangige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-473": {
   "value": "<div class=\"ps22120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading<span id=\"i0032ec4a067f4bbaa371ce022647eae2\"></span></span></div><div class=\"ps22121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verm\u00f6genswerte und finanzielle Verbindlichkeiten \u2013 Held For Trading dienen der Nutzung von kurzfristigen </span></div><div class=\"ps22122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktpreisschwankungen. Die zu Handelszwecken dienenden Wertpapiere und derivativen Finanzinstrumente werden zum Fair </span></div><div class=\"ps22123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value bilanziert. F\u00fcr die Ermittlung des Fair Values werden bei b\u00f6rsennotierten Produkten die B\u00f6rsenkurse herangezogen. Sind <span class=\"f ps24\"> </span></span></div><div class=\"ps22124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Kurse nicht vorhanden, werden bei origin\u00e4ren Finanzinstrumenten und Termingesch\u00e4ften auf Basis von </span></div><div class=\"ps22125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnungen und bei Optionen anhand von geeigneten Optionspreismodellen interne Preise ermittelt. Der </span></div><div class=\"ps22126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnung wird eine Zinskurve zugrunde gelegt, die sich aus Geldmarkt-, Future- und Swaps\u00e4tzen zusammensetzt. </span></div><div class=\"ps22127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn positive Marktwerte bestehen, werden die Gesch\u00e4fte den finanziellen Verm\u00f6genswerten \u2013 Held For Trading zugeordnet, <span class=\"f ps24\"> </span></span></div><div class=\"ps22128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei negativen Marktwerten erfolgt ein Ausweis unter den finanziellen Verbindlichkeiten \u2013 Held For Trading. Die Wert\u00e4nderung </span></div><div class=\"ps22129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Marktwerts wird erfolgswirksam im Handelsergebnis dargestellt. Derivate, die Sicherungszwecken gem\u00e4\u00df IAS 39 dienen, </span></div><div class=\"ps22130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter dem Bilanzposten Hedge Accounting ausgewiesen. Au\u00dferdem sind etwaige Lieferverbindlichkeiten aus </span></div><div class=\"ps22131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapier-Leerverk\u00e4ufen in den finanziellen Verbindlichkeiten \u2013 Held For Trading dargestellt.</span></div><div class=\"ps22132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalgarantierte Produkte (Garantiefonds und Zukunftsvorsorge) werden als verkaufte Put-Optionen auf den jeweils zu </span></div><div class=\"ps22133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">garantierenden Fonds dargestellt. Der Konzern hat im Rahmen der staatlich gef\u00f6rderten pr\u00e4mienbeg\u00fcnstigten </span></div><div class=\"ps22134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zukunftsvorsorge gem. \u00a7 108h Abs 1 Z 3 EStG Kapitalgarantieverpflichtungen abgegeben. Dabei garantiert das Kreditinstitut, </span></div><div class=\"ps22135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass im Fall einer Verrentung der f\u00fcr die Verrentung zur Verf\u00fcgung stehende Auszahlungsbetrag nicht geringer ist als die </span></div><div class=\"ps22136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Summe der vom Steuerpflichtigen eingezahlten Betr\u00e4ge zuz\u00fcglich der f\u00fcr diesen Steuerpflichtigen gutgeschriebenen Pr\u00e4mien </span></div><div class=\"ps22137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Sinn des \u00a7 108g EStG. </span></div><div class=\"ps22138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse werden im Handelsergebnis und </span></div><div class=\"ps22139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen ausgewiesen.</span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18729\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22140\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22141\">2.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22142\">2.318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22143\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21962\">440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22144\">646<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20568\">523<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20120\">453<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20784\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13368\">54<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1188\">258<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20543\">3.330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">2.087<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">2.827<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22146\">1.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22148\">7.230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22149\">5.945<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Innerhalb des Postens finanzielle Verm\u00f6genswerte \u2013 Held for Trading betrugen die als Sicherheit gestellten Wertpapiere, zu </span></div><div class=\"ps22151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deren Verkauf oder Verpf\u00e4ndung der Empf\u00e4nger berechtigt ist, \u20ac\u00a064 Millionen (Vorjahr: \u20ac\u00a0462 Millionen). Der Anstieg der </span></div><div class=\"ps22152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldverschreibungen resultierte vorwiegend aus Zuk\u00e4ufen von Staatsanleihen in der Konzernzentrale.</span></div><div class=\"ps22153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Derivative Finanzinstrumente<span id=\"i4cb8feb7cf49461fb82171010e4b9a12\"></span></span></div><div class=\"ps22154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit wickelt die RBI Transaktionen mit derivativen Finanzinstrumenten sowohl zu </span></div><div class=\"ps22155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handels- als auch zu Sicherungszwecken ab. Zu den in der RBI eingesetzten Derivaten z\u00e4hlen Swaps, standardisierte </span></div><div class=\"ps22156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Terminkontrakte, Termingesch\u00e4fte, Kreditderivate, Optionen und \u00e4hnliche Kontrakte. RBI setzt Derivate ein, um den </span></div><div class=\"ps22157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bed\u00fcrfnissen der Kund:innen im Rahmen von deren Risikomanagement Rechnung zu tragen, um Risiken zu steuern und </span></div><div class=\"ps22158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzusichern sowie um Ertr\u00e4ge im Eigenhandel zu generieren. Derivate werden zum Zeitpunkt des Vertragsabschlusses zum </span></div><div class=\"ps22159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert angesetzt und anschlie\u00dfend auch zu diesem bewertet. Der aus der Bewertung resultierende Gewinn </span></div><div class=\"ps22160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder Verlust wird im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen erfasst, es sei denn, das Derivat ist als </span></div><div class=\"ps22161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsinstrument im Rahmen des Hedge Accounting designiert und effektiv. Hier h\u00e4ngt der Zeitpunkt der Erfassung der </span></div><div class=\"ps22162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse von der Art der Sicherungsbeziehung ab. </span></div><div class=\"ps22163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung gegen Marktrisiken (ausgenommen Handelsaktiva/-passiva) abgeschlossen und gegen ein </span></div><div class=\"ps22164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inhomogenes Portfolio gestellt werden, erf\u00fcllen nicht die Bedingung f\u00fcr IAS 39 Hedge Accounting. Sie werden bilanziert, indem </span></div><div class=\"ps22165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dirty Prices unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 Held <span class=\"f ps24\"> </span></span></div><div class=\"ps22166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">For Trading ausgewiesen werden. Die Wert\u00e4nderung dieser Derivate auf Basis des Clean Prices ist im Handelsergebnis und </span></div><div class=\"ps22167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen dargestellt, die Zinsen werden im Zins\u00fcberschuss gezeigt.</span></div><div class=\"ps22168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditderivate, deren Wert von dem in der Zukunft erwarteten (Nicht-)Eintritt spezifizierter Kreditereignisse abh\u00e4ngt, sind mit </span></div><div class=\"ps22169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Marktwert unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 </span></div><div class=\"ps22170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Held For Trading ausgewiesen. Die Wert\u00e4nderungen werden im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen </span></div><div class=\"ps22171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps22190 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10962\">199.602<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4169\">3.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17778\">-2.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7791\">141.690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">2.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-2.195<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">4.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19212\">-142<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17793\">48.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-317<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17516\">1.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20215\">-41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">3.139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">18.142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18699\">175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">-85<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17961\">13.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18695\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9359\">5.006<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19541\">217.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4121\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17790\">-2.785<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22185\">215.803<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17396\">3.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22187\">-2.759<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22188\">1.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1172\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7247\">195.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18735\">3.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22192\">-2.824<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8084\">141.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20916\">2.170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.199<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22193\">3.966<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22195\">-121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22196\">47.415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5233\">1.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20257\">-30<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17187\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22198\">12.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10764\">-208<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">7.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">5.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">-130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15126\">208.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8920\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17496\">-3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12774\">206.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20169\">3.388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22200\">-3.004<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17393\">1.944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-472": {
   "value": "<div class=\"ps22120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading<span id=\"i0032ec4a067f4bbaa371ce022647eae2\"></span></span></div><div class=\"ps22121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzielle Verm\u00f6genswerte und finanzielle Verbindlichkeiten \u2013 Held For Trading dienen der Nutzung von kurzfristigen </span></div><div class=\"ps22122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktpreisschwankungen. Die zu Handelszwecken dienenden Wertpapiere und derivativen Finanzinstrumente werden zum Fair </span></div><div class=\"ps22123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value bilanziert. F\u00fcr die Ermittlung des Fair Values werden bei b\u00f6rsennotierten Produkten die B\u00f6rsenkurse herangezogen. Sind <span class=\"f ps24\"> </span></span></div><div class=\"ps22124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Kurse nicht vorhanden, werden bei origin\u00e4ren Finanzinstrumenten und Termingesch\u00e4ften auf Basis von </span></div><div class=\"ps22125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnungen und bei Optionen anhand von geeigneten Optionspreismodellen interne Preise ermittelt. Der </span></div><div class=\"ps22126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnung wird eine Zinskurve zugrunde gelegt, die sich aus Geldmarkt-, Future- und Swaps\u00e4tzen zusammensetzt. </span></div><div class=\"ps22127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn positive Marktwerte bestehen, werden die Gesch\u00e4fte den finanziellen Verm\u00f6genswerten \u2013 Held For Trading zugeordnet, <span class=\"f ps24\"> </span></span></div><div class=\"ps22128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei negativen Marktwerten erfolgt ein Ausweis unter den finanziellen Verbindlichkeiten \u2013 Held For Trading. Die Wert\u00e4nderung </span></div><div class=\"ps22129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Marktwerts wird erfolgswirksam im Handelsergebnis dargestellt. Derivate, die Sicherungszwecken gem\u00e4\u00df IAS 39 dienen, </span></div><div class=\"ps22130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter dem Bilanzposten Hedge Accounting ausgewiesen. Au\u00dferdem sind etwaige Lieferverbindlichkeiten aus </span></div><div class=\"ps22131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapier-Leerverk\u00e4ufen in den finanziellen Verbindlichkeiten \u2013 Held For Trading dargestellt.</span></div><div class=\"ps22132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalgarantierte Produkte (Garantiefonds und Zukunftsvorsorge) werden als verkaufte Put-Optionen auf den jeweils zu </span></div><div class=\"ps22133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">garantierenden Fonds dargestellt. Der Konzern hat im Rahmen der staatlich gef\u00f6rderten pr\u00e4mienbeg\u00fcnstigten </span></div><div class=\"ps22134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zukunftsvorsorge gem. \u00a7 108h Abs 1 Z 3 EStG Kapitalgarantieverpflichtungen abgegeben. Dabei garantiert das Kreditinstitut, </span></div><div class=\"ps22135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass im Fall einer Verrentung der f\u00fcr die Verrentung zur Verf\u00fcgung stehende Auszahlungsbetrag nicht geringer ist als die </span></div><div class=\"ps22136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Summe der vom Steuerpflichtigen eingezahlten Betr\u00e4ge zuz\u00fcglich der f\u00fcr diesen Steuerpflichtigen gutgeschriebenen Pr\u00e4mien </span></div><div class=\"ps22137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Sinn des \u00a7 108g EStG. </span></div><div class=\"ps22138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsertr\u00e4ge werden im Zins\u00fcberschuss dargestellt, Bewertungs- und Ver\u00e4u\u00dferungsergebnisse werden im Handelsergebnis und </span></div><div class=\"ps22139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen ausgewiesen.</span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18729\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22140\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22141\">2.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22142\">2.318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22143\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18480\">382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21962\">440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22144\">646<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20568\">523<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20120\">453<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20784\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13368\">54<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1188\">258<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20543\">3.330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20333\">2.087<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20370\">2.827<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22146\">1.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps874 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20393\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20363 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20365 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20367 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20569 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22148\">7.230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20571 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22149\">5.945<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Innerhalb des Postens finanzielle Verm\u00f6genswerte \u2013 Held for Trading betrugen die als Sicherheit gestellten Wertpapiere, zu </span></div><div class=\"ps22151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deren Verkauf oder Verpf\u00e4ndung der Empf\u00e4nger berechtigt ist, \u20ac\u00a064 Millionen (Vorjahr: \u20ac\u00a0462 Millionen). Der Anstieg der </span></div><div class=\"ps22152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldverschreibungen resultierte vorwiegend aus Zuk\u00e4ufen von Staatsanleihen in der Konzernzentrale.</span></div><div class=\"ps22153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Derivative Finanzinstrumente<span id=\"i4cb8feb7cf49461fb82171010e4b9a12\"></span></span></div><div class=\"ps22154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit wickelt die RBI Transaktionen mit derivativen Finanzinstrumenten sowohl zu </span></div><div class=\"ps22155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handels- als auch zu Sicherungszwecken ab. Zu den in der RBI eingesetzten Derivaten z\u00e4hlen Swaps, standardisierte </span></div><div class=\"ps22156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Terminkontrakte, Termingesch\u00e4fte, Kreditderivate, Optionen und \u00e4hnliche Kontrakte. RBI setzt Derivate ein, um den </span></div><div class=\"ps22157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bed\u00fcrfnissen der Kund:innen im Rahmen von deren Risikomanagement Rechnung zu tragen, um Risiken zu steuern und </span></div><div class=\"ps22158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzusichern sowie um Ertr\u00e4ge im Eigenhandel zu generieren. Derivate werden zum Zeitpunkt des Vertragsabschlusses zum </span></div><div class=\"ps22159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert angesetzt und anschlie\u00dfend auch zu diesem bewertet. Der aus der Bewertung resultierende Gewinn </span></div><div class=\"ps22160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder Verlust wird im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen erfasst, es sei denn, das Derivat ist als </span></div><div class=\"ps22161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsinstrument im Rahmen des Hedge Accounting designiert und effektiv. Hier h\u00e4ngt der Zeitpunkt der Erfassung der </span></div><div class=\"ps22162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse von der Art der Sicherungsbeziehung ab. </span></div><div class=\"ps22163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung gegen Marktrisiken (ausgenommen Handelsaktiva/-passiva) abgeschlossen und gegen ein </span></div><div class=\"ps22164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inhomogenes Portfolio gestellt werden, erf\u00fcllen nicht die Bedingung f\u00fcr IAS 39 Hedge Accounting. Sie werden bilanziert, indem </span></div><div class=\"ps22165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dirty Prices unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 Held <span class=\"f ps24\"> </span></span></div><div class=\"ps22166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">For Trading ausgewiesen werden. Die Wert\u00e4nderung dieser Derivate auf Basis des Clean Prices ist im Handelsergebnis und </span></div><div class=\"ps22167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen dargestellt, die Zinsen werden im Zins\u00fcberschuss gezeigt.</span></div><div class=\"ps22168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditderivate, deren Wert von dem in der Zukunft erwarteten (Nicht-)Eintritt spezifizierter Kreditereignisse abh\u00e4ngt, sind mit </span></div><div class=\"ps22169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Marktwert unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 </span></div><div class=\"ps22170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Held For Trading ausgewiesen. Die Wert\u00e4nderungen werden im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen </span></div><div class=\"ps22171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps22190 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10962\">199.602<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4169\">3.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17778\">-2.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7791\">141.690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">2.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-2.195<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">4.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19212\">-142<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17793\">48.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-317<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17516\">1.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20215\">-41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">3.139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">18.142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18699\">175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">-85<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17961\">13.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18695\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9359\">5.006<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19541\">217.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4121\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17790\">-2.785<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22185\">215.803<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17396\">3.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22187\">-2.759<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22188\">1.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1172\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7247\">195.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18735\">3.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22192\">-2.824<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8084\">141.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20916\">2.170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.199<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22193\">3.966<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22195\">-121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22196\">47.415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5233\">1.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20257\">-30<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17187\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22198\">12.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10764\">-208<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">7.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">5.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">-130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15126\">208.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8920\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17496\">-3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12774\">206.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20169\">3.388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22200\">-3.004<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17393\">1.944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(21) Finanzielle Verbindlichkeiten - Held For Trading<span id=\"ifa141fd734e04692b3bc7a3f4ebda254\"></span></span></div><div class=\"ps22208 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21500\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17181\">3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20842\">2.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22204\">2.265<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">598<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22207\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22029\">992<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps12533\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21460\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18459\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20137\">9.304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Derivate kam es zu einer Reduktion, welche auf Bewertungseffekte und Wechselkursschwankungen, insbesondere </span></div><div class=\"ps14852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei Zins- und Fremdw\u00e4hrungsderivaten in der Konzernzentrale, zur\u00fcckzuf\u00fchren ist. Im Posten Verbriefte Verbindlichkeiten kam </span></div><div class=\"ps14853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es hingegen zu einem Anstieg in der Konzernzentrale, welcher auf die Erh\u00f6hung der Hybriden Vertr\u00e4ge zur\u00fcckzuf\u00fchren ist. </span></div><div class=\"ps885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betreffend der Bewertungsgrunds\u00e4tze wird auf den Punkt </span><span class=\"f charStyle-9eccfdcb ps22209\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading</span><span class=\"f charStyle-9eccfdcb ps22210\"> verwiesen</span><span class=\"f charStyle-9eccfdcb ps22211\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-475": {
   "value": "<div class=\"ps22154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit wickelt die RBI Transaktionen mit derivativen Finanzinstrumenten sowohl zu </span></div><div class=\"ps22155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handels- als auch zu Sicherungszwecken ab. Zu den in der RBI eingesetzten Derivaten z\u00e4hlen Swaps, standardisierte </span></div><div class=\"ps22156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Terminkontrakte, Termingesch\u00e4fte, Kreditderivate, Optionen und \u00e4hnliche Kontrakte. RBI setzt Derivate ein, um den </span></div><div class=\"ps22157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bed\u00fcrfnissen der Kund:innen im Rahmen von deren Risikomanagement Rechnung zu tragen, um Risiken zu steuern und </span></div><div class=\"ps22158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzusichern sowie um Ertr\u00e4ge im Eigenhandel zu generieren. Derivate werden zum Zeitpunkt des Vertragsabschlusses zum </span></div><div class=\"ps22159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert angesetzt und anschlie\u00dfend auch zu diesem bewertet. Der aus der Bewertung resultierende Gewinn </span></div><div class=\"ps22160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder Verlust wird im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen erfasst, es sei denn, das Derivat ist als </span></div><div class=\"ps22161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsinstrument im Rahmen des Hedge Accounting designiert und effektiv. Hier h\u00e4ngt der Zeitpunkt der Erfassung der </span></div><div class=\"ps22162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse von der Art der Sicherungsbeziehung ab. </span></div><div class=\"ps22163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung gegen Marktrisiken (ausgenommen Handelsaktiva/-passiva) abgeschlossen und gegen ein </span></div><div class=\"ps22164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inhomogenes Portfolio gestellt werden, erf\u00fcllen nicht die Bedingung f\u00fcr IAS 39 Hedge Accounting. Sie werden bilanziert, indem </span></div><div class=\"ps22165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dirty Prices unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 Held <span class=\"f ps24\"> </span></span></div><div class=\"ps22166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">For Trading ausgewiesen werden. Die Wert\u00e4nderung dieser Derivate auf Basis des Clean Prices ist im Handelsergebnis und </span></div><div class=\"ps22167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen dargestellt, die Zinsen werden im Zins\u00fcberschuss gezeigt.</span></div><div class=\"ps22168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditderivate, deren Wert von dem in der Zukunft erwarteten (Nicht-)Eintritt spezifizierter Kreditereignisse abh\u00e4ngt, sind mit </span></div><div class=\"ps22169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Marktwert unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 </span></div><div class=\"ps22170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Held For Trading ausgewiesen. Die Wert\u00e4nderungen werden im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen </span></div><div class=\"ps22171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps22212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(22) Hedge Accounting und Fair-Value Anpassungen aus Portfolio-Fair-<span id=\"i0cffa250e0d743afb78e62fbbb6c551c\"></span></span></div><div class=\"ps22213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value-Hedges</span></div><div class=\"ps22214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS 9 r\u00e4umte in Bezug auf die Bilanzierung von Sicherungsbeziehungen das Wahlrecht ein, weiterhin die Vorschriften des IAS 39 </span></div><div class=\"ps22215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzuwenden, bis das IASB das bestehende Projekt zur Abl\u00f6sung der Portfolio Hedge Accounting - Regelungen in IAS 39 </span></div><div class=\"ps22216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen hat. Die RBI machte Gebrauch von diesem Wahlrecht und wendet daher weiterhin die Vorschriften zur </span></div><div class=\"ps22217 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzierung von Sicherungsbeziehungen gem\u00e4\u00df IAS 39 in der von der EU \u00fcbernommenen Version (\u201cEU-Carve-Out\u201d) an, jedoch </span></div><div class=\"ps22218 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung der \u00c4nderungen in den Anhangangaben nach IFRS 7. </span></div><div class=\"ps22219 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden einzelne Sicherungsinstrumente, im Wesentlichen Derivate, zum Zweck des Risikomanagements gehalten und erf\u00fcllen </span></div><div class=\"ps22220 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Gesch\u00e4fte spezifische Kriterien, werden sie von der RBI ins Hedge Accounting designiert. Dies kann im Rahmen der </span></div><div class=\"ps22221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung des beizulegenden Zeitwerts (Fair Value Hedge), von Zahlungsstr\u00f6men (Cash-Flow Hedge) oder von </span></div><div class=\"ps22222 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoinvestitionen in wirtschaftlich selbst\u00e4ndige Teileinheiten (Net Investment Hedge) geschehen. Zu Beginn der </span></div><div class=\"ps22223 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehung wird der Zusammenhang zwischen Grund- und Sicherungsgesch\u00e4ft einschlie\u00dflich der zugrunde liegenden </span></div><div class=\"ps22224 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Ziele dokumentiert. Weiters wird sowohl bei Eingehen der Sicherungsbeziehung als auch in deren Verlauf </span></div><div class=\"ps22225 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig festgestellt, ob das in der Sicherungsbeziehung designierte Sicherungsinstrument hinsichtlich der Kompensation </span></div><div class=\"ps22226 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der \u00c4nderungen des beizulegenden Zeitwerts bzw. der Cash-Flows des Grundgesch\u00e4fts in hohem Ma\u00df effektiv ist.</span></div><div class=\"ps22236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Hedge Accounting - Zusatzangaben<span id=\"id3825f2f8297444e8a81c8de9b0016df\"></span></span></div><div class=\"ps22237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig vom abzusichernden Risiko werden Absicherungsbeziehungen entweder als Fair Value Hedge oder als Cash-Flow </span></div><div class=\"ps22238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge dargestellt, Ziel ist dabei die Reduktion von Zinsrisiko und Volatilit\u00e4t in der Erfolgsrechnung. Beide Arten k\u00f6nnen auf </span></div><div class=\"ps22239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mikroebene sowie in Portfolios modelliert werden. Die Absicherung des Nettoinvestitionsrisikos wird insbesondere auf </span></div><div class=\"ps22240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kursschwankungen des rum\u00e4nischen Leus, der tschechischen Krone, des ungarischen Forints und des serbischen Dinars </span></div><div class=\"ps22241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewandt. </span></div><div class=\"ps22242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen von Fair Value Hedges und Cash-Flow Hedges werden unterschiedliche Finanzinstrumente als gesicherte </span></div><div class=\"ps22243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundgesch\u00e4fte in Sicherungsbeziehungen designiert. Den gr\u00f6\u00dften Anteil haben in diesem Zusammenhang Kredite und </span></div><div class=\"ps22244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen auf der Aktivseite sowie Einlagen auf der Passivseite. Schuldverschreibungen und verbriefte Verbindlichkeiten sind </span></div><div class=\"ps22245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Positionen, die in Hedge-Accounting-Beziehungen einflie\u00dfen. Als Sicherungsinstrumente dienen haupts\u00e4chlich Zinssatz- </span></div><div class=\"ps22246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Wechselkursvertr\u00e4ge.</span></div><div class=\"ps22250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiterf\u00fchrende Erl\u00e4uterungen zur Risikomanagementstrategie der RBI finden sich im Risikobericht </span><span class=\"f charStyle-9eccfdcb ps22247\">unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22248\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps22249\">. </span></div><div class=\"ps22252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auswirkungen von Sicherungsgesch\u00e4ften auf die Gesamtergebnisrechnung sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22251\">(5) Handelsergebnis, Ergebnis </span></div><div class=\"ps22254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen und Ergebnis aus Hedge Accounting</span><span class=\"f charStyle-9eccfdcb ps22253\">, jene auf die Eigenkapitalver\u00e4nderung sind in der Entwicklung </span></div><div class=\"ps22257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kumulierten sonstigen Ergebnis des Konzern-Eigenkapitals unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22255\">(29) Eigenkapital und nicht beherrschende Anteile</span><span class=\"f charStyle-9eccfdcb ps22256\"> </span></div>enthalten.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-474": {
   "value": "<div class=\"ps22154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit wickelt die RBI Transaktionen mit derivativen Finanzinstrumenten sowohl zu </span></div><div class=\"ps22155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handels- als auch zu Sicherungszwecken ab. Zu den in der RBI eingesetzten Derivaten z\u00e4hlen Swaps, standardisierte </span></div><div class=\"ps22156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Terminkontrakte, Termingesch\u00e4fte, Kreditderivate, Optionen und \u00e4hnliche Kontrakte. RBI setzt Derivate ein, um den </span></div><div class=\"ps22157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bed\u00fcrfnissen der Kund:innen im Rahmen von deren Risikomanagement Rechnung zu tragen, um Risiken zu steuern und </span></div><div class=\"ps22158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzusichern sowie um Ertr\u00e4ge im Eigenhandel zu generieren. Derivate werden zum Zeitpunkt des Vertragsabschlusses zum </span></div><div class=\"ps22159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert angesetzt und anschlie\u00dfend auch zu diesem bewertet. Der aus der Bewertung resultierende Gewinn </span></div><div class=\"ps22160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder Verlust wird im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen erfasst, es sei denn, das Derivat ist als </span></div><div class=\"ps22161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsinstrument im Rahmen des Hedge Accounting designiert und effektiv. Hier h\u00e4ngt der Zeitpunkt der Erfassung der </span></div><div class=\"ps22162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsergebnisse von der Art der Sicherungsbeziehung ab. </span></div><div class=\"ps22163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die zur Absicherung gegen Marktrisiken (ausgenommen Handelsaktiva/-passiva) abgeschlossen und gegen ein </span></div><div class=\"ps22164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inhomogenes Portfolio gestellt werden, erf\u00fcllen nicht die Bedingung f\u00fcr IAS 39 Hedge Accounting. Sie werden bilanziert, indem </span></div><div class=\"ps22165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Dirty Prices unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 Held <span class=\"f ps24\"> </span></span></div><div class=\"ps22166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">For Trading ausgewiesen werden. Die Wert\u00e4nderung dieser Derivate auf Basis des Clean Prices ist im Handelsergebnis und </span></div><div class=\"ps22167 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus Fair-Value-Bewertungen dargestellt, die Zinsen werden im Zins\u00fcberschuss gezeigt.</span></div><div class=\"ps22168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditderivate, deren Wert von dem in der Zukunft erwarteten (Nicht-)Eintritt spezifizierter Kreditereignisse abh\u00e4ngt, sind mit </span></div><div class=\"ps22169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Marktwert unter dem Bilanzposten finanzielle Verm\u00f6genswerte \u2013 Held For Trading bzw. finanzielle Verbindlichkeiten \u2013 </span></div><div class=\"ps22170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Held For Trading ausgewiesen. Die Wert\u00e4nderungen werden im Handelsergebnis und Ergebnis aus Fair-Value-Bewertungen </span></div><div class=\"ps22171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-476": {
   "value": "<div class=\"ps22190 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10962\">199.602<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4169\">3.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17778\">-2.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7791\">141.690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">2.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-2.195<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">4.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19212\">-142<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17793\">48.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-317<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17516\">1.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20215\">-41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">3.139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">18.142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18699\">175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">-85<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17961\">13.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18695\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9359\">5.006<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19541\">217.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4121\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17790\">-2.785<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22185\">215.803<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17396\">3.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22187\">-2.759<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22188\">1.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1172\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11404\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps17237\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22172\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13354\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7247\">195.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18735\">3.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22192\">-2.824<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8084\">141.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20916\">2.170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.199<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22193\">3.966<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22195\">-121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22196\">47.415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5233\">1.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20257\">-30<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17187\">1.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1241\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22198\">12.607<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17181\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10764\">-208<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">7.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-66<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">5.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">-130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15126\">208.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8920\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17496\">-3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12774\">206.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20169\">3.388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22200\">-3.004<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1243\"><div><div class=\"ps31 ss1242\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17393\">1.944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">-28<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Hedge Accounting - Zusatzangaben<span id=\"id3825f2f8297444e8a81c8de9b0016df\"></span></span></div><div class=\"ps22237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig vom abzusichernden Risiko werden Absicherungsbeziehungen entweder als Fair Value Hedge oder als Cash-Flow </span></div><div class=\"ps22238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge dargestellt, Ziel ist dabei die Reduktion von Zinsrisiko und Volatilit\u00e4t in der Erfolgsrechnung. Beide Arten k\u00f6nnen auf </span></div><div class=\"ps22239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mikroebene sowie in Portfolios modelliert werden. Die Absicherung des Nettoinvestitionsrisikos wird insbesondere auf </span></div><div class=\"ps22240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kursschwankungen des rum\u00e4nischen Leus, der tschechischen Krone, des ungarischen Forints und des serbischen Dinars </span></div><div class=\"ps22241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewandt. </span></div><div class=\"ps22242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen von Fair Value Hedges und Cash-Flow Hedges werden unterschiedliche Finanzinstrumente als gesicherte </span></div><div class=\"ps22243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundgesch\u00e4fte in Sicherungsbeziehungen designiert. Den gr\u00f6\u00dften Anteil haben in diesem Zusammenhang Kredite und </span></div><div class=\"ps22244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen auf der Aktivseite sowie Einlagen auf der Passivseite. Schuldverschreibungen und verbriefte Verbindlichkeiten sind </span></div><div class=\"ps22245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Positionen, die in Hedge-Accounting-Beziehungen einflie\u00dfen. Als Sicherungsinstrumente dienen haupts\u00e4chlich Zinssatz- </span></div><div class=\"ps22246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Wechselkursvertr\u00e4ge.</span></div><div class=\"ps22250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiterf\u00fchrende Erl\u00e4uterungen zur Risikomanagementstrategie der RBI finden sich im Risikobericht </span><span class=\"f charStyle-9eccfdcb ps22247\">unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22248\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps22249\">. </span></div><div class=\"ps22252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auswirkungen von Sicherungsgesch\u00e4ften auf die Gesamtergebnisrechnung sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22251\">(5) Handelsergebnis, Ergebnis </span></div><div class=\"ps22254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen und Ergebnis aus Hedge Accounting</span><span class=\"f charStyle-9eccfdcb ps22253\">, jene auf die Eigenkapitalver\u00e4nderung sind in der Entwicklung </span></div><div class=\"ps22257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kumulierten sonstigen Ergebnis des Konzern-Eigenkapitals unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22255\">(29) Eigenkapital und nicht beherrschende Anteile</span><span class=\"f charStyle-9eccfdcb ps22256\"> </span></div><div class=\"ps22258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enthalten. </span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Absicherungsinstrumente<span id=\"i619f66a870534d668984a1a7a37e7816\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgliederung nach Art des Hedge Accounting auf Ebene der Nominalwerte, sowohl gesamt als auch nach dem Zeitpunkt der </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglichen Beendigung sowie auf Ebene der Buchwerte.</span></div><div class=\"ps22331 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17608\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps22270\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps7424 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-1dbd4d87 ps8523\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss811\"><div><div class=\"ps516 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps6739\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22273 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps22274\">1 Jahr bis 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22275 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps1935\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps1476\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps13556\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22276 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17773\">82.271<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4181\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22278 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8325\">7.576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1526\">45.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22279 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps1548\">27.281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22280 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12813\">1.095<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22282 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22281\">923<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22284 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22283\">4.698<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18116\">254<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22286 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps19680\">1.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17953 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps134\">2.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22287 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22288 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11298\">122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22289 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19608\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22290 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17706\">77.573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps11532\">1.467<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22293 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22292\">6.403<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17959 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20501\">43.168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22294 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15149\">26.535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22295 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps10806\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22296 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19400\">853<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2066 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22297 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps19645\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22299 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22298\">450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22300 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8921\">720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17965 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps19498\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22301 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps21047\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22302\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22304 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12630\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22305 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9584\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22307 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21406\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8324\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22308 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18039\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22309 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps18584\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22310 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12387\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22311 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22313 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22314 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22315 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22316 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22317 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22318 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17457\">1.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22319 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17472\">450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10642\">675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21832 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22321 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22322 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22323 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12611\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22325 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22324\">83.642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22326 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps4181\">2.171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22327 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps1514\">8.296<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21836 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10658\">45.817<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9812 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps231\">27.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22328 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps10741\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22330 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22329\">942<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22340 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17608\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps22270\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7424 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-1dbd4d87 ps8523\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss811\"><div><div class=\"ps516 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps6739\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22273 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21815 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps22274\">1 Jahr bis 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22275 ss497\"><div><div class=\"ps1485 ss5\"><span class=\"f charStyle-1dbd4d87 ps1935\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss5\"><span class=\"f charStyle-1dbd4d87 ps10112\">Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps1476\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps13556\">Passiva<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22276 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17596\">71.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7791\">1.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22278 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps21652\">8.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps7133\">38.996<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22279 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10657\">22.692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22280 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps12887\">1.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22282 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps9441\">1.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22284 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22332\">4.890<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22333\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22286 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10478\">892<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17953 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1667\">2.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22287 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17985\">879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22288 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13425\">94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22289 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13098\">177<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22290 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps7987\">66.718<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22334\">1.542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22293 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps5089\">7.302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17959 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22335\">36.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22294 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1562\">21.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22295 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps260\">910<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22296 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12749\">1.124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2066 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22297 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18060\">2.135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22299 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps18683\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22300 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps9394\">878<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17965 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17896\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22301 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps10124\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps22336\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22304 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps8037\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22305 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9359\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22307 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17388\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21829 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17253\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22308 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22337\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22309 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22310 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7363\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22311 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22313 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22314 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22315 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22316 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22317 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-375ad3a6 ps30\">Net Investment Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22318 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22338\">2.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22319 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17799\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22320 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17891\">830<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21832 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22321 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22322 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7363\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22323 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22325 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12629\">73.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22326 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps22339\">2.901<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22327 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12627\">9.072<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21836 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps6454\">39.043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9812 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps483\">22.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22328 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps227\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22330 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps10744\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-477": {
   "value": "<div class=\"ps22203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(21) Finanzielle Verbindlichkeiten - Held For Trading<span id=\"ifa141fd734e04692b3bc7a3f4ebda254\"></span></span></div><div class=\"ps22208 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21500\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17181\">3.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20842\">2.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22204\">2.265<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs- und Goldvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">598<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20882\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22207\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22029\">992<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20874\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20359\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps12533\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18822\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hybride Vertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21460\">6.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18459\">5.279<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20627\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16746\">11.082<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20137\">9.304<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Derivate kam es zu einer Reduktion, welche auf Bewertungseffekte und Wechselkursschwankungen, insbesondere </span></div><div class=\"ps14852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei Zins- und Fremdw\u00e4hrungsderivaten in der Konzernzentrale, zur\u00fcckzuf\u00fchren ist. Im Posten Verbriefte Verbindlichkeiten kam </span></div><div class=\"ps14853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es hingegen zu einem Anstieg in der Konzernzentrale, welcher auf die Erh\u00f6hung der Hybriden Vertr\u00e4ge zur\u00fcckzuf\u00fchren ist. </span></div><div class=\"ps885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betreffend der Bewertungsgrunds\u00e4tze wird auf den Punkt </span><span class=\"f charStyle-9eccfdcb ps22209\">(20) Finanzielle Verm\u00f6genswerte \u2013 Held For Trading</span><span class=\"f charStyle-9eccfdcb ps22210\"> verwiesen</span><span class=\"f charStyle-9eccfdcb ps22211\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-478": {
   "value": "<div class=\"ps22212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(22) Hedge Accounting und Fair-Value Anpassungen aus Portfolio-Fair-<span id=\"i0cffa250e0d743afb78e62fbbb6c551c\"></span></span></div><div class=\"ps22213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value-Hedges</span></div><div class=\"ps22214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS 9 r\u00e4umte in Bezug auf die Bilanzierung von Sicherungsbeziehungen das Wahlrecht ein, weiterhin die Vorschriften des IAS 39 </span></div><div class=\"ps22215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzuwenden, bis das IASB das bestehende Projekt zur Abl\u00f6sung der Portfolio Hedge Accounting - Regelungen in IAS 39 </span></div><div class=\"ps22216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen hat. Die RBI machte Gebrauch von diesem Wahlrecht und wendet daher weiterhin die Vorschriften zur </span></div><div class=\"ps22217 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzierung von Sicherungsbeziehungen gem\u00e4\u00df IAS 39 in der von der EU \u00fcbernommenen Version (\u201cEU-Carve-Out\u201d) an, jedoch </span></div><div class=\"ps22218 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter Ber\u00fccksichtigung der \u00c4nderungen in den Anhangangaben nach IFRS 7. </span></div><div class=\"ps22219 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden einzelne Sicherungsinstrumente, im Wesentlichen Derivate, zum Zweck des Risikomanagements gehalten und erf\u00fcllen </span></div><div class=\"ps22220 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Gesch\u00e4fte spezifische Kriterien, werden sie von der RBI ins Hedge Accounting designiert. Dies kann im Rahmen der </span></div><div class=\"ps22221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung des beizulegenden Zeitwerts (Fair Value Hedge), von Zahlungsstr\u00f6men (Cash-Flow Hedge) oder von </span></div><div class=\"ps22222 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoinvestitionen in wirtschaftlich selbst\u00e4ndige Teileinheiten (Net Investment Hedge) geschehen. Zu Beginn der </span></div><div class=\"ps22223 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehung wird der Zusammenhang zwischen Grund- und Sicherungsgesch\u00e4ft einschlie\u00dflich der zugrunde liegenden </span></div><div class=\"ps22224 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Ziele dokumentiert. Weiters wird sowohl bei Eingehen der Sicherungsbeziehung als auch in deren Verlauf </span></div><div class=\"ps22225 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig festgestellt, ob das in der Sicherungsbeziehung designierte Sicherungsinstrument hinsichtlich der Kompensation </span></div><div class=\"ps22226 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der \u00c4nderungen des beizulegenden Zeitwerts bzw. der Cash-Flows des Grundgesch\u00e4fts in hohem Ma\u00df effektiv ist.</span></div><div class=\"ps22236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Hedge Accounting - Zusatzangaben<span id=\"id3825f2f8297444e8a81c8de9b0016df\"></span></span></div><div class=\"ps22237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abh\u00e4ngig vom abzusichernden Risiko werden Absicherungsbeziehungen entweder als Fair Value Hedge oder als Cash-Flow </span></div><div class=\"ps22238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedge dargestellt, Ziel ist dabei die Reduktion von Zinsrisiko und Volatilit\u00e4t in der Erfolgsrechnung. Beide Arten k\u00f6nnen auf </span></div><div class=\"ps22239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mikroebene sowie in Portfolios modelliert werden. Die Absicherung des Nettoinvestitionsrisikos wird insbesondere auf </span></div><div class=\"ps22240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kursschwankungen des rum\u00e4nischen Leus, der tschechischen Krone, des ungarischen Forints und des serbischen Dinars </span></div><div class=\"ps22241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewandt. </span></div><div class=\"ps22242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen von Fair Value Hedges und Cash-Flow Hedges werden unterschiedliche Finanzinstrumente als gesicherte </span></div><div class=\"ps22243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundgesch\u00e4fte in Sicherungsbeziehungen designiert. Den gr\u00f6\u00dften Anteil haben in diesem Zusammenhang Kredite und </span></div><div class=\"ps22244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen auf der Aktivseite sowie Einlagen auf der Passivseite. Schuldverschreibungen und verbriefte Verbindlichkeiten sind </span></div><div class=\"ps22245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Positionen, die in Hedge-Accounting-Beziehungen einflie\u00dfen. Als Sicherungsinstrumente dienen haupts\u00e4chlich Zinssatz- </span></div><div class=\"ps22246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Wechselkursvertr\u00e4ge.</span></div><div class=\"ps22250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiterf\u00fchrende Erl\u00e4uterungen zur Risikomanagementstrategie der RBI finden sich im Risikobericht </span><span class=\"f charStyle-9eccfdcb ps22247\">unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22248\">(42) Marktrisiko</span><span class=\"f charStyle-9eccfdcb ps22249\">. </span></div><div class=\"ps22252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auswirkungen von Sicherungsgesch\u00e4ften auf die Gesamtergebnisrechnung sind unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22251\">(5) Handelsergebnis, Ergebnis </span></div><div class=\"ps22254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Fair-Value-Bewertungen und Ergebnis aus Hedge Accounting</span><span class=\"f charStyle-9eccfdcb ps22253\">, jene auf die Eigenkapitalver\u00e4nderung sind in der Entwicklung </span></div><div class=\"ps22257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kumulierten sonstigen Ergebnis des Konzern-Eigenkapitals unter Punkt </span><span class=\"f charStyle-9eccfdcb ps22255\">(29) Eigenkapital und nicht beherrschende Anteile</span><span class=\"f charStyle-9eccfdcb ps22256\"> </span></div>enthalten.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-479": {
   "value": "<div class=\"ps22465 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gem\u00e4\u00df IFRS 13 verwendet die RBI die nachfolgende Fair-Value-Hierarchie zur Feststellung und Offenlegung des Fair Values f\u00fcr </span></span></div><div class=\"ps22466 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente. Die Zuordnung bestimmter Finanzinstrumente zu den Level-Kategorien erfordert eine regelm\u00e4\u00dfige </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beurteilung, insbesondere wenn die Bewertung sowohl auf beobachtbaren als auch auf nicht auf dem Markt beobachtbaren </span></span></div><div class=\"ps22468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Parametern beruht. Auch unter Ber\u00fccksichtigung von \u00c4nderungen der Marktliquidit\u00e4t und damit der Preistransparenz kann sich </span></span></div><div class=\"ps22469 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">die Klassifizierung eines Instruments im Zeitablauf \u00e4ndern. </span></span></div><div class=\"ps22470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Notierte Preise in einem aktiven Markt (Level I)</span><span id=\"i5c4658f52a7c483d88b4ffc74f6e8127\"></span></span></div><div class=\"ps22471 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente, f\u00fcr die die Fair-Value-Bewertung anhand von quotierten Marktpreisen erfolgt, werden dem Level I der Fair-</span></span></div><div class=\"ps22472 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Value-Hierarchie zugeordnet. Dies gilt insbesondere f\u00fcr an B\u00f6rsen gehandelte Eigenkapitalinstrumente, im Interbankenmarkt </span></span></div><div class=\"ps22473 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gehandelte Fremdkapitalinstrumente und b\u00f6rsengehandelte Derivate. Die Bewertung beruht im Wesentlichen auf externen </span></span></div><div class=\"ps22474 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Datenquellen (B\u00f6rsenpreise bzw. Broker-Quotierungen in liquiden Marktsegmenten). Bei einem aktiven Markt handelt es sich um </span></span></div><div class=\"ps22475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einen Markt, in dem Transaktionen von Verm\u00f6genswerten und Schulden mit ausreichender H\u00e4ufigkeit und ausreichendem </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22476 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Volumen stattfinden, sodass Preisinformationen laufend zur Verf\u00fcgung stehen. Indikatoren f\u00fcr aktive M\u00e4rkte k\u00f6nnen die </span></span></div><div class=\"ps22477 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anzahl, die H\u00e4ufigkeit der Aktualisierung oder die Qualit\u00e4t der Quotierungen (z. B. Banken oder B\u00f6rsen) sein. Weiters sind auch </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22478 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">enge Bid-/Ask-Spannen sowie Quotierungen der Marktteilnehmer:innen innerhalb eines bestimmten Korridors Anzeichen f\u00fcr </span></span></div><div class=\"ps22479 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einen aktiven liquiden Markt. Finanzinstrumente, f\u00fcr die die Fair-Value-Bewertung anhand von quotierten Marktpreisen erfolgt, </span></span></div><div class=\"ps22480 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sind haupts\u00e4chlich b\u00f6rsennotierte Wertpapiere und ein geringer Anteil an Derivaten sowie liquide Anleihen, die auf OTC-</span></span></div><div class=\"ps22481 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">M\u00e4rkten (Over The Counter) gehandelt werden. </span></span></div><div class=\"ps22482 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels beobachtbarer Parameter (Level II)</span><span id=\"ifa22b739be9b4106a838fac44a8af16f\"></span></span></div><div class=\"ps22483 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den F\u00e4llen, in denen keine B\u00f6rsennotierungen auf einem aktiven Markt vorliegen, wird das Finanzinstrument dann als Level II </span></span></div><div class=\"ps22484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">klassifiziert, wenn der Fair Value durch anerkannte Bewertungsmodelle mithilfe von beobachtbaren Preisen oder Parametern </span></span></div><div class=\"ps22485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(insbesondere von Barwertmethoden oder Optionspreismodellen) ermittelt werden kann. Diese beobachtbaren Marktdaten </span></span></div><div class=\"ps22486 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sind im Wesentlichen Zinskurven, Credit Spreads und Volatilit\u00e4ten. RBI verwendet grunds\u00e4tzlich Bewertungsmodelle, die einer </span></span></div><div class=\"ps22487 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">internen Pr\u00fcfung durch das Marktrisiko-Komitee unterliegen, um angemessene Bewertungsparameter sicherzustellen. Das </span></span></div><div class=\"ps22488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels beobachtbarer Parameter betrifft die Mehrheit der OTC-Derivate und der nicht b\u00f6rsennotierten </span></span></div><div class=\"ps15562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Fremdkapitalinstrumente. </span></span></div><div class=\"ps22489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Bewertungsverfahren mittels nicht beobachtbarer Parameter (Level III)</span><span id=\"i40f0d2ff758a46d3a4fd2841f7dbd558\"></span></span></div><div class=\"ps22490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kann die Fair-Value-Bewertung weder anhand von ausreichend regelm\u00e4\u00dfig gestellten Marktpreisen (Level I) noch anhand von </span></span></div><div class=\"ps22491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bewertungsmodellen, die vollst\u00e4ndig auf beobachtbaren Marktpreisen beruhen (Level II), erfolgen, werden einzelne nicht auf </span></span></div><div class=\"ps22492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dem Markt beobachtbare Input-Parameter anhand von angemessenen Annahmen gesch\u00e4tzt. Haben nicht auf dem Markt </span></span></div><div class=\"ps22493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">beobachtbare Parameter einen signifikanten Einfluss auf die Bewertung des zugrunde liegenden Finanzinstruments, wird es </span></span></div><div class=\"ps22494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dem Level III der Fair-Value-Hierarchie zugeordnet. Diese nicht regelm\u00e4\u00dfig beobachtbaren Bewertungsparameter sind unter </span></span></div><div class=\"ps22495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anderem Credit Spreads, die aus internen Sch\u00e4tzungen abgeleitet werden. </span></span></div><div class=\"ps22496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Diese Eingangsparameter k\u00f6nnen Daten enthalten, die in Form von N\u00e4herungswerten unter anderem aus historischen Daten </span></span></div><div class=\"ps22497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ermittelt werden (Bewertungshierarchie Level III). Die Anwendung dieser Modelle erfordert Annahmen und Einsch\u00e4tzungen des </span></span></div><div class=\"ps22498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Managements, deren Umfang von der Preistransparenz in Bezug auf das Finanzinstrument und dessen Markt sowie von der </span></span></div><div class=\"ps22499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplexit\u00e4t des Instruments abh\u00e4ngt. </span></span></div><div class=\"ps22500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Finanzinstrumente, die zu fortgef\u00fchrten Anschaffungskosten bewertet werden (dies umfasst Forderungen aus dem </span></span></div><div class=\"ps22501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditgesch\u00e4ft, Einlagen, sonstige kurzfristige Geldaufnahmen und langfristige Verbindlichkeiten), gibt der Konzern den </span></span></div><div class=\"ps22502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">beizulegenden Zeitwert an. Grunds\u00e4tzlich besteht bei diesen Instrumenten eine geringe oder keine Handelsaktivit\u00e4t, weshalb </span></span></div><div class=\"ps22503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">bei der Bestimmung des beizulegenden Zeitwerts signifikante Einsch\u00e4tzungen durch das Management erforderlich sind.</span></span></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Fair Value von Finanzinstrumenten, die zum Fair Value bilanziert werden</span><span id=\"if7c353b146774ff2a0c6006256569bc9\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Das Kreditportfolio wird in die zentrale Berechnung des beizulegenden Zeitwerts einbezogen. Die Berechnung des Fair Values </span></span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfolgt monatlich und basiert auf der Discounted-Cash-Flow-Methode. Die erwarteten Zahlungsstr\u00f6me werden mit einem </span></span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angemessenen Abzinsungssatz (d. h. risikofreier Zinssatz plus Zuschlag) abgezinst. Die Methodik zur Berechnung des </span></span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Abzinsungssatzes unterscheidet sich je nach Segment (d. h. Retail und Non-Retail). </span></span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dar\u00fcber hinaus wird auch der beizulegende Zeitwert der eingebetteten Optionen f\u00fcr das Kreditportfolio berechnet, und die </span></span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angewandte Methodik basiert auf dem Kundensegment (d. h. Retail und Non-Retail). Die Bewertung der eingebetteten </span></span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Optionen im Retail-Bereich basiert auf der Verhaltensmodellierung (z. B. lineare Regression/gleitender Zw\u00f6lf-Monats-</span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Durchschnitt der Vorauszahlungsraten). Die Bewertung eingebetteter Optionen in Krediten im Non-Retail-Bereich basiert auf </span></span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Annahme eines vollst\u00e4ndigen rationalen Verhaltens der Kund:innen. Die in Non-Retail-Krediten enthaltenen eingebetteten </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Optionen wie Vorauszahlung, Auszahlung oder Auff\u00fcllung werden mit Swaptions repliziert und mit dem Trinomial Tree Hull-</span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">White-Strukturmodell bewertet. F\u00fcr die Bewertung der Zinsoptionen (Caps und Floors) wird grunds\u00e4tzlich das Modell von Black </span></span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">angewendet, dem lognormal verteilte Renditen zugrunde liegen. Da wir uns in einem volatilen Zinsumfeld befinden, wird das </span></span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">shifted lognormale Black-Modell f\u00fcr die Bewertung der Zinsoptionen angewendet, dem ein Displaced-Diffusion-Modell </span></span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zugrunde liegt (lognormale Verteilung mit einer Zinsverschiebung). </span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Anleihen werden in erster Linie handelbare Marktpreise herangezogen. Sind keine Quotierungen vorhanden, werden die </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Wertpapiere mittels Discounted-Cash-Flow-Modell bewertet. Hier flie\u00dfen als Bewertungsparameter die Zinskurve sowie ein </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ad\u00e4quater Credit Spread ein. Die Ermittlung des Credit Spreads erfolgt \u00fcber auf dem Markt vorhandene, vergleichbare </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumente. F\u00fcr einen geringen Teil des Portfolios wurden Credit Default Spreads f\u00fcr die Bewertung verwendet. Weiters </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden auch externe Bewertungen von Dritten ber\u00fccksichtigt, die in allen F\u00e4llen indikativen Charakter aufweisen. Die Level-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Einteilung der Posten wird am Ende der Berichtsperiode durchgef\u00fchrt.</span></span></div><div class=\"ps22508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der RBI kommen f\u00fcr die Bewertung von OTC-Derivaten markt\u00fcbliche, bekannte Bewertungsmethoden zur Anwendung. </span></span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beispielsweise werden Interest Rate Swaps, Cross Currency Swaps oder Forward Rate Agreements \u00fcber das f\u00fcr diese Produkte </span></span></div><div class=\"ps22510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">markt\u00fcbliche Discounted-Cash-Flow-Modell bewertet. OTC-Optionen, z. B. Foreign Exchange Options oder Caps und Floors, </span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">liegen Bewertungsmodelle zugrunde, die dem Marktstandard entsprechen. F\u00fcr die angef\u00fchrten Produktbeispiele w\u00e4ren dies </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das Garman-Kohlhagen-Modell sowie Black-Scholes 1972 und Black 1976. F\u00fcr komplexe Optionen erfolgt die Bewertung mithilfe </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">von Monte-Carlo-Simulationen. </span></span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zur Ermittlung des Fair Values ist weiters eine Anpassung der Kreditbewertungen f\u00fcr das Kontrahentenausfallrisiko (Credit </span></span></div><div class=\"ps22515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Value Adjustment, CVA) und das eigene Kreditrisiko (Debit Value Adjustment, DVA) notwendig, um das mit OTC-</span></span></div><div class=\"ps22516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Derivattransaktionen verbundene Kreditrisiko der Gegenparteien (Kontrahentenausfallrisiko) insbesondere f\u00fcr jene </span></span></div><div class=\"ps22517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Vertragspartner zu ber\u00fccksichtigen, mit denen nicht bereits eine Absicherung \u00fcber Credit Support Annex erfolgt ist. Der </span></span></div><div class=\"ps22518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ermittelte Betrag stellt jeweils den gesch\u00e4tzten Marktwert der Sicherungsma\u00dfnahmen dar, die zur Absicherung gegen das </span><span class=\"f ps24\"> </span></span></div><div class=\"ps22519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisiko der Gegenparteien aus den OTC-Derivatportfolios des Konzerns erforderlich sind. </span></span></div><div class=\"ps22520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die CVA-Bewertungsanpassung besteht einerseits aus der Ermittlung des in der Zukunft zu erwartenden positiven </span></span></div><div class=\"ps22521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikobetrags (Expected Positive Exposure) und andererseits aus der Ausfallwahrscheinlichkeit des Kontrahenten. Um den zu </span></span></div><div class=\"ps22522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwartenden positiven Risikobetrag zu ermitteln, wird unter Ber\u00fccksichtigung aller verf\u00fcgbaren Risikofaktoren (z. B. W\u00e4hrungs- </span></span></div><div class=\"ps22523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und Zinskurven) eine gro\u00dfe Anzahl von Szenarien f\u00fcr zuk\u00fcnftige Zeitpunkte simuliert. Die OTC-Derivate werden unter </span></span></div><div class=\"ps22524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ber\u00fccksichtigung dieser Szenarien an den jeweiligen zuk\u00fcnftigen Zeitpunkten zu Marktwerten bewertet und auf </span></span></div><div class=\"ps22525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kontrahentenebene aggregiert, um abschlie\u00dfend f\u00fcr alle Zeitpunkte den positiven Risikobetrag zu bestimmen. Kontrahenten </span></span></div><div class=\"ps22526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit CSA-Vertr\u00e4gen (Credit Support Annex, CSA) werden in der Berechnung ber\u00fccksichtigt. Bei diesen errechnen sich die </span></span></div><div class=\"ps22527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Risikobetr\u00e4ge nicht direkt aus den simulierten Marktwerten, sondern aus einer zuk\u00fcnftig erwarteten \u00c4nderung der </span></span></div><div class=\"ps22528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Marktwerte \u00fcber einer Margin Period of Risk von zehn Tagen. Zur Ermittlung der Ausfallwahrscheinlichkeit leitet der Konzern, </span></span></div><div class=\"ps22529 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sofern direkte CDS-Quotierungen (Credit Default Swap, CDS) zur Verf\u00fcgung stehen, f\u00fcr den jeweiligen Kontrahenten die </span></span></div><div class=\"ps22530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">marktbasierte Ausfallwahrscheinlichkeit und implizit die Verlustquote (Loss Given Default, LGD) ab. Die </span></span></div><div class=\"ps22531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeit von nicht aktiv auf dem Markt gehandelten Kontrahenten wird durch Zuordnung des internen Ratings </span></span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">eines Kontrahenten an eine sektor- und ratingspezifische CDS-Kurve bestimmt. </span></span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die DVA-Bewertungsanpassung wird durch den erwarteten negativen Risikobetrag (Expected Negative Exposure) und durch die </span></span></div><div class=\"ps5128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditqualit\u00e4t der RBI bestimmt und stellt die Wertanpassung in Bezug auf die eigene Ausfallwahrscheinlichkeit dar. Die </span></span></div><div class=\"ps5129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Berechnung erfolgt von der Methodik her analog zum CVA. F\u00fcr die Bewertung von OTC-Derivaten wurde kein Funding Value </span></span></div><div class=\"ps22532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment (FVA) ber\u00fccksichtigt. Die RBI beobachtet die Entwicklungen auf dem Markt und wird gegebenenfalls eine Methode </span></span></div><div class=\"ps22533 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">f\u00fcr die Ermittlung des FVA entwickeln.</span></span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-480": {
   "value": "<div class=\"ps22718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(24) Anteile an Tochterunternehmen und assoziierten Unternehmen<span id=\"id1d39b21780d44f79e934320e64c77f4\"></span></span></div><div class=\"ps22722 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20674\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22719\">206<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an at-equity bewerteten Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20423\">721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22720\">665<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9362\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20786\">871<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Anzahl der nicht einbezogenen Tochterunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22721\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20737\">262<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2303 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteile an at-equity bewerteten Unternehmen:</span></div><div class=\"ps22736 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:258pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10632 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps11049\">Anteil in %<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16652\">Buchwert 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21395\">Buchwert 2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">card complete Service Bank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22723 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13308\"></span><span class=\"ps13308\">25,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22724\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13623\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">EMCOM Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22725 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17912\"></span><span class=\"ps17912\">33,6 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22727 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22726\"></span><span class=\"ps22726\">33,1 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19286\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Notartreuhandbank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22728 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12635\"></span><span class=\"ps12635\">26,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22729 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19532\"></span><span class=\"ps19532\">8,1 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19284\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20556\">64<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Hotel- und Tourismusbank Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22730 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22726\"></span><span class=\"ps22726\">31,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Posojilnica Bank eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22731 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps111\"></span><span class=\"ps111\">49,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Prva stavebna sporitelna a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22732 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps438\"></span><span class=\"ps438\">32,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Informatik GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22733 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps128\"></span><span class=\"ps128\">47,6 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20388\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22734 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps453\"></span><span class=\"ps453\">50,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22735 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17196\"></span><span class=\"ps17196\">10,9 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20898\">309<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1293\"><div><div class=\"ps31 ss1292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20345\">721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22110\">665<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der at-equity bewerteten Unternehmen erh\u00f6hte sich von \u20ac 665 Millionen auf \u20ac 721 Millionen. Die Wertsteigerung <span class=\"f ps24\"> </span></span></div><div class=\"ps22738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist \u00fcberwiegend auf die UNIQA Insurance Group AG zur\u00fcckzuf\u00fchren.</span></div><div class=\"ps22739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der aktuellen Berichtsperiode wurde der Verkauf der card complete Service Bank AG abgeschlossen. Der Buchwertr\u00fcckgang </span></div><div class=\"ps22740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei der Leipnik-Lundenburger Invest Beteiligungs AG ist auf negative wirtschaftliche Entwicklungen der at-equity bewerteten </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen in der Leipnik-Lundenburger Invest Beteiligungs AG zur\u00fcckzuf\u00fchren. Die Buchwerterh\u00f6hungen der UNIQA </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insurance Group AG, Posojilnica Bank eGen und Prva stavebna sporitelna a.s. waren im Wesentlichen auf den Ergebnisbeitrag </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Berichtsjahr 2025 zur\u00fcckzuf\u00fchren.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der UNIQA Insurance Group AG besteht der ma\u00dfgebliche Einfluss aufgrund eines Syndikatsvertrags mit den anderen </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernaktion\u00e4ren, welcher insbesondere die Entsendungsrechte in den Aufsichtsrat regelt. Bei der Oesterreichischen Kontrollbank </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktiengesellschaft besteht der ma\u00dfgebliche Einfluss aufgrund zweier fixer Mandate im Aufsichtsrat.Finanzinformationen zu </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den at-equity bewerteten Unternehmen per 30. September 2025:</span></div><div class=\"ps22885 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:224.25pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1295\"><div><div class=\"ps5730 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22741 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-1dbd4d87 ps17600\">EMCOM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22743 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps8527\">LLI</span><span class=\"f charStyle-cdbbedb5 ps22742\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps9375\">NTB</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps22744\">OeKB</span><span class=\"f charStyle-cdbbedb5 ps22742\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22746 ss1296\"><div><div class=\"ps5730 ss812\"><span class=\"f charStyle-3e64e966 ps6397\">OEHT</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2997 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22747 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22748 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9382\">1.210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22750 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22749\">2.153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1097\">35.693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22752 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22749\">1.235<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2998 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22753 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22754 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19548\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22755 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22756 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16894\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22757 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17617\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3001 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22758 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22759 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6365\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22760 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22761 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19735\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22762 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22763 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus aufgegebenen Gesch\u00e4ftsbereichen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22764 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22765 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22766 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22767 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22768 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19204 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22769 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22770 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15656\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22772 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22773 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5996 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22774 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22775 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps449\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22776 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22336\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22777 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10805\">66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22779 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22778\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19216 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22780 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22781 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22782 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22783 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22784 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5473 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22785 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22786 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps78\">-68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22787 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19599\">65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22789 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5534 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22790 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22791 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8518\">378<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22792 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12463\">454<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22793 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1089\">6.553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22794 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6043 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22795 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22796 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10119\">832<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22797 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps20128\">1.699<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22798 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13257\">29.140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22799 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9955\">1.215<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4554 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22800 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22802 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22801\">-391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22803 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11547\">-1.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22805 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22804\">-9.392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22806 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15489 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22807 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22808 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1591\">-313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22809 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10116\">-232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22810 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8409\">-25.355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22811 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9070\">-1.179<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4601 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22812 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13098\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22813 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1612\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22814 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10787\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22815 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps477\">946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22817 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22816\">57<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5482 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22818 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22819 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps14998\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22820 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22821 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22822 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15520 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22823 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22824 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps187\">499<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22825 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22826 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9810\">928<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22827 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19548\">57<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5908 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22829 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22828\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22830 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps216\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22831 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19683\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22832 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps436\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22833 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19683\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11888 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteils\u00e4nderung/Erstmalige Einbeziehung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22834 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22835 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22836 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22837 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22838 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6108 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Der Gruppe zurechenbares Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22839 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22840 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10801\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22841 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22842 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22843 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16760 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22844 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22845 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22846 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22847 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22848 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13656 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22849 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22850 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22851 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22852 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22853 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22854 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Erhaltene Dividenden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22855 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22856 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16894\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22857 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22858 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22859 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6140 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteil an der Kapitalerh\u00f6hung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22860 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22861 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22862 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22863 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22864 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22865 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 30.9.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22866 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22828\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22868 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22867\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22869 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps409\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22870 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22816\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22871 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps409\">18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14007 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22872 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22873 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10801\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22874 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22875 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16894\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22876 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14009 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22877 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22828\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22878 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9389\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22879 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps409\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22880 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19633\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22881 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps6175 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Konzernabschluss: Ergebnis und Eigenkapital verstehen sich exkl. nicht beherrschender Anteile.<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"6\" style=\"padding:0\"><div class=\"ps6188 ss1298\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">EMCOM: EMCOM Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">LLI: Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss7\"><span class=\"f charStyle-2babd150 ps30\">NTB: Notartreuhandbank AG, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss7\"><span class=\"f charStyle-2babd150 ps30\">OeKB: Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss7\"><span class=\"f charStyle-2babd150 ps30\">OEHT: \u00d6sterreichische Hotel- und Tourismusbank Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:224.25pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22741 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11360\">POSO<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22743 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9379\">PSS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps277\">RIZ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-ca7bbde0 ps22887\">R-Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22746 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-66d2abc1 ps13518\">UNIQA</span><span class=\"f charStyle-f730e5cc ps22742\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22888 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22889 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8628\">2.921<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps364\">341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22890 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19599\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22891 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18109\">28.763<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22892 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22893 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12474\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22894 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22895 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12818\">484<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus fortgef\u00fchrten Gesch\u00e4ftsbereichen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22897 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22896\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22898 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22899 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22900 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8538\">333<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern aus aufgegebenen Gesch\u00e4ftsbereichen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22901 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22902 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22903 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22904 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22905 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22906 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22907 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22909 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22908\">163<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22910 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6030\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22911 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22912 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps21353\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22913 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps477\">496<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22914 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22915 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22916 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22917 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22918 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17617\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22919 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22920 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22922 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22921\">498<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22923 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13156\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22924 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22908\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6065\">184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22925 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps16898\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22926 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13440\">1.403<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22927 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8556\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22928 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9587\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22929\">157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22930 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22931 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10108\">27.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22933 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22932\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22934 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12730\">-654<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21235\">-155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22935 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9799\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22936 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11559\">-1.194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22937 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13217\">-48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22938 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21251\">-1.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps78\">-98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22939 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22940 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6367\">-24.238<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22941 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19633\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22942 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1658\">332<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps379\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22943 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6030\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22944 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11942\">3.331<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht beherrschenden Anteilen zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22945 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22946 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22947 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22948 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10790\">114<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Den Aktion\u00e4ren des Beteiligungsunternehmens zurechenbar<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22949 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17770\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22950 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12605\">332<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22324\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22951 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22896\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22952 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps5911\">3.217<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22954 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22953\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22955 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9389\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps874 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13098\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22956 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19683\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22957 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10658\">309<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteils\u00e4nderung/Erstmalige Einbeziehung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22958 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22959 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20361 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22960 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22961 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Der Gruppe zurechenbares Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22962 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22963 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20365 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22964 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22965 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7173\">62<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon Erfolgsrechnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22966 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22967 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17136\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20569 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22968 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22970 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22969\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps6020\">davon sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22971 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22972 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20876 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22973 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22974 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12583\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps276 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Erhaltene Dividenden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22975 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22976 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20878 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22977 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22978 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps288 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteil an der Kapitalerh\u00f6hung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22979 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22980 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20880 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22981 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Konzernanteil am Nettoverm\u00f6gen des Beteiligungsunternehmens Stand 30.9.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22983 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps136\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22984 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps216\">108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13098\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22985 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22986 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">352<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-375ad3a6 ps30\">Bewertung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22987 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17204\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22988 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11549\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20885 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6724\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22989 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19628\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22990 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps319 ss1297\"><div><div class=\"ps31 ss1294\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22991 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12476\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22992 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps62\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20887 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22541\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22993 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps22336\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22994 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">352<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps325 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Konzernabschluss: Ergebnis und Eigenkapital verstehen sich exkl. nicht beherrschender Anteile.<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"6\" style=\"padding:0\"><div class=\"ps13001 ss1298\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">POSO: Posojilnica Bank eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">PSS: Prva stavebna sporitelna a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss7\"><span class=\"f charStyle-2babd150 ps30\">RIZ: Raiffeisen Informatik GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss7\"><span class=\"f charStyle-2babd150 ps30\">R-Leasing: Raiffeisen-Leasing Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss7\"><span class=\"f charStyle-2babd150 ps30\">UNIQA: UNIQA Insurance Group AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest f\u00fcr at-equity bewertete Unternehmen<span id=\"id015c211482443d29a0861a6a905e596\"></span></span></div><div class=\"ps22995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer Beteiligung h\u00f6her ist als ihr </span></div><div class=\"ps22996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die jedenfalls als Anzeichen f\u00fcr eine </span></div><div class=\"ps22997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein k\u00f6nnte, </span></div><div class=\"ps22998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. F\u00fcr den Werthaltigkeitstest wurden f\u00fcr die wesentlichen Einheiten </span></div><div class=\"ps15428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Annahmen getroffen.</span></div><div class=\"ps23008 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:171.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12527 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps22999\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7423 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps23000\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittelgenerierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23002 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23001\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23004 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23003\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6392\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12435 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps1492\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23006\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6319\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Diskontierungszinss\u00e4tze (nach Steuern)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12532 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22598 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20494\"></span><span class=\"ps20494\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19576\"></span><span class=\"ps19576\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12440 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12441 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20524\"></span><span class=\"ps20524\">8,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12442 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20537\"></span><span class=\"ps20537\">9,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Planungshorizont<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12540 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1907\"> 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22602 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12444 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12446 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12447 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1301\"><div><div class=\"ps16905 ss7\"><span class=\"f charStyle-2babd150 ps30\">LLI: Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT) - Durchschnittlicher Diskontierungszinssatz WACC<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss7\"><span class=\"f charStyle-2babd150 ps30\">OeKB: Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss7\"><span class=\"f charStyle-2babd150 ps30\">UNIQA: UNIQA Insurance Group AG, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Ergebnis wurde basierend auf den aktuellen Werthaltigkeitstests f\u00fcr den \u00fcberwiegenden Teil des Beteiligungsportfolios eine </span></div><div class=\"ps23010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertaufholung verzeichnet. Hierbei wirkte sich der fortschreitende Austausch niedrig verzinster Aktiva g\u00fcnstig auf die </span></div><div class=\"ps23011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragslage der Bankenbeteiligungen aus. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenfassung der wesentlichen Planungsannahmen und Beschreibung des Managementansatz zur Ermittlung der Werte:</span></div><div class=\"ps7104 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss509\"><div><div class=\"ps1485 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">generierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4802 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Kuze Beschreibung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4803 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche Annahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1824 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Managementansatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Leipnik-Lundenburger Invest <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungs AG (LLI)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4804 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">In den beiden Kernbereichen </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Vermahlung von Getreide und Verkauf </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(hei\u00dfe und kalte) Getr\u00e4nke und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Lebensmittel aus Automaten sind die </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">LLI-Unternehmen Marktf\u00fchrer in </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich sowie in einigen EU-L\u00e4ndern </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(Osteuropa und Deutschland).</span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Zus\u00e4tzlich zu den beiden Kernbereichen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erweisen sich die at-equity gehaltenen <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Beteiligungen als wesentliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertkomponenten.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4805 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planungsannahmen, welche vom </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Aufsichtsrat genehmigt wurden, </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">reflektieren die erwarteten </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rohstoffpreis- und <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostenentwicklungen, die sich auch in <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Absatzpreisen widerspiegeln.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4806 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planung beinhaltet Ma\u00dfnahmen zur </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Begegnung der aktuellen und </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erwarteten Marktentwicklungen. Diese </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">beinhalten neben Kosteneinsparungen </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und einer geeigneten Preisstrategie </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">weitere Spezialisierungen, die </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Optimierung mittels Digitalisierung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Entwicklung neuer Produkte.</span></div></div></div></td></tr><tr style=\"height:147pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiengesellschaft (OeKB)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23016 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die OeKB erf\u00fcllt zwei wesentliche </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Funktionen f\u00fcr die \u00f6sterreichische </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Exportindustrie und f\u00fcr den </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalmarkt. Als Export Credit Agency </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der Republik \u00d6sterreich stellt sie <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">staatlich garantierte Haftungen bereit </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und refinanziert exportbezogene </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Investitionen und Auslandsgesch\u00e4fte </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcber das Exportfinanzierungsverfahren. <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Dar\u00fcber hinaus unterst\u00fctzt die OeKB </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Kapitalmarkt durch spezialisierte </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertpapierdienstleitungen, die </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Abwicklung von Bundesanleihen-</span></div><div class=\"ps5465 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Auktionen sowie \u00fcber ihre <span class=\"f ps24\"> </span></span></div><div class=\"ps5466 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Tochtergesellschaften im Bereich </span></div><div class=\"ps15203 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Verwahrung und Clearing. Die </span></div><div class=\"ps23012 ss508\"><span class=\"f charStyle-6d404c82 ps30\">wesentlichen Beteiligungen sind die </span></div><div class=\"ps23013 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreichische Hotel- und Tourismus-</span></div><div class=\"ps23014 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bank (\u00d6HT) sowie die Oesterreichische </span></div><div class=\"ps23015 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entwicklungsbank (OeEB).</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23017 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Die Planungsannahmen ber\u00fccksichtigen <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">die Entwicklung des Volumens im </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Exportfinanzierungsverfahren und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">wurden im Bewertungsansatz </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">\u00fcbernommen. Sie zeigen \u00fcber die </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Folgejahre eine stabile Entwicklung des <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvolumens.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23018 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz reflektiert die </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aktuellen externen Rahmenbeding-</span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ungen. Das Zinsniveau sowie </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Nachholeffekte bei zuvor </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aufgeschobenen Investitionen aufgrund <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">des inflation\u00e4ren Umfelds der <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">vergangenen Jahre wurden in den </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Planungsannahmen ber\u00fccksichtigt. Die </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bestehenden Mandate der Republik </span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich bilden eine stabile Basis f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Gesch\u00e4ftst\u00e4tigkeit der OeKB, welche </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">durch die weiteren Services erg\u00e4nzt </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">werden.</span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6551 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG (UNIQA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23019 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die UNIQA Insurance Gruppe AG ist einer </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der f\u00fchrenden Versicherungskonzerne in <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ihren Kernm\u00e4rkten \u00d6sterreich und CEE. </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Sie ist in 14 L\u00e4ndern vor Ort und </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">serviciert mehr als 17 Millionen Kunden. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Marken UNIQA und Raiffeisen </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherung sind zwei starke </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherungsmarken in \u00d6sterreich und </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sind in den CEE-M\u00e4rkten gut <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">positioniert.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23020 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">UNIQA plant eine Weiterverfolgung der </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">gesetzten langfristigen </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rentabili\u00e4tsziele, trotz des steigenden </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostendrucks, durch die Setzung </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechender gegensteuernder </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Ma\u00dfnahmen. Zusammenfassend wird </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">trotz des volatilen Umfelds die </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der langfristigen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechend eine stabile langfristige </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Renditeentwicklung angenommen. </span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23021 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz wurde im </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wesentlichen als Bewertungsansatz </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcbernommen. Grundlage bildet die </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der gesetzten </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entsprechend wird die Sicherstellung <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">einer soliden Eigenkapitalverzinsung </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sowie der starken Solvenzsituation </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">zugrunde gelegt. Dies bildet die Basis <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">eines nachhaltigen Dividendenwachs-</span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">tums und stabiler Dividendenrendite. </span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ic2225d95a1cc40a29ec0cca3679f9794\"></span></span></div><div class=\"ps23024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um zu untersuchen, wie sich eine Ver\u00e4nderung der zur Bestimmung der Kapitalkosten wesentlichen Parameter auf den Wert </span></div><div class=\"ps23025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Eigenkapitals auswirkt, wurden diese Parameter im Zuge der durchgef\u00fchrten Sensitivit\u00e4tsanalyse variiert. So k\u00f6nnen </span></div><div class=\"ps23026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4nderungen in der Bewertung dieser Gesellschaften zu einer Anpassung des Buchwerts f\u00fchren. Im Falle eines Abw\u00e4rtsszenarios </span></div><div class=\"ps23027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg der Kapitalkosten um 50 Basispunkte) w\u00fcrde sich der Value in Use von Leipnik-Lundenburger Invest Beteiligungs AG, </span></div><div class=\"ps23028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Leasing Management GmbH, Prva stavebna sporitelna a.s., Oesterreichische Kontrollbank Aktiengesellschaft, </span></div><div class=\"ps23029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichische Hotel- und Tourismusbank GmbH und Posojilnica Bank eGen um weniger als 10 Prozent reduzieren, bei der </span></div><div class=\"ps23030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Informatik GmbH &amp; Co KG um rund 17 Prozent, und somit zu einer weiteren Buchwertabschreibung f\u00fchren. Von </span></div><div class=\"ps23031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Szenario nicht beeinflusst sind die UNIQA Insurance Group AG, Notartreuhandbank AG sowie die EMCOM Beteiligungs </span></div><div class=\"ps23032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">GmbH, hier w\u00fcrde ein weiterer Wertr\u00fcckgang zu keiner Buchwertabschreibung f\u00fchren, da der Value in Use noch immer \u00fcber </span></div><div class=\"ps23033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem anteiligen Eigenkapital liegen w\u00fcrde.</span></div><div class=\"ps28748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Assoziierte Unternehmen<span id=\"ia9f38cf6cbef463691383b320f735293\"></span></span></div><div class=\"ps21283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein assoziiertes Unternehmen ist ein Unternehmen, auf das der Konzern ma\u00dfgeblichen Einfluss hat. Ma\u00dfgeblicher Einfluss ist die </span></div><div class=\"ps28749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00f6glichkeit, an den finanz- und gesch\u00e4ftspolitischen Entscheidungen des Unternehmens, an dem die Beteiligung gehalten wird, </span></div><div class=\"ps28750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mitzuwirken. Dabei liegt weder Beherrschung noch gemeinschaftliche F\u00fchrung der Entscheidungsprozesse vor. In der Regel wird </span></div><div class=\"ps28751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ein ma\u00dfgeblicher Einfluss vermutet, wenn der Konzern zwischen 20 und 50 Prozent der Stimmrechte h\u00e4lt. Bei der Beurteilung, </span></div><div class=\"ps28752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ob der Konzern die M\u00f6glichkeit besitzt, einen ma\u00dfgeblichen Einfluss auf ein anderes Unternehmen auszu\u00fcben, werden die </span></div><div class=\"ps28753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Existenz sowie der Effekt potenzieller Stimmrechte, die aktuell aus\u00fcbbar oder wandelbar sind, ber\u00fccksichtigt. Weitere Faktoren, </span></div><div class=\"ps28754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die zur Beurteilung eines ma\u00dfgeblichen Einflusses herangezogen werden, sind beispielsweise die Vertretung in Leitungs- und </span></div><div class=\"ps28755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsgremien (bei \u00f6sterreichischen Aktiengesellschaften im Aufsichtsrat) des Beteiligungsunternehmens sowie wesentliche </span></div><div class=\"ps28756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsvorf\u00e4lle mit dem Beteiligungsunternehmen. Anteile an wesentlichen assoziierten Unternehmen werden at-equity </span></div><div class=\"ps28757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einbezogen und im Bilanzposten Anteile an Tochterunternehmen und assoziierten Unternehmen in dem Unterposten Anteile an </span></div><div class=\"ps28758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">at-equity bewerteten Unternehmen ausgewiesen.</span></div><div class=\"ps28759 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Anschaffungskosten dieser Beteiligungen einschlie\u00dflich darin enthaltener Gesch\u00e4fts- oder Firmenwerte werden zum </span></div><div class=\"ps28760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt der erstmaligen Einbeziehung in den Konzernabschluss bestimmt. Dabei werden dieselben Regeln angewendet wie </span></div><div class=\"ps28761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei vollkonsolidierten Unternehmen (Aufrechnung der Anschaffungskosten mit dem zum Fair Value bewerteten anteiligen </span></div><div class=\"ps28762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoverm\u00f6gen). Sofern assoziierte Unternehmen wesentlich sind, wird eine Fortschreibung des Equity-Buchwerts </span></div><div class=\"ps28763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsprechend der jeweiligen anteiligen Entwicklung des Eigenkapitals der Unternehmen vorgenommen. Jahresergebnisse aus </span></div><div class=\"ps28764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">at-equity bewerteten Unternehmen werden saldiert im Posten laufendes Ergebnis aus assoziierten Unternehmen dargestellt. </span></div><div class=\"ps28765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zurechenbare Verluste der at-equity bewerteten Unternehmen werden nur bis zur H\u00f6he des Equity-Buchwerts ber\u00fccksichtigt. </span></div><div class=\"ps28766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbersteigende Verluste werden nicht erfasst, da keine Verpflichtung besteht, die \u00fcbersteigenden Verluste auszugleichen. </span></div><div class=\"ps28767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden die beim assoziierten Unternehmen erfolgsneutral erfassten Bewertungen im Konzernabschluss der RBI </span></div><div class=\"ps28768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ebenfalls erfolgsneutral im sonstigen Ergebnis dargestellt. Dies betrifft insbesondere Bewertungen von finanziellen </span></div><div class=\"ps28769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten \u2013 Fair Value Through Other Comprehensive Income. An jedem Bilanzstichtag beurteilt der Konzern, inwiefern </span></div><div class=\"ps28770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">objektive Hinweise auf eine Wertminderung der Anteile an einem assoziierten Unternehmen vorliegen. Wenn objektive Hinweise </span></div><div class=\"ps28771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf eine Wertminderung vorliegen, wird eine Werthaltigkeitspr\u00fcfung durchgef\u00fchrt, indem der erzielbare Betrag der Beteiligung, </span></div><div class=\"ps28772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der dem jeweils h\u00f6heren Wert aus dem Nutzungswert und dem beizulegenden Zeitwert abz\u00fcglich Verkaufskosten entspricht, </span></div><div class=\"ps28773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit deren Buchwert verglichen wird. Eine in Vorperioden erfasste Wertminderung wird nur r\u00fcckg\u00e4ngig gemacht, wenn sich die </span></div><div class=\"ps28774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei der Bestimmung des erzielbaren Betrags der Beteiligung zugrunde liegenden Annahmen seit der letzten Erfassung eines </span></div><div class=\"ps28775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungsverlusts ge\u00e4ndert haben. In diesem Fall wird der Buchwert der Beteiligung auf ihren h\u00f6heren erzielbaren Betrag </span></div><div class=\"ps28776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeschrieben.</span></div><div class=\"ps29161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">In der Konzernbilanz at-equity bewertete Unternehmen<span id=\"i4a3859b69c6e4571b52e5ef447c6efce\"></span></span></div><div class=\"ps29200 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:272.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25644 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps11415\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29163 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps29162\">in W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-1dbd4d87 ps9347\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-3e64e966 ps29164\">Typ</span><span class=\"f charStyle-cdbbedb5 ps29165\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">EMCOM Beteiligungs GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29166 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:43.4pt\"></span></span><span class=\"ps20150\">37.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20963 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9340\"></span><span class=\"ps9340\">33,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29167 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">LEIPNIK-LUNDENBURGER INVEST Beteiligungs Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29168 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:33.3pt\"></span></span><span class=\"ps13308\">32.624.283<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29169 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2032\"></span><span class=\"ps2032\">33,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29170 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">NOTARTREUHANDBANK AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29171 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.44pt\"></span></span><span class=\"ps24764\">8.030.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29172 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29173\"></span><span class=\"ps29173\">26,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps5951\">FI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29176 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:29.89pt\"></span></span><span class=\"ps29175\">130.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29177 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7755\"></span><span class=\"ps7755\">8,1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreichische Hotel- und Tourismusbank Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29180 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:35.27pt\"></span></span><span class=\"ps29179\">11.627.653<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29181 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps2032\"></span><span class=\"ps2032\">31,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Posojilnica Bank eGen, Klagenfurt (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29183 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:34.86pt\"></span></span><span class=\"ps28609\">74.345.115<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29184 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps29185\"></span><span class=\"ps29185\">49,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Prva stavebna sporitelna a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25488 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:32.41pt\"></span></span><span class=\"ps19535\">66.500.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29187 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5366\"></span><span class=\"ps5366\">32,5 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps1846\">KI<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Informatik GmbH &amp; Co KG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29190 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:36.38pt\"></span></span><span class=\"ps29189\">1.460.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29191 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1676\"></span><span class=\"ps1676\">47,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps29192\">BH<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Management GmbH, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29194 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:39.76pt\"></span></span><span class=\"ps9395\">300.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29195 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6722\"></span><span class=\"ps6722\">50,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps12932\">SU<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1501\"><div><div class=\"ps31 ss1500\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29197 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:28.98pt\"></span></span><span class=\"ps10119\">309.000.000<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29198 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7121\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1628\"></span><span class=\"ps1628\">10,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss636\"><div><div class=\"ps31 ss626\"><span class=\"f charStyle-375ad3a6 ps8144\">VV<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Unternehmenskategorie: KI Kreditinstitut, FI Finanzinstitut, BH Anbieter von Nebendienstleistungen, FH Finanzholding, SU Sonstiges Unternehmen, VV Versicherung, WP Wertpapierunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-482": {
   "value": "<div class=\"ps14123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest f\u00fcr at-equity bewertete Unternehmen<span id=\"id015c211482443d29a0861a6a905e596\"></span></span></div><div class=\"ps22995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer Beteiligung h\u00f6her ist als ihr </span></div><div class=\"ps22996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die jedenfalls als Anzeichen f\u00fcr eine </span></div><div class=\"ps22997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein k\u00f6nnte, </span></div><div class=\"ps22998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. F\u00fcr den Werthaltigkeitstest wurden f\u00fcr die wesentlichen Einheiten </span></div><div class=\"ps15428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Annahmen getroffen.</span></div><div class=\"ps23008 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:171.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12527 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps22999\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7423 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps23000\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittelgenerierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23002 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23001\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23004 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23003\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6392\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12435 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps1492\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23006\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6319\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Diskontierungszinss\u00e4tze (nach Steuern)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12532 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22598 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20494\"></span><span class=\"ps20494\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19576\"></span><span class=\"ps19576\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12440 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12441 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20524\"></span><span class=\"ps20524\">8,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12442 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20537\"></span><span class=\"ps20537\">9,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Planungshorizont<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12540 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1907\"> 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22602 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12444 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12446 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12447 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1301\"><div><div class=\"ps16905 ss7\"><span class=\"f charStyle-2babd150 ps30\">LLI: Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT) - Durchschnittlicher Diskontierungszinssatz WACC<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss7\"><span class=\"f charStyle-2babd150 ps30\">OeKB: Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss7\"><span class=\"f charStyle-2babd150 ps30\">UNIQA: UNIQA Insurance Group AG, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Ergebnis wurde basierend auf den aktuellen Werthaltigkeitstests f\u00fcr den \u00fcberwiegenden Teil des Beteiligungsportfolios eine </span></div><div class=\"ps23010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertaufholung verzeichnet. Hierbei wirkte sich der fortschreitende Austausch niedrig verzinster Aktiva g\u00fcnstig auf die </span></div><div class=\"ps23011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragslage der Bankenbeteiligungen aus. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenfassung der wesentlichen Planungsannahmen und Beschreibung des Managementansatz zur Ermittlung der Werte:</span></div><div class=\"ps7104 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss509\"><div><div class=\"ps1485 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">generierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4802 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Kuze Beschreibung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4803 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche Annahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1824 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Managementansatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Leipnik-Lundenburger Invest <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungs AG (LLI)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4804 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">In den beiden Kernbereichen </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Vermahlung von Getreide und Verkauf </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(hei\u00dfe und kalte) Getr\u00e4nke und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Lebensmittel aus Automaten sind die </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">LLI-Unternehmen Marktf\u00fchrer in </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich sowie in einigen EU-L\u00e4ndern </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(Osteuropa und Deutschland).</span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Zus\u00e4tzlich zu den beiden Kernbereichen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erweisen sich die at-equity gehaltenen <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Beteiligungen als wesentliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertkomponenten.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4805 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planungsannahmen, welche vom </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Aufsichtsrat genehmigt wurden, </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">reflektieren die erwarteten </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rohstoffpreis- und <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostenentwicklungen, die sich auch in <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Absatzpreisen widerspiegeln.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4806 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planung beinhaltet Ma\u00dfnahmen zur </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Begegnung der aktuellen und </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erwarteten Marktentwicklungen. Diese </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">beinhalten neben Kosteneinsparungen </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und einer geeigneten Preisstrategie </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">weitere Spezialisierungen, die </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Optimierung mittels Digitalisierung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Entwicklung neuer Produkte.</span></div></div></div></td></tr><tr style=\"height:147pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiengesellschaft (OeKB)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23016 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die OeKB erf\u00fcllt zwei wesentliche </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Funktionen f\u00fcr die \u00f6sterreichische </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Exportindustrie und f\u00fcr den </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalmarkt. Als Export Credit Agency </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der Republik \u00d6sterreich stellt sie <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">staatlich garantierte Haftungen bereit </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und refinanziert exportbezogene </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Investitionen und Auslandsgesch\u00e4fte </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcber das Exportfinanzierungsverfahren. <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Dar\u00fcber hinaus unterst\u00fctzt die OeKB </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Kapitalmarkt durch spezialisierte </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertpapierdienstleitungen, die </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Abwicklung von Bundesanleihen-</span></div><div class=\"ps5465 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Auktionen sowie \u00fcber ihre <span class=\"f ps24\"> </span></span></div><div class=\"ps5466 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Tochtergesellschaften im Bereich </span></div><div class=\"ps15203 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Verwahrung und Clearing. Die </span></div><div class=\"ps23012 ss508\"><span class=\"f charStyle-6d404c82 ps30\">wesentlichen Beteiligungen sind die </span></div><div class=\"ps23013 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreichische Hotel- und Tourismus-</span></div><div class=\"ps23014 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bank (\u00d6HT) sowie die Oesterreichische </span></div><div class=\"ps23015 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entwicklungsbank (OeEB).</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23017 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Die Planungsannahmen ber\u00fccksichtigen <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">die Entwicklung des Volumens im </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Exportfinanzierungsverfahren und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">wurden im Bewertungsansatz </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">\u00fcbernommen. Sie zeigen \u00fcber die </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Folgejahre eine stabile Entwicklung des <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvolumens.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23018 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz reflektiert die </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aktuellen externen Rahmenbeding-</span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ungen. Das Zinsniveau sowie </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Nachholeffekte bei zuvor </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aufgeschobenen Investitionen aufgrund <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">des inflation\u00e4ren Umfelds der <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">vergangenen Jahre wurden in den </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Planungsannahmen ber\u00fccksichtigt. Die </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bestehenden Mandate der Republik </span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich bilden eine stabile Basis f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Gesch\u00e4ftst\u00e4tigkeit der OeKB, welche </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">durch die weiteren Services erg\u00e4nzt </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">werden.</span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6551 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG (UNIQA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23019 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die UNIQA Insurance Gruppe AG ist einer </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der f\u00fchrenden Versicherungskonzerne in <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ihren Kernm\u00e4rkten \u00d6sterreich und CEE. </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Sie ist in 14 L\u00e4ndern vor Ort und </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">serviciert mehr als 17 Millionen Kunden. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Marken UNIQA und Raiffeisen </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherung sind zwei starke </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherungsmarken in \u00d6sterreich und </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sind in den CEE-M\u00e4rkten gut <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">positioniert.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23020 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">UNIQA plant eine Weiterverfolgung der </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">gesetzten langfristigen </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rentabili\u00e4tsziele, trotz des steigenden </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostendrucks, durch die Setzung </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechender gegensteuernder </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Ma\u00dfnahmen. Zusammenfassend wird </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">trotz des volatilen Umfelds die </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der langfristigen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechend eine stabile langfristige </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Renditeentwicklung angenommen. </span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23021 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz wurde im </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wesentlichen als Bewertungsansatz </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcbernommen. Grundlage bildet die </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der gesetzten </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entsprechend wird die Sicherstellung <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">einer soliden Eigenkapitalverzinsung </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sowie der starken Solvenzsituation </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">zugrunde gelegt. Dies bildet die Basis <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">eines nachhaltigen Dividendenwachs-</span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">tums und stabiler Dividendenrendite. </span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ic2225d95a1cc40a29ec0cca3679f9794\"></span></span></div><div class=\"ps23024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um zu untersuchen, wie sich eine Ver\u00e4nderung der zur Bestimmung der Kapitalkosten wesentlichen Parameter auf den Wert </span></div><div class=\"ps23025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Eigenkapitals auswirkt, wurden diese Parameter im Zuge der durchgef\u00fchrten Sensitivit\u00e4tsanalyse variiert. So k\u00f6nnen </span></div><div class=\"ps23026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4nderungen in der Bewertung dieser Gesellschaften zu einer Anpassung des Buchwerts f\u00fchren. Im Falle eines Abw\u00e4rtsszenarios </span></div><div class=\"ps23027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg der Kapitalkosten um 50 Basispunkte) w\u00fcrde sich der Value in Use von Leipnik-Lundenburger Invest Beteiligungs AG, </span></div><div class=\"ps23028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Leasing Management GmbH, Prva stavebna sporitelna a.s., Oesterreichische Kontrollbank Aktiengesellschaft, </span></div><div class=\"ps23029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichische Hotel- und Tourismusbank GmbH und Posojilnica Bank eGen um weniger als 10 Prozent reduzieren, bei der </span></div><div class=\"ps23030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Informatik GmbH &amp; Co KG um rund 17 Prozent, und somit zu einer weiteren Buchwertabschreibung f\u00fchren. Von </span></div><div class=\"ps23031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Szenario nicht beeinflusst sind die UNIQA Insurance Group AG, Notartreuhandbank AG sowie die EMCOM Beteiligungs </span></div><div class=\"ps23032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">GmbH, hier w\u00fcrde ein weiterer Wertr\u00fcckgang zu keiner Buchwertabschreibung f\u00fchren, da der Value in Use noch immer \u00fcber </span></div><div class=\"ps23033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem anteiligen Eigenkapital liegen w\u00fcrde.</span></div><div class=\"ps23046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Voraussichtlich dauernde Wertminderungen werden erfolgswirksam erfasst und im Posten Wertminderungen auf </span></div><div class=\"ps23047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nichtfinanzielle Verm\u00f6genswerte dargestellt. Bei Wegfall der Wertminderungsgr\u00fcnde erfolgt eine Zuschreibung bis zu den </span></div><div class=\"ps23048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgeschriebenen Anschaffungskosten.</span></div><span class=\"f charStyle-9eccfdcb ps23059\">Voraussichtlich dauernde </span><div class=\"ps23061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen werden erfolgswirksam erfasst und im Posten Wertminderungen auf nichtfinanzielle Verm\u00f6genswerte </span></div><div class=\"ps23062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Bei Wegfall der Wertminderungsgr\u00fcnde erfolgt eine Zuschreibung bis zu den fortgeschriebenen </span></div><div class=\"ps23063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten.</span></div><div class=\"ps23081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte<span id=\"i9a2e44d5792f401683ee9f6d2752ee1e\"></span></span></div><div class=\"ps23082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Immaterielle Verm\u00f6genswerte, die im Rahmen eines Unternehmenszusammenschlusses erworben wurden, werden in der RBI </span></div><div class=\"ps23083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesondert vom Gesch\u00e4fts- oder Firmenwert erfasst und im Erwerbszeitpunkt mit ihrem beizulegenden Zeitwert bewertet. </span></div><div class=\"ps23084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenwerte und sonstige immaterielle Verm\u00f6genswerte ohne bestimmbare Nutzungsdauer werden an jedem Bilanzstichtag </span></div><div class=\"ps23085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf ihre Werthaltigkeit \u00fcberpr\u00fcft. Bei besonderen Ereignissen (Trigger Events) erfolgt auch unterj\u00e4hrig eine \u00dcberpr\u00fcfung der </span></div><div class=\"ps23086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werthaltigkeit. Sofern Umst\u00e4nde vorliegen, die den erwarteten Nutzen nicht mehr erkennen lassen, wird gem\u00e4\u00df IAS 36 eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorgenommen. Immaterielle Verm\u00f6genswerte mit einer bestimmbaren Nutzungsdauer werden \u00fcber den </span></div><div class=\"ps23088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum abgeschrieben, \u00fcber den dieser immaterielle Verm\u00f6genswert genutzt werden kann.</span></div><div class=\"ps23331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitspr\u00fcfung des Firmenwerts<span id=\"iebe7bb4e90ee46d6a69a7c56f4bf2948\"></span></span></div><div class=\"ps23332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden an jedem Bilanzstichtag auf Basis zahlungsmittelgenerierender Einheiten (Cash Generating Units; </span></div><div class=\"ps23333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CGU) auf ihren k\u00fcnftigen wirtschaftlichen Nutzen \u00fcberpr\u00fcft. Eine zahlungsmittelgenerierende Einheit wird vom Management </span></div><div class=\"ps23334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und ist als die kleinste identifizierbare Gruppe von Verm\u00f6genswerten eines Unternehmens definiert, die permanente </span></div><div class=\"ps23335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsmittelzufl\u00fcsse aus der laufenden Nutzung hervorbringt. In der RBI werden alle Segmente gem\u00e4\u00df </span></div><div class=\"ps23336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Segmentberichterstattung als zahlungsmittelgenerierende Einheiten bestimmt. Innerhalb der Segmente bilden rechtlich </span></div><div class=\"ps23337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst\u00e4ndige Einheiten zum Zweck der Wertminderungspr\u00fcfung der Firmenwerte jeweils eine eigene CGU. Dabei wird der </span></div><div class=\"ps23338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der jeweiligen Einheit (einschlie\u00dflich eines zugeordneten Gesch\u00e4fts- oder Firmenwerts) mit dem aus ihr erzielbaren </span></div><div class=\"ps23339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag verglichen. Dieser ist grunds\u00e4tzlich als der h\u00f6here Betrag aus beizulegendem Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Nutzungswert (Value in Use) definiert. Der Nutzungswert basiert auf den erwarteten potenziellen Dividenden, die mit einem </span></div><div class=\"ps23341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoad\u00e4quaten Zinssatz diskontiert werden. Die Sch\u00e4tzung der zuk\u00fcnftigen Ergebnisse erfordert eine Beurteilung der </span></div><div class=\"ps23342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bisherigen sowie der zuk\u00fcnftigen Performance, letztere unter Beachtung der voraussichtlichen Entwicklung der relevanten </span></div><div class=\"ps23343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkte und des gesamtwirtschaftlichen Umfelds.</span></div><div class=\"ps23344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Impairment-Tests der Firmenwerte auf Basis der zahlungsmittelgenerierenden Einheiten beruhen auf einer vom jeweiligen </span></div><div class=\"ps23345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management erstellten und von den zust\u00e4ndigen Organen genehmigten Mehrjahresplanung. Darin wird die mittelfristige </span></div><div class=\"ps23346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsperspektive der CGU unter Ber\u00fccksichtigung der Gesch\u00e4ftsstrategie, der gesamtwirtschaftlichen Rahmenbedingungen </span></div><div class=\"ps23347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bruttoinlandsprodukt, Inflationserwartungen etc.) sowie der jeweiligen Marktverh\u00e4ltnisse abgebildet. Im Anschluss daran </span></div><div class=\"ps23348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt eine Verstetigung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. Die Diskontierung der </span></div><div class=\"ps23349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertungsrelevanten Ertr\u00e4ge, das sind die potenziellen Dividenden, erfolgt mit risikoadaptierten und l\u00e4nderspezifisch </span></div><div class=\"ps23350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Eigenkapitalkostens\u00e4tzen. Diese wurden in Anlehnung an das Capital-Asset-Pricing-Modell ermittelt. Die </span></div><div class=\"ps23351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen Zinssatzparameter (risikoloser Zinssatz, Inflationsdifferenz, Marktrisikopr\u00e4mie, l\u00e4nderspezifische Risiken und Beta-</span></div><div class=\"ps23352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren) wurden mithilfe externer Informationsquellen festgelegt. Der gesamte Planungshorizont wird in drei Phasen </span></div><div class=\"ps23353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgeteilt, wobei sich die Phase I auf den Planungszeitraum des Managements von drei Jahren erstreckt. In der Phase II, die </span></div><div class=\"ps23354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere zwei Jahre umfasst, wird die Detailplanung unter Beachtung von gesamtwirtschaftlichen Plandaten extrapoliert. In der </span></div><div class=\"ps23355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Phase III erfolgt die Verstetigung der Ertragserwartung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. </span></div><div class=\"ps23356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden Firmenwerte auch unterj\u00e4hrig auf Werthaltigkeit \u00fcberpr\u00fcft, falls ein Wertminderungsgrund vorliegt.</span></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_820\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(31) Erwartete Kreditverluste<span id=\"i0ac5696eeaa542c39c86ba643e364632\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erwarteten Kreditverluste aus einem Finanzinstrument sind so zu bemessen, dass sie einen unverzerrten und </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlichkeitsgewichteten Betrag darstellen, der durch Auswertung einer Reihe verschiedener m\u00f6glicher Ergebnisse </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt wird, dem Zeitwert des Geldes und angemessenen und belastbaren Informationen entsprechen, die zum </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschlussstichtag ohne unangemessenen Kosten- oder Zeitaufwand \u00fcber vergangene Ereignisse, gegenw\u00e4rtige Bedingungen <span class=\"f ps24\"> </span></span></div><div class=\"ps902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Prognosen k\u00fcnftiger wirtschaftlicher Bedingungen verf\u00fcgbar sind. </span></div><div class=\"ps24488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Allgemeine Vorgehensweise<span id=\"i3ca92d1930064779a881dc62512116a8\"></span></span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bemessung der Wertminderungen f\u00fcr erwartete Kreditverluste finanzieller Verm\u00f6genswerte \u2013 Amortized Cost bzw. </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income ist die Anwendung von Modellen und </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognosen \u00fcber k\u00fcnftige wirtschaftliche Bedingungen und \u00fcber zuk\u00fcnftiges Zahlungsverhalten erforderlich. Bei der Berechnung </span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteter Kreditverluste sind Ermessensentscheidungen erforderlich, und zwar unter anderem bei der:</span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Festlegung der Kriterien f\u00fcr eine signifikante Erh\u00f6hung des Kreditrisikos</span></div><div class=\"ps4929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Auswahl geeigneter Modelle und Annahmen f\u00fcr die Berechnung erwarteter Kreditverluste</span></div><div class=\"ps24493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ber\u00fccksichtigung von Risiken, die von den Modellen nicht angemessen abgebildet werden</span></div><div class=\"ps15363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Bestimmung der Anzahl und relativen Gewichtung zukunftsorientierter Szenarien</span></div><div class=\"ps24494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zusammenfassung von Finanzinstrumenten anhand von gemeinsamen Ausfallrisikoeigenschaften in Gruppen mit </span></div><div class=\"ps24495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">dem Zweck der Berechnung erwarteter Kreditverluste.</span></div><div class=\"ps24496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisiko ist das Risiko, finanzielle Verluste zu erleiden, falls Kund:innen oder Kontrahent:innen den vertraglichen </span></div><div class=\"ps24497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen nicht oder nicht rechtzeitig nachkommen. Kreditrisiken ergeben sich haupts\u00e4chlich aus Interbanken-, <span class=\"f ps24\"> </span></span></div><div class=\"ps24498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenkunden- und Verbraucherkrediten sowie aus gew\u00e4hrten Kreditzusagen. Sie k\u00f6nnen ferner aus gegebenen </span></div><div class=\"ps24499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzgarantien, z. B. Kreditb\u00fcrgschaften, Akkreditiven und Akzepten, entstehen.</span></div><div class=\"ps24500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Kreditrisiken ergeben sich aus Veranlagungen in Schuldtiteln und aus Handelsaktivit\u00e4ten (Handelskreditrisiken), sowie </span></div><div class=\"ps24501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Verrechnungssalden mit Gegenparteien und aus Reverse-Repo-Gesch\u00e4ften. </span></div><div class=\"ps24502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle werden herangezogen, um die Eintrittswahrscheinlichkeit von Ausf\u00e4llen (PD), die damit verbundenen Verlustquoten </span></div><div class=\"ps24503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(LGD) und dem ausstehenden Betrag zum Zeitpunkt des Ausfalls (EAD) zu sch\u00e4tzen. Zus\u00e4tzlich zu bestehenden, historisch </span></div><div class=\"ps24504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">belastbar modellierten Risiken entstehen neue Risiken - wie zum Beispiel geopolitische Unsicherheiten, Risiken im </span></div><div class=\"ps24505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit der Energieversorgung sowie Umweltrisiken. Diese Risiken k\u00f6nnen aufgrund unzureichender historischer <span class=\"f ps24\"> </span></span></div><div class=\"ps24506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten nicht durch bestehende statistische Modelle erfasst werden. Um jedoch eine angemessene Risikovorsorge zu </span></div><div class=\"ps24507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten, werden diese Risiken \u00fcber Management Overlays in die ECL-Berechnung einbezogen. Sie lassen sich </span></div><div class=\"ps24508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenderma\u00dfen unterteilen: </span></div><div class=\"ps24509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Overlays: Hierbei handelt es sich um Anpassungen, die au\u00dferhalb des Modells vorgenommen werden, d. h. nach der </span></div><div class=\"ps24510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellanwendung. Post-Model-Adjustments (PMA) fallen in diese Kategorie. </span></div><div class=\"ps24511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">In-Model Adjustments: Hierbei handelt es sich um Anpassungen, die innerhalb des IFRS 9 Modells erfolgen. Dies </span></div><div class=\"ps24512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">umfasst die Anpassung von Modellinputs, Modellparametern oder Ad-hoc-Anpassungen des Modells und der </span></div><div class=\"ps24513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellkalibrierung (wobei die \u00c4nderung von Modellparametern wie LGD und PD durch die Einbeziehung </span></div><div class=\"ps24514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zukunftsgerichteter makro\u00f6konomischer Informationen nicht als Management Overlay gilt). </span></div><div class=\"ps24515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ESG-Faktoren sind in der ECL-Modellierung noch nicht explizit inkludiert. Sie flie\u00dfen jedoch \u00fcber Overlays in die Berechnung ein. </span></div><div class=\"ps24516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Signifikante Erh\u00f6hung des Kreditrisikos<span id=\"i20151d17f4eb4957b50e0c48db2e7c07\"></span></span></div><div class=\"ps24517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI sieht die Erh\u00f6hung des Kreditrisikos eines Finanzinstruments dann als signifikant an, wenn eines oder mehrere der </span></div><div class=\"ps24518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden quantitativen, qualitativen oder Backstop-Kriterien erf\u00fcllt sind: </span></div><div class=\"ps24519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Quantitative Kriterien<span id=\"i9c29486dd8044f918915448813775d9f\"></span></span></div><div class=\"ps24520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den Rating-Systemen der RBI werden die verf\u00fcgbaren quantitativen und qualitativen Informationen mit Relevanz f\u00fcr die </span></div><div class=\"ps24521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognose des Kreditrisikos zur PD verdichtet. Dieser Gr\u00f6\u00dfe liegen insbesondere eine statistisch fundierte Auswahl und </span></div><div class=\"ps24522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtung aller verf\u00fcgbaren Indikatoren zugrunde. Weiterhin flie\u00dfen in der gem\u00e4\u00df den IFRS-9-Anforderungen adjustierten PD </span></div><div class=\"ps24523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">neben historischen Informationen und dem aktuellen wirtschaftlichen Umfeld insbesondere auch zukunftsorientierte </span></div><div class=\"ps24524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen, wie z. B. die Prognose der Entwicklung der makro\u00f6konomischen Rahmenbedingungen, ein. Folgerichtig </span></div><div class=\"ps23766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verwendet die RBI die PD als Messgr\u00f6\u00dfe f\u00fcr die Beurteilung, ob sich das Kreditrisiko eines Finanzinstruments gegen\u00fcber dem </span></div><div class=\"ps24525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt signifikant erh\u00f6ht hat. Durch die Verankerung der \u00dcberpr\u00fcfung des relativen Transferkriteriums in den </span></div><div class=\"ps24526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konzernweit etablierten Verfahren und Prozessen des Kreditrisikomanagements wird eine zuverl\u00e4ssige und zeitnahe <span class=\"f ps24\"> </span></span></div><div class=\"ps24527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Identifikation signifikanter Risikoerh\u00f6hungen sichergestellt. Die \u00dcberpr\u00fcfung, ob am Berichtsstichtag eine signifikante Erh\u00f6hung </span></div><div class=\"ps24528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Ausfallrisikos gegen\u00fcber dem Zugangszeitpunkt des betreffenden Finanzinstruments vorliegt, erfolgt zum Berichtsstichtag </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">grunds\u00e4tzlich durch einen Vergleich der beobachteten Ausfallwahrscheinlichkeit \u00fcber die Restlaufzeit des Finanzinstruments </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Lifetime-PD) mit der im Zugangszeitpunkt erwarteten Lifetime-PD \u00fcber denselben Zeitraum. Aufgrund der unterschiedlichen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Natur der Produkte von Non-Retail- und Retail-Kund:innen unterscheiden sich die Methoden zur Bestimmung einer signifikanten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos geringf\u00fcgig. </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um die zwei Kurven f\u00fcr das Kreditrisiko von Non-Retail-Kund:innen vergleichbar zu machen, werden die PDs zu annualisierten </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">PDs reduziert. Ein relativer Anstieg der PD um mindestens 250 Prozent wird als signifikante Erh\u00f6hung des Kreditrisikos </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interpretiert. Bei l\u00e4ngeren Laufzeiten wird die Schwelle von 250 Prozent reduziert, um den Laufzeiteffekt zu ber\u00fccksichtigen. </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Retail-Forderungen werden die kumulierten Restlaufzeit-PDs verglichen. Dabei wird, bedingt auf das \u00dcberleben bis zum </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stichtag, die Logit-Differenz (i.e. Logit ist in der Statistik der nat\u00fcrliche Logarithmus einer Chance) zwischen der Lifetime-PD </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Stichtag und der Lifetime-PD zum urspr\u00fcnglichen Buchungszeitpunkt verglichen. Hierbei wird im Allgemeinen dann von </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem signifikanten Anstieg des Kreditrisikos ausgegangen, wenn ein relativer Anstieg der kumulierten Restlaufzeit-PD \u00fcber </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Schwellenwert liegt. Die Schwellenwerte werden getrennt f\u00fcr jedes Portfolio, das durch individuelle </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratingbasierte Lifetime-PD-Modelle abgedeckt wird, berechnet. Dabei werden die Schwellenwerte basierend auf historischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten als ein bestimmtes Quantil der Verteilung der oben genannten Logit-Differenzen auf das sich verschlechternde Portfolio <span class=\"f ps24\"> </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(gruppiert nach L\u00e4ndern und Produkten wie Hypothekarkredite, Kreditkarten und SME-Kredite) gesch\u00e4tzt. Das bedeutet in der </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regel eine vom Ausfallverhalten der verschiedenen Portfolios abh\u00e4ngige PD-Erh\u00f6hung zwischen 150 und 250 Prozent.</span></div><div class=\"ps24530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualitative Kriterien<span id=\"id9af93b40f6f4528999e37eb8eed006b\"></span></span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet f\u00fcr alle wesentlichen Portfolios zus\u00e4tzlich zu quantitativen Kriterien auch qualitative, um eine signifikante </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos eines Finanzinstruments festzustellen. </span></div><div class=\"ps3372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, Kreditinstitute und Projektfinanzierung findet ein Transfer in </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 2 statt, wenn den Kreditnehmer eines oder mehrere der folgenden Kriterien betreffen: </span></div><div class=\"ps24531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erkennung einer Verschlechterung der Kreditw\u00fcrdigkeit im Early-Warning-System</span></div><div class=\"ps24532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen von Vertragsbedingungen im Rahmen einer Forbearance-Ma\u00dfnahme</span></div><div class=\"ps24534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Externe Risikofaktoren mit einem potenziell signifikanten Einfluss auf die R\u00fcckzahlungsf\u00e4higkeit der </span><span class=\"f charStyle-9eccfdcb ps24533\">Kund:innen</span></div><div class=\"ps24535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, </span></div><div class=\"ps24537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitute und Projektfinanzierung durchgef\u00fchrt. </span></div><div class=\"ps24538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Retail-Portfolios wird ein Stage-2-Transfer auf Basis folgender qualitativer Kriterien durchgef\u00fchrt, das hei\u00dft, wenn der </span></div><div class=\"ps24539 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmer eines oder mehrere der folgenden Kriterien erf\u00fcllt: </span></div><div class=\"ps24540 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Forbearance Flag aktiv</span></div><div class=\"ps24541 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ausfall eines materiellen Exposures (&gt;20 Prozent vom Gesamtexposure) derselben Kund:innen auf einem anderen </span></div><div class=\"ps24542 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Produkt (PI Segment)</span></div><div class=\"ps24543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Holistic Approach \u2013 anwendbar f\u00fcr F\u00e4lle, in denen neue zukunftsorientierte Informationen f\u00fcr ein Segment oder einen </span></div><div class=\"ps24544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Teil des Portfolios verf\u00fcgbar werden und diese Informationen noch nicht im Ratingsystem erfasst sind. Bei </span></div><div class=\"ps24545 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Identifikation solcher F\u00e4lle bewertet das Management dieses Portfolio mit den \u00fcber die gesamte Laufzeit </span></div><div class=\"ps24546 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">erwarteten Kreditverlusten (als kollektive Bewertung).</span></div><div class=\"ps24547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Retail-Kundenportfolios durchgef\u00fchrt. </span></div><div class=\"ps24549 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Backstop Kriterien<span id=\"ieab3601c46a840f78ffd363ad323dbf9\"></span></span></div><div class=\"ps4911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Backstop wird angewendet und eine signifikante Erh\u00f6hung des Kreditrisikos eines Finanzinstruments angenommen, wenn </span></div><div class=\"ps4912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Zahlungen mehr als 30 Tage \u00fcberf\u00e4llig sind. In Ausnahmef\u00e4llen besteht die M\u00f6glichkeit die 30-Tage Regelung zu </span></div><div class=\"ps4913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">widerlegen, jedoch wird diese Ausnahme in der RBI nicht angewendet.</span></div><div class=\"ps24550 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausnahme f\u00fcr niedrige Ausfallrisiken<span id=\"i2046a82267a54d92b2626962b56209cd\"></span></span></div><div class=\"ps24551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In ausgew\u00e4hlten F\u00e4llen f\u00fcr staatliche Schuldverschreibungen macht die RBI von der Ausnahmeregelung f\u00fcr Finanzinstrumente </span></div><div class=\"ps24552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit geringem Kreditrisiko Gebrauch. All jene Wertpapiere, die als geringes Kreditrisiko eingestuft werden, haben ein Rating, das </span></div><div class=\"ps24553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mindestens einem Investment-Grade-Rating entspricht, d. h. mindestens Standard &amp; Poor's BBB-, Moody's Baa3 oder Fitch BBB-. </span></div><div class=\"ps24554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Kreditgesch\u00e4ft ist diese Ausnahmeregelung nicht anwendbar.</span></div><div class=\"ps24555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Definition der Begriffe Ausfall und wertgeminderte Verm\u00f6genswerte<span id=\"ic3b68ba2e1dd40379558ee16897782a0\"></span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Berechnung der erwarteten Kreditverluste gem\u00e4\u00df IFRS 9 verwendet die RBI dieselbe Ausfallsdefinition wie f\u00fcr die CRR-</span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenmittelrechnung. Das hei\u00dft eine ausgefallene Forderung ist auch in Stage 3. Der Ausfall wird anhand quantitativer und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">qualitativer Kriterien beurteilt. Als ausgefallen gilt ein Kredit, erstens wenn vertragliche Zahlungen mehr als 90 Tage \u00fcberf\u00e4llig </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Zweitens gilt ein Kredit als ausgefallen, wenn es zu erheblichen finanziellen Schwierigkeiten kommt und es <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwahrscheinlich ist, dass den Zahlungsverpflichtungen nachgekommen wird. Die Definition eines Ausfalls wurde in den </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnungen der erwarteten Kreditverluste der RBI zur Abbildung der Ausfallwahrscheinlichkeit (PD), des ausstehenden </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrags zum Zeitpunkt des Ausfalls (EAD) sowie der Verlustquote bei Ausfall (LGD) einheitlich angewendet. </span></div><div class=\"ps16059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erl\u00e4uterung der Input-Daten, Annahmen und Sch\u00e4tztechniken<span id=\"i7cd82382d6984fa192eea97210231401\"></span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust wird entweder auf der Basis einer Zw\u00f6lf-Monats-Betrachtung oder einer Betrachtung der \u00fcber die </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Restlaufzeit erwarteten Kreditverluste berechnet \u2013 je nachdem, ob seit dem erstmaligen Ansatz eine signifikante Erh\u00f6hung des <span class=\"f ps24\"> </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisikos eingetreten ist, oder ob ein Verm\u00f6genswert als wertgemindert angesehen wird. Zukunftsorientierte <span class=\"f ps24\"> </span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wirtschaftliche Informationen werden ebenfalls in die Bestimmung der PD, EAD und LGD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jener f\u00fcr die Gesamtlaufzeit einbezogen. Diese Annahmen unterscheiden sich je nach Produktart. Die erwarteten Kreditverluste </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind das diskontierte Produkt aus der Ausfallwahrscheinlichkeit (PD), der Verlustquote bei Ausfall (LGD), dem ausstehenden </span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag zum Zeitpunkt des Ausfalls (EAD) und dem Diskontierungsfaktor (Discount Factor, D). </span></div><div class=\"ps24556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausfallwahrscheinlichkeit (PD)<span id=\"i465ca4ed013b4867af80a8b6d695a750\"></span></span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit, mit der ein Kreditnehmer entweder innerhalb der n\u00e4chsten zw\u00f6lf </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monate oder in der gesamten Restlaufzeit seinen Zahlungsverpflichtungen nicht nachkommen kann. Im Allgemeinen wird die </span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeit \u00fcber die Laufzeit ausgehend von der regulatorischen Zw\u00f6lf-Monats-Ausfallwahrscheinlichkeit </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechnet, bereinigt um jegliche konservativen Anpassungen. Danach werden verschiedene statistische Methoden zur </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einsch\u00e4tzung der Entwicklung des Ausfallprofils vom Zeitpunkt des erstmaligen Ansatzes \u00fcber die Gesamtlaufzeit des Kredits </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder des Kreditportfolios angewendet. Das Ausfallsprofil beruht auf historischen beobachteten Daten.</span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung des Ausfallprofils ausstehender Kreditbetr\u00e4ge wurden verschiedene Modelle verwendet, die sich in die folgenden </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kategorien zusammenfassen lassen:</span></div><div class=\"ps24559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-525aaa30 ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen und Finanzinstitute: Das Ausfallprofil wird unter Verwendung eines </span></div><div class=\"ps24560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">parametrischen \u00dcberlebensregressionsansatzes (Burr-Typ 12 und Weibull) erstellt. Zukunftsorientierte Informationen </span></div><div class=\"ps24561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen. Die Kalibrierung der </span></div><div class=\"ps24562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallwahrscheinlichkeiten wird bereinigt f\u00fcr k\u00fcrzere Laufzeiten und fr\u00fchzeitige R\u00fcckzahlungen.</span></div><div class=\"ps24563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Das Ausfallprofil wird mithilfe einer parametrischen </span></div><div class=\"ps24564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">\u00dcberlebensregression in einem konkurrierenden Risikorahmen erstellt. Zukunftsorientierte Informationen werden </span></div><div class=\"ps24565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">unter Verwendung von Satellitenmodellen in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor, Kommunal- und Regionalregierungen, Versicherungen und Organismen f\u00fcr gemeinsame Anlagen </span></div><div class=\"ps24567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">in Wertpapieren (OGAW): Das Ausfallprofil wird mithilfe eines \u00dcbergangsmatrix-Ansatzes erstellt. Zukunftsorientierte </span></div><div class=\"ps24568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Informationen werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig verf\u00fcgbar sind, werden f\u00fcr die Berechnung die Techniken </span></div><div class=\"ps24570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Gruppierung, der Mittelung und des Benchmarkings der Input-Daten verwendet. </span></div><div class=\"ps24571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verlustquote bei Ausfall (LGD)<span id=\"i1e99888e28764a37b8b187e442df7dc8\"></span></span></div><div class=\"ps24572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verlustquote bei Ausfall entspricht der Erwartung der RBI bez\u00fcglich der Verlusth\u00f6he bei einem Forderungsausfall. Sie </span></div><div class=\"ps24573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden bei Ausfall als prozentualer Verlust pro Einheit des ausstehenden Betrags zum Zeitpunkt des Ausfalls ausgedr\u00fcckt. </span></div><div class=\"ps24574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verschiedene Modelle werden zur Sch\u00e4tzung der Verlustquote ausstehender Kreditforderungen verwendet. Sie lassen sich in </span></div><div class=\"ps24575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Kategorien zusammenfassen:</span></div><div class=\"ps24576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, Finanzinstitute, Kommunal- und Regionalregierungen, Versicherungen: Die </span></div><div class=\"ps24577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verlustquote bei Ausfall wird durch die Diskontierung von Cash-Flows berechnet, die w\u00e4hrend des Workout-</span></div><div class=\"ps24578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Prozesses eingetrieben werden. Zukunftsorientierte Informationen werden unter Verwendung eines Ein-Faktor-</span></div><div class=\"ps24579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modells in die Verlustquote bei Ausfall einbezogen. W\u00e4hrend Immobiliensicherheiten direkt bei der Reduktion des </span></div><div class=\"ps24580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ausstehenden Forderungswerts ber\u00fccksichtigt werden, haben andere Sicherheiten bereits bei der Modellierung im </span></div><div class=\"ps24581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">statistischen Mittelwert des LGD einen reduzierenden Effekt.</span></div><div class=\"ps24582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Die Verlustquote bei Ausfall wird berechnet, indem die regulatorische </span></div><div class=\"ps24583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote um Anpassungen f\u00fcr einen Konjunkturabschwung und andere konservative Abschl\u00e4ge bereinigt wird. </span></div><div class=\"ps24584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Zukunftsorientierte Informationen werden unter Verwendung von verschiedenen Satellitenmodellen in die </span></div><div class=\"ps24585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote einbezogen.</span></div><div class=\"ps24586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor: Die Ausfallquote wird mithilfe marktimpliziter Quellen ermittelt.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Je nach Art des Kreditunternehmens (Bank/Leasing) kommen unterschiedliche LGD-Sch\u00e4tzungen zum Einsatz. </span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur Verf\u00fcgung stehen, werden alternative Recovery-</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle, das Benchmarking von Input-Daten sowie die Fachmeinung von Experten f\u00fcr die Berechnung herangezogen.</span></div><div class=\"ps24588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausstehender Betrag zum Zeitpunkt des Ausfalls (EAD)<span id=\"ib6d46c78acf447c9bbcf66c9abe28027\"></span></span></div><div class=\"ps24589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der ausstehende Betrag zum Zeitpunkt des Ausfalls entspricht jenem Betrag, den die RBI zum Zeitpunkt des Ausfalls als </span></div><div class=\"ps24590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehend erwartet. Das EAD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und die Gesamtlaufzeit werden auf Grundlage des erwarteten </span></div><div class=\"ps13919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsprofils ermittelt, das sich je nach Vertrag unterscheidet. F\u00fcr amortisierende Produkte und f\u00fcr endf\u00e4llige Kredite beruht </span></div><div class=\"ps13920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses auf den vertraglichen R\u00fcckzahlungen, die der Kreditnehmer \u00fcber einen Zeitraum von zw\u00f6lf Monaten oder \u00fcber die </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtlaufzeit schuldet. Sofern nicht schon im Rahmen der PD-Sch\u00e4tzung \u00fcber die Kreditlaufzeit ber\u00fccksichtigt, werden </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen bez\u00fcglich vorzeitiger (vollst\u00e4ndiger) R\u00fcckzahlung oder Refinanzierung ebenfalls bei der Berechnung ber\u00fccksichtigt.</span></div><div class=\"ps24591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr revolvierende Produkte wird der ausstehende Betrag zum Zeitpunkt des Ausfalls so bestimmt, dass zum momentan </span></div><div class=\"ps24592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezogenen Betrag die erwartete Inanspruchnahme des verbleibenden Limits addiert wird. Dieser zus\u00e4tzliche Betrag ist das </span></div><div class=\"ps24593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Produkt aus dem verbleibenden Limit und dem Kreditkonversionsfaktor. Der Kreditkonversionsfaktor wird um die </span></div><div class=\"ps24594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorischen Sicherheitsmargen bereinigt. In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur </span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgung stehen, wird ein Benchmarking der Input-Daten f\u00fcr die Berechnung verwendet.</span></div><div class=\"ps24596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Diskontierungsfaktor (D)<span id=\"i78e949bab2ac459fa1f524fb8c26f3bf\"></span></span></div><div class=\"ps24597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr finanzielle Verm\u00f6genswerte und au\u00dferbilanzielle Verm\u00f6genswerte, bei denen es sich nicht um Leasing oder POCI handelt, </span></div><div class=\"ps24598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist der bei der Berechnung des erwarteten Kreditverlusts verwendete Diskontierungsfaktor aus dem Effektivzinssatz abgeleitet </span></div><div class=\"ps24599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder ein N\u00e4herungswert davon.</span></div><div class=\"ps24600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Berechnung<span id=\"i96b390bf8a8f46b3bced9e86e26c7818\"></span></span></div><div class=\"ps21076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust f\u00fcr Stage 1 und 2 ist das Produkt aus PD, LGD und EAD, multipliziert mit der Wahrscheinlichkeit, nicht </span></div><div class=\"ps21077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor dem betreffenden Zeitraum auszufallen. Letzteres wird durch die \u00dcberlebensfunktion S ausgedr\u00fcckt. Die dadurch </span></div><div class=\"ps21080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechneten zuk\u00fcnftigen Werte erwarteter Kreditverluste werden sodann auf den Berichtszeitpunkt diskontiert und summiert. </span></div><div class=\"ps21081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ergebnisse daraus werden schlie\u00dflich je nach zukunftsorientiertem Szenario gewichtet.</span></div><div class=\"ps24601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung der Wertminderungen f\u00fcr Stage 3 werden verschiedene Modelle verwendet, die sich in die folgenden Kategorien </span></div><div class=\"ps21083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammenfassen lassen:</span></div><div class=\"ps24602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, \u00f6ffentlicher Sektor, Finanzinstitute, Kommunal- und Regionalregierungen, </span></div><div class=\"ps24603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungen und Organismen f\u00fcr gemeinsame Anlagen in Wertpapieren: Die Wertminderung der Stage 3 wird von </span></div><div class=\"ps24604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Workout-Managern berechnet, die die erwarteten Cash-Flows mit dem geeigneten Effektivzinssatz diskontieren.</span></div><div class=\"ps24605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr Retail-Forderungen werden Wertminderungen der Stage 3 bei der Mehrheit der Konzerneinheiten durch die </span></div><div class=\"ps24606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Berechnung der statistisch abgeleiteten besten Sch\u00e4tzung des erwarteten Verlusts, bereinigt um indirekte Kosten, </span></div><div class=\"ps24607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ermittelt.</span></div><div class=\"ps24608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Gemeinsame Ausfallrisikoeigenschaften in Gruppen<span id=\"i367ddd3d5ec54550ab106c01c99166fd\"></span></span></div><div class=\"ps24609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Retail-Wertminderungen der Stage 1, Stage 2 und Stage 3 werden kollektiv bewertet. F\u00fcr die Non-Retail-Gesch\u00e4fte der </span></div><div class=\"ps24610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 3 werden die Wertminderungen einzeln bewertet. F\u00fcr die Bemessung der erwarteten Kreditverluste auf kollektiver Basis </span></div><div class=\"ps24611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird eine Gruppierung von Risikopositionen auf Grundlage gemeinsamer Kreditrisikomerkmale (im Sinn von </span></div><div class=\"ps24612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallrisikoeigenschaften) durchgef\u00fchrt, sodass die Risikopositionen innerhalb jeder Gruppe \u00e4hnlich sind. </span></div><div class=\"ps20385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Charakteristika von Retail-Krediten sind auf Ebene der L\u00e4nder, der Kundenklassifizierungen (Haushalte und Klein- und </span></div><div class=\"ps20386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mittelbetriebe), der Produkte (z. B. Hypotheken, pers\u00f6nliche Darlehen, Kontokorrentkredite oder Kreditkarten), der Rating-Stufen </span></div><div class=\"ps20387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die Ausfallwahrscheinlichkeit und der LGD-Pools zusammengefasst. Jede Kombination der aufgez\u00e4hlten Charakteristika </span></div><div class=\"ps24613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird als Gruppe mit einheitlichem erwartetem Verlustprofil betrachtet. </span></div><div class=\"ps24614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Non-Retail-Gesch\u00e4fte werden nach Rating-Stufen und Kundensegmenten einer Ausfallwahrscheinlichkeit zugeordnet. Dabei </span></div><div class=\"ps24615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden Kundentypen zu einzelnen Ratingmodellen zusammengefasst. F\u00fcr die Ermittlung der LGD- und EAD-Parameter wird das </span></div><div class=\"ps24616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio nach L\u00e4ndern gruppiert. </span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zukunftsorientierte Informationen<span id=\"i54759fc0145e4429af45db728217425d\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grunds\u00e4tzlich werden bei der IFRS-9-spezifischen Sch\u00e4tzung der Risikoparameter neben historischen Ausfallinformationen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere auch das aktuelle wirtschaftliche Umfeld sowie zukunftsorientierte Informationen ber\u00fccksichtigt. Insbesondere </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden dabei makro\u00f6konomische Prognosen der RBI regelm\u00e4\u00dfig im Hinblick auf ihre Auswirkungen auf die H\u00f6he des ECL </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gepr\u00fcft und in die ECL-Ermittlung einbezogen. </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der signifikanten Erh\u00f6hung des Kreditrisikos und die Berechnung der erwarteten Kreditverluste beziehen beide </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch zukunftsorientierte Informationen mit ein. Die RBI hat historische Analysen durchgef\u00fchrt und makro\u00f6konomische </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schl\u00fcsselfaktoren identifiziert, die sich auf das Kreditrisiko und die erwarteten Kreditverluste auswirken. </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese \u00f6konomischen Variablen und ihre Auswirkungen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterscheiden sich je nach Kategorie. Prognosen f\u00fcr diese \u00f6konomischen Variablen (das \u00f6konomische Basis-Szenario) werden </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">quartalsweise von Raiffeisen Research zur Verf\u00fcgung gestellt und vermitteln ein Best-Estimate-Bild der Volkswirtschaft in den </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">n\u00e4chsten drei Jahren. Jenseits von drei Jahren wird keine makro\u00f6konomische Anpassung durchgef\u00fchrt. Das hei\u00dft f\u00fcr den </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum \u00fcber diese drei Jahre hinaus wurde zur Prognose der \u00f6konomischen Variablen f\u00fcr die gesamte Restlaufzeit jedes </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instruments ein Mittelwertr\u00fcckkehr-Ansatz (Mean Reversion) verwendet. Demnach tendieren \u00f6konomische Variablen bis zur </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00e4lligkeit entweder zu einem langfristigen Durchschnittswert oder zu einer langfristigen Durchschnitts-Wachstumsrate. Die </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen dieser \u00f6konomischen Variablen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall wurden mithilfe </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">statistischer Regressionen bestimmt, um daraus die historischen Auswirkungen der \u00c4nderungen dieser Variablen auf die </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallraten und die Komponenten der Verlustquote bei Ausfall zum Zeitpunkt des Ausfalls zu erkennen. </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zum Basis-Szenario sch\u00e4tzt Raiffeisen Research auch ein optimistisches und ein pessimistisches Szenario, um </span></div><div class=\"ps16739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sicherzustellen, dass die Nichtlinearit\u00e4t des ECL in Abh\u00e4ngigkeit der Makro\u00f6konomie erfasst wird. </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die pessimistischen und optimistischen Szenarien wurde die Methodik aufgrund der diversen hohen Unsicherheiten </span></div><div class=\"ps16741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepasst. So wie alle \u00f6konomischen Vorhersagen unterliegen auch die hier beschriebenen Prognosen und </span></div><div class=\"ps16742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eintrittswahrscheinlichkeiten einer hohen inh\u00e4renten Unsicherheit. Die tats\u00e4chlichen Ergebnisse k\u00f6nnen somit erheblich von den </span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten abweichen. RBI sieht diese Prognosen jedoch als die bestm\u00f6gliche Sch\u00e4tzung der k\u00fcnftigen Ergebnisse an, die <span class=\"f ps24\"> </span></span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch allf\u00e4llige Nichtlinearit\u00e4ten und Asymmetrien in den verschiedenen Portfolios des Konzerns abdecken.</span></div><div class=\"ps24620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Nachstehend sind die wichtigsten makro\u00f6konomischen Annahmen der wesentlichsten L\u00e4nder, die f\u00fcr Sch\u00e4tzungen der </span></span></div><div class=\"ps24622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Kreditverluste zum Ende des Jahres verwendet wurden, angegeb</span></span><span class=\"f charStyle-9eccfdcb ps24621\">en. (Quelle: Raiffeisen Research, November 2025, </span></div><div class=\"ps24623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">exklusive Ukraine).</span></div><div class=\"ps24757 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24626\">Arbeitslosigkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">6,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17131\"></span><span class=\"ps17131\">-0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19532\"></span><span class=\"ps19532\">-1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23812\"></span><span class=\"ps23812\">-0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">8,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">9,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17702\"></span><span class=\"ps17702\">-0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps23265\">Langfristiger Anleihenzinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24759\">Immobilienpreise<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17780\"></span><span class=\"ps17780\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24760\"></span><span class=\"ps24760\">0,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18777\"></span><span class=\"ps18777\">11,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">9,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">9,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17766\"></span><span class=\"ps17766\">22,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15649\"></span><span class=\"ps15649\">12,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12560\"></span><span class=\"ps12560\">10,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">13,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">13,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24761\"></span><span class=\"ps24761\">11,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10683\"></span><span class=\"ps10683\">11,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">9,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">9,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24762\"></span><span class=\"ps24762\">12,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">8,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">7,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24765 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps20713\">Verbraucherpreisindex<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22283\"></span><span class=\"ps22283\">12,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23322\"></span><span class=\"ps23322\">13,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">8,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7310\"></span><span class=\"ps7310\">14,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21660\"></span><span class=\"ps21660\">10,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">6,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24764\"></span><span class=\"ps24764\">10,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufgrund des andauernden Krieges wurde f\u00fcr die Ukraine das optimistische Szenario nicht miteinbezogen. Des weiteren basiert </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das pessimistische Szenario nicht auf dem mathematischen Ansatz, der von Raiffeisen Research ver\u00f6ffentlicht wird, sondern </span></span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf einer narrativen Darstellung und wird mit 50 Prozent gewichtet. </span></span><span class=\"f charStyle-9eccfdcb ps24767\">Da f\u00fcr die Ukraine historische Daten nicht repr\u00e4sentativ </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind beziehungsweise aufgrund der aktuellen Umst\u00e4nde teilweise nicht zur Verf\u00fcgung stehen, wurden in die ukrainische ECL-</span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung ein abgeleitetes reales BIP und ein abgeleiteter kurzfristiger Zinssatz als makro\u00f6konomische Inputparameter </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einbezogen.</span></div><div class=\"ps24768 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12387\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19508\"></span><span class=\"ps19508\">13,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17913\"></span><span class=\"ps17913\">-14,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17532\"></span><span class=\"ps17532\">-8,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps458\"></span><span class=\"ps458\">-3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19510\"></span><span class=\"ps19510\">22,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">18,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7260\"></span><span class=\"ps7260\">17,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Modellentwicklung wurde eine Vielzahl makro\u00f6konomischer Variablen analysiert und die wesentlichen wurden f\u00fcr das </span></div><div class=\"ps24770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modell herangezogen. Das verwendete Modell ist ein Regressionsmodell mit dem Ziel, Ver\u00e4nderungen bzw. die H\u00f6he der </span></div><div class=\"ps24771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallquote zu erkl\u00e4ren. Die folgenden Arten von Makrovariablen wurden als Treiber des Kreditzyklus betrachtet: Reales BIP-</span></div><div class=\"ps24772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wachstum, Arbeitslosenquote, 3-Monats-Geldmarktzins, Rendite 10-j\u00e4hriger Staatsanleihen, der Renditespread 10-j\u00e4hriger </span></div><div class=\"ps24773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Staatsanleihen gegen\u00fcber Deutschland, Hauspreisindex, Wechselkurse und Verbraucherpreisindex. F\u00fcr jedes Land (oder jedes </span></div><div class=\"ps24774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio im Fall von Retail-Exposures) werden spezifische Regeln zur Erkl\u00e4rung historisch beobachteter Ausfallraten bestimmt. </span></div><div class=\"ps24775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrend des Kreditzyklus werden PDs mit den Ergebnissen des makro\u00f6konomischen Modells \u00fcberlagert, um den aktuellen und </span></div><div class=\"ps24776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Zustand der Wirtschaft widerzuspiegeln. F\u00fcr Firmenkunden wird zus\u00e4tzlich je nach Industrie der Zustand im </span></div><div class=\"ps24777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzyklus ber\u00fccksichtigt. W\u00e4hrend f\u00fcr Firmenkunden in Industrien mit neutralem Ausblick keine weitere Anpassung der </span></div><div class=\"ps24778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makromodelle vorgenommen wird, wird f\u00fcr Firmenkunden in Industrien mit schlechtem Ausblick das erwartete Kreditrisiko als </span></div><div class=\"ps24779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich erh\u00f6ht angenommen. F\u00fcr Non-Retail-Exposures wird f\u00fcr die LGD das Makromodell auf die zugrunde liegenden </span></div><div class=\"ps24780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesundungsraten angewendet, d. h. ein positiver makro\u00f6konomischer Ausblick treibt die Gesundungsraten in die H\u00f6he und dies </span></div><div class=\"ps24781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">reduziert die LGD. F\u00fcr Retail-Exposures wird die Workout-LGD in \u00e4hnlicher Weise wie die Ausfallraten entweder direkt oder </span></div><div class=\"ps13688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich \u00fcber die Komponenten wie Gesundungsraten, Verlust bei Gesundung sowie Verlust bei Nichtgesundung modelliert. </span></div><div class=\"ps24782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die langfristigen durchschnittlichen LGDs werden mit den Ergebnissen der Makromodelle \u00fcberlagert, um die aktuelle und </span></div><div class=\"ps24783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Wirtschaftslage widerzuspiegeln. Den einzelnen Szenarien wurden zum Ende des Berichtsjahres folgende </span></div><div class=\"ps24784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtungen zugeteilt: optimistisches Szenario 25 Prozent, Basis-Szenario 50 Prozent, pessimistisches Szenario 25 Prozent. </span></div><div class=\"ps24785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden sind folgende auf aktuelle wirtschaftliche und politische Entwicklungen zur\u00fcckzuf\u00fchrende Risiken und </span></span></div><div class=\"ps24786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplikationen in den makro\u00f6konomischen Modellen ber\u00fccksichtigt. Historisch hohe Inflationsraten in Kombination mit </span></span></div><div class=\"ps24787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6heren Leitzinsen f\u00fchrten zu einem Anstieg der Finanzierungskosten von Firmen. Diese Entwicklung wird in den Modellen </span></span></div><div class=\"ps24788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">wichtiger Portfoliosegmente mit der Ver\u00e4nderung des 3-Monate-Geldmarktzinses sowie der Rendite von Staatsanleihen </span></span></div><div class=\"ps24789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfasst, die zu einem Anstieg des prognostizierten Ausfallsrisikos f\u00fchrt. Zwar k\u00f6nnen hohe Inflationsraten in bivariaten Analysen </span></span></div><div class=\"ps24790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit h\u00f6herem Ausfallsrisiko assoziiert sein, die zugrunde liegenden Mechanismen sind aber die von Inflation verursachten </span></span></div><div class=\"ps24791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zinserh\u00f6hungen sowie ein oft gleichzeitig auftretendes tendenziell niedrigeres Wirtschaftswachstum. Diese Mechanismen sind </span></span></div><div class=\"ps24792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den Modellen \u00fcber reales Wirtschaftswachstum und Zinsver\u00e4nderungen direkt abgedeckt. Aus makro\u00f6konomischer Sicht </span></span></div><div class=\"ps24793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">waren die COVID-Pandemie und ihre Folgen von extremer Volatilit\u00e4t gepr\u00e4gt, mit starken Reduktionen des realen BIP und </span></span></div><div class=\"ps24794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anschlie\u00dfend ebenso starkem Wirtschaftswachstum. Im Gegensatz zu vergleichbaren Rezessionen nach der Finanzkrise sind </span></span></div><div class=\"ps24795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diese Entwicklungen nicht mit einer Welle von Insolvenzen und Kreditausf\u00e4llen einhergegangen. Das ist auf zwei Ursachen </span></span></div><div class=\"ps24796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zur\u00fcckzuf\u00fchren. Zum einen war die COVID-bedingte Rezession in erster Linie ein tempor\u00e4res Aussetzen wirtschaftlicher </span></span></div><div class=\"ps24797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aktivit\u00e4t, das wenige strukturelle Anpassungen erfordert hatte. Zum anderen kam es zu massiven unterst\u00fctzenden politischen </span></span></div><div class=\"ps24798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um einen permanenten Effekt (Arbeitslosigkeit, Insolvenz) zu vermeiden. Diese Entwicklungen zeigen, dass der </span></span></div><div class=\"ps24799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zusammenhang zwischen makro\u00f6konomischen Indikatoren und Kreditrisiko von Umst\u00e4nden beeinflusst wird, die quantitativ </span></span></div><div class=\"ps24800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">schwer erfassbar sind. Um zu vermeiden, dass die makro\u00f6konomischen Modelle implizit davon ausgehen, dass ein starker </span></span></div><div class=\"ps15732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">R\u00fcckgang des BIP-Wachstums immer mit massiven staatlichen Gegenma\u00dfnahmen einhergeht - wie es w\u00e4hrend der COVID-19-</span></span></div><div class=\"ps24801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Pandemie beobachtet wurde -, wurden zus\u00e4tzliche Parameter in die Modelle integriert. Diese Anpassungen werden gezielt auf </span></span></div><div class=\"ps24802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Segmente angewendet, in denen w\u00e4hrend der COVID-Phase kein signifikanter Anstieg des Ausfallrisikos zu verzeichnen war. </span></span></div><div class=\"ps24803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dadurch wird sichergestellt, dass die Prognosen des Modells pr\u00e4zise und unverzerrt bleiben.</span></span></div><div class=\"ps24804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundannahme der Anwendung makro\u00f6konomischer Kreditrisikomodelle ist, dass empirische Zusammenh\u00e4nge zwischen </span></div><div class=\"ps24805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">makro\u00f6konomischen Indikatoren und Ausfallrisiko auf zuk\u00fcnftige Ereignisse extrapoliert werden k\u00f6nnen.</span></div><div class=\"ps24806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Management Overlays <span id=\"ia5c4b0d62c1f4d22b061148d7ba6285e\"></span></span></div><div class=\"ps24807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In Situationen, in denen die bestehenden Input-Parameter, Annahmen und Modellierungen nicht alle relevanten neuartigen </span></span></div><div class=\"ps24808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikofaktoren abdecken, stellen Management Overlays eine praktikable L\u00f6sung dar, um eine angemessene Risikovorsorge trotz </span></span></div><div class=\"ps24810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">unzureichender historischer Daten sicherzustellen. </span></span><span class=\"f charStyle-9eccfdcb ps24809\">Dies ist grunds\u00e4tzlich dann der Fall, wenn vor\u00fcbergehende Umst\u00e4nde, </span></div><div class=\"ps24811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zeitliche Engp\u00e4sse, um relevante neue Informationen angemessen in das Rating einzubeziehen, vorliegen und wenn sich </span></div><div class=\"ps24812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelne Kredite innerhalb eines Kreditportfolios anders als urspr\u00fcnglich erwartet entwickeln. Durch die gegebene Situation, </span></div><div class=\"ps24813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere dem Krieg in der Ukraine, und der daraus resultierenden wirtschaftlichen Verwerfungen ist es notwendig, </span></div><div class=\"ps24814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risiken in den Wertminderungen abzubilden. All diese Anpassungen werden lokal von den Tochterunternehmen </span></div><div class=\"ps24815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlossen und zentral durch das Group Risk Committee (GRC) freigegeben. Es kommt zu portfoliospezifischen Anpassungen </span></div><div class=\"ps24816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Kriegs und der damit einhergehenden Sanktionen, die in der Kategorie geopolitisches Risiko dargestellt werden. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ihre Anwendungsdauer ist zeitlich begrenzt, oft f\u00fcr die Dauer spezifischer wirtschaftlicher Krisen oder bis Modelle angepasst </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Ihre Anwendung wird quartalsweise gepr\u00fcft. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr die zentralen Modelle im Bereich der Firmenkunden wird das zus\u00e4tzliche Risiko durch die Anwendung von In-Model </span></span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments (Parameteranpassungen innerhalb des Modells) ber\u00fccksichtigt. Diese Anpassungen k\u00f6nnen an verschiedenen </span></span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellparametern vorgenommen werden, wie z. B. den IFRS 9 PD-Kurven, k\u00fcnftigen Exposure-Profilen, der LGD etc. Die </span></span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bestimmungen f\u00fcr die Anwendung von In-Model Adjustments sind klar geregelt und umfassen unter anderem, erweiterte </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anforderungen an den Nachweis des neuartigen Risikofaktors, eine Analyse potenzieller \u00dcberschneidungen mit bestehenden </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">IFRS 9-Parametern und dem Kreditrisiko-Rating, eine detaillierte Dokumentation und eine starke Governance. Falls das In-Model </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment die angewandte PD erh\u00f6ht, wird dieser h\u00f6here Wert auch f\u00fcr die Staging-Entscheidung herangezogen. Die </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellanpassungen unterliegen regelm\u00e4\u00dfigen \u00dcberpr\u00fcfungen, mindestens jedoch auf viertelj\u00e4hrlicher Basis. Ein In-Model </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment bleibt so lange in Kraft, wie der identifizierte neuartige Risikofaktor fortbesteht und durch die bestehenden Modelle </span></span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht vollst\u00e4ndig abgebildet wird. </span></span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Im Retail Segment wurden ebenfalls In-Model Adjustments implementiert, sofern diese als geeignet angesehen wurden </span></span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dennoch blieben Post-Model Adjustments der vorherrschende Ansatz zur Adressierung neu auftretender Risiken. Diese Overlays </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden zus\u00e4tzlich zu den bestehenden Modellen angewandt, um die erwarteten Kreditverluste zu berechnen. Obwohl Post-</span></span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Model Adjustments als tempor\u00e4re Ma\u00dfnahmen betrachtet werden - mit einer \u00fcblichen G\u00fcltigkeit von ein bis zwei Jahren -, </span></span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dienen sie als Schutzma\u00dfnahme gegen potenzielle Verzerrungen. Sofern die identifizierten Risiken \u00fcber einen l\u00e4ngeren Horizont </span></span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">fortbestehen, werden sie durch Modellaktualisierungen oder Anpassungen der Modell-Inputs (einschlie\u00dflich In-Model </span></span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments) adressiert. Damit wird sichergestellt, dass die Modelle das sich entwickelnde Risikoprofil angemessen erfassen. </span></span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Overlays sind in nachfolgender Tabelle nach den relevanten Kategorien dargestellt. </span></div><div class=\"ps24864 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1368\"><div><div class=\"ps5730 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss185\"><div><div class=\"ps18991 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps9380\">Non-Retail Overlays</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps21353\">Retail Overlays</span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss1370\"><div><div class=\"ps18991 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2997 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24819 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24820 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24821 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24822 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24823 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24824 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24825 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24826 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24827 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps2768\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24828 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24829 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17895\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24830 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24831 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24832 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24206\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20227\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24833 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24834 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24835 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24836 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24837 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24233\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21345\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24838 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24839 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24840 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24841 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24842 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19921\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24843\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24844 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1085\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24845 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19689\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24847 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24846\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24848 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19286\">524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24255 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24850 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24851 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24852 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps23786\">79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24853 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17760\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24854 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20866\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5434 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24856 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps24855\">563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24858 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24857\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24859 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24860 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21541\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps15125\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24863 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24862\">976<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24901 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps24865\">Sonstige Risikofaktoren<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps17584\">Post-Model-Adjustments<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14916 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24866 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24867 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24868 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14924 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24869 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24870 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22999\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14936 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24872 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24873 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24874 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20563\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21402\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24876 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24877 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24878 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24879 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24244\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10755\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22299 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24882 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24883 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20390\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10638\">195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24886\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24887 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24889 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24888\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24890 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1506 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20214\">559<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19410\">248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24892 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24893\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24895 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17759\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1518 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19280\">350<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24896 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps20518\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22319 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24897 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps505\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24899 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17727\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1531 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24900\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zus\u00e4tzlich zu dem modellierten ECL (vor In-Model Adjustments) wurden Overlays in Stage 1 und Stage 2 in H\u00f6he von \u20ac 413 </span></span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Millionen (Vorjahr: \u20ac 467 Millionen) ber\u00fccksichtigt. Davon entfielen \u20ac 89 Millionen (Vorjahr: \u20ac 196 Millionen) auf die Auswirkungen </span></span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Krieges in der Ukraine und \u20ac\u00a0324 Millionen (Vorjahr: \u20ac 270 Millionen) auf makro\u00f6konomische Risiken (Spill-Over-Effekte und </span></span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sonstige). </span></span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den Spill-Over Effekten wurde ein Betrag in H\u00f6he von \u20ac 18 Millionen (Vorjahr: \u20ac 15 Millionen) aufgrund von Klimarisiken </span></span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebucht. Davon betreffen \u20ac 14 Millionen (Vorjahr: \u20ac 9 Millionen) Firmenkunden und \u20ac 4 Millionen (Vorjahr: \u20ac 6 Millionen) Retail-</span></span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kunden.</span></span></div><div class=\"ps24909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Non-Retail Overlays</span><span id=\"ibe6b2692710444a8af153e53f58a496e\"></span></span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden wurden zus\u00e4tzliche Wertminderungen in H\u00f6he von \u20ac 235 Millionen (Vorjahr: \u20ac 169 Millionen) f\u00fcr </span></span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">makro\u00f6konomische Effekte gebildet. Sie bilden Risiken ab, die \u00fcber die l\u00e4nderspezifische Branchenmatrix hinausgehen. Unter </span></span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diesen subsumieren sich sowohl globale wirtschaftspolitische Risiken wie zum Beispiel Z\u00f6lle und Gegenz\u00f6lle, als auch erwartete </span></span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Herabstufungen von Unternehmen z. B. aufgrund h\u00f6herer Energiepreise, einer erh\u00f6hten Inflation, von Engp\u00e4ssen in Lieferketten </span></span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie geringerer Ums\u00e4tze und h\u00f6herer Kosten als Folge erh\u00f6hter Energiepreise, insbesondere aus Vorjahren. </span></span></div><div class=\"ps24915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der Ukraine wurden f\u00fcr die Auswirkungen des Krieges \u20ac 81 Millionen (Vorjahr: \u20ac 83 Millionen) zus\u00e4tzlich in Form von </span></span></div><div class=\"ps24916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Management Overlays vorgesorgt. Diese zus\u00e4tzlich gebildeten Vorsorgen ergaben sich aus der Modellierung einer anhaltenden </span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zerst\u00f6rung der Infrastru</span></span><span class=\"f charStyle-9eccfdcb ps24917\">ktur sowie durch die fortgesetzte Bombardierung der betroffenen Gebiete. Im Vorjahr wurden diese </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken zusammen mit den EU- und US Sanktionsrisiken gegen\u00fcber russischen Kunden als geopolitische Risiken dargestellt und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrugen f\u00fcr Russland und die Ukraine insgesamt \u20ac 205 Millionen. Die Overlays f\u00fcr EU- und US Sanktionsrisiken gegen\u00fcber </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgew\u00e4hlten russischen Kunden wurden im Gesch\u00e4ftsjahr aufgrund der vollst\u00e4ndigen R\u00fcckzahlung der betroffenen Obligos </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur G\u00e4nze aufgel\u00f6st.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um Klima- und Umweltrisiken zu ber\u00fccksichtigen wurde f\u00fcr Firmen</span><span class=\"f charStyle-26fbf26f ps24918\"><span style=\"background-color:inherit\">kunden die M\u00f6glichkeit eines kurzfristigen </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">au\u00dferplanm\u00e4\u00dfigen Szenarios in Betracht gezogen, in dem CO</span></span><span class=\"f charStyle-c12972e2 ps24919\"><span style=\"background-color:inherit\">2</span></span><span class=\"f charStyle-26fbf26f ps24920\"><span style=\"background-color:inherit\"> Emissionen teurer werden und die Preise f\u00fcr fossile Energietr\u00e4ger </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6her sind. Bei einem diversifizierten Portfolio, wie dem der RBI, gleichen sich die Auswirkungen zwar weitgehend aus, in einigen </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sektoren besteht jedoch ein erh\u00f6htes Risiko. Dabei handelt es sich um Sektoren mit Kund:innen, die ein niedriges Umwelt Score </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den ESG Scoring Modellen aufweisen, wie z. B. die \u00d6l- und Gasindustrie und das Baugewerbe. H\u00f6here </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeiten in diesen Sektoren f\u00fchren zu einem Anstieg der erwarteten Kreditverluste.</span></span></div><div class=\"ps24921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Retail Overlays</span><span id=\"i6c5cf41c2c2e473eba3412c156475163\"></span></span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">W\u00e4hrend des letzten Jahres waren die Retail-Kund:innen einem zunehmenden Inflationsdruck ausgesetzt, der ihre F\u00e4higkeit zur </span></span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Deckung ihrer Kreditverpflichtungen beeintr\u00e4chtigt hatte. Als Teil der IFRS-9-Regelungen gibt es sowohl auf L\u00e4nder- als auch </span></span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf Produktebene, PD- und LGD-Modelle, die der Notwendigkeit dienen, diese hohen Risiken, die sich aus dem makro\u00f6ko-</span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nomischen Umfeld ergeben, zu adressieren. F\u00fcr bestimmte L\u00e4nder und Portfolios, bei denen die makro\u00f6konomischen Modelle </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">den wichtigsten makro\u00f6konomischen Variablen (Inflation, Zinss\u00e4tze, Arbeitslosigkeit usw.) entweder hinterherhinken oder die </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht Teil des Modells sind, werden f\u00fcr bestimmte Kundengruppen mit hohem Risiko zus\u00e4tzliche Post-Model-Adjustments </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebildet. Diese beinhalten eine qualitative Beurteilung der Kreditobligos im Hinblick auf einen signifikanten Anstieg des </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisikos und ihre \u00dcbertragung von Stage 1 auf Stage 2, sowie in bestimmten F\u00e4llen eine Erh\u00f6hung der PD- und/oder LGD-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sch\u00e4tzungen. Die Kriterien f\u00fcr die Identifizierung solcher Kreditobligos basieren auf Informationen des Kreditantrags sowie des </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">historischen Zahlungsverhaltens und werden in weiterer Folge durch gestresste makro\u00f6konomische Variablen verfeinert. Die </span></span></div><div class=\"ps24922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufl\u00f6sung der Post-Model-Adjustments erfolgt entweder nach Materialisierung der Risiken durch Transfer der betroffenen </span></span></div><div class=\"ps24923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Forderungen nach Stage 3 oder dem Nichteintritt der erwarteten Risiken.</span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr das ukrainische Retail-Kundenportfolio, das seit Kriegsbeginn gr\u00f6\u00dftenteils in Stage 2 verschoben wurde, basiert die Bildung </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Wertminderungen auf dem Urteil lokaler Experten, welches aus dem regelm\u00e4\u00dfigen Kontakt mit den einzelnen Kund:innen </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durch die Inkassoabteilung gewonnen wird. Des Weiteren finden strukturierte Kundengespr\u00e4che statt, um \u00fcber die Bed\u00fcrfnisse </span></span></div><div class=\"ps24924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und potenzielle Probleme, die die R\u00fcckzahlungsf\u00e4higkeit der Kund:innen beeinflussen k\u00f6nnten, auf dem Laufenden zu bleiben. </span></span></div><div class=\"ps24925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Verm\u00f6genswerte und Kund:innen aus besetzten Regionen oder Gebieten, welche einem hohen Risiko von Feindseligkeiten </span></span></div><div class=\"ps24926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">oder Besetzungen ausgesetzt sind, wurden die Risikoparameter weiter nach oben angepasst, um die erwarteten k\u00fcnftigen </span></span></div><div class=\"ps24927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Verluste auf der Grundlage der oben angef\u00fchrten Erhebungen zu ber\u00fccksichtigen.</span></span></div><div class=\"ps24928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ie784ee2bfddd45da8e6737dcbdc77932\"></span></span></div><div class=\"ps24929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um eine Bandbreite f\u00fcr potenzielle Sch\u00e4tzungs\u00e4nderungen und daraus ge\u00e4nderte Wertminderungen zu simulieren, wurden </span></div><div class=\"ps24930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Sensitivit\u00e4tsanalysen der wichtigsten Annahmen, die sich auf die erwarteten Wertminderungen auswirken, wie folgt </span></div><div class=\"ps24931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchgef\u00fchrt.</span></div><div class=\"ps24932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse wurde durchgef\u00fchrt, indem die Wertminderungen f\u00fcr erwartete Kreditverluste in den vorhandenen </span></div><div class=\"ps24933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modellen neu berechnet wurden. Die Risikofaktoren und Post-Model-Adjustments sind, bis auf die Stage-1-Simulationen, in allen </span></div><div class=\"ps24934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien in vollem Umfang inkludiert und unterliegen keinen weiteren Anpassungen. Aufgrund der Komplexit\u00e4t des Modells </span></div><div class=\"ps24935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schlie\u00dfen sich viele Treiber nicht gegenseitig aus. </span></div><div class=\"ps24936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle zeigt einen Vergleich zwischen den ausgewiesenen kumulierten Wertminderungen f\u00fcr erwartete <span class=\"f ps24\"> </span></span></div><div class=\"ps24937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 1 und Stage 2 (gewichtet mit 25 Prozent optimistischen, 50 Prozent Basis </span></div><div class=\"ps24938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 25 Prozent pessimistischen Szenarien) und den jeweils mit 100 Prozent gewichteten Szenarien. Optimistisches und </span></div><div class=\"ps24939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistisches Szenario stellen keine Extremf\u00e4lle aus dem Ergebnisraum der 25 Prozent optimistischsten und </span></div><div class=\"ps24940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistischsten Szenarien dar, sondern einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. Das bedeutet, dass sich diese </span></div><div class=\"ps24941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien auf der Verteilungskurve um circa 25 Prozent respektive 75 Prozent befinden. Grunds\u00e4tzlich werden bei den IFRS-9-</span></div><div class=\"ps24942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifischen Sch\u00e4tzungen der Risikoparameter neben historischen Ausfallinformationen sowie das aktuelle wirtschaftliche </span></div><div class=\"ps24943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umfeld ber\u00fccksichtigt. Die Auswirkungen der Sch\u00e4tzungen aufgrund von makro\u00f6konomischen Prognosen werden in der </span></div><div class=\"ps24944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunftsbezogenen Komponente dargestellt. Die Informationen dienen der Veranschaulichung.</span></div><div class=\"ps24973 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24951\">904<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24955\">-90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24957\">954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24960\">-39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24962\">1.080<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24965\">87<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24967\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24969\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24971\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24975\">972<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24977\">-61<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24978\">1.056<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24979\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24980\">1.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24981\">135<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24982\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24983\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24984\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Insgesamt sind die makro\u00f6konomischen Szenarien im Moment besser als der langj\u00e4hrige Durchschnitt, was zu einer Reduktion </span></span></div><div class=\"ps24986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der zukunftsbezogenen Komponente um \u20ac 18 Millionen f\u00fchrt.</span></span></div><div class=\"ps24987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das positive Szenario, welches in der unten folgenden Tabelle dargestellt wird, folgt der Pr\u00e4misse, dass alle Forderungen als </span></div><div class=\"ps24988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 1 klassifiziert werden und alle makro\u00f6konomischen und geopolitischen Risiken nicht relevant sind.</span></div><div class=\"ps24989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anbei werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle Verm\u00f6genswerte unter </span></div><div class=\"ps24990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der erwarteten Zw\u00f6lf-Monats-Verluste bewertet </span></div><div class=\"ps24991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden (Stage 1), ausgewiesen.</span></div><div class=\"ps25006 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:264.75pt\"></td><td style=\"padding:0;width:88.5pt\"></td><td style=\"padding:0;width:88.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24993 ss793\"><div><div class=\"ps3137 ss787\"><span class=\"f charStyle-1dbd4d87 ps24992\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24995 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24994\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15644 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24996\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24998 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps24997\">514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15646 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps24999\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25001 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25000\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15650 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25002\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2 aufgrund von Staging<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25004 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25003\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15652 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25005\">490<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung des Negativ-Szenarios geht davon aus, dass alle Forderungen als Stufe 2 eingestuft werden. Folglich werden </span></div><div class=\"ps25008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">alle makro\u00f6konomischen und geopolitischen Risiken in dieser Analyse ber\u00fccksichtigt.</span></div><div class=\"ps25009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der folgenden Tabelle werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle </span></div><div class=\"ps25010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte unter der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der gesamten Restlaufzeit </span></div><div class=\"ps25011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden (Stage 2), ausgewiesen.</span></div><div class=\"ps25025 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps10760\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25014\">2.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25015\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25017\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25019\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25021\">1.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25023\">658<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt einen Vergleich zwischen der ausgewiesenen kumulierten Wertminderung f\u00fcr erwartete </span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 3 und dem pessimistischen Szenario gewichtet mit 100 Prozent. Das </span></div><div class=\"ps25026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistische Szenario stellt keinen Extremfall aus dem Ergebnisraum der 25 Prozent pessimistischsten Szenarien dar, sondern </span></div><div class=\"ps25027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. </span></div><div class=\"ps25033 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps13427\">Kumulierte Wertminderungen (Stage 3)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Pessimistisches Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25028\">1.801<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25029\">2.193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25030\">1.480<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25013\">1.909<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung der Wertminderungen im pessimistischen Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25031\">321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25032\">284<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verm\u00f6genswerte<span id=\"ifb6970ca593b4ec49e85f23ea9c80166\"></span></span></div><div class=\"ps25035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Schuldverschreibungen werden teilweise oder vollst\u00e4ndig ausgebucht, wenn keine Zahlungen bzw. R\u00fcckfl\u00fcsse mehr </span></div><div class=\"ps25036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet werden. Dies geschieht, wenn der Kreditnehmer keine Einnahmen aus dem operativen Gesch\u00e4ft mehr erzielt und die </span></div><div class=\"ps25037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheiten keine ausreichenden Cash-Flows generieren k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in Insolvenz werden </span></div><div class=\"ps25038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten wertgemindert, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr erzielt. Im Retail-Gesch\u00e4ft werden qualitative Faktoren ber\u00fccksichtigt. In F\u00e4llen, in denen seit einem Jahr keine Zahlung </span></div><div class=\"ps25040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleistet wurde, werden hier die ausstehenden Betr\u00e4ge ausgebucht, wobei ausgebuchte Forderungen weiter Gegenstand von </span></div><div class=\"ps25041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeiten sein k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in sogenannten Gone-Concern-F\u00e4llen werden </span></div><div class=\"ps25042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten abgeschrieben, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr generiert. Die ausstehenden Bruttoforderungen aus finanziellen Verm\u00f6genswerten, die noch Gegenstand der </span></div><div class=\"ps4860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeit sind, betrugen \u20ac 1.401 Millionen (Vorjahr: \u20ac 1.297 Millionen).</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verbindlichkeiten<span id=\"ia81b6a74840c431cb8919670a599f432\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern bucht eine finanzielle Verbindlichkeit aus, wenn seine Verpflichtungen beglichen, aufgehoben oder ausgelaufen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Der Ertrag oder Aufwand aus dem R\u00fcckkauf von eigenen Verbindlichkeiten wird unter Punkt (6) Sonstiges betriebliches </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis dargestellt. Auch der R\u00fcckerwerb eigener Schuldtitel f\u00e4llt unter die Ausbuchung finanzieller Verpflichtungen. </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetr\u00e4ge beim R\u00fcckkauf zwischen dem Buchwert der Verpflichtung (einschlie\u00dflich Agios und Disagios) und dem </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaufpreis werden erfolgswirksam im sonstigen betrieblichen Ergebnis erfasst, sofern es sich nicht um eine zum Fair Value </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designierte Verbindlichkeit handelt. Bezieht sich der R\u00fcckkauf auf finanzielle Verbindlichkeiten, die unter Anwendung der Fair-</span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value-Option bilanziert wurden, so bleiben jene Fair-Value-\u00c4nderungen, die aus einer Verschlechterung der eigenen Bonit\u00e4t </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(und damit einer Ver\u00e4nderung des Ausfallrisikos der finanziellen Verbindlichkeit) herr\u00fchren, erfolgsneutral erfasst und werden </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Gewinn oder Verlust umgegliedert.</span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt den Betrag des Bruttobuchwerts und der Wertminderungen jener finanziellen Verm\u00f6genswerte \u2013 </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Amortized Cost und finanziellen Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income, die sich in der </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperiode von erwarteten Zw\u00f6lf-Monats-Verlusten (Stage 1) hin zu erwarteten Verlusten \u00fcber die Restlaufzeit (Stage 2 </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 3) oder umgekehrt bewegt haben:</span></div><div class=\"ps25140 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1379\"><div><div class=\"ps3137 ss1378\"><span class=\"f charStyle-1dbd4d87 ps1642\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1382\"><div><div class=\"ps5426 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25057\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25058\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps50 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps17263\">-6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps118\">6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps14999\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps25062\"></span><span class=\"ps25062\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17204\"></span><span class=\"ps17204\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21542\">-60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17889\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25069 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps23943\">-139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18513\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25074 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps22204\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25075\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25080 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25081\">-257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25082\">257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20183\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25085\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25087\"></span><span class=\"ps25087\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25089 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17773\"></span><span class=\"ps17773\">7,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25090\">-3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps307\">3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18478\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22537\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25095 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19579\"></span><span class=\"ps19579\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10787\">2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps1069\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25100 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13350\"></span><span class=\"ps13350\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps10643\">6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9442\">-6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25102\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps15881\">-258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20085\"></span><span class=\"ps20085\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25106 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13308\"></span><span class=\"ps13308\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25110\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25112\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19957\"></span><span class=\"ps19957\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25117 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1619\"></span><span class=\"ps1619\">10,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25118\">295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps113\">-295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25122 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1623\"></span><span class=\"ps1623\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20293\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17770\">-589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25124\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25128 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps4126\">2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10120\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20118\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps458\">-171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25132 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17706\"></span><span class=\"ps17706\">7,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17906\">3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9386\">-3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20843\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25136\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25139 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der Wertminderungen aus der Bewegung von erwarteten Zw\u00f6lf-Monats-Kreditverlusten zu Lifetime betrug \u20ac 287 </span></div><div class=\"ps25142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (Vorjahr: \u20ac 333 Millionen). Der R\u00fcckgang der Wertminderungen aus der Bewegung von Lifetime zu erwarteten Zw\u00f6lf-</span></div><div class=\"ps25143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monats-Kreditverlusten betrug \u20ac 237 Millionen (Vorjahr: \u20ac 169 Millionen).</span></div><div class=\"ps25168 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12887\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25144 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22706\">-5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps13210\">5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps25145\">388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps18107\"></span><span class=\"ps18107\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25146 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25147 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20180\">-141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25148\">141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20216\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20193\"></span><span class=\"ps20193\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25149 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17912\"></span><span class=\"ps17912\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20347\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25150\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25151 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19633\"></span><span class=\"ps19633\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25152\">-497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20422\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20097\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25153 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19189\"></span><span class=\"ps19189\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps8920\">-3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6729\">3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25154\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17792\">207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20539\"></span><span class=\"ps20539\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25155 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18078\"></span><span class=\"ps18078\">6,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17402\">-1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps19535\">1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20259\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25156 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps111\"></span><span class=\"ps111\">8,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps21380\">5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9896\">-5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps20559\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps16883\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21626\"></span><span class=\"ps21626\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25157 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25158 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20138\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17722\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25159 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12631\"></span><span class=\"ps12631\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21545\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25160\">-214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25161 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17910\"></span><span class=\"ps17910\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20261\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17285\">-461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25162\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25163\"></span><span class=\"ps25163\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25164 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17911\"></span><span class=\"ps17911\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17784\">2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10500\">-2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25165\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22538\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21394\"></span><span class=\"ps21394\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25166 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11922\"></span><span class=\"ps11922\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18115\">3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9438\">-3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps806\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25167 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8448\"></span><span class=\"ps8448\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-481": {
   "value": "<div class=\"ps14123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitstest f\u00fcr at-equity bewertete Unternehmen<span id=\"id015c211482443d29a0861a6a905e596\"></span></span></div><div class=\"ps22995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am Ende jeder Berichtsperiode wird beurteilt, ob es Anzeichen gibt, dass der Buchwert einer Beteiligung h\u00f6her ist als ihr </span></div><div class=\"ps22996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielbarer Betrag. IAS 36 enth\u00e4lt eine Liste von externen und internen Indikatoren, die jedenfalls als Anzeichen f\u00fcr eine </span></div><div class=\"ps22997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung gelten. Wenn es einen Hinweis gibt, dass ein at-equity bewertetes Unternehmen wertgemindert sein k\u00f6nnte, </span></div><div class=\"ps22998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird der erzielbare Betrag des Verm\u00f6genswerts berechnet. F\u00fcr den Werthaltigkeitstest wurden f\u00fcr die wesentlichen Einheiten </span></div><div class=\"ps15428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Annahmen getroffen.</span></div><div class=\"ps23008 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:171.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps12527 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps22999\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7423 ss1300\"><div><div class=\"ps31 ss1299\"><span class=\"f charStyle-1dbd4d87 ps23000\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittelgenerierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23002 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23001\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23004 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23003\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6392\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12435 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps1492\">LLI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps23006\">OeKB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps6319\">UNIQA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Diskontierungszinss\u00e4tze (nach Steuern)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12532 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22598 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20494\"></span><span class=\"ps20494\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19576\"></span><span class=\"ps19576\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12440 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10630\"></span><span class=\"ps10630\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12441 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20524\"></span><span class=\"ps20524\">8,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12442 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20537\"></span><span class=\"ps20537\">9,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss890\"><div><div class=\"ps31 ss889\"><span class=\"f charStyle-375ad3a6 ps30\">Planungshorizont<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12540 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1907\"> 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22602 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12444 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12446 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps7044\">3 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12447 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23007\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1301\"><div><div class=\"ps16905 ss7\"><span class=\"f charStyle-2babd150 ps30\">LLI: Leipnik-Lundenburger Invest Beteiligungs AG, Wien (AT) - Durchschnittlicher Diskontierungszinssatz WACC<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss7\"><span class=\"f charStyle-2babd150 ps30\">OeKB: Oesterreichische Kontrollbank Aktiengesellschaft, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss7\"><span class=\"f charStyle-2babd150 ps30\">UNIQA: UNIQA Insurance Group AG, Wien (AT) - Durchschnittlicher Diskontierungszinsatz CoE<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Ergebnis wurde basierend auf den aktuellen Werthaltigkeitstests f\u00fcr den \u00fcberwiegenden Teil des Beteiligungsportfolios eine </span></div><div class=\"ps23010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertaufholung verzeichnet. Hierbei wirkte sich der fortschreitende Austausch niedrig verzinster Aktiva g\u00fcnstig auf die </span></div><div class=\"ps23011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragslage der Bankenbeteiligungen aus. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenfassung der wesentlichen Planungsannahmen und Beschreibung des Managementansatz zur Ermittlung der Werte:</span></div><div class=\"ps7104 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss509\"><div><div class=\"ps1485 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">generierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4802 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Kuze Beschreibung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4803 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche Annahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1824 ss509\"><div><div class=\"ps516 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Managementansatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Leipnik-Lundenburger Invest <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungs AG (LLI)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4804 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">In den beiden Kernbereichen </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Vermahlung von Getreide und Verkauf </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(hei\u00dfe und kalte) Getr\u00e4nke und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Lebensmittel aus Automaten sind die </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">LLI-Unternehmen Marktf\u00fchrer in </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich sowie in einigen EU-L\u00e4ndern </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">(Osteuropa und Deutschland).</span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Zus\u00e4tzlich zu den beiden Kernbereichen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erweisen sich die at-equity gehaltenen <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Beteiligungen als wesentliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertkomponenten.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4805 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planungsannahmen, welche vom </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Aufsichtsrat genehmigt wurden, </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">reflektieren die erwarteten </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rohstoffpreis- und <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostenentwicklungen, die sich auch in <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Absatzpreisen widerspiegeln.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4806 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Planung beinhaltet Ma\u00dfnahmen zur </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Begegnung der aktuellen und </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">erwarteten Marktentwicklungen. Diese </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">beinhalten neben Kosteneinsparungen </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und einer geeigneten Preisstrategie </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">weitere Spezialisierungen, die </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Optimierung mittels Digitalisierung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Entwicklung neuer Produkte.</span></div></div></div></td></tr><tr style=\"height:147pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Oesterreichische Kontrollbank <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiengesellschaft (OeKB)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23016 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die OeKB erf\u00fcllt zwei wesentliche </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Funktionen f\u00fcr die \u00f6sterreichische </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Exportindustrie und f\u00fcr den </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalmarkt. Als Export Credit Agency </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der Republik \u00d6sterreich stellt sie <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">staatlich garantierte Haftungen bereit </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">und refinanziert exportbezogene </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Investitionen und Auslandsgesch\u00e4fte </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcber das Exportfinanzierungsverfahren. <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Dar\u00fcber hinaus unterst\u00fctzt die OeKB </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">den Kapitalmarkt durch spezialisierte </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wertpapierdienstleitungen, die </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Abwicklung von Bundesanleihen-</span></div><div class=\"ps5465 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Auktionen sowie \u00fcber ihre <span class=\"f ps24\"> </span></span></div><div class=\"ps5466 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Tochtergesellschaften im Bereich </span></div><div class=\"ps15203 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Verwahrung und Clearing. Die </span></div><div class=\"ps23012 ss508\"><span class=\"f charStyle-6d404c82 ps30\">wesentlichen Beteiligungen sind die </span></div><div class=\"ps23013 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreichische Hotel- und Tourismus-</span></div><div class=\"ps23014 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bank (\u00d6HT) sowie die Oesterreichische </span></div><div class=\"ps23015 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entwicklungsbank (OeEB).</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23017 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Die Planungsannahmen ber\u00fccksichtigen <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">die Entwicklung des Volumens im </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Exportfinanzierungsverfahren und </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">wurden im Bewertungsansatz </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">\u00fcbernommen. Sie zeigen \u00fcber die </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Folgejahre eine stabile Entwicklung des <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditvolumens.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23018 ss1302\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz reflektiert die </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aktuellen externen Rahmenbeding-</span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ungen. Das Zinsniveau sowie </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Nachholeffekte bei zuvor </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aufgeschobenen Investitionen aufgrund <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">des inflation\u00e4ren Umfelds der <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">vergangenen Jahre wurden in den </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Planungsannahmen ber\u00fccksichtigt. Die </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">bestehenden Mandate der Republik </span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00d6sterreich bilden eine stabile Basis f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">die Gesch\u00e4ftst\u00e4tigkeit der OeKB, welche </span></div><div class=\"ps5421 ss508\"><span class=\"f charStyle-6d404c82 ps30\">durch die weiteren Services erg\u00e4nzt </span></div><div class=\"ps5422 ss508\"><span class=\"f charStyle-6d404c82 ps30\">werden.</span></div></div></div></td></tr><tr style=\"height:83.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6551 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">UNIQA Insurance Group AG (UNIQA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23019 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die UNIQA Insurance Gruppe AG ist einer </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">der f\u00fchrenden Versicherungskonzerne in <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">ihren Kernm\u00e4rkten \u00d6sterreich und CEE. </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Sie ist in 14 L\u00e4ndern vor Ort und </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">serviciert mehr als 17 Millionen Kunden. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Die Marken UNIQA und Raiffeisen </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherung sind zwei starke </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Versicherungsmarken in \u00d6sterreich und </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sind in den CEE-M\u00e4rkten gut <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">positioniert.</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23020 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">UNIQA plant eine Weiterverfolgung der </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">gesetzten langfristigen </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Rentabili\u00e4tsziele, trotz des steigenden </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Kostendrucks, durch die Setzung </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechender gegensteuernder </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Ma\u00dfnahmen. Zusammenfassend wird </span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">trotz des volatilen Umfelds die </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der langfristigen </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung und <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">entsprechend eine stabile langfristige </span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Renditeentwicklung angenommen. </span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23021 ss561\"><div><div class=\"ps264 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Der Managementansatz wurde im </span></div><div class=\"ps265 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Wesentlichen als Bewertungsansatz </span></div><div class=\"ps3019 ss508\"><span class=\"f charStyle-6d404c82 ps30\">\u00fcbernommen. Grundlage bildet die </span></div><div class=\"ps3704 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Weiterf\u00fchrung der gesetzten </span></div><div class=\"ps3750 ss508\"><span class=\"f charStyle-6d404c82 ps30\">strategischen Ausrichtung. </span></div><div class=\"ps3751 ss508\"><span class=\"f charStyle-6d404c82 ps30\">Entsprechend wird die Sicherstellung <span class=\"f ps24\"> </span></span></div><div class=\"ps5394 ss508\"><span class=\"f charStyle-6d404c82 ps30\">einer soliden Eigenkapitalverzinsung </span></div><div class=\"ps5395 ss508\"><span class=\"f charStyle-6d404c82 ps30\">sowie der starken Solvenzsituation </span></div><div class=\"ps5396 ss508\"><span class=\"f charStyle-6d404c82 ps30\">zugrunde gelegt. Dies bildet die Basis <span class=\"f ps24\"> </span></span></div><div class=\"ps5397 ss508\"><span class=\"f charStyle-6d404c82 ps30\">eines nachhaltigen Dividendenwachs-</span></div><div class=\"ps5420 ss508\"><span class=\"f charStyle-6d404c82 ps30\">tums und stabiler Dividendenrendite. </span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ic2225d95a1cc40a29ec0cca3679f9794\"></span></span></div><div class=\"ps23024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um zu untersuchen, wie sich eine Ver\u00e4nderung der zur Bestimmung der Kapitalkosten wesentlichen Parameter auf den Wert </span></div><div class=\"ps23025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Eigenkapitals auswirkt, wurden diese Parameter im Zuge der durchgef\u00fchrten Sensitivit\u00e4tsanalyse variiert. So k\u00f6nnen </span></div><div class=\"ps23026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4nderungen in der Bewertung dieser Gesellschaften zu einer Anpassung des Buchwerts f\u00fchren. Im Falle eines Abw\u00e4rtsszenarios </span></div><div class=\"ps23027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anstieg der Kapitalkosten um 50 Basispunkte) w\u00fcrde sich der Value in Use von Leipnik-Lundenburger Invest Beteiligungs AG, </span></div><div class=\"ps23028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Leasing Management GmbH, Prva stavebna sporitelna a.s., Oesterreichische Kontrollbank Aktiengesellschaft, </span></div><div class=\"ps23029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichische Hotel- und Tourismusbank GmbH und Posojilnica Bank eGen um weniger als 10 Prozent reduzieren, bei der </span></div><div class=\"ps23030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Informatik GmbH &amp; Co KG um rund 17 Prozent, und somit zu einer weiteren Buchwertabschreibung f\u00fchren. Von </span></div><div class=\"ps23031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Szenario nicht beeinflusst sind die UNIQA Insurance Group AG, Notartreuhandbank AG sowie die EMCOM Beteiligungs </span></div><div class=\"ps23032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">GmbH, hier w\u00fcrde ein weiterer Wertr\u00fcckgang zu keiner Buchwertabschreibung f\u00fchren, da der Value in Use noch immer \u00fcber </span></div><div class=\"ps23033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem anteiligen Eigenkapital liegen w\u00fcrde.</span></div><div class=\"ps23046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Voraussichtlich dauernde Wertminderungen werden erfolgswirksam erfasst und im Posten Wertminderungen auf </span></div><div class=\"ps23047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nichtfinanzielle Verm\u00f6genswerte dargestellt. Bei Wegfall der Wertminderungsgr\u00fcnde erfolgt eine Zuschreibung bis zu den </span></div><div class=\"ps23048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgeschriebenen Anschaffungskosten.</span></div><span class=\"f charStyle-9eccfdcb ps23059\">Voraussichtlich dauernde </span><div class=\"ps23061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen werden erfolgswirksam erfasst und im Posten Wertminderungen auf nichtfinanzielle Verm\u00f6genswerte </span></div><div class=\"ps23062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Bei Wegfall der Wertminderungsgr\u00fcnde erfolgt eine Zuschreibung bis zu den fortgeschriebenen </span></div><div class=\"ps23063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten.</span></div><div class=\"ps23081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte<span id=\"i9a2e44d5792f401683ee9f6d2752ee1e\"></span></span></div><div class=\"ps23082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Immaterielle Verm\u00f6genswerte, die im Rahmen eines Unternehmenszusammenschlusses erworben wurden, werden in der RBI </span></div><div class=\"ps23083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesondert vom Gesch\u00e4fts- oder Firmenwert erfasst und im Erwerbszeitpunkt mit ihrem beizulegenden Zeitwert bewertet. </span></div><div class=\"ps23084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenwerte und sonstige immaterielle Verm\u00f6genswerte ohne bestimmbare Nutzungsdauer werden an jedem Bilanzstichtag </span></div><div class=\"ps23085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf ihre Werthaltigkeit \u00fcberpr\u00fcft. Bei besonderen Ereignissen (Trigger Events) erfolgt auch unterj\u00e4hrig eine \u00dcberpr\u00fcfung der </span></div><div class=\"ps23086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werthaltigkeit. Sofern Umst\u00e4nde vorliegen, die den erwarteten Nutzen nicht mehr erkennen lassen, wird gem\u00e4\u00df IAS 36 eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorgenommen. Immaterielle Verm\u00f6genswerte mit einer bestimmbaren Nutzungsdauer werden \u00fcber den </span></div><div class=\"ps23088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum abgeschrieben, \u00fcber den dieser immaterielle Verm\u00f6genswert genutzt werden kann.</span></div><div class=\"ps23331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitspr\u00fcfung des Firmenwerts<span id=\"iebe7bb4e90ee46d6a69a7c56f4bf2948\"></span></span></div><div class=\"ps23332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden an jedem Bilanzstichtag auf Basis zahlungsmittelgenerierender Einheiten (Cash Generating Units; </span></div><div class=\"ps23333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CGU) auf ihren k\u00fcnftigen wirtschaftlichen Nutzen \u00fcberpr\u00fcft. Eine zahlungsmittelgenerierende Einheit wird vom Management </span></div><div class=\"ps23334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und ist als die kleinste identifizierbare Gruppe von Verm\u00f6genswerten eines Unternehmens definiert, die permanente </span></div><div class=\"ps23335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsmittelzufl\u00fcsse aus der laufenden Nutzung hervorbringt. In der RBI werden alle Segmente gem\u00e4\u00df </span></div><div class=\"ps23336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Segmentberichterstattung als zahlungsmittelgenerierende Einheiten bestimmt. Innerhalb der Segmente bilden rechtlich </span></div><div class=\"ps23337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst\u00e4ndige Einheiten zum Zweck der Wertminderungspr\u00fcfung der Firmenwerte jeweils eine eigene CGU. Dabei wird der </span></div><div class=\"ps23338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der jeweiligen Einheit (einschlie\u00dflich eines zugeordneten Gesch\u00e4fts- oder Firmenwerts) mit dem aus ihr erzielbaren </span></div><div class=\"ps23339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag verglichen. Dieser ist grunds\u00e4tzlich als der h\u00f6here Betrag aus beizulegendem Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Nutzungswert (Value in Use) definiert. Der Nutzungswert basiert auf den erwarteten potenziellen Dividenden, die mit einem </span></div><div class=\"ps23341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoad\u00e4quaten Zinssatz diskontiert werden. Die Sch\u00e4tzung der zuk\u00fcnftigen Ergebnisse erfordert eine Beurteilung der </span></div><div class=\"ps23342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bisherigen sowie der zuk\u00fcnftigen Performance, letztere unter Beachtung der voraussichtlichen Entwicklung der relevanten </span></div><div class=\"ps23343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkte und des gesamtwirtschaftlichen Umfelds.</span></div><div class=\"ps23344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Impairment-Tests der Firmenwerte auf Basis der zahlungsmittelgenerierenden Einheiten beruhen auf einer vom jeweiligen </span></div><div class=\"ps23345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management erstellten und von den zust\u00e4ndigen Organen genehmigten Mehrjahresplanung. Darin wird die mittelfristige </span></div><div class=\"ps23346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsperspektive der CGU unter Ber\u00fccksichtigung der Gesch\u00e4ftsstrategie, der gesamtwirtschaftlichen Rahmenbedingungen </span></div><div class=\"ps23347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bruttoinlandsprodukt, Inflationserwartungen etc.) sowie der jeweiligen Marktverh\u00e4ltnisse abgebildet. Im Anschluss daran </span></div><div class=\"ps23348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt eine Verstetigung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. Die Diskontierung der </span></div><div class=\"ps23349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertungsrelevanten Ertr\u00e4ge, das sind die potenziellen Dividenden, erfolgt mit risikoadaptierten und l\u00e4nderspezifisch </span></div><div class=\"ps23350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Eigenkapitalkostens\u00e4tzen. Diese wurden in Anlehnung an das Capital-Asset-Pricing-Modell ermittelt. Die </span></div><div class=\"ps23351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen Zinssatzparameter (risikoloser Zinssatz, Inflationsdifferenz, Marktrisikopr\u00e4mie, l\u00e4nderspezifische Risiken und Beta-</span></div><div class=\"ps23352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren) wurden mithilfe externer Informationsquellen festgelegt. Der gesamte Planungshorizont wird in drei Phasen </span></div><div class=\"ps23353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgeteilt, wobei sich die Phase I auf den Planungszeitraum des Managements von drei Jahren erstreckt. In der Phase II, die </span></div><div class=\"ps23354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere zwei Jahre umfasst, wird die Detailplanung unter Beachtung von gesamtwirtschaftlichen Plandaten extrapoliert. In der </span></div><div class=\"ps23355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Phase III erfolgt die Verstetigung der Ertragserwartung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. </span></div><div class=\"ps23356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden Firmenwerte auch unterj\u00e4hrig auf Werthaltigkeit \u00fcberpr\u00fcft, falls ein Wertminderungsgrund vorliegt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-483": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(25) Sachanlagen und immaterielle Verm\u00f6genswerte<span id=\"i937dea460e6541c5be7c44be81686243\"></span></span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sachanlagen<span id=\"if12b25a3eced4b8bb2241985b4db307a\"></span></span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die unter den Sachanlagen ausgewiesenen Grundst\u00fccke und Geb\u00e4ude sowie Betriebs- und Gesch\u00e4ftsausstattung werden mit </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Anschaffungs- bzw. Herstellungskosten, vermindert um planm\u00e4\u00dfige Abschreibungen, angesetzt. Die Abschreibungen </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im Posten Verwaltungsaufwendungen erfasst. Den linearen Abschreibungen werden folgende betriebsgew\u00f6hnliche </span></div><div class=\"ps23038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauern zugrunde gelegt.</span></div><div class=\"ps23042 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:379.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsgew\u00f6hnliche Nutzungsdauer <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18382\">Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps16750 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps17577\">25 \u2013 50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">B\u00fcro- und Gesch\u00e4ftsausstattung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23039\">5 \u2013 10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">Hardware<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps1156\">3 \u2013 7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23040\">2 \u2013 35<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundst\u00fccke werden nicht planm\u00e4\u00dfig abgeschrieben. </span></div><div class=\"ps23044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erwarteten Nutzungsdauern, Restwerte und Abschreibungsmethoden werden j\u00e4hrlich \u00fcberpr\u00fcft. Dabei flie\u00dfen alle <span class=\"f ps24\"> </span></span></div><div class=\"ps23045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">notwendigen Sch\u00e4tzungs\u00e4nderungen prospektiv ein.</span></div><div class=\"ps23046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Voraussichtlich dauernde Wertminderungen werden erfolgswirksam erfasst und im Posten Wertminderungen auf </span></div><div class=\"ps23047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nichtfinanzielle Verm\u00f6genswerte dargestellt. Bei Wegfall der Wertminderungsgr\u00fcnde erfolgt eine Zuschreibung bis zu den </span></div><div class=\"ps23048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgeschriebenen Anschaffungskosten.</span></div><div class=\"ps23049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Sachanlage wird bei Abgang oder dann, wenn kein zuk\u00fcnftiger wirtschaftlicher Nutzen aus der fortgesetzten Nutzung des </span></div><div class=\"ps23050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts erwartet wird, ausgebucht. Der sich aus dem Verkauf oder der Stilllegung einer Sachanlage ergebende </span></div><div class=\"ps23051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn oder Verlust bestimmt sich als Differenz zwischen dem Ver\u00e4u\u00dferungserl\u00f6s und dem Buchwert des Verm\u00f6genswerts </span></div><div class=\"ps23052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und wird erfolgswirksam im sonstigen betrieblichen Ergebnis erfasst.</span></div><div class=\"ps23053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Als Finanzinvestition gehaltene Immobilien <span class=\"f ps24\"> </span><span id=\"i3fd8745106da418486ffc9d1eaccb324\"></span></span></div><div class=\"ps23054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als solche bezeichnet man Immobilien, die zur Erzielung von Mieteinnahmen und/oder zum Zweck der Wertsteigerung gehalten </span></div><div class=\"ps23055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Die als Finanzinvestition gehaltenen Grundst\u00fccke und Geb\u00e4ude werden entsprechend der nach IAS 40 zul\u00e4ssigen Cost </span></div><div class=\"ps23056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Method mit den fortgeschriebenen Anschaffungskosten bewertet und aufgrund untergeordneter Bedeutung in den </span></div><div class=\"ps23057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachanlagen ausgewiesen. Die lineare Abschreibung erfolgt auf Basis der Nutzungsdauer. Die betriebsgew\u00f6hnliche <span class=\"f ps24\"> </span></span></div><div class=\"ps23058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer von als Finanzinvestition gehaltenen Immobilien ist ident mit jener von Geb\u00e4uden, die unter den Sachanlagen </span></div><div class=\"ps23060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bilanziert werden. Die Abschreibungen werden im Posten Verwaltungsaufwendungen erfasst. </span><span class=\"f charStyle-9eccfdcb ps23059\">Voraussichtlich dauernde </span></div><div class=\"ps23061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen werden erfolgswirksam erfasst und im Posten Wertminderungen auf nichtfinanzielle Verm\u00f6genswerte </span></div><div class=\"ps23062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Bei Wegfall der Wertminderungsgr\u00fcnde erfolgt eine Zuschreibung bis zu den fortgeschriebenen </span></div><div class=\"ps23063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten.</span></div><div class=\"ps23064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine als Finanzinvestition gehaltene Immobilie wird bei Abgang oder dann, wenn sie dauerhaft nicht mehr genutzt werden soll </span></div><div class=\"ps23065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und ein zuk\u00fcnftiger wirtschaftlicher Nutzen aus dem Abgang nicht mehr erwartet wird, ausgebucht. Der sich aus dem Abgang </span></div><div class=\"ps23066 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ergebende Gewinn oder Verlust bestimmt sich als Differenz zwischen dem Nettover\u00e4u\u00dferungserl\u00f6s und dem Buchwert des </span></div><div class=\"ps23068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts und wird in der Periode des Abgangs im sonstigen betrieblichen Ergebnis erfasst.</span><span class=\"f charStyle-9eccfdcb ps23067\"> </span></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Darstellung der Sachanlagen und immateriellen Verm\u00f6genswerte<span id=\"ic2767e16deb34873ab367f868063cc46\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23103\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23104\">484<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">470<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1180\">370<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23105\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21974\">385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">378<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23106\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18451\">1.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23107\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps808\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20247\">2.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20515\">2.686<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Marktwert der als Finanzinvestition gehaltenen Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21548\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps11235\">540<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23214 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:136.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23110 ss1306\"><div><div class=\"ps31 ss1305\"><span class=\"f charStyle-1dbd4d87 ps23109\">Anschaffungs-/Herstellungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1307\"><div><div class=\"ps5427 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23111 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps30\">Stand 1.1.2025</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5081 ss818\"><div><div class=\"ps5430 ss812\"><span class=\"f charStyle-1dbd4d87 ps23112\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23113\">Konsolidie-</span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23114\">rungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23115\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps3832\">differenzen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23118 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23117\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23120 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23119\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23121 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps10115\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps2009\">buchungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps15645 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-3e64e966 ps1111\">Stand </span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps11277\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23123 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23122\">3.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23124 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10879\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23125 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6729\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23126 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1681\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23127 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12739\">-212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23128 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23129 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12815\">3.657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23130 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18634\">938<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23131 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23132 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23133 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23134 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps422\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23135 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23136 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps84\">987<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1308\"><div><div class=\"ps1485 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23137 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23138 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23139 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23140 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1716\">171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23141 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps208\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23142 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12862 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps16866\">1.058<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23143 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps189\">555<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23144 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10879\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23145 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23146 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17204\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23147 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7199\">512<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23148 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8527\">236<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23149 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23150 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23151 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13098\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23152 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19478\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23153 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9386\">288<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23154 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9387\">740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23155 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23156 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23157 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11082\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23158 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19478\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23159 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12896 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23160\">813<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23161 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11932\">3.248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23163 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps100\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23164 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9438\">375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23165 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19576\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23166 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11005\">3.583<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23167 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17977\">2.679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23168 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23169 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12583\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8704\">365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10359\">-107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23171 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23172 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21218\">2.998<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23173 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps191\">425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23174 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23175 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23176 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23177 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23178 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23179 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8540\">442<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23180 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23181 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23182 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23183 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23184 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23185 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23186 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23187 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23188 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23189 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23190 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23191 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23192 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23193 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23194 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17763\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23195 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23196 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17129\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23197 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23198 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23200 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23199\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23201 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12625\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23202 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23203 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22541\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23204 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps422\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23205 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23206 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13098\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23207 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps18453\">6.689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23208 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11032\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23209 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10112\">160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23210 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">759<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23211 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10744\">-333<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23212 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23213 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps20532\">7.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23268 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23216\">Stand 31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">-1.929<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21506\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-243<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18434\">-502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20159\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19205\">484<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17886\">-688<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12533\">370<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20024\">-176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18459\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20180\">336<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23232\">-127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23235\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">-435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">378<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23242\">-2.476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23238\">-270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17518\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-1.987<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17390\">-256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">1.011<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10735\">-404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22116\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18456\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">-4.404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18444\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23267\">-513<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17450\">2.836<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:136.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23110 ss1306\"><div><div class=\"ps31 ss1305\"><span class=\"f charStyle-1dbd4d87 ps23109\">Anschaffungs-/Herstellungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1307\"><div><div class=\"ps5427 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23111 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps30\">Stand 1.1.2024</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5081 ss818\"><div><div class=\"ps5430 ss812\"><span class=\"f charStyle-1dbd4d87 ps23112\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23113\">Konsolidie-</span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23114\">rungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23115\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps3832\">differenzen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23118 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23117\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23120 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23119\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23121 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps10115\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps2009\">buchungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15645 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-3e64e966 ps1111\">Stand </span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps547\">31.12.2024</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23123 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11561\">3.402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23124 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11032\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23125 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13131\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23126 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps21770\">374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23127 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1524\">-225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23128 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23129 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23122\">3.441<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23130 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1536\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23131 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23132 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8696\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23133 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23134 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23270\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23135 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23136 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18634\">938<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1308\"><div><div class=\"ps1485 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23137 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18609\">1.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23138 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps13131\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23139 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps6458\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23140 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1445\">180<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23141 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1591\">-133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23142 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12862 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">973<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23143 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22929\">571<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23144 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6515\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23145 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23146 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23147 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps189\">555<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23148 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps80\">220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23149 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23150 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23151 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23152 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6515\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23153 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8527\">236<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23154 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10119\">674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23155 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23156 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23157 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23158 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23160\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23159 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12896 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9387\">740<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23161 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23271\">3.114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps411\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23163 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23272\">-73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23164 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10879\">351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23165 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps161\">-93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23166 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11932\">3.248<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23167 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9587\">2.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23168 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13217\">-48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23169 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7174\">-58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1540\">339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15156\">-80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23171 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23172 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17977\">2.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23173 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21770\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23174 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23175 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps295\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23176 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23177 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23178 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23179 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps191\">425<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23180 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23181 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23182 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23183 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23184 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23185 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23186 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23187 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7173\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23188 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23189 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23190 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23191 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23192 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23193 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23194 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23195 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23196 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23197 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23198 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23200 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17763\">67<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23201 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15014\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23202 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23203 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23204 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15656\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23205 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23206 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12625\">52<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23207 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps8905\">6.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23208 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps15658\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23209 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23006\">-147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23210 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps169\">725<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23211 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6002\">-319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23212 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23213 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps18453\">6.689<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23284 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps6234\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23273\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23274\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23275\">Wertminderungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23276\">Stand 31.12.2024</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20171\">-1.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4152\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23277\">470<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20161\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18731\">-169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23278\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23279\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20227\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18401\">-2.246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22193\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23280\">-1.788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3128\">-231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23281\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23282\">-4.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23283\">2.686<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-484": {
   "value": "<div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sachanlagen<span id=\"if12b25a3eced4b8bb2241985b4db307a\"></span></span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die unter den Sachanlagen ausgewiesenen Grundst\u00fccke und Geb\u00e4ude sowie Betriebs- und Gesch\u00e4ftsausstattung werden mit </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Anschaffungs- bzw. Herstellungskosten, vermindert um planm\u00e4\u00dfige Abschreibungen, angesetzt. Die Abschreibungen </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im Posten Verwaltungsaufwendungen erfasst. Den linearen Abschreibungen werden folgende betriebsgew\u00f6hnliche </span></div><div class=\"ps23038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauern zugrunde gelegt.</span></div><div class=\"ps23042 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:379.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsgew\u00f6hnliche Nutzungsdauer <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18382\">Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps16750 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps17577\">25 \u2013 50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">B\u00fcro- und Gesch\u00e4ftsausstattung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23039\">5 \u2013 10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">Hardware<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps1156\">3 \u2013 7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23040\">2 \u2013 35<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundst\u00fccke werden nicht planm\u00e4\u00dfig abgeschrieben. </span></div><div class=\"ps23044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erwarteten Nutzungsdauern, Restwerte und Abschreibungsmethoden werden j\u00e4hrlich \u00fcberpr\u00fcft. Dabei flie\u00dfen alle <span class=\"f ps24\"> </span></span></div><div class=\"ps23045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">notwendigen Sch\u00e4tzungs\u00e4nderungen prospektiv ein.</span></div><div class=\"ps23046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Voraussichtlich dauernde Wertminderungen werden erfolgswirksam erfasst und im Posten Wertminderungen auf </span></div><div class=\"ps23047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nichtfinanzielle Verm\u00f6genswerte dargestellt. Bei Wegfall der Wertminderungsgr\u00fcnde erfolgt eine Zuschreibung bis zu den </span></div><div class=\"ps23048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgeschriebenen Anschaffungskosten.</span></div><div class=\"ps23049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Sachanlage wird bei Abgang oder dann, wenn kein zuk\u00fcnftiger wirtschaftlicher Nutzen aus der fortgesetzten Nutzung des </span></div><div class=\"ps23050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts erwartet wird, ausgebucht. Der sich aus dem Verkauf oder der Stilllegung einer Sachanlage ergebende </span></div><div class=\"ps23051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn oder Verlust bestimmt sich als Differenz zwischen dem Ver\u00e4u\u00dferungserl\u00f6s und dem Buchwert des Verm\u00f6genswerts </span></div><div class=\"ps23052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und wird erfolgswirksam im sonstigen betrieblichen Ergebnis erfasst.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-485": {
   "value": "<div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die unter den Sachanlagen ausgewiesenen Grundst\u00fccke und Geb\u00e4ude sowie Betriebs- und Gesch\u00e4ftsausstattung werden mit </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Anschaffungs- bzw. Herstellungskosten, vermindert um planm\u00e4\u00dfige Abschreibungen, angesetzt. Die Abschreibungen </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im Posten Verwaltungsaufwendungen erfasst. Den linearen Abschreibungen werden folgende betriebsgew\u00f6hnliche </span></div><div class=\"ps23038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauern zugrunde gelegt.</span></div><div class=\"ps23042 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:379.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-1dbd4d87 ps30\">Betriebsgew\u00f6hnliche Nutzungsdauer <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18382\">Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps16750 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps17577\">25 \u2013 50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">B\u00fcro- und Gesch\u00e4ftsausstattung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23039\">5 \u2013 10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">Hardware<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps1156\">3 \u2013 7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1304\"><div><div class=\"ps31 ss1303\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23040\">2 \u2013 35<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundst\u00fccke werden nicht planm\u00e4\u00dfig abgeschrieben. </span></div><div class=\"ps23044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erwarteten Nutzungsdauern, Restwerte und Abschreibungsmethoden werden j\u00e4hrlich \u00fcberpr\u00fcft. Dabei flie\u00dfen alle <span class=\"f ps24\"> </span></span></div><div class=\"ps23045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">notwendigen Sch\u00e4tzungs\u00e4nderungen prospektiv ein.</span></div><div class=\"ps23078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktivierte Entwicklungskosten werden im Konzern in der Regel \u00fcber eine Nutzungsdauer von f\u00fcnf Jahren linear abgeschrieben. </span></div><div class=\"ps23079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die betriebsgew\u00f6hnliche Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten </span></div><div class=\"ps23080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann sich die betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken.</span></div><div class=\"ps23081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte<span id=\"i9a2e44d5792f401683ee9f6d2752ee1e\"></span></span></div><div class=\"ps23082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Immaterielle Verm\u00f6genswerte, die im Rahmen eines Unternehmenszusammenschlusses erworben wurden, werden in der RBI </span></div><div class=\"ps23083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesondert vom Gesch\u00e4fts- oder Firmenwert erfasst und im Erwerbszeitpunkt mit ihrem beizulegenden Zeitwert bewertet. </span></div><div class=\"ps23084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenwerte und sonstige immaterielle Verm\u00f6genswerte ohne bestimmbare Nutzungsdauer werden an jedem Bilanzstichtag </span></div><div class=\"ps23085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf ihre Werthaltigkeit \u00fcberpr\u00fcft. Bei besonderen Ereignissen (Trigger Events) erfolgt auch unterj\u00e4hrig eine \u00dcberpr\u00fcfung der </span></div><div class=\"ps23086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werthaltigkeit. Sofern Umst\u00e4nde vorliegen, die den erwarteten Nutzen nicht mehr erkennen lassen, wird gem\u00e4\u00df IAS 36 eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorgenommen. Immaterielle Verm\u00f6genswerte mit einer bestimmbaren Nutzungsdauer werden \u00fcber den </span></div><div class=\"ps23088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum abgeschrieben, \u00fcber den dieser immaterielle Verm\u00f6genswert genutzt werden kann.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-487": {
   "value": "<div class=\"ps23053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Als Finanzinvestition gehaltene Immobilien <span class=\"f ps24\"> </span><span id=\"i3fd8745106da418486ffc9d1eaccb324\"></span></span></div><div class=\"ps23054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als solche bezeichnet man Immobilien, die zur Erzielung von Mieteinnahmen und/oder zum Zweck der Wertsteigerung gehalten </span></div><div class=\"ps23055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Die als Finanzinvestition gehaltenen Grundst\u00fccke und Geb\u00e4ude werden entsprechend der nach IAS 40 zul\u00e4ssigen Cost </span></div><div class=\"ps23056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Method mit den fortgeschriebenen Anschaffungskosten bewertet und aufgrund untergeordneter Bedeutung in den </span></div><div class=\"ps23057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachanlagen ausgewiesen. Die lineare Abschreibung erfolgt auf Basis der Nutzungsdauer. Die betriebsgew\u00f6hnliche <span class=\"f ps24\"> </span></span></div><div class=\"ps23058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer von als Finanzinvestition gehaltenen Immobilien ist ident mit jener von Geb\u00e4uden, die unter den Sachanlagen </span></div><div class=\"ps23060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bilanziert werden. Die Abschreibungen werden im Posten Verwaltungsaufwendungen erfasst. </span><span class=\"f charStyle-9eccfdcb ps23059\">Voraussichtlich dauernde </span></div><div class=\"ps23061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen werden erfolgswirksam erfasst und im Posten Wertminderungen auf nichtfinanzielle Verm\u00f6genswerte </span></div><div class=\"ps23062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Bei Wegfall der Wertminderungsgr\u00fcnde erfolgt eine Zuschreibung bis zu den fortgeschriebenen </span></div><div class=\"ps23063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten.</span></div><div class=\"ps23064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine als Finanzinvestition gehaltene Immobilie wird bei Abgang oder dann, wenn sie dauerhaft nicht mehr genutzt werden soll </span></div><div class=\"ps23065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und ein zuk\u00fcnftiger wirtschaftlicher Nutzen aus dem Abgang nicht mehr erwartet wird, ausgebucht. Der sich aus dem Abgang </span></div><div class=\"ps23066 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ergebende Gewinn oder Verlust bestimmt sich als Differenz zwischen dem Nettover\u00e4u\u00dferungserl\u00f6s und dem Buchwert des </span></div><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts und wird in der Periode des Abgangs im sonstigen betrieblichen Ergebnis erfasst.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-486": {
   "value": "<div class=\"ps23053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Als Finanzinvestition gehaltene Immobilien <span class=\"f ps24\"> </span><span id=\"i3fd8745106da418486ffc9d1eaccb324\"></span></span></div><div class=\"ps23054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als solche bezeichnet man Immobilien, die zur Erzielung von Mieteinnahmen und/oder zum Zweck der Wertsteigerung gehalten </span></div><div class=\"ps23055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Die als Finanzinvestition gehaltenen Grundst\u00fccke und Geb\u00e4ude werden entsprechend der nach IAS 40 zul\u00e4ssigen Cost </span></div><div class=\"ps23056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Method mit den fortgeschriebenen Anschaffungskosten bewertet und aufgrund untergeordneter Bedeutung in den </span></div><div class=\"ps23057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachanlagen ausgewiesen. Die lineare Abschreibung erfolgt auf Basis der Nutzungsdauer. Die betriebsgew\u00f6hnliche <span class=\"f ps24\"> </span></span></div><div class=\"ps23058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer von als Finanzinvestition gehaltenen Immobilien ist ident mit jener von Geb\u00e4uden, die unter den Sachanlagen </span></div><div class=\"ps23060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bilanziert werden. Die Abschreibungen werden im Posten Verwaltungsaufwendungen erfasst. </span><span class=\"f charStyle-9eccfdcb ps23059\">Voraussichtlich dauernde </span></div><div class=\"ps23061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen werden erfolgswirksam erfasst und im Posten Wertminderungen auf nichtfinanzielle Verm\u00f6genswerte </span></div><div class=\"ps23062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Bei Wegfall der Wertminderungsgr\u00fcnde erfolgt eine Zuschreibung bis zu den fortgeschriebenen </span></div><div class=\"ps23063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungskosten.</span></div><div class=\"ps23064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine als Finanzinvestition gehaltene Immobilie wird bei Abgang oder dann, wenn sie dauerhaft nicht mehr genutzt werden soll </span></div><div class=\"ps23065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und ein zuk\u00fcnftiger wirtschaftlicher Nutzen aus dem Abgang nicht mehr erwartet wird, ausgebucht. Der sich aus dem Abgang </span></div><div class=\"ps23066 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ergebende Gewinn oder Verlust bestimmt sich als Differenz zwischen dem Nettover\u00e4u\u00dferungserl\u00f6s und dem Buchwert des </span></div><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts und wird in der Periode des Abgangs im sonstigen betrieblichen Ergebnis erfasst.</span><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Darstellung der Sachanlagen und immateriellen Verm\u00f6genswerte<span id=\"ic2767e16deb34873ab367f868063cc46\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23103\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23104\">484<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">470<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1180\">370<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23105\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21974\">385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">378<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23106\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18451\">1.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23107\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps808\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20247\">2.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20515\">2.686<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Marktwert der als Finanzinvestition gehaltenen Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21548\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps11235\">540<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23214 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:136.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23110 ss1306\"><div><div class=\"ps31 ss1305\"><span class=\"f charStyle-1dbd4d87 ps23109\">Anschaffungs-/Herstellungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1307\"><div><div class=\"ps5427 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23111 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps30\">Stand 1.1.2025</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5081 ss818\"><div><div class=\"ps5430 ss812\"><span class=\"f charStyle-1dbd4d87 ps23112\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23113\">Konsolidie-</span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23114\">rungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23115\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps3832\">differenzen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23118 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23117\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23120 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23119\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23121 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps10115\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps2009\">buchungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps15645 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-3e64e966 ps1111\">Stand </span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps11277\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23123 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23122\">3.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23124 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10879\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23125 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6729\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23126 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1681\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23127 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12739\">-212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23128 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23129 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12815\">3.657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23130 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18634\">938<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23131 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23132 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23133 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23134 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps422\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23135 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23136 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps84\">987<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1308\"><div><div class=\"ps1485 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23137 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23138 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23139 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23140 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1716\">171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23141 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps208\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23142 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12862 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps16866\">1.058<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23143 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps189\">555<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23144 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10879\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23145 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23146 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17204\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23147 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7199\">512<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23148 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8527\">236<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23149 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23150 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23151 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13098\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23152 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19478\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23153 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9386\">288<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23154 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9387\">740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23155 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23156 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23157 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11082\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23158 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19478\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23159 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12896 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23160\">813<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23161 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11932\">3.248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23163 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps100\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23164 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9438\">375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23165 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19576\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23166 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11005\">3.583<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23167 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17977\">2.679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23168 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23169 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12583\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8704\">365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10359\">-107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23171 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23172 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21218\">2.998<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23173 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps191\">425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23174 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23175 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23176 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23177 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23178 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23179 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8540\">442<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23180 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23181 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23182 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23183 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23184 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23185 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23186 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23187 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23188 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23189 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23190 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23191 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23192 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23193 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23194 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17763\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23195 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23196 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17129\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23197 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23198 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23200 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23199\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23201 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12625\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23202 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23203 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22541\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23204 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps422\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23205 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23206 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13098\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23207 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps18453\">6.689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23208 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11032\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23209 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10112\">160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23210 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">759<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23211 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10744\">-333<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23212 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23213 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps20532\">7.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23268 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23216\">Stand 31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">-1.929<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21506\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-243<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18434\">-502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20159\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19205\">484<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17886\">-688<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12533\">370<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20024\">-176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18459\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20180\">336<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23232\">-127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23235\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">-435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">378<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23242\">-2.476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23238\">-270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17518\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-1.987<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17390\">-256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">1.011<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10735\">-404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22116\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18456\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">-4.404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18444\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23267\">-513<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17450\">2.836<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:136.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23110 ss1306\"><div><div class=\"ps31 ss1305\"><span class=\"f charStyle-1dbd4d87 ps23109\">Anschaffungs-/Herstellungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1307\"><div><div class=\"ps5427 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23111 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps30\">Stand 1.1.2024</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5081 ss818\"><div><div class=\"ps5430 ss812\"><span class=\"f charStyle-1dbd4d87 ps23112\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23113\">Konsolidie-</span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23114\">rungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23115\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps3832\">differenzen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23118 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23117\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23120 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23119\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23121 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps10115\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps2009\">buchungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15645 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-3e64e966 ps1111\">Stand </span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps547\">31.12.2024</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23123 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11561\">3.402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23124 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11032\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23125 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13131\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23126 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps21770\">374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23127 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1524\">-225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23128 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23129 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23122\">3.441<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23130 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1536\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23131 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23132 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8696\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23133 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23134 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23270\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23135 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23136 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18634\">938<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1308\"><div><div class=\"ps1485 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23137 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18609\">1.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23138 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps13131\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23139 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps6458\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23140 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1445\">180<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23141 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1591\">-133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23142 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12862 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">973<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23143 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22929\">571<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23144 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6515\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23145 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23146 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23147 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps189\">555<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23148 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps80\">220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23149 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23150 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23151 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23152 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6515\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23153 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8527\">236<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23154 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10119\">674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23155 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23156 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23157 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23158 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23160\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23159 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12896 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9387\">740<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23161 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23271\">3.114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps411\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23163 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23272\">-73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23164 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10879\">351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23165 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps161\">-93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23166 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11932\">3.248<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23167 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9587\">2.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23168 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13217\">-48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23169 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7174\">-58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1540\">339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15156\">-80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23171 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23172 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17977\">2.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23173 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21770\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23174 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23175 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps295\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23176 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23177 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23178 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23179 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps191\">425<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23180 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23181 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23182 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23183 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23184 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23185 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23186 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23187 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7173\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23188 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23189 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23190 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23191 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23192 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23193 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23194 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23195 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23196 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23197 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23198 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23200 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17763\">67<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23201 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15014\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23202 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23203 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23204 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15656\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23205 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23206 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12625\">52<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23207 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps8905\">6.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23208 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps15658\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23209 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23006\">-147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23210 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps169\">725<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23211 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6002\">-319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23212 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23213 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps18453\">6.689<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23284 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps6234\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23273\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23274\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23275\">Wertminderungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23276\">Stand 31.12.2024</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20171\">-1.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4152\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23277\">470<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20161\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18731\">-169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23278\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23279\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20227\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18401\">-2.246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22193\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23280\">-1.788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3128\">-231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23281\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23282\">-4.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23283\">2.686<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-491": {
   "value": "<div class=\"ps23069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Immaterielle Verm\u00f6genswerte<span id=\"i3002a5ee80a0491a8157f11294a04a77\"></span></span></div><div class=\"ps23070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Erworbene immaterielle Verm\u00f6genswerte <span id=\"ibf2be774733e4f4aac292951ba554657\"></span></span></div><div class=\"ps12109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Separat, d. h. nicht im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte mit einer </span></div><div class=\"ps12110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmbaren Nutzungsdauer werden in der RBI zu Anschaffungskosten abz\u00fcglich kumulierter Abschreibungen und </span></div><div class=\"ps12111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen erfasst. Die Abschreibungen werden linear \u00fcber die erwartete Nutzungsdauer aufwandswirksam erfasst. Die </span></div><div class=\"ps12112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Nutzungsdauer sowie die Abschreibungsmethode werden an jedem Abschlussstichtag \u00fcberpr\u00fcft und s\u00e4mtliche </span></div><div class=\"ps12113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sch\u00e4tzungs\u00e4nderungen prospektiv ber\u00fccksichtigt. Separat erworbene immaterielle Verm\u00f6genswerte mit einer unbestimmten </span></div><div class=\"ps12114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer werden zu Anschaffungskosten abz\u00fcglich kumulierter Wertminderungen erfasst. Die betriebsgew\u00f6hnliche </span></div><div class=\"ps12115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten kann sich die </span></div><div class=\"ps12116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken. </span></div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte \u2013 Forschungs- und Entwicklungskosten<span id=\"id5a2b2194d354eb1ae6d41e5446b60b8\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte umfassen ausschlie\u00dflich Software und werden aktiviert, wenn es wahrscheinlich </span></div><div class=\"ps3355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, dass der RBI daraus k\u00fcnftig ein wirtschaftlicher Nutzen entsteht, und die Herstellungskosten verl\u00e4sslich ermittelt werden </span></div><div class=\"ps3356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen. Kosten f\u00fcr Forschungsaktivit\u00e4ten werden in der Periode, in der sie anfallen, als Aufwand erfasst. </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein selbst erstellter immaterieller Verm\u00f6genswert, der sich aus der Entwicklungst\u00e4tigkeit oder aus der Entwicklungsphase eines </span></div><div class=\"ps5146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Projekts ergibt, wird dann bilanziert, wenn die folgenden Nachweise erbracht wurden: </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Fertigstellung des immateriellen Verm\u00f6genswerts ist technisch realisierbar, sodass er zur Nutzung oder zum </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verkauf zur Verf\u00fcgung stehen wird. </span></div><div class=\"ps23072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Es besteht die Absicht, den immateriellen Verm\u00f6genswert fertigzustellen sowie ihn zu nutzen oder zu verkaufen. </span></div><div class=\"ps23073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit, den immateriellen Verm\u00f6genswert zu nutzen oder zu verkaufen, ist gegeben. Der immaterielle </span></div><div class=\"ps3363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswert wird voraussichtlich einen k\u00fcnftigen wirtschaftlichen Nutzen erzielen. </span></div><div class=\"ps3364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verf\u00fcgbarkeit ad\u00e4quater technischer, finanzieller und sonstiger Ressourcen, um die Entwicklung abschlie\u00dfen und </span></div><div class=\"ps3365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">den immateriellen Verm\u00f6genswert nutzen oder verkaufen zu k\u00f6nnen, ist gegeben. </span></div><div class=\"ps3366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit zur verl\u00e4sslichen Bestimmung der im Rahmen der Entwicklung des immateriellen Verm\u00f6genswerts </span></div><div class=\"ps3367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zurechenbaren Aufwendungen ist gegeben. </span></div><div class=\"ps23074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Betrag, mit dem ein selbst erstellter immaterieller Verm\u00f6genswert erstmals aktiviert wird, ist die Summe der entstandenen </span></div><div class=\"ps23075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen von dem Tag an, an dem der immaterielle Verm\u00f6genswert die oben genannten Bedingungen erstmals erf\u00fcllt. </span></div><div class=\"ps23076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn ein selbst erstellter immaterieller Verm\u00f6genswert nicht aktiviert werden kann bzw. noch kein immaterieller </span></div><div class=\"ps23077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswert vorliegt, werden die Entwicklungskosten erfolgswirksam in der Periode erfasst, in der sie entstehen. </span></div><div class=\"ps23078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktivierte Entwicklungskosten werden im Konzern in der Regel \u00fcber eine Nutzungsdauer von f\u00fcnf Jahren linear abgeschrieben. </span></div><div class=\"ps23079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die betriebsgew\u00f6hnliche Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten </span></div><div class=\"ps23080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann sich die betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken.</span></div><div class=\"ps23081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte<span id=\"i9a2e44d5792f401683ee9f6d2752ee1e\"></span></span></div><div class=\"ps23082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Immaterielle Verm\u00f6genswerte, die im Rahmen eines Unternehmenszusammenschlusses erworben wurden, werden in der RBI </span></div><div class=\"ps23083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesondert vom Gesch\u00e4fts- oder Firmenwert erfasst und im Erwerbszeitpunkt mit ihrem beizulegenden Zeitwert bewertet. </span></div><div class=\"ps23084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenwerte und sonstige immaterielle Verm\u00f6genswerte ohne bestimmbare Nutzungsdauer werden an jedem Bilanzstichtag </span></div><div class=\"ps23085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf ihre Werthaltigkeit \u00fcberpr\u00fcft. Bei besonderen Ereignissen (Trigger Events) erfolgt auch unterj\u00e4hrig eine \u00dcberpr\u00fcfung der </span></div><div class=\"ps23086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werthaltigkeit. Sofern Umst\u00e4nde vorliegen, die den erwarteten Nutzen nicht mehr erkennen lassen, wird gem\u00e4\u00df IAS 36 eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorgenommen. Immaterielle Verm\u00f6genswerte mit einer bestimmbaren Nutzungsdauer werden \u00fcber den </span></div><div class=\"ps23088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum abgeschrieben, \u00fcber den dieser immaterielle Verm\u00f6genswert genutzt werden kann.</span></div><div class=\"ps23089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen des Konzerns verwenden zur Unterscheidung ihrer Dienstleistungen von jenen der Mitbewerber:innen </span></div><div class=\"ps23090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Warenzeichen (Marken). Gem\u00e4\u00df IFRS 3 werden Marken erworbener Unternehmen gesondert unter dem Bilanzposten </span></div><div class=\"ps23091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">immaterielle Verm\u00f6genswerte bilanziert. Es wurde eine unbegrenzte Nutzungsdauer angenommen, sodass keine planm\u00e4\u00dfige </span></div><div class=\"ps23092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschreibung erfolgt. Die Marken werden j\u00e4hrlich und zus\u00e4tzlich immer dann, wenn Indikatoren f\u00fcr eine Wertminderung </span></div><div class=\"ps23093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorliegen, auf Werthaltigkeit getestet.</span></div><div class=\"ps23094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene Kerneinlagen werden gem\u00e4\u00df IFRS 3 gesondert unter dem </span></div><div class=\"ps23095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten immaterielle Verm\u00f6genswerte ausgewiesen. Den Kerneinlagen wurde eine Nutzungsdauer von zehn Jahren zugrunde </span></div><div class=\"ps23096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gelegt. Die Kerneinlagen stellen den Barwert der Kosteneinsparungen dar, der sich aus der Differenz zwischen den Kosten der </span></div><div class=\"ps23097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kerneinlagen und den Kosten f\u00fcr einen gleichwertigen Betrag von Mitteln aus einer alternativen Marktquelle ergeben. Der </span></div><div class=\"ps23098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">immaterielle Wert der Kerneinlagen resultiert daraus, dass die Kerneinlagen eine kosteng\u00fcnstige, stabile Finanzierungsquelle </span></div><div class=\"ps23099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darstellen. F\u00fcr die Bewertung der Kerneinlagen wurde das Ertragswertverfahren (DCF-Methode) angewendet, indem die </span></div>prognostizierten Kosteneinsparungen mit den Kosten des Eigenkapital, diskontiert werden.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-490": {
   "value": "<div class=\"ps23069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Immaterielle Verm\u00f6genswerte<span id=\"i3002a5ee80a0491a8157f11294a04a77\"></span></span></div><div class=\"ps23070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Erworbene immaterielle Verm\u00f6genswerte <span id=\"ibf2be774733e4f4aac292951ba554657\"></span></span></div><div class=\"ps12109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Separat, d. h. nicht im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte mit einer </span></div><div class=\"ps12110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmbaren Nutzungsdauer werden in der RBI zu Anschaffungskosten abz\u00fcglich kumulierter Abschreibungen und </span></div><div class=\"ps12111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen erfasst. Die Abschreibungen werden linear \u00fcber die erwartete Nutzungsdauer aufwandswirksam erfasst. Die </span></div><div class=\"ps12112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Nutzungsdauer sowie die Abschreibungsmethode werden an jedem Abschlussstichtag \u00fcberpr\u00fcft und s\u00e4mtliche </span></div><div class=\"ps12113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sch\u00e4tzungs\u00e4nderungen prospektiv ber\u00fccksichtigt. Separat erworbene immaterielle Verm\u00f6genswerte mit einer unbestimmten </span></div><div class=\"ps12114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer werden zu Anschaffungskosten abz\u00fcglich kumulierter Wertminderungen erfasst. Die betriebsgew\u00f6hnliche </span></div><div class=\"ps12115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten kann sich die </span></div><div class=\"ps12116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken. </span></div><div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte \u2013 Forschungs- und Entwicklungskosten<span id=\"id5a2b2194d354eb1ae6d41e5446b60b8\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte umfassen ausschlie\u00dflich Software und werden aktiviert, wenn es wahrscheinlich </span></div><div class=\"ps3355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, dass der RBI daraus k\u00fcnftig ein wirtschaftlicher Nutzen entsteht, und die Herstellungskosten verl\u00e4sslich ermittelt werden </span></div><div class=\"ps3356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen. Kosten f\u00fcr Forschungsaktivit\u00e4ten werden in der Periode, in der sie anfallen, als Aufwand erfasst. </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein selbst erstellter immaterieller Verm\u00f6genswert, der sich aus der Entwicklungst\u00e4tigkeit oder aus der Entwicklungsphase eines </span></div><div class=\"ps5146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Projekts ergibt, wird dann bilanziert, wenn die folgenden Nachweise erbracht wurden: </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Fertigstellung des immateriellen Verm\u00f6genswerts ist technisch realisierbar, sodass er zur Nutzung oder zum </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verkauf zur Verf\u00fcgung stehen wird. </span></div><div class=\"ps23072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Es besteht die Absicht, den immateriellen Verm\u00f6genswert fertigzustellen sowie ihn zu nutzen oder zu verkaufen. </span></div><div class=\"ps23073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit, den immateriellen Verm\u00f6genswert zu nutzen oder zu verkaufen, ist gegeben. Der immaterielle </span></div><div class=\"ps3363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswert wird voraussichtlich einen k\u00fcnftigen wirtschaftlichen Nutzen erzielen. </span></div><div class=\"ps3364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verf\u00fcgbarkeit ad\u00e4quater technischer, finanzieller und sonstiger Ressourcen, um die Entwicklung abschlie\u00dfen und </span></div><div class=\"ps3365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">den immateriellen Verm\u00f6genswert nutzen oder verkaufen zu k\u00f6nnen, ist gegeben. </span></div><div class=\"ps3366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit zur verl\u00e4sslichen Bestimmung der im Rahmen der Entwicklung des immateriellen Verm\u00f6genswerts </span></div><div class=\"ps3367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zurechenbaren Aufwendungen ist gegeben. </span></div><div class=\"ps23074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Betrag, mit dem ein selbst erstellter immaterieller Verm\u00f6genswert erstmals aktiviert wird, ist die Summe der entstandenen </span></div><div class=\"ps23075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen von dem Tag an, an dem der immaterielle Verm\u00f6genswert die oben genannten Bedingungen erstmals erf\u00fcllt. </span></div><div class=\"ps23076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn ein selbst erstellter immaterieller Verm\u00f6genswert nicht aktiviert werden kann bzw. noch kein immaterieller </span></div><div class=\"ps23077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswert vorliegt, werden die Entwicklungskosten erfolgswirksam in der Periode erfasst, in der sie entstehen. </span></div><div class=\"ps23078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktivierte Entwicklungskosten werden im Konzern in der Regel \u00fcber eine Nutzungsdauer von f\u00fcnf Jahren linear abgeschrieben. </span></div><div class=\"ps23079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die betriebsgew\u00f6hnliche Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten </span></div><div class=\"ps23080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann sich die betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken.</span></div><div class=\"ps23081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte<span id=\"i9a2e44d5792f401683ee9f6d2752ee1e\"></span></span></div><div class=\"ps23082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Immaterielle Verm\u00f6genswerte, die im Rahmen eines Unternehmenszusammenschlusses erworben wurden, werden in der RBI </span></div><div class=\"ps23083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesondert vom Gesch\u00e4fts- oder Firmenwert erfasst und im Erwerbszeitpunkt mit ihrem beizulegenden Zeitwert bewertet. </span></div><div class=\"ps23084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenwerte und sonstige immaterielle Verm\u00f6genswerte ohne bestimmbare Nutzungsdauer werden an jedem Bilanzstichtag </span></div><div class=\"ps23085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf ihre Werthaltigkeit \u00fcberpr\u00fcft. Bei besonderen Ereignissen (Trigger Events) erfolgt auch unterj\u00e4hrig eine \u00dcberpr\u00fcfung der </span></div><div class=\"ps23086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werthaltigkeit. Sofern Umst\u00e4nde vorliegen, die den erwarteten Nutzen nicht mehr erkennen lassen, wird gem\u00e4\u00df IAS 36 eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorgenommen. Immaterielle Verm\u00f6genswerte mit einer bestimmbaren Nutzungsdauer werden \u00fcber den </span></div><div class=\"ps23088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum abgeschrieben, \u00fcber den dieser immaterielle Verm\u00f6genswert genutzt werden kann.</span></div><div class=\"ps23089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen des Konzerns verwenden zur Unterscheidung ihrer Dienstleistungen von jenen der Mitbewerber:innen </span></div><div class=\"ps23090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Warenzeichen (Marken). Gem\u00e4\u00df IFRS 3 werden Marken erworbener Unternehmen gesondert unter dem Bilanzposten </span></div><div class=\"ps23091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">immaterielle Verm\u00f6genswerte bilanziert. Es wurde eine unbegrenzte Nutzungsdauer angenommen, sodass keine planm\u00e4\u00dfige </span></div><div class=\"ps23092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschreibung erfolgt. Die Marken werden j\u00e4hrlich und zus\u00e4tzlich immer dann, wenn Indikatoren f\u00fcr eine Wertminderung </span></div><div class=\"ps23093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorliegen, auf Werthaltigkeit getestet.</span></div><div class=\"ps23094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene Kerneinlagen werden gem\u00e4\u00df IFRS 3 gesondert unter dem </span></div><div class=\"ps23095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten immaterielle Verm\u00f6genswerte ausgewiesen. Den Kerneinlagen wurde eine Nutzungsdauer von zehn Jahren zugrunde </span></div><div class=\"ps23096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gelegt. Die Kerneinlagen stellen den Barwert der Kosteneinsparungen dar, der sich aus der Differenz zwischen den Kosten der </span></div><div class=\"ps23097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kerneinlagen und den Kosten f\u00fcr einen gleichwertigen Betrag von Mitteln aus einer alternativen Marktquelle ergeben. Der </span></div><div class=\"ps23098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">immaterielle Wert der Kerneinlagen resultiert daraus, dass die Kerneinlagen eine kosteng\u00fcnstige, stabile Finanzierungsquelle </span></div><div class=\"ps23099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darstellen. F\u00fcr die Bewertung der Kerneinlagen wurde das Ertragswertverfahren (DCF-Methode) angewendet, indem die </span></div><div class=\"ps23100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten Kosteneinsparungen mit den Kosten des Eigenkapital, diskontiert werden. </span></div></div><div class=\"ps23331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitspr\u00fcfung des Firmenwerts<span id=\"iebe7bb4e90ee46d6a69a7c56f4bf2948\"></span></span></div><div class=\"ps23332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden an jedem Bilanzstichtag auf Basis zahlungsmittelgenerierender Einheiten (Cash Generating Units; </span></div><div class=\"ps23333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CGU) auf ihren k\u00fcnftigen wirtschaftlichen Nutzen \u00fcberpr\u00fcft. Eine zahlungsmittelgenerierende Einheit wird vom Management </span></div><div class=\"ps23334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und ist als die kleinste identifizierbare Gruppe von Verm\u00f6genswerten eines Unternehmens definiert, die permanente </span></div><div class=\"ps23335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsmittelzufl\u00fcsse aus der laufenden Nutzung hervorbringt. In der RBI werden alle Segmente gem\u00e4\u00df </span></div><div class=\"ps23336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Segmentberichterstattung als zahlungsmittelgenerierende Einheiten bestimmt. Innerhalb der Segmente bilden rechtlich </span></div><div class=\"ps23337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst\u00e4ndige Einheiten zum Zweck der Wertminderungspr\u00fcfung der Firmenwerte jeweils eine eigene CGU. Dabei wird der </span></div><div class=\"ps23338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der jeweiligen Einheit (einschlie\u00dflich eines zugeordneten Gesch\u00e4fts- oder Firmenwerts) mit dem aus ihr erzielbaren </span></div><div class=\"ps23339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag verglichen. Dieser ist grunds\u00e4tzlich als der h\u00f6here Betrag aus beizulegendem Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Nutzungswert (Value in Use) definiert. Der Nutzungswert basiert auf den erwarteten potenziellen Dividenden, die mit einem </span></div><div class=\"ps23341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoad\u00e4quaten Zinssatz diskontiert werden. Die Sch\u00e4tzung der zuk\u00fcnftigen Ergebnisse erfordert eine Beurteilung der </span></div><div class=\"ps23342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bisherigen sowie der zuk\u00fcnftigen Performance, letztere unter Beachtung der voraussichtlichen Entwicklung der relevanten </span></div><div class=\"ps23343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkte und des gesamtwirtschaftlichen Umfelds.</span></div><div class=\"ps23344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Impairment-Tests der Firmenwerte auf Basis der zahlungsmittelgenerierenden Einheiten beruhen auf einer vom jeweiligen </span></div><div class=\"ps23345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management erstellten und von den zust\u00e4ndigen Organen genehmigten Mehrjahresplanung. Darin wird die mittelfristige </span></div><div class=\"ps23346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsperspektive der CGU unter Ber\u00fccksichtigung der Gesch\u00e4ftsstrategie, der gesamtwirtschaftlichen Rahmenbedingungen </span></div><div class=\"ps23347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bruttoinlandsprodukt, Inflationserwartungen etc.) sowie der jeweiligen Marktverh\u00e4ltnisse abgebildet. Im Anschluss daran </span></div><div class=\"ps23348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt eine Verstetigung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. Die Diskontierung der </span></div><div class=\"ps23349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertungsrelevanten Ertr\u00e4ge, das sind die potenziellen Dividenden, erfolgt mit risikoadaptierten und l\u00e4nderspezifisch </span></div><div class=\"ps23350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Eigenkapitalkostens\u00e4tzen. Diese wurden in Anlehnung an das Capital-Asset-Pricing-Modell ermittelt. Die </span></div><div class=\"ps23351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen Zinssatzparameter (risikoloser Zinssatz, Inflationsdifferenz, Marktrisikopr\u00e4mie, l\u00e4nderspezifische Risiken und Beta-</span></div><div class=\"ps23352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren) wurden mithilfe externer Informationsquellen festgelegt. Der gesamte Planungshorizont wird in drei Phasen </span></div><div class=\"ps23353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgeteilt, wobei sich die Phase I auf den Planungszeitraum des Managements von drei Jahren erstreckt. In der Phase II, die </span></div><div class=\"ps23354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere zwei Jahre umfasst, wird die Detailplanung unter Beachtung von gesamtwirtschaftlichen Plandaten extrapoliert. In der </span></div><div class=\"ps23355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Phase III erfolgt die Verstetigung der Ertragserwartung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. </span></div><div class=\"ps23356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden Firmenwerte auch unterj\u00e4hrig auf Werthaltigkeit \u00fcberpr\u00fcft, falls ein Wertminderungsgrund vorliegt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-489": {
   "value": "<div class=\"ps23069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Immaterielle Verm\u00f6genswerte<span id=\"i3002a5ee80a0491a8157f11294a04a77\"></span></span></div><div class=\"ps23070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Erworbene immaterielle Verm\u00f6genswerte <span id=\"ibf2be774733e4f4aac292951ba554657\"></span></span></div><div class=\"ps12109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Separat, d. h. nicht im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte mit einer </span></div><div class=\"ps12110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmbaren Nutzungsdauer werden in der RBI zu Anschaffungskosten abz\u00fcglich kumulierter Abschreibungen und </span></div><div class=\"ps12111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen erfasst. Die Abschreibungen werden linear \u00fcber die erwartete Nutzungsdauer aufwandswirksam erfasst. Die </span></div><div class=\"ps12112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Nutzungsdauer sowie die Abschreibungsmethode werden an jedem Abschlussstichtag \u00fcberpr\u00fcft und s\u00e4mtliche </span></div><div class=\"ps12113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sch\u00e4tzungs\u00e4nderungen prospektiv ber\u00fccksichtigt. Separat erworbene immaterielle Verm\u00f6genswerte mit einer unbestimmten </span></div><div class=\"ps12114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer werden zu Anschaffungskosten abz\u00fcglich kumulierter Wertminderungen erfasst. Die betriebsgew\u00f6hnliche </span></div><div class=\"ps12115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten kann sich die </span></div><div class=\"ps12116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken. </span></div><div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte \u2013 Forschungs- und Entwicklungskosten<span id=\"id5a2b2194d354eb1ae6d41e5446b60b8\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte umfassen ausschlie\u00dflich Software und werden aktiviert, wenn es wahrscheinlich </span></div><div class=\"ps3355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, dass der RBI daraus k\u00fcnftig ein wirtschaftlicher Nutzen entsteht, und die Herstellungskosten verl\u00e4sslich ermittelt werden </span></div><div class=\"ps3356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen. Kosten f\u00fcr Forschungsaktivit\u00e4ten werden in der Periode, in der sie anfallen, als Aufwand erfasst. </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein selbst erstellter immaterieller Verm\u00f6genswert, der sich aus der Entwicklungst\u00e4tigkeit oder aus der Entwicklungsphase eines </span></div><div class=\"ps5146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Projekts ergibt, wird dann bilanziert, wenn die folgenden Nachweise erbracht wurden: </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Fertigstellung des immateriellen Verm\u00f6genswerts ist technisch realisierbar, sodass er zur Nutzung oder zum </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verkauf zur Verf\u00fcgung stehen wird. </span></div><div class=\"ps23072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Es besteht die Absicht, den immateriellen Verm\u00f6genswert fertigzustellen sowie ihn zu nutzen oder zu verkaufen. </span></div><div class=\"ps23073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit, den immateriellen Verm\u00f6genswert zu nutzen oder zu verkaufen, ist gegeben. Der immaterielle </span></div><div class=\"ps3363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswert wird voraussichtlich einen k\u00fcnftigen wirtschaftlichen Nutzen erzielen. </span></div><div class=\"ps3364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verf\u00fcgbarkeit ad\u00e4quater technischer, finanzieller und sonstiger Ressourcen, um die Entwicklung abschlie\u00dfen und </span></div><div class=\"ps3365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">den immateriellen Verm\u00f6genswert nutzen oder verkaufen zu k\u00f6nnen, ist gegeben. </span></div><div class=\"ps3366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit zur verl\u00e4sslichen Bestimmung der im Rahmen der Entwicklung des immateriellen Verm\u00f6genswerts </span></div><div class=\"ps3367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zurechenbaren Aufwendungen ist gegeben. </span></div><div class=\"ps23074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Betrag, mit dem ein selbst erstellter immaterieller Verm\u00f6genswert erstmals aktiviert wird, ist die Summe der entstandenen </span></div><div class=\"ps23075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen von dem Tag an, an dem der immaterielle Verm\u00f6genswert die oben genannten Bedingungen erstmals erf\u00fcllt. </span></div><div class=\"ps23076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn ein selbst erstellter immaterieller Verm\u00f6genswert nicht aktiviert werden kann bzw. noch kein immaterieller </span></div><div class=\"ps23077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswert vorliegt, werden die Entwicklungskosten erfolgswirksam in der Periode erfasst, in der sie entstehen. </span></div><div class=\"ps23078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktivierte Entwicklungskosten werden im Konzern in der Regel \u00fcber eine Nutzungsdauer von f\u00fcnf Jahren linear abgeschrieben. </span></div><div class=\"ps23079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die betriebsgew\u00f6hnliche Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten </span></div><div class=\"ps23080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann sich die betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken.</span></div><div class=\"ps23081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte<span id=\"i9a2e44d5792f401683ee9f6d2752ee1e\"></span></span></div><div class=\"ps23082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Immaterielle Verm\u00f6genswerte, die im Rahmen eines Unternehmenszusammenschlusses erworben wurden, werden in der RBI </span></div><div class=\"ps23083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesondert vom Gesch\u00e4fts- oder Firmenwert erfasst und im Erwerbszeitpunkt mit ihrem beizulegenden Zeitwert bewertet. </span></div><div class=\"ps23084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenwerte und sonstige immaterielle Verm\u00f6genswerte ohne bestimmbare Nutzungsdauer werden an jedem Bilanzstichtag </span></div><div class=\"ps23085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf ihre Werthaltigkeit \u00fcberpr\u00fcft. Bei besonderen Ereignissen (Trigger Events) erfolgt auch unterj\u00e4hrig eine \u00dcberpr\u00fcfung der </span></div><div class=\"ps23086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werthaltigkeit. Sofern Umst\u00e4nde vorliegen, die den erwarteten Nutzen nicht mehr erkennen lassen, wird gem\u00e4\u00df IAS 36 eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorgenommen. Immaterielle Verm\u00f6genswerte mit einer bestimmbaren Nutzungsdauer werden \u00fcber den </span></div><div class=\"ps23088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum abgeschrieben, \u00fcber den dieser immaterielle Verm\u00f6genswert genutzt werden kann.</span></div><div class=\"ps23089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen des Konzerns verwenden zur Unterscheidung ihrer Dienstleistungen von jenen der Mitbewerber:innen </span></div><div class=\"ps23090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Warenzeichen (Marken). Gem\u00e4\u00df IFRS 3 werden Marken erworbener Unternehmen gesondert unter dem Bilanzposten </span></div><div class=\"ps23091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">immaterielle Verm\u00f6genswerte bilanziert. Es wurde eine unbegrenzte Nutzungsdauer angenommen, sodass keine planm\u00e4\u00dfige </span></div><div class=\"ps23092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschreibung erfolgt. Die Marken werden j\u00e4hrlich und zus\u00e4tzlich immer dann, wenn Indikatoren f\u00fcr eine Wertminderung </span></div><div class=\"ps23093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorliegen, auf Werthaltigkeit getestet.</span></div><div class=\"ps23094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene Kerneinlagen werden gem\u00e4\u00df IFRS 3 gesondert unter dem </span></div><div class=\"ps23095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten immaterielle Verm\u00f6genswerte ausgewiesen. Den Kerneinlagen wurde eine Nutzungsdauer von zehn Jahren zugrunde </span></div><div class=\"ps23096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gelegt. Die Kerneinlagen stellen den Barwert der Kosteneinsparungen dar, der sich aus der Differenz zwischen den Kosten der </span></div><div class=\"ps23097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kerneinlagen und den Kosten f\u00fcr einen gleichwertigen Betrag von Mitteln aus einer alternativen Marktquelle ergeben. Der </span></div><div class=\"ps23098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">immaterielle Wert der Kerneinlagen resultiert daraus, dass die Kerneinlagen eine kosteng\u00fcnstige, stabile Finanzierungsquelle </span></div><div class=\"ps23099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darstellen. F\u00fcr die Bewertung der Kerneinlagen wurde das Ertragswertverfahren (DCF-Methode) angewendet, indem die </span></div><div class=\"ps23100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten Kosteneinsparungen mit den Kosten des Eigenkapital, diskontiert werden. </span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Darstellung der Sachanlagen und immateriellen Verm\u00f6genswerte<span id=\"ic2767e16deb34873ab367f868063cc46\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23103\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23104\">484<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">470<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1180\">370<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23105\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21974\">385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">378<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23106\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18451\">1.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23107\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps808\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20247\">2.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20515\">2.686<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Marktwert der als Finanzinvestition gehaltenen Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21548\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps11235\">540<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23214 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:136.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23110 ss1306\"><div><div class=\"ps31 ss1305\"><span class=\"f charStyle-1dbd4d87 ps23109\">Anschaffungs-/Herstellungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1307\"><div><div class=\"ps5427 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23111 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps30\">Stand 1.1.2025</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5081 ss818\"><div><div class=\"ps5430 ss812\"><span class=\"f charStyle-1dbd4d87 ps23112\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23113\">Konsolidie-</span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23114\">rungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23115\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps3832\">differenzen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23118 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23117\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23120 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23119\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23121 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps10115\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps2009\">buchungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps15645 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-3e64e966 ps1111\">Stand </span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps11277\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23123 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23122\">3.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23124 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10879\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23125 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6729\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23126 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1681\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23127 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12739\">-212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23128 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23129 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12815\">3.657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23130 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18634\">938<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23131 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23132 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23133 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23134 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps422\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23135 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23136 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps84\">987<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1308\"><div><div class=\"ps1485 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23137 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23138 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23139 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23140 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1716\">171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23141 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps208\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23142 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12862 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps16866\">1.058<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23143 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps189\">555<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23144 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10879\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23145 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23146 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17204\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23147 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7199\">512<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23148 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8527\">236<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23149 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23150 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23151 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13098\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23152 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19478\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23153 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9386\">288<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23154 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9387\">740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23155 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23156 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23157 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11082\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23158 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19478\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23159 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12896 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23160\">813<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23161 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11932\">3.248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23163 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps100\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23164 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9438\">375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23165 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19576\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23166 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11005\">3.583<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23167 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17977\">2.679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23168 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23169 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12583\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8704\">365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10359\">-107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23171 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23172 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21218\">2.998<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23173 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps191\">425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23174 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23175 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23176 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23177 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23178 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23179 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8540\">442<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23180 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23181 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23182 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23183 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23184 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23185 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23186 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23187 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23188 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23189 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23190 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23191 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23192 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23193 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23194 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17763\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23195 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23196 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17129\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23197 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23198 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23200 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23199\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23201 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12625\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23202 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23203 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22541\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23204 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps422\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23205 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23206 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13098\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23207 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps18453\">6.689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23208 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11032\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23209 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10112\">160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23210 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">759<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23211 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10744\">-333<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23212 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23213 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps20532\">7.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23268 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23216\">Stand 31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">-1.929<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21506\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-243<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18434\">-502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20159\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19205\">484<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17886\">-688<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12533\">370<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20024\">-176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18459\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20180\">336<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23232\">-127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23235\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">-435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">378<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23242\">-2.476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23238\">-270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17518\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-1.987<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17390\">-256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">1.011<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10735\">-404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22116\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18456\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">-4.404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18444\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23267\">-513<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17450\">2.836<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:136.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23110 ss1306\"><div><div class=\"ps31 ss1305\"><span class=\"f charStyle-1dbd4d87 ps23109\">Anschaffungs-/Herstellungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1307\"><div><div class=\"ps5427 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23111 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps30\">Stand 1.1.2024</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5081 ss818\"><div><div class=\"ps5430 ss812\"><span class=\"f charStyle-1dbd4d87 ps23112\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23113\">Konsolidie-</span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23114\">rungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23115\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps3832\">differenzen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23118 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23117\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23120 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23119\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23121 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps10115\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps2009\">buchungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15645 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-3e64e966 ps1111\">Stand </span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps547\">31.12.2024</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23123 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11561\">3.402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23124 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11032\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23125 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13131\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23126 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps21770\">374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23127 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1524\">-225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23128 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23129 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23122\">3.441<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23130 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1536\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23131 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23132 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8696\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23133 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23134 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23270\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23135 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23136 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18634\">938<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1308\"><div><div class=\"ps1485 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23137 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18609\">1.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23138 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps13131\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23139 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps6458\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23140 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1445\">180<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23141 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1591\">-133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23142 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12862 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">973<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23143 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22929\">571<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23144 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6515\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23145 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23146 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23147 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps189\">555<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23148 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps80\">220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23149 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23150 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23151 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23152 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6515\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23153 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8527\">236<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23154 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10119\">674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23155 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23156 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23157 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23158 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23160\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23159 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12896 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9387\">740<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23161 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23271\">3.114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps411\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23163 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23272\">-73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23164 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10879\">351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23165 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps161\">-93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23166 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11932\">3.248<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23167 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9587\">2.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23168 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13217\">-48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23169 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7174\">-58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1540\">339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15156\">-80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23171 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23172 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17977\">2.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23173 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21770\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23174 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23175 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps295\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23176 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23177 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23178 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23179 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps191\">425<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23180 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23181 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23182 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23183 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23184 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23185 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23186 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23187 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7173\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23188 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23189 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23190 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23191 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23192 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23193 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23194 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23195 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23196 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23197 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23198 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23200 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17763\">67<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23201 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15014\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23202 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23203 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23204 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15656\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23205 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23206 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12625\">52<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23207 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps8905\">6.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23208 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps15658\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23209 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23006\">-147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23210 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps169\">725<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23211 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6002\">-319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23212 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23213 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps18453\">6.689<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23284 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps6234\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23273\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23274\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23275\">Wertminderungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23276\">Stand 31.12.2024</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20171\">-1.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4152\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23277\">470<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20161\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18731\">-169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23278\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23279\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20227\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18401\">-2.246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22193\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23280\">-1.788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3128\">-231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23281\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23282\">-4.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23283\">2.686<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Software<span id=\"i53b71da7279b41e8a5893a4cc204555c\"></span></span></div><div class=\"ps23287 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zugekaufte Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21525\">644<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23107\">608<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Selbsterstellte Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20609\">367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23286\">282<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-488": {
   "value": "<div class=\"ps23069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Immaterielle Verm\u00f6genswerte<span id=\"i3002a5ee80a0491a8157f11294a04a77\"></span></span></div><div class=\"ps23070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Erworbene immaterielle Verm\u00f6genswerte <span id=\"ibf2be774733e4f4aac292951ba554657\"></span></span></div><div class=\"ps12109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Separat, d. h. nicht im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte mit einer </span></div><div class=\"ps12110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmbaren Nutzungsdauer werden in der RBI zu Anschaffungskosten abz\u00fcglich kumulierter Abschreibungen und </span></div><div class=\"ps12111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen erfasst. Die Abschreibungen werden linear \u00fcber die erwartete Nutzungsdauer aufwandswirksam erfasst. Die </span></div><div class=\"ps12112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Nutzungsdauer sowie die Abschreibungsmethode werden an jedem Abschlussstichtag \u00fcberpr\u00fcft und s\u00e4mtliche </span></div><div class=\"ps12113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sch\u00e4tzungs\u00e4nderungen prospektiv ber\u00fccksichtigt. Separat erworbene immaterielle Verm\u00f6genswerte mit einer unbestimmten </span></div><div class=\"ps12114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer werden zu Anschaffungskosten abz\u00fcglich kumulierter Wertminderungen erfasst. Die betriebsgew\u00f6hnliche </span></div><div class=\"ps12115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten kann sich die </span></div><div class=\"ps12116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken. </span></div><div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte \u2013 Forschungs- und Entwicklungskosten<span id=\"id5a2b2194d354eb1ae6d41e5446b60b8\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte umfassen ausschlie\u00dflich Software und werden aktiviert, wenn es wahrscheinlich </span></div><div class=\"ps3355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, dass der RBI daraus k\u00fcnftig ein wirtschaftlicher Nutzen entsteht, und die Herstellungskosten verl\u00e4sslich ermittelt werden </span></div><div class=\"ps3356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen. Kosten f\u00fcr Forschungsaktivit\u00e4ten werden in der Periode, in der sie anfallen, als Aufwand erfasst. </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein selbst erstellter immaterieller Verm\u00f6genswert, der sich aus der Entwicklungst\u00e4tigkeit oder aus der Entwicklungsphase eines </span></div><div class=\"ps5146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Projekts ergibt, wird dann bilanziert, wenn die folgenden Nachweise erbracht wurden: </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Fertigstellung des immateriellen Verm\u00f6genswerts ist technisch realisierbar, sodass er zur Nutzung oder zum </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verkauf zur Verf\u00fcgung stehen wird. </span></div><div class=\"ps23072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Es besteht die Absicht, den immateriellen Verm\u00f6genswert fertigzustellen sowie ihn zu nutzen oder zu verkaufen. </span></div><div class=\"ps23073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit, den immateriellen Verm\u00f6genswert zu nutzen oder zu verkaufen, ist gegeben. Der immaterielle </span></div><div class=\"ps3363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswert wird voraussichtlich einen k\u00fcnftigen wirtschaftlichen Nutzen erzielen. </span></div><div class=\"ps3364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verf\u00fcgbarkeit ad\u00e4quater technischer, finanzieller und sonstiger Ressourcen, um die Entwicklung abschlie\u00dfen und </span></div><div class=\"ps3365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">den immateriellen Verm\u00f6genswert nutzen oder verkaufen zu k\u00f6nnen, ist gegeben. </span></div><div class=\"ps3366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit zur verl\u00e4sslichen Bestimmung der im Rahmen der Entwicklung des immateriellen Verm\u00f6genswerts </span></div><div class=\"ps3367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zurechenbaren Aufwendungen ist gegeben. </span></div><div class=\"ps23074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Betrag, mit dem ein selbst erstellter immaterieller Verm\u00f6genswert erstmals aktiviert wird, ist die Summe der entstandenen </span></div><div class=\"ps23075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen von dem Tag an, an dem der immaterielle Verm\u00f6genswert die oben genannten Bedingungen erstmals erf\u00fcllt. </span></div><div class=\"ps23076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn ein selbst erstellter immaterieller Verm\u00f6genswert nicht aktiviert werden kann bzw. noch kein immaterieller </span></div><div class=\"ps23077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswert vorliegt, werden die Entwicklungskosten erfolgswirksam in der Periode erfasst, in der sie entstehen. </span></div><div class=\"ps23078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktivierte Entwicklungskosten werden im Konzern in der Regel \u00fcber eine Nutzungsdauer von f\u00fcnf Jahren linear abgeschrieben. </span></div><div class=\"ps23079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die betriebsgew\u00f6hnliche Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten </span></div><div class=\"ps23080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann sich die betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken.</span></div><div class=\"ps23081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene immaterielle Verm\u00f6genswerte<span id=\"i9a2e44d5792f401683ee9f6d2752ee1e\"></span></span></div><div class=\"ps23082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Immaterielle Verm\u00f6genswerte, die im Rahmen eines Unternehmenszusammenschlusses erworben wurden, werden in der RBI </span></div><div class=\"ps23083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesondert vom Gesch\u00e4fts- oder Firmenwert erfasst und im Erwerbszeitpunkt mit ihrem beizulegenden Zeitwert bewertet. </span></div><div class=\"ps23084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenwerte und sonstige immaterielle Verm\u00f6genswerte ohne bestimmbare Nutzungsdauer werden an jedem Bilanzstichtag </span></div><div class=\"ps23085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf ihre Werthaltigkeit \u00fcberpr\u00fcft. Bei besonderen Ereignissen (Trigger Events) erfolgt auch unterj\u00e4hrig eine \u00dcberpr\u00fcfung der </span></div><div class=\"ps23086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werthaltigkeit. Sofern Umst\u00e4nde vorliegen, die den erwarteten Nutzen nicht mehr erkennen lassen, wird gem\u00e4\u00df IAS 36 eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung vorgenommen. Immaterielle Verm\u00f6genswerte mit einer bestimmbaren Nutzungsdauer werden \u00fcber den </span></div><div class=\"ps23088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum abgeschrieben, \u00fcber den dieser immaterielle Verm\u00f6genswert genutzt werden kann.</span></div><div class=\"ps23089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen des Konzerns verwenden zur Unterscheidung ihrer Dienstleistungen von jenen der Mitbewerber:innen </span></div><div class=\"ps23090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Warenzeichen (Marken). Gem\u00e4\u00df IFRS 3 werden Marken erworbener Unternehmen gesondert unter dem Bilanzposten </span></div><div class=\"ps23091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">immaterielle Verm\u00f6genswerte bilanziert. Es wurde eine unbegrenzte Nutzungsdauer angenommen, sodass keine planm\u00e4\u00dfige </span></div><div class=\"ps23092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschreibung erfolgt. Die Marken werden j\u00e4hrlich und zus\u00e4tzlich immer dann, wenn Indikatoren f\u00fcr eine Wertminderung </span></div><div class=\"ps23093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorliegen, auf Werthaltigkeit getestet.</span></div><div class=\"ps23094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen eines Unternehmenszusammenschlusses erworbene Kerneinlagen werden gem\u00e4\u00df IFRS 3 gesondert unter dem </span></div><div class=\"ps23095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten immaterielle Verm\u00f6genswerte ausgewiesen. Den Kerneinlagen wurde eine Nutzungsdauer von zehn Jahren zugrunde </span></div><div class=\"ps23096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gelegt. Die Kerneinlagen stellen den Barwert der Kosteneinsparungen dar, der sich aus der Differenz zwischen den Kosten der </span></div><div class=\"ps23097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kerneinlagen und den Kosten f\u00fcr einen gleichwertigen Betrag von Mitteln aus einer alternativen Marktquelle ergeben. Der </span></div><div class=\"ps23098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">immaterielle Wert der Kerneinlagen resultiert daraus, dass die Kerneinlagen eine kosteng\u00fcnstige, stabile Finanzierungsquelle </span></div><div class=\"ps23099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darstellen. F\u00fcr die Bewertung der Kerneinlagen wurde das Ertragswertverfahren (DCF-Methode) angewendet, indem die </span></div><div class=\"ps23100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten Kosteneinsparungen mit den Kosten des Eigenkapital, diskontiert werden. </span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Darstellung der Sachanlagen und immateriellen Verm\u00f6genswerte<span id=\"ic2767e16deb34873ab367f868063cc46\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20261\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23103\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23104\">484<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">470<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1180\">370<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23105\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21606\">336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21974\">385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps790\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">378<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21600\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22117\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23106\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18451\">1.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23107\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20352\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps808\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20871\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20562\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20247\">2.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20515\">2.686<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Marktwert der als Finanzinvestition gehaltenen Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21548\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps11235\">540<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23214 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:136.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23110 ss1306\"><div><div class=\"ps31 ss1305\"><span class=\"f charStyle-1dbd4d87 ps23109\">Anschaffungs-/Herstellungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1307\"><div><div class=\"ps5427 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23111 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps30\">Stand 1.1.2025</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5081 ss818\"><div><div class=\"ps5430 ss812\"><span class=\"f charStyle-1dbd4d87 ps23112\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23113\">Konsolidie-</span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23114\">rungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23115\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps3832\">differenzen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23118 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23117\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23120 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23119\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23121 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps10115\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps2009\">buchungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps15645 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-3e64e966 ps1111\">Stand </span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps11277\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23123 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23122\">3.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23124 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10879\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23125 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6729\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23126 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1681\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23127 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12739\">-212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23128 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23129 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps12815\">3.657<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23130 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18634\">938<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23131 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17131\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23132 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23133 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23134 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps422\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23135 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23136 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps84\">987<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1308\"><div><div class=\"ps1485 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23137 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23138 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23139 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps12565\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23140 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1716\">171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23141 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps208\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23142 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12862 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps16866\">1.058<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23143 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps189\">555<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23144 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10879\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23145 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23146 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17204\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23147 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7199\">512<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23148 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8527\">236<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23149 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23150 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7356\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23151 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13098\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23152 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19478\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23153 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9386\">288<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23154 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9387\">740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23155 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7327\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23156 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23157 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps11082\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23158 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19478\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23159 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12896 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23160\">813<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23161 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11932\">3.248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23163 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps100\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23164 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps9438\">375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23165 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps19576\">-121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23166 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11005\">3.583<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23167 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17977\">2.679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23168 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23169 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12583\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8704\">365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10359\">-107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23171 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23172 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21218\">2.998<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23173 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps191\">425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23174 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23175 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19579\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23176 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23177 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23178 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23179 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8540\">442<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23180 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23181 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23182 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23183 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23184 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23185 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23186 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23187 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23188 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23189 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23190 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23191 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23192 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23193 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23194 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17763\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23195 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23196 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17129\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23197 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23198 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23200 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23199\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23201 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12625\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23202 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23203 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22541\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23204 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps422\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23205 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23206 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13098\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23207 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps18453\">6.689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23208 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11032\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23209 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10112\">160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23210 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1548\">759<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23211 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10744\">-333<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23212 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23213 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps20532\">7.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23268 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertminderungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23216\">Stand 31.12.2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17686\">-1.929<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21506\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-243<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11260\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18434\">-502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20159\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19205\">484<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17886\">-688<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20247\">-99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12533\">370<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20024\">-176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18459\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20180\">336<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23232\">-127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23235\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">-435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">378<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23242\">-2.476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23238\">-270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17518\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">-1.987<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17390\">-256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18461\">1.011<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10735\">-404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22116\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18456\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18387\">13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">-4.404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18444\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23267\">-513<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17450\">2.836<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:136.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23110 ss1306\"><div><div class=\"ps31 ss1305\"><span class=\"f charStyle-1dbd4d87 ps23109\">Anschaffungs-/Herstellungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1307\"><div><div class=\"ps5427 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23111 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps30\">Stand 1.1.2024</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5081 ss818\"><div><div class=\"ps5430 ss812\"><span class=\"f charStyle-1dbd4d87 ps23112\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23113\">Konsolidie-</span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23114\">rungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps23115\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps3832\">differenzen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23118 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23117\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23120 ss818\"><div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps23119\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23121 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-1dbd4d87 ps10115\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-1dbd4d87 ps2009\">buchungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15645 ss818\"><div><div class=\"ps5426 ss812\"><span class=\"f charStyle-3e64e966 ps1111\">Stand </span></div><div class=\"ps5427 ss812\"><span class=\"f charStyle-3e64e966 ps547\">31.12.2024</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23123 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11561\">3.402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23124 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11032\">-34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23125 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps13131\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23126 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps21770\">374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23127 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps1524\">-225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23128 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23129 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23122\">3.441<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23130 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1536\">934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23131 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23132 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8696\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23133 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23134 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23270\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23135 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23136 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18634\">938<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1308\"><div><div class=\"ps1485 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23137 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18609\">1.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23138 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps13131\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23139 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps6458\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23140 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1445\">180<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23141 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps1591\">-133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23142 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12862 ss1169\"><div><div class=\"ps516 ss812\"><span class=\"f charStyle-375ad3a6 ps17666\">973<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23143 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22929\">571<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23144 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6515\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23145 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8751 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23146 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12572\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23147 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps22339\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps189\">555<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23148 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps80\">220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23149 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23150 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23151 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15881\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23152 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6515\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23153 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12883 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps8527\">236<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23154 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps10119\">674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23155 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps6015\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23156 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12743\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23157 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23158 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps23160\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23159 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19633\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12896 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9387\">740<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3029 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23161 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23271\">3.114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23162 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps411\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23163 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23272\">-73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23164 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps10879\">351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23165 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps161\">-93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23166 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps3165\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps11932\">3.248<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23167 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps9587\">2.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23168 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13217\">-48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23169 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7174\">-58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8771 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps1540\">339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23170 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15156\">-80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23171 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23172 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17977\">2.679<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23173 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps21770\">438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23174 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23175 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps295\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23176 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23177 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23178 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23179 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps191\">425<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23180 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23181 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23182 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23183 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23184 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23185 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23186 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17766\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23187 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps7173\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23188 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23189 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23190 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23191 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23192 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23193 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12472\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7245 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23194 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps19584\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23195 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23196 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12639\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8788 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23197 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23198 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23200 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps17763\">67<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23201 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15014\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23202 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps13427\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23203 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8982 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps3220\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23204 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps15656\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23205 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps18553\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23206 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-375ad3a6 ps12625\">52<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11746 ss586\"><div><div class=\"ps31 ss585\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23207 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps8905\">6.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23208 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps15658\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23209 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps23006\">-147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23210 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps169\">725<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23211 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps6002\">-319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23212 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps65\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23213 ss813\"><div><div class=\"ps31 ss812\"><span class=\"f charStyle-1dbd4d87 ps18453\">6.689<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23284 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps1526\">Zu- und Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps6234\">Kumuliert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23273\">Zuschreibungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss132\"><div><div class=\"ps5430 ss129\"><span class=\"f charStyle-1dbd4d87 ps23265\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps23274\">Abschreibungen/</span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps23275\">Wertminderungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-3e64e966 ps23276\">Stand 31.12.2024</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20171\">-1.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23218 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23219 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23220 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4152\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4146\">-469<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23277\">470<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebs- und Gesch\u00e4ftsausstattung sowie sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20161\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Als Finanzinvestition gehaltene Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18731\">-169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18772\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige vermietete Leasinganlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21805\">-115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23278\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23279\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Nutzungsrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18429\">-367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20227\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18401\">-2.246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17950\">-245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22193\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23280\">-1.788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3128\">-231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marke<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kundenbeziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23281\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kerneinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23282\">-4.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19736\">-476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23283\">2.686<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Software<span id=\"i53b71da7279b41e8a5893a4cc204555c\"></span></span></div><div class=\"ps23287 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zugekaufte Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21525\">644<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23107\">608<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Selbsterstellte Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20609\">367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23286\">282<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Firmenwerte<span id=\"i28c8c0287f1743b4ae6d48b210189d75\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der Firmenwerte sowie die Bruttobetr\u00e4ge und die kumulierten Wertminderungen von Firmenwerten haben sich </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach zahlungsmittelgenerierenden Einheiten wie folgt entwickelt:</span></div><div class=\"ps22331 ss0\"><div class=\"ss1312 ws0 ps519\"><div><table style=\"border-collapse: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:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11230\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23293 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1450\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8738\">RBCZ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23294 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8667\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23295 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5248\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16652\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23297 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23296\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23298 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps791 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23299 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15143 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23301 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23302 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps799 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23303 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23304 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15144 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Verschmelzung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23305 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23306 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps807 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23307 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23308 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15145 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23309 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23310 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23311 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23312 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15147 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23313 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23314 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps821 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23315 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23316 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15148 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23317 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17799\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23318 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23319 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23320 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps15150 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23321 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7916\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23323 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps23322\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7356\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23324 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12638\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13229\">306<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15151 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps62\">442<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23326 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23327 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17715\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps16894\">-63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23328 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps16496\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23329 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps9444\">-305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15152 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps189\">-404<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1313\"><div><div class=\"ps5906 ss1312\"><span class=\"f charStyle-2babd150 ps30\">1 Umgerechnet zum Durchschnittskurs<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss1312\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBCZ: Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23330 ss0\"><div class=\"ss1312 ws0 ps519\"><div><table style=\"border-collapse: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:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11230\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23293 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1450\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8738\">RBCZ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23294 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8667\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23295 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5248\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16652\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23297 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17799\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23298 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps791 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23299 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15143 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23301 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23302 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps799 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23303 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23304 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15144 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Verschmelzung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23305 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23306 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps807 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23307 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23308 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15145 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23309 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23310 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23311 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23312 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15147 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23313 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23314 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps821 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23315 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23316 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15148 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23317 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23296\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23318 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23319 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23320 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps15150 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23321 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps22192\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23323 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps23322\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7275\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23324 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12638\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps15881\">291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15151 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps19584\">425<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23326 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23327 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17715\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12622\">-61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23328 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps16496\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23329 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps10879\">-290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15152 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7071\">-387<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps151 ss1313\"><div><div class=\"ps5906 ss1312\"><span class=\"f charStyle-2babd150 ps30\">1 Umgerechnet zum Durchschnittskurs<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss1312\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBCZ: Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitspr\u00fcfung des Firmenwerts<span id=\"iebe7bb4e90ee46d6a69a7c56f4bf2948\"></span></span></div><div class=\"ps23332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden an jedem Bilanzstichtag auf Basis zahlungsmittelgenerierender Einheiten (Cash Generating Units; </span></div><div class=\"ps23333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CGU) auf ihren k\u00fcnftigen wirtschaftlichen Nutzen \u00fcberpr\u00fcft. Eine zahlungsmittelgenerierende Einheit wird vom Management </span></div><div class=\"ps23334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und ist als die kleinste identifizierbare Gruppe von Verm\u00f6genswerten eines Unternehmens definiert, die permanente </span></div><div class=\"ps23335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsmittelzufl\u00fcsse aus der laufenden Nutzung hervorbringt. In der RBI werden alle Segmente gem\u00e4\u00df </span></div><div class=\"ps23336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Segmentberichterstattung als zahlungsmittelgenerierende Einheiten bestimmt. Innerhalb der Segmente bilden rechtlich </span></div><div class=\"ps23337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst\u00e4ndige Einheiten zum Zweck der Wertminderungspr\u00fcfung der Firmenwerte jeweils eine eigene CGU. Dabei wird der </span></div><div class=\"ps23338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der jeweiligen Einheit (einschlie\u00dflich eines zugeordneten Gesch\u00e4fts- oder Firmenwerts) mit dem aus ihr erzielbaren </span></div><div class=\"ps23339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag verglichen. Dieser ist grunds\u00e4tzlich als der h\u00f6here Betrag aus beizulegendem Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Nutzungswert (Value in Use) definiert. Der Nutzungswert basiert auf den erwarteten potenziellen Dividenden, die mit einem </span></div><div class=\"ps23341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoad\u00e4quaten Zinssatz diskontiert werden. Die Sch\u00e4tzung der zuk\u00fcnftigen Ergebnisse erfordert eine Beurteilung der </span></div><div class=\"ps23342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bisherigen sowie der zuk\u00fcnftigen Performance, letztere unter Beachtung der voraussichtlichen Entwicklung der relevanten </span></div><div class=\"ps23343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkte und des gesamtwirtschaftlichen Umfelds.</span></div><div class=\"ps23344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Impairment-Tests der Firmenwerte auf Basis der zahlungsmittelgenerierenden Einheiten beruhen auf einer vom jeweiligen </span></div><div class=\"ps23345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management erstellten und von den zust\u00e4ndigen Organen genehmigten Mehrjahresplanung. Darin wird die mittelfristige </span></div><div class=\"ps23346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsperspektive der CGU unter Ber\u00fccksichtigung der Gesch\u00e4ftsstrategie, der gesamtwirtschaftlichen Rahmenbedingungen </span></div><div class=\"ps23347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bruttoinlandsprodukt, Inflationserwartungen etc.) sowie der jeweiligen Marktverh\u00e4ltnisse abgebildet. Im Anschluss daran </span></div><div class=\"ps23348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt eine Verstetigung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. Die Diskontierung der </span></div><div class=\"ps23349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertungsrelevanten Ertr\u00e4ge, das sind die potenziellen Dividenden, erfolgt mit risikoadaptierten und l\u00e4nderspezifisch </span></div><div class=\"ps23350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Eigenkapitalkostens\u00e4tzen. Diese wurden in Anlehnung an das Capital-Asset-Pricing-Modell ermittelt. Die </span></div><div class=\"ps23351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen Zinssatzparameter (risikoloser Zinssatz, Inflationsdifferenz, Marktrisikopr\u00e4mie, l\u00e4nderspezifische Risiken und Beta-</span></div><div class=\"ps23352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren) wurden mithilfe externer Informationsquellen festgelegt. Der gesamte Planungshorizont wird in drei Phasen </span></div><div class=\"ps23353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgeteilt, wobei sich die Phase I auf den Planungszeitraum des Managements von drei Jahren erstreckt. In der Phase II, die </span></div><div class=\"ps23354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere zwei Jahre umfasst, wird die Detailplanung unter Beachtung von gesamtwirtschaftlichen Plandaten extrapoliert. In der </span></div><div class=\"ps23355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Phase III erfolgt die Verstetigung der Ertragserwartung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. </span></div><div class=\"ps23356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden Firmenwerte auch unterj\u00e4hrig auf Werthaltigkeit \u00fcberpr\u00fcft, falls ein Wertminderungsgrund vorliegt.</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Wesentliche Annahmen<span id=\"if0d0927e068b4fb08d177c6cf136db5b\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:205.5pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps13479 ss1315\"><div><div class=\"ps31 ss1314\"><span class=\"f charStyle-1dbd4d87 ps21989\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1315\"><div><div class=\"ps31 ss1314\"><span class=\"f charStyle-1dbd4d87 ps23262\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittelgenerierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1925\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1920\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23358 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps584\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23359 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1925\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23360 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1920\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23362 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps23361\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Diskontierungszinss\u00e4tze (nach Steuern)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1081\"></span><span class=\"ps1081\">9,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23363 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8432\"></span><span class=\"ps8432\">14,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23364 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11053\"></span><span class=\"ps11053\">10,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1870\"></span><span class=\"ps1870\">10,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9711\"></span><span class=\"ps9711\">15,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23367 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23366\"></span><span class=\"ps23366\">11,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-375ad3a6 ps30\">Wachstumsraten in Phase I und II (5 Jahre) p.a.\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17540\"></span><span class=\"ps17540\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23368 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12461\"></span><span class=\"ps12461\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23370 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps23369\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23371 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23372 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps23369\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-375ad3a6 ps30\">Wachstumsraten in Phase III (ewige Rente) p.a.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23375 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23376 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23377 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1318\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 Die Wachstumsraten basieren auf der zuk\u00fcnftigen Entwicklung der Aussch\u00fcttungen bereinigt um unregelm\u00e4\u00dfige Aussch\u00fcttungen aufgrund des wirtschaftlichen Umfelds.<span class=\"f ps24\"> </span></span></div><div class=\"ps23378 ss700\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps23379 ss700\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps23380 ss700\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23393 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:123.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps30\">generierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23382 ss903\"><div><div class=\"ps516 ss902\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche Annahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss903\"><div><div class=\"ps516 ss902\"><span class=\"f charStyle-1dbd4d87 ps30\">Managementansatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss903\"><div><div class=\"ps516 ss902\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikoeinsch\u00e4tzung<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:68.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1320\"><div><div class=\"ps264 ss1236\"><span class=\"f charStyle-375ad3a6 ps30\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23384 ss1321\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">RKAG ist eine der f\u00fchrenden \u00f6sterreichischen </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalgesellschaften, ist seit Jahren <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">international t\u00e4tig und bekannter Akteur in </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">zahlreichen europ\u00e4ischen L\u00e4ndern. Es wird </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">von einer stabilen Entwicklung ausgegangen. <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Weiters werden h\u00f6here Margen besonders im </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">ESG-Umfeld erwartet. Die </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Verwaltungsaufwendungen bleiben stabil bis </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">auf leichte Erh\u00f6hungen im IT-Bereich.</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23385 ss1321\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Die Annahmen der Planung basieren auf <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">internen und auf externen Quellen. </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Makro\u00f6konomische Annahmen der Research-</span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Abteilung wurden mit Daten auf externen <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Quellen und dem F\u00fcnf-Jahres-Plan verglichen </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">und den Managern des Unternehmens </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">pr\u00e4sentiert. Die Planung wurde vom </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Aufsichtsrat genehmigt.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23386 ss1321\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Das Hauptrisiko der Ertr\u00e4ge liegt in der <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Entwicklung des Fondsvolumens, welches <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">wiederum vom Markt und dessen </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Entwicklung abh\u00e4ngt. Weitere </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Einflussfaktoren bestehen in k\u00fcnftigen </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Absatzkapazit\u00e4ten, der Asset Allokation der </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Kunden und der H\u00f6he der erzielbaren </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Margen.</span></div></div></div></td></tr><tr style=\"height:54pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6008 ss1322\"><div><div class=\"ps264 ss1236\"><span class=\"f charStyle-375ad3a6 ps30\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23387 ss1323\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Serbien ist eines der Fokusl\u00e4nder f\u00fcr die </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Gruppe. F\u00fcr 2026 wird ein Marktwachstum <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">von 6,9 Prozent in Corporate und 5,8 Prozent </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">in Retail erwartet. Die Margen sind aufgrund <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">der Zinserwartungen leicht r\u00fcckl\u00e4ufig </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">geplant, w\u00e4hrend die Gewinne stabil bleiben. </span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23388 ss1323\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Die Annahmen basieren sowohl auf internen <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">als auch auf externen Quellen. </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Makro\u00f6konomische Annahmen der Research-</span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Abteilung wurden mit dem Daten von <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">externen Quellen und dem F\u00fcnf-Jahres-Plan </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">verglichen, dem Vorstand pr\u00e4sentiert und </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">vom Aufsichtsrat genehmigt.</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23389 ss1323\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Die Referenzzinss\u00e4tze werden r\u00fcckl\u00e4ufig von </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">5,4 Prozent f\u00fcr 2026 auf 4,6 Prozent f\u00fcr 2027 </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">angenommen. Damit sinkt auch das <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Nettozinsergebnis zuk\u00fcnftig. Das </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Ergebnisrisiko betrifft haupts\u00e4chlich die Zins- </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">und Margenentwicklung des Portfolios. </span></div></div></div></td></tr><tr style=\"height:147pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps10865 ss1324\"><div><div class=\"ps264 ss1236\"><span class=\"f charStyle-375ad3a6 ps30\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23390 ss1325\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Der Markt f\u00fcr Zahlungsdienstleister (PSP) in </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Zentral- und Osteuropa ist aufgrund des <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">wachsenden E-Commerce, der steigenden <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Nachfrage nach digitalen Zahlungen und </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">staatlicher F\u00f6rderprogramme f\u00fcr bargeldlose </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Transaktionen deutlich gewachsen. </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Technologische Fortschritte wie mobile </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Zahlungen und digitale Geldb\u00f6rsen tragen </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">ebenfalls zu diesem Wachstum bei. Der Markt </span></div><div class=\"ps5397 ss902\"><span class=\"f charStyle-6d404c82 ps30\">wird zunehmend wettbewerbsintensiver, da </span></div><div class=\"ps5420 ss902\"><span class=\"f charStyle-6d404c82 ps30\">lokale und internationale PSP expandieren </span></div><div class=\"ps5421 ss902\"><span class=\"f charStyle-6d404c82 ps30\">und traditionelle Banken Geb\u00fchren und </span></div><div class=\"ps5422 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Devisenmargen senken, um </span></div><div class=\"ps5465 ss902\"><span class=\"f charStyle-6d404c82 ps30\">wettbewerbsf\u00e4hig zu bleiben. Vor diesem </span></div><div class=\"ps5466 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Hintergrund hat Akcenta ihre Strategie 2027 </span></div><div class=\"ps15203 ss902\"><span class=\"f charStyle-6d404c82 ps30\">ins Leben gerufen, die die digitale </span></div><div class=\"ps23012 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Transformation mit einem neuen IT-</span></div><div class=\"ps23013 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Kernsystem fortsetzt und sich auf schnellere, </span></div><div class=\"ps23014 ss902\"><span class=\"f charStyle-6d404c82 ps30\">transparentere und einfachere Services </span></div><div class=\"ps23015 ss902\"><span class=\"f charStyle-6d404c82 ps30\">konzentriert. </span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23391 ss1325\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Akcenta bietet wettbewerbsf\u00e4hige Kurse und </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">niedrigere Geb\u00fchren als traditionelle <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Finanzinstitute. Das Unternehmen <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">unterst\u00fctzt KMU dabei, von g\u00fcnstigen </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Wechselkursen zu profitieren und bietet </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Instrumente wie Terminkontrakte, Optionen </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">und Hedging zur Reduzierung von </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">W\u00e4hrungsrisiken. Akcenta begleitet KMUs </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">durch die komplexen Abl\u00e4ufe des </span></div><div class=\"ps5397 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Devisenhandels und erm\u00f6glicht ihnen ein </span></div><div class=\"ps5420 ss902\"><span class=\"f charStyle-6d404c82 ps30\">effektives internationales </span></div><div class=\"ps5421 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Transaktionsmanagement. Der Mehrwert </span></div><div class=\"ps5422 ss902\"><span class=\"f charStyle-6d404c82 ps30\">liegt in den kosteng\u00fcnstigen und </span></div><div class=\"ps5465 ss902\"><span class=\"f charStyle-6d404c82 ps30\">komfortablen Devisenl\u00f6sungen, die es KMUs <span class=\"f ps24\"> </span></span></div><div class=\"ps5466 ss902\"><span class=\"f charStyle-6d404c82 ps30\">erlauben, sich auf ihr Kerngesch\u00e4ft zu </span></div><div class=\"ps15203 ss902\"><span class=\"f charStyle-6d404c82 ps30\">konzentrieren. </span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23392 ss1325\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Aufgrund der soliden und nachhaltigen </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">finanziellen Performance mit der </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">einhergehenden Erzielung von Gewinnen, </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">verf\u00fcgt Akcenta \u00fcber eine solide finanzielle </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Basis, die die regulatorischen </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalanforderungen deutlich \u00fcbertrifft. </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Akcenta h\u00e4lt sich strikt an Compliance- und </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Regulierungsstandards um die Sicherheit und </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Integrit\u00e4t seiner Gesch\u00e4ftst\u00e4tigkeiten </span></div><div class=\"ps5397 ss902\"><span class=\"f charStyle-6d404c82 ps30\">sicherzustellen. Dies beinhaltet die <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Umsetzung von Ma\u00dfnahmen zur </span></div><div class=\"ps5421 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Verhinderung von Geldw\u00e4sche, Betrug und </span></div><div class=\"ps5422 ss902\"><span class=\"f charStyle-6d404c82 ps30\">anderen finanziellen Risiken.</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"2\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps6573 ss1326\"><div><div class=\"ps3120 ss719\"><span class=\"f charStyle-073efae3 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)</span></div><div class=\"ps21850 ss719\"><span class=\"f charStyle-073efae3 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)</span></div><div class=\"ps21851 ss719\"><span class=\"f charStyle-073efae3 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)</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></tbody></table></div></div></div><div class=\"ps23395 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4tsanalyse<span id=\"i0236d126ed5641feae1eb14fef4fac28\"></span></span></div><div class=\"ps23396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um die Stabilit\u00e4t der Ergebnisse der Werthaltigkeitspr\u00fcfung der Firmenwerte zu testen, wurde basierend auf den oben </span></div><div class=\"ps23397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angef\u00fchrten Pr\u00e4missen eine Sensitivit\u00e4tsanalyse vorgenommen. Aus mehreren M\u00f6glichkeiten wurden f\u00fcr diese Analyse die </span></div><div class=\"ps23398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenkapitalkosten als relevanter Parameter ausgew\u00e4hlt. Die nachstehend angef\u00fchrte \u00dcbersicht veranschaulicht, um welches </span></div><div class=\"ps23399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausma\u00df sich der Eigenkapitalkostensatz erh\u00f6hen k\u00f6nnte, ohne dass der Nutzungswert (Value in Use) der </span></div><div class=\"ps23400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zahlungsmittelgenerierenden Einheiten unter den jeweiligen Buchwert (Eigenkapital zuz\u00fcglich Firmenwert) absinkt. </span></div><div class=\"ps23410 ss0\"><div class=\"ss942 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps23401 ss1328\"><div><div class=\"ps31 ss1327\"><span class=\"f charStyle-1dbd4d87 ps21456\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps21289 ss1328\"><div><div class=\"ps31 ss1327\"><span class=\"f charStyle-1dbd4d87 ps23402\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1329\"><div><div class=\"ps31 ss653\"><span class=\"f charStyle-1dbd4d87 ps30\">Maximale Sensitivit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23403 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8667\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps6458\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23404 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5272\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21297 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps10376\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23405 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps6458\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps50 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5272\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1329\"><div><div class=\"ps31 ss653\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung des Diskontierungszinssatzes<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23406 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps9405\">22,2 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11927\">12,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23407 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18551\">0,99 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23408 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11454\">22,8 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23409 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps84\">7,1 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps63 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13116\">1,19 PP<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1330\"><div><div class=\"ps16905 ss942\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss942\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss942\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-493": {
   "value": "<div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte \u2013 Forschungs- und Entwicklungskosten<span id=\"id5a2b2194d354eb1ae6d41e5446b60b8\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte umfassen ausschlie\u00dflich Software und werden aktiviert, wenn es wahrscheinlich </span></div><div class=\"ps3355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, dass der RBI daraus k\u00fcnftig ein wirtschaftlicher Nutzen entsteht, und die Herstellungskosten verl\u00e4sslich ermittelt werden </span></div><div class=\"ps3356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen. Kosten f\u00fcr Forschungsaktivit\u00e4ten werden in der Periode, in der sie anfallen, als Aufwand erfasst. </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein selbst erstellter immaterieller Verm\u00f6genswert, der sich aus der Entwicklungst\u00e4tigkeit oder aus der Entwicklungsphase eines </span></div><div class=\"ps5146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Projekts ergibt, wird dann bilanziert, wenn die folgenden Nachweise erbracht wurden: </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Fertigstellung des immateriellen Verm\u00f6genswerts ist technisch realisierbar, sodass er zur Nutzung oder zum </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verkauf zur Verf\u00fcgung stehen wird. </span></div><div class=\"ps23072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Es besteht die Absicht, den immateriellen Verm\u00f6genswert fertigzustellen sowie ihn zu nutzen oder zu verkaufen. </span></div><div class=\"ps23073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit, den immateriellen Verm\u00f6genswert zu nutzen oder zu verkaufen, ist gegeben. Der immaterielle </span></div><div class=\"ps3363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswert wird voraussichtlich einen k\u00fcnftigen wirtschaftlichen Nutzen erzielen. </span></div><div class=\"ps3364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verf\u00fcgbarkeit ad\u00e4quater technischer, finanzieller und sonstiger Ressourcen, um die Entwicklung abschlie\u00dfen und </span></div><div class=\"ps3365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">den immateriellen Verm\u00f6genswert nutzen oder verkaufen zu k\u00f6nnen, ist gegeben. </span></div><div class=\"ps3366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit zur verl\u00e4sslichen Bestimmung der im Rahmen der Entwicklung des immateriellen Verm\u00f6genswerts </span></div><div class=\"ps3367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zurechenbaren Aufwendungen ist gegeben. </span></div><div class=\"ps23074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Betrag, mit dem ein selbst erstellter immaterieller Verm\u00f6genswert erstmals aktiviert wird, ist die Summe der entstandenen </span></div><div class=\"ps23075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen von dem Tag an, an dem der immaterielle Verm\u00f6genswert die oben genannten Bedingungen erstmals erf\u00fcllt. </span></div><div class=\"ps23076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn ein selbst erstellter immaterieller Verm\u00f6genswert nicht aktiviert werden kann bzw. noch kein immaterieller </span></div><div class=\"ps23077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswert vorliegt, werden die Entwicklungskosten erfolgswirksam in der Periode erfasst, in der sie entstehen. </span></div><div class=\"ps23078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktivierte Entwicklungskosten werden im Konzern in der Regel \u00fcber eine Nutzungsdauer von f\u00fcnf Jahren linear abgeschrieben. </span></div><div class=\"ps23079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die betriebsgew\u00f6hnliche Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten </span></div><div class=\"ps23080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann sich die betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForResearchAndDevelopmentExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-492": {
   "value": "<div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte \u2013 Forschungs- und Entwicklungskosten<span id=\"id5a2b2194d354eb1ae6d41e5446b60b8\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Selbst erstellte immaterielle Verm\u00f6genswerte umfassen ausschlie\u00dflich Software und werden aktiviert, wenn es wahrscheinlich </span></div><div class=\"ps3355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, dass der RBI daraus k\u00fcnftig ein wirtschaftlicher Nutzen entsteht, und die Herstellungskosten verl\u00e4sslich ermittelt werden </span></div><div class=\"ps3356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen. Kosten f\u00fcr Forschungsaktivit\u00e4ten werden in der Periode, in der sie anfallen, als Aufwand erfasst. </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein selbst erstellter immaterieller Verm\u00f6genswert, der sich aus der Entwicklungst\u00e4tigkeit oder aus der Entwicklungsphase eines </span></div><div class=\"ps5146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Projekts ergibt, wird dann bilanziert, wenn die folgenden Nachweise erbracht wurden: </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Fertigstellung des immateriellen Verm\u00f6genswerts ist technisch realisierbar, sodass er zur Nutzung oder zum </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verkauf zur Verf\u00fcgung stehen wird. </span></div><div class=\"ps23072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Es besteht die Absicht, den immateriellen Verm\u00f6genswert fertigzustellen sowie ihn zu nutzen oder zu verkaufen. </span></div><div class=\"ps23073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit, den immateriellen Verm\u00f6genswert zu nutzen oder zu verkaufen, ist gegeben. Der immaterielle </span></div><div class=\"ps3363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswert wird voraussichtlich einen k\u00fcnftigen wirtschaftlichen Nutzen erzielen. </span></div><div class=\"ps3364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verf\u00fcgbarkeit ad\u00e4quater technischer, finanzieller und sonstiger Ressourcen, um die Entwicklung abschlie\u00dfen und </span></div><div class=\"ps3365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">den immateriellen Verm\u00f6genswert nutzen oder verkaufen zu k\u00f6nnen, ist gegeben. </span></div><div class=\"ps3366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die M\u00f6glichkeit zur verl\u00e4sslichen Bestimmung der im Rahmen der Entwicklung des immateriellen Verm\u00f6genswerts </span></div><div class=\"ps3367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zurechenbaren Aufwendungen ist gegeben. </span></div><div class=\"ps23074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Betrag, mit dem ein selbst erstellter immaterieller Verm\u00f6genswert erstmals aktiviert wird, ist die Summe der entstandenen </span></div><div class=\"ps23075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen von dem Tag an, an dem der immaterielle Verm\u00f6genswert die oben genannten Bedingungen erstmals erf\u00fcllt. </span></div><div class=\"ps23076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn ein selbst erstellter immaterieller Verm\u00f6genswert nicht aktiviert werden kann bzw. noch kein immaterieller </span></div><div class=\"ps23077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswert vorliegt, werden die Entwicklungskosten erfolgswirksam in der Periode erfasst, in der sie entstehen. </span></div><div class=\"ps23078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktivierte Entwicklungskosten werden im Konzern in der Regel \u00fcber eine Nutzungsdauer von f\u00fcnf Jahren linear abgeschrieben. </span></div><div class=\"ps23079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die betriebsgew\u00f6hnliche Nutzungsdauer f\u00fcr Software betr\u00e4gt zwischen vier und sechs Jahren. Bei Software-Gro\u00dfprojekten </span></div><div class=\"ps23080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann sich die betriebsgew\u00f6hnliche Nutzungsdauer auch auf einen dar\u00fcberhinausgehenden Zeitraum erstrecken.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfResearchAndDevelopmentExpenseExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-494": {
   "value": "<div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Firmenwerte<span id=\"i28c8c0287f1743b4ae6d48b210189d75\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Buchwert der Firmenwerte sowie die Bruttobetr\u00e4ge und die kumulierten Wertminderungen von Firmenwerten haben sich </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach zahlungsmittelgenerierenden Einheiten wie folgt entwickelt:</span></div><div class=\"ps22331 ss0\"><div class=\"ss1312 ws0 ps519\"><div><table style=\"border-collapse: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:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11230\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23293 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1450\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8738\">RBCZ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23294 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8667\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23295 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5248\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16652\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23297 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23296\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23298 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps791 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23299 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15143 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23301 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23302 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps799 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23303 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23304 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15144 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Verschmelzung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23305 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23306 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps807 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23307 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23308 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15145 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23309 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23310 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23311 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23312 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15147 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23313 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23314 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps821 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23315 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23316 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15148 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23317 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17799\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23318 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23319 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23320 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps15150 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23321 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7916\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23323 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps23322\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7356\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23324 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12638\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13229\">306<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15151 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps62\">442<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23326 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23327 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17715\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps16894\">-63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23328 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps16496\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23329 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps9444\">-305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15152 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps189\">-404<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1313\"><div><div class=\"ps5906 ss1312\"><span class=\"f charStyle-2babd150 ps30\">1 Umgerechnet zum Durchschnittskurs<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss1312\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBCZ: Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23330 ss0\"><div class=\"ss1312 ws0 ps519\"><div><table style=\"border-collapse: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:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23292 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps11230\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23293 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps1450\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8738\">RBCZ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23294 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8667\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23295 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5248\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps16652\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23297 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17799\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23298 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps791 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23299 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23300 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15143 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23301 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23302 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps799 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23303 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23304 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15144 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Verschmelzung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23305 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23306 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps807 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23307 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23308 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15145 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23309 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23310 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps815 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23311 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23312 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15147 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23313 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23314 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps821 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23315 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23316 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #2b2d33;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15148 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23317 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23296\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23318 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps23242\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps827 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps13435\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23319 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps21301\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23320 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps17695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps15150 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps7858\">38<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Bruttobetrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23321 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps22192\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23323 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps23322\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps832 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7275\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23324 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12638\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps15881\">291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15151 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps19584\">425<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1194\"><div><div class=\"ps31 ss715\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23326 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17793\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23327 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps17715\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps838 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps12622\">-61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23328 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps16496\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23329 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps10879\">-290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15152 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps7071\">-387<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:35.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps151 ss1313\"><div><div class=\"ps5906 ss1312\"><span class=\"f charStyle-2babd150 ps30\">1 Umgerechnet zum Durchschnittskurs<span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss1312\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22882 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps22883 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RBCZ: Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div><div class=\"ps22884 ss1312\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitspr\u00fcfung des Firmenwerts<span id=\"iebe7bb4e90ee46d6a69a7c56f4bf2948\"></span></span></div><div class=\"ps23332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden an jedem Bilanzstichtag auf Basis zahlungsmittelgenerierender Einheiten (Cash Generating Units; </span></div><div class=\"ps23333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CGU) auf ihren k\u00fcnftigen wirtschaftlichen Nutzen \u00fcberpr\u00fcft. Eine zahlungsmittelgenerierende Einheit wird vom Management </span></div><div class=\"ps23334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und ist als die kleinste identifizierbare Gruppe von Verm\u00f6genswerten eines Unternehmens definiert, die permanente </span></div><div class=\"ps23335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsmittelzufl\u00fcsse aus der laufenden Nutzung hervorbringt. In der RBI werden alle Segmente gem\u00e4\u00df </span></div><div class=\"ps23336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Segmentberichterstattung als zahlungsmittelgenerierende Einheiten bestimmt. Innerhalb der Segmente bilden rechtlich </span></div><div class=\"ps23337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst\u00e4ndige Einheiten zum Zweck der Wertminderungspr\u00fcfung der Firmenwerte jeweils eine eigene CGU. Dabei wird der </span></div><div class=\"ps23338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der jeweiligen Einheit (einschlie\u00dflich eines zugeordneten Gesch\u00e4fts- oder Firmenwerts) mit dem aus ihr erzielbaren </span></div><div class=\"ps23339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag verglichen. Dieser ist grunds\u00e4tzlich als der h\u00f6here Betrag aus beizulegendem Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Nutzungswert (Value in Use) definiert. Der Nutzungswert basiert auf den erwarteten potenziellen Dividenden, die mit einem </span></div><div class=\"ps23341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoad\u00e4quaten Zinssatz diskontiert werden. Die Sch\u00e4tzung der zuk\u00fcnftigen Ergebnisse erfordert eine Beurteilung der </span></div><div class=\"ps23342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bisherigen sowie der zuk\u00fcnftigen Performance, letztere unter Beachtung der voraussichtlichen Entwicklung der relevanten </span></div><div class=\"ps23343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkte und des gesamtwirtschaftlichen Umfelds.</span></div><div class=\"ps23344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Impairment-Tests der Firmenwerte auf Basis der zahlungsmittelgenerierenden Einheiten beruhen auf einer vom jeweiligen </span></div><div class=\"ps23345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management erstellten und von den zust\u00e4ndigen Organen genehmigten Mehrjahresplanung. Darin wird die mittelfristige </span></div><div class=\"ps23346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsperspektive der CGU unter Ber\u00fccksichtigung der Gesch\u00e4ftsstrategie, der gesamtwirtschaftlichen Rahmenbedingungen </span></div><div class=\"ps23347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bruttoinlandsprodukt, Inflationserwartungen etc.) sowie der jeweiligen Marktverh\u00e4ltnisse abgebildet. Im Anschluss daran </span></div><div class=\"ps23348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt eine Verstetigung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. Die Diskontierung der </span></div><div class=\"ps23349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertungsrelevanten Ertr\u00e4ge, das sind die potenziellen Dividenden, erfolgt mit risikoadaptierten und l\u00e4nderspezifisch </span></div><div class=\"ps23350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Eigenkapitalkostens\u00e4tzen. Diese wurden in Anlehnung an das Capital-Asset-Pricing-Modell ermittelt. Die </span></div><div class=\"ps23351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen Zinssatzparameter (risikoloser Zinssatz, Inflationsdifferenz, Marktrisikopr\u00e4mie, l\u00e4nderspezifische Risiken und Beta-</span></div><div class=\"ps23352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren) wurden mithilfe externer Informationsquellen festgelegt. Der gesamte Planungshorizont wird in drei Phasen </span></div><div class=\"ps23353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgeteilt, wobei sich die Phase I auf den Planungszeitraum des Managements von drei Jahren erstreckt. In der Phase II, die </span></div><div class=\"ps23354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere zwei Jahre umfasst, wird die Detailplanung unter Beachtung von gesamtwirtschaftlichen Plandaten extrapoliert. In der </span></div><div class=\"ps23355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Phase III erfolgt die Verstetigung der Ertragserwartung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. </span></div><div class=\"ps23356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden Firmenwerte auch unterj\u00e4hrig auf Werthaltigkeit \u00fcberpr\u00fcft, falls ein Wertminderungsgrund vorliegt.</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Wesentliche Annahmen<span id=\"if0d0927e068b4fb08d177c6cf136db5b\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:205.5pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps13479 ss1315\"><div><div class=\"ps31 ss1314\"><span class=\"f charStyle-1dbd4d87 ps21989\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps6351 ss1315\"><div><div class=\"ps31 ss1314\"><span class=\"f charStyle-1dbd4d87 ps23262\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittelgenerierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1925\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21296 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1920\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23358 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps584\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23359 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1925\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23360 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps1920\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23362 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps23361\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Diskontierungszinss\u00e4tze (nach Steuern)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1081\"></span><span class=\"ps1081\">9,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23363 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8432\"></span><span class=\"ps8432\">14,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23364 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11053\"></span><span class=\"ps11053\">10,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20440 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1870\"></span><span class=\"ps1870\">10,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23365 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9711\"></span><span class=\"ps9711\">15,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23367 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23366\"></span><span class=\"ps23366\">11,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-375ad3a6 ps30\">Wachstumsraten in Phase I und II (5 Jahre) p.a.\u00b9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17540\"></span><span class=\"ps17540\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23368 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12461\"></span><span class=\"ps12461\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23370 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps23369\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20450 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23371 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23372 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps23369\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1317\"><div><div class=\"ps31 ss1316\"><span class=\"f charStyle-375ad3a6 ps30\">Wachstumsraten in Phase III (ewige Rente) p.a.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23375 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20459 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23376 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21200\"></span><span class=\"ps21200\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23377 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23373\"></span><span class=\"ps23373\">2,0 %</span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1318\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 Die Wachstumsraten basieren auf der zuk\u00fcnftigen Entwicklung der Aussch\u00fcttungen bereinigt um unregelm\u00e4\u00dfige Aussch\u00fcttungen aufgrund des wirtschaftlichen Umfelds.<span class=\"f ps24\"> </span></span></div><div class=\"ps23378 ss700\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps23379 ss700\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps23380 ss700\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23393 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:123.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps30\">Zahlungsmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps30\">generierende Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23382 ss903\"><div><div class=\"ps516 ss902\"><span class=\"f charStyle-1dbd4d87 ps30\">Wesentliche Annahmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss903\"><div><div class=\"ps516 ss902\"><span class=\"f charStyle-1dbd4d87 ps30\">Managementansatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss903\"><div><div class=\"ps516 ss902\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikoeinsch\u00e4tzung<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:68.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1320\"><div><div class=\"ps264 ss1236\"><span class=\"f charStyle-375ad3a6 ps30\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23384 ss1321\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">RKAG ist eine der f\u00fchrenden \u00f6sterreichischen </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalgesellschaften, ist seit Jahren <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">international t\u00e4tig und bekannter Akteur in </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">zahlreichen europ\u00e4ischen L\u00e4ndern. Es wird </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">von einer stabilen Entwicklung ausgegangen. <span class=\"f ps24\"> </span></span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Weiters werden h\u00f6here Margen besonders im </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">ESG-Umfeld erwartet. Die </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Verwaltungsaufwendungen bleiben stabil bis </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">auf leichte Erh\u00f6hungen im IT-Bereich.</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23385 ss1321\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Die Annahmen der Planung basieren auf <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">internen und auf externen Quellen. </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Makro\u00f6konomische Annahmen der Research-</span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Abteilung wurden mit Daten auf externen <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Quellen und dem F\u00fcnf-Jahres-Plan verglichen </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">und den Managern des Unternehmens </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">pr\u00e4sentiert. Die Planung wurde vom </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Aufsichtsrat genehmigt.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23386 ss1321\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Das Hauptrisiko der Ertr\u00e4ge liegt in der <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Entwicklung des Fondsvolumens, welches <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">wiederum vom Markt und dessen </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Entwicklung abh\u00e4ngt. Weitere </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Einflussfaktoren bestehen in k\u00fcnftigen </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Absatzkapazit\u00e4ten, der Asset Allokation der </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Kunden und der H\u00f6he der erzielbaren </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Margen.</span></div></div></div></td></tr><tr style=\"height:54pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6008 ss1322\"><div><div class=\"ps264 ss1236\"><span class=\"f charStyle-375ad3a6 ps30\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23387 ss1323\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Serbien ist eines der Fokusl\u00e4nder f\u00fcr die </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Gruppe. F\u00fcr 2026 wird ein Marktwachstum <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">von 6,9 Prozent in Corporate und 5,8 Prozent </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">in Retail erwartet. Die Margen sind aufgrund <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">der Zinserwartungen leicht r\u00fcckl\u00e4ufig </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">geplant, w\u00e4hrend die Gewinne stabil bleiben. </span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23388 ss1323\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Die Annahmen basieren sowohl auf internen <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">als auch auf externen Quellen. </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Makro\u00f6konomische Annahmen der Research-</span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">Abteilung wurden mit dem Daten von <span class=\"f ps24\"> </span></span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">externen Quellen und dem F\u00fcnf-Jahres-Plan </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">verglichen, dem Vorstand pr\u00e4sentiert und </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-375ad3a6 ps30\">vom Aufsichtsrat genehmigt.</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23389 ss1323\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Die Referenzzinss\u00e4tze werden r\u00fcckl\u00e4ufig von </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">5,4 Prozent f\u00fcr 2026 auf 4,6 Prozent f\u00fcr 2027 </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">angenommen. Damit sinkt auch das <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Nettozinsergebnis zuk\u00fcnftig. Das </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Ergebnisrisiko betrifft haupts\u00e4chlich die Zins- </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">und Margenentwicklung des Portfolios. </span></div></div></div></td></tr><tr style=\"height:147pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps10865 ss1324\"><div><div class=\"ps264 ss1236\"><span class=\"f charStyle-375ad3a6 ps30\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23390 ss1325\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Der Markt f\u00fcr Zahlungsdienstleister (PSP) in </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Zentral- und Osteuropa ist aufgrund des <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">wachsenden E-Commerce, der steigenden <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Nachfrage nach digitalen Zahlungen und </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">staatlicher F\u00f6rderprogramme f\u00fcr bargeldlose </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Transaktionen deutlich gewachsen. </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Technologische Fortschritte wie mobile </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Zahlungen und digitale Geldb\u00f6rsen tragen </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">ebenfalls zu diesem Wachstum bei. Der Markt </span></div><div class=\"ps5397 ss902\"><span class=\"f charStyle-6d404c82 ps30\">wird zunehmend wettbewerbsintensiver, da </span></div><div class=\"ps5420 ss902\"><span class=\"f charStyle-6d404c82 ps30\">lokale und internationale PSP expandieren </span></div><div class=\"ps5421 ss902\"><span class=\"f charStyle-6d404c82 ps30\">und traditionelle Banken Geb\u00fchren und </span></div><div class=\"ps5422 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Devisenmargen senken, um </span></div><div class=\"ps5465 ss902\"><span class=\"f charStyle-6d404c82 ps30\">wettbewerbsf\u00e4hig zu bleiben. Vor diesem </span></div><div class=\"ps5466 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Hintergrund hat Akcenta ihre Strategie 2027 </span></div><div class=\"ps15203 ss902\"><span class=\"f charStyle-6d404c82 ps30\">ins Leben gerufen, die die digitale </span></div><div class=\"ps23012 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Transformation mit einem neuen IT-</span></div><div class=\"ps23013 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Kernsystem fortsetzt und sich auf schnellere, </span></div><div class=\"ps23014 ss902\"><span class=\"f charStyle-6d404c82 ps30\">transparentere und einfachere Services </span></div><div class=\"ps23015 ss902\"><span class=\"f charStyle-6d404c82 ps30\">konzentriert. </span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23391 ss1325\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Akcenta bietet wettbewerbsf\u00e4hige Kurse und </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">niedrigere Geb\u00fchren als traditionelle <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Finanzinstitute. Das Unternehmen <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">unterst\u00fctzt KMU dabei, von g\u00fcnstigen </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Wechselkursen zu profitieren und bietet </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Instrumente wie Terminkontrakte, Optionen </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">und Hedging zur Reduzierung von </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">W\u00e4hrungsrisiken. Akcenta begleitet KMUs </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">durch die komplexen Abl\u00e4ufe des </span></div><div class=\"ps5397 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Devisenhandels und erm\u00f6glicht ihnen ein </span></div><div class=\"ps5420 ss902\"><span class=\"f charStyle-6d404c82 ps30\">effektives internationales </span></div><div class=\"ps5421 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Transaktionsmanagement. Der Mehrwert </span></div><div class=\"ps5422 ss902\"><span class=\"f charStyle-6d404c82 ps30\">liegt in den kosteng\u00fcnstigen und </span></div><div class=\"ps5465 ss902\"><span class=\"f charStyle-6d404c82 ps30\">komfortablen Devisenl\u00f6sungen, die es KMUs <span class=\"f ps24\"> </span></span></div><div class=\"ps5466 ss902\"><span class=\"f charStyle-6d404c82 ps30\">erlauben, sich auf ihr Kerngesch\u00e4ft zu </span></div><div class=\"ps15203 ss902\"><span class=\"f charStyle-6d404c82 ps30\">konzentrieren. </span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23392 ss1325\"><div><div class=\"ps264 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Aufgrund der soliden und nachhaltigen </span></div><div class=\"ps265 ss902\"><span class=\"f charStyle-6d404c82 ps30\">finanziellen Performance mit der </span></div><div class=\"ps3019 ss902\"><span class=\"f charStyle-6d404c82 ps30\">einhergehenden Erzielung von Gewinnen, </span></div><div class=\"ps3704 ss902\"><span class=\"f charStyle-6d404c82 ps30\">verf\u00fcgt Akcenta \u00fcber eine solide finanzielle </span></div><div class=\"ps3750 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Basis, die die regulatorischen </span></div><div class=\"ps3751 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Kapitalanforderungen deutlich \u00fcbertrifft. </span></div><div class=\"ps5394 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Akcenta h\u00e4lt sich strikt an Compliance- und </span></div><div class=\"ps5395 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Regulierungsstandards um die Sicherheit und </span></div><div class=\"ps5396 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Integrit\u00e4t seiner Gesch\u00e4ftst\u00e4tigkeiten </span></div><div class=\"ps5397 ss902\"><span class=\"f charStyle-6d404c82 ps30\">sicherzustellen. Dies beinhaltet die <span class=\"f ps24\"> </span></span></div><div class=\"ps5420 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Umsetzung von Ma\u00dfnahmen zur </span></div><div class=\"ps5421 ss902\"><span class=\"f charStyle-6d404c82 ps30\">Verhinderung von Geldw\u00e4sche, Betrug und </span></div><div class=\"ps5422 ss902\"><span class=\"f charStyle-6d404c82 ps30\">anderen finanziellen Risiken.</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"2\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps6573 ss1326\"><div><div class=\"ps3120 ss719\"><span class=\"f charStyle-073efae3 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)</span></div><div class=\"ps21850 ss719\"><span class=\"f charStyle-073efae3 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)</span></div><div class=\"ps21851 ss719\"><span class=\"f charStyle-073efae3 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)</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></tbody></table></div></div></div><div class=\"ps23395 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sensitivit\u00e4tsanalyse<span id=\"i0236d126ed5641feae1eb14fef4fac28\"></span></span></div><div class=\"ps23396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um die Stabilit\u00e4t der Ergebnisse der Werthaltigkeitspr\u00fcfung der Firmenwerte zu testen, wurde basierend auf den oben </span></div><div class=\"ps23397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angef\u00fchrten Pr\u00e4missen eine Sensitivit\u00e4tsanalyse vorgenommen. Aus mehreren M\u00f6glichkeiten wurden f\u00fcr diese Analyse die </span></div><div class=\"ps23398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenkapitalkosten als relevanter Parameter ausgew\u00e4hlt. Die nachstehend angef\u00fchrte \u00dcbersicht veranschaulicht, um welches </span></div><div class=\"ps23399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausma\u00df sich der Eigenkapitalkostensatz erh\u00f6hen k\u00f6nnte, ohne dass der Nutzungswert (Value in Use) der </span></div><div class=\"ps23400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zahlungsmittelgenerierenden Einheiten unter den jeweiligen Buchwert (Eigenkapital zuz\u00fcglich Firmenwert) absinkt. </span></div><div class=\"ps23410 ss0\"><div class=\"ss942 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps23401 ss1328\"><div><div class=\"ps31 ss1327\"><span class=\"f charStyle-1dbd4d87 ps21456\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps21289 ss1328\"><div><div class=\"ps31 ss1327\"><span class=\"f charStyle-1dbd4d87 ps23402\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1329\"><div><div class=\"ps31 ss653\"><span class=\"f charStyle-1dbd4d87 ps30\">Maximale Sensitivit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23403 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps8667\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps6458\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23404 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5272\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps21297 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps10376\">RKAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23405 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps6458\">RBRS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps50 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-1dbd4d87 ps5272\">AKCENTA<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1329\"><div><div class=\"ps31 ss653\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung des Diskontierungszinssatzes<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23406 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps9405\">22,2 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11927\">12,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23407 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps18551\">0,99 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23408 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps11454\">22,8 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23409 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps84\">7,1 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps63 ss1229\"><div><div class=\"ps31 ss684\"><span class=\"f charStyle-375ad3a6 ps13116\">1,19 PP<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1330\"><div><div class=\"ps16905 ss942\"><span class=\"f charStyle-2babd150 ps30\">RKAG: Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss942\"><span class=\"f charStyle-2babd150 ps30\">RBRS: Raiffeisen banka a.d., Belgrad (RS)<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss942\"><span class=\"f charStyle-2babd150 ps30\">AKCENTA: Akcenta CZ a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-496": {
   "value": "<div class=\"ps23331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitspr\u00fcfung des Firmenwerts<span id=\"iebe7bb4e90ee46d6a69a7c56f4bf2948\"></span></span></div><div class=\"ps23332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden an jedem Bilanzstichtag auf Basis zahlungsmittelgenerierender Einheiten (Cash Generating Units; </span></div><div class=\"ps23333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CGU) auf ihren k\u00fcnftigen wirtschaftlichen Nutzen \u00fcberpr\u00fcft. Eine zahlungsmittelgenerierende Einheit wird vom Management </span></div><div class=\"ps23334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und ist als die kleinste identifizierbare Gruppe von Verm\u00f6genswerten eines Unternehmens definiert, die permanente </span></div><div class=\"ps23335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsmittelzufl\u00fcsse aus der laufenden Nutzung hervorbringt. In der RBI werden alle Segmente gem\u00e4\u00df </span></div><div class=\"ps23336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Segmentberichterstattung als zahlungsmittelgenerierende Einheiten bestimmt. Innerhalb der Segmente bilden rechtlich </span></div><div class=\"ps23337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst\u00e4ndige Einheiten zum Zweck der Wertminderungspr\u00fcfung der Firmenwerte jeweils eine eigene CGU. Dabei wird der </span></div><div class=\"ps23338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der jeweiligen Einheit (einschlie\u00dflich eines zugeordneten Gesch\u00e4fts- oder Firmenwerts) mit dem aus ihr erzielbaren </span></div><div class=\"ps23339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag verglichen. Dieser ist grunds\u00e4tzlich als der h\u00f6here Betrag aus beizulegendem Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Nutzungswert (Value in Use) definiert. Der Nutzungswert basiert auf den erwarteten potenziellen Dividenden, die mit einem </span></div><div class=\"ps23341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoad\u00e4quaten Zinssatz diskontiert werden. Die Sch\u00e4tzung der zuk\u00fcnftigen Ergebnisse erfordert eine Beurteilung der </span></div><div class=\"ps23342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bisherigen sowie der zuk\u00fcnftigen Performance, letztere unter Beachtung der voraussichtlichen Entwicklung der relevanten </span></div><div class=\"ps23343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkte und des gesamtwirtschaftlichen Umfelds.</span></div><div class=\"ps23344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Impairment-Tests der Firmenwerte auf Basis der zahlungsmittelgenerierenden Einheiten beruhen auf einer vom jeweiligen </span></div><div class=\"ps23345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management erstellten und von den zust\u00e4ndigen Organen genehmigten Mehrjahresplanung. Darin wird die mittelfristige </span></div><div class=\"ps23346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsperspektive der CGU unter Ber\u00fccksichtigung der Gesch\u00e4ftsstrategie, der gesamtwirtschaftlichen Rahmenbedingungen </span></div><div class=\"ps23347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bruttoinlandsprodukt, Inflationserwartungen etc.) sowie der jeweiligen Marktverh\u00e4ltnisse abgebildet. Im Anschluss daran </span></div><div class=\"ps23348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt eine Verstetigung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. Die Diskontierung der </span></div><div class=\"ps23349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertungsrelevanten Ertr\u00e4ge, das sind die potenziellen Dividenden, erfolgt mit risikoadaptierten und l\u00e4nderspezifisch </span></div><div class=\"ps23350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Eigenkapitalkostens\u00e4tzen. Diese wurden in Anlehnung an das Capital-Asset-Pricing-Modell ermittelt. Die </span></div><div class=\"ps23351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen Zinssatzparameter (risikoloser Zinssatz, Inflationsdifferenz, Marktrisikopr\u00e4mie, l\u00e4nderspezifische Risiken und Beta-</span></div><div class=\"ps23352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren) wurden mithilfe externer Informationsquellen festgelegt. Der gesamte Planungshorizont wird in drei Phasen </span></div><div class=\"ps23353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgeteilt, wobei sich die Phase I auf den Planungszeitraum des Managements von drei Jahren erstreckt. In der Phase II, die </span></div><div class=\"ps23354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere zwei Jahre umfasst, wird die Detailplanung unter Beachtung von gesamtwirtschaftlichen Plandaten extrapoliert. In der </span></div><div class=\"ps23355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Phase III erfolgt die Verstetigung der Ertragserwartung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. </span></div><div class=\"ps23356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden Firmenwerte auch unterj\u00e4hrig auf Werthaltigkeit \u00fcberpr\u00fcft, falls ein Wertminderungsgrund vorliegt.</span></div><div class=\"ps28777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Unternehmenserwerbe<span id=\"id0a0473ba2084a72939adf641cab9bf9\"></span></span></div><div class=\"ps28778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Erwerb von Gesch\u00e4ftsbetrieben wird nach der Erwerbsmethode bilanziert. Die bei einem Unternehmenszusammenschluss </span></div><div class=\"ps28779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbertragene Gegenleistung wird zum beizulegenden Zeitwert bewertet. Dieser bestimmt sich aus der Summe der zum </span></div><div class=\"ps28780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erwerbszeitpunkt g\u00fcltigen beizulegenden Zeitwerte der \u00fcbertragenen Verm\u00f6genswerte, der von den fr\u00fcheren Eigent\u00fcmer:innen </span></div><div class=\"ps28781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des erworbenen Unternehmens \u00fcbernommenen Schulden und der vom Konzern emittierten Eigenkapitalinstrumente im </span></div><div class=\"ps28782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Austausch gegen die Beherrschung des erworbenen Unternehmens. Mit dem Unternehmenszusammenschluss verbundene </span></div><div class=\"ps28783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionskosten werden bei Anfall erfolgswirksam erfasst.</span></div><div class=\"ps28784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Gesch\u00e4fts- oder Firmenwert ergibt sich als \u00dcberschuss der Summe aus der \u00fcbertragenen Gegenleistung, dem Betrag aller </span></div><div class=\"ps28785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht beherrschenden Anteile an dem erworbenen Unternehmen und dem beizulegenden Zeitwert des zuvor vom Erwerber </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gehaltenen Eigenkapitalanteils an dem erworbenen Unternehmen (sofern gegeben) \u00fcber den Saldo der zum Erwerbszeitpunkt </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelten beizulegenden Zeitwerte der erworbenen identifizierbaren Verm\u00f6genswerte und der \u00fcbernommenen Schulden. F\u00fcr </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Fall, dass sich \u2013 auch nach nochmaliger Beurteilung \u2013 ein negativer Unterschiedsbetrag ergibt, wird dieser unmittelbar als </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertrag in der Erfolgsrechnung erfasst.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteile nicht beherrschender Gesellschafter, die gegenw\u00e4rtig Eigentumsrechte vermitteln und dem Inhaber im Fall der </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidation das Recht gew\u00e4hren, einen proportionalen Anteil am Nettoverm\u00f6gen des Unternehmens zu erhalten, werden bei </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugang entweder zum beizulegenden Zeitwert oder zum entsprechenden Anteil des identifizierbaren Nettoverm\u00f6gens </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet. Dieses Wahlrecht kann bei jedem Unternehmenszusammenschluss neu ausge\u00fcbt werden. Andere Komponenten von </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteilen nicht beherrschender Gesellschafter werden mit ihren beizulegenden Zeitwerten oder den Wertma\u00dfst\u00e4ben bewertet, </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die sich aus anderen Standards ergeben. </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Enth\u00e4lt die \u00fcbertragene Gegenleistung eine bedingte Gegenleistung, wird diese mit dem zum Erwerbszeitpunkt geltenden </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert bewertet. Handelt es sich bei der bedingten Gegenleistung um Eigenkapital, erfolgt keine </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Folgebewertung an nachfolgenden Abschlussstichtagen; ihre Erf\u00fcllung wird innerhalb des Eigenkapitals bilanziert. Eine </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bedingte Gegenleistung, die einen Verm\u00f6genswert oder eine Schuld darstellt, wird an nachfolgenden Abschlussstichtagen zum </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert bewertet und ein resultierender Gewinn oder Verlust in der Erfolgsrechnung erfasst.</span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassungen der Bewertung oder der zus\u00e4tzliche Ansatz weiterer Verm\u00f6genswerte und Schulden, um zus\u00e4tzliche </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen \u00fcber Fakten und Umst\u00e4nde widerzuspiegeln, die bereits zum Erwerbszeitpunkt bestanden, werden innerhalb des </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungszeitraums r\u00fcckwirkend korrigiert und entsprechend gegen den Gesch\u00e4fts- oder Firmenwert gebucht. Der </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungszeitraum darf ein Jahr vom Erwerbszeitpunkt an nicht \u00fcberschreiten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-495": {
   "value": "<div class=\"ps23331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Werthaltigkeitspr\u00fcfung des Firmenwerts<span id=\"iebe7bb4e90ee46d6a69a7c56f4bf2948\"></span></span></div><div class=\"ps23332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Firmenwerte werden an jedem Bilanzstichtag auf Basis zahlungsmittelgenerierender Einheiten (Cash Generating Units; </span></div><div class=\"ps23333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CGU) auf ihren k\u00fcnftigen wirtschaftlichen Nutzen \u00fcberpr\u00fcft. Eine zahlungsmittelgenerierende Einheit wird vom Management </span></div><div class=\"ps23334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt und ist als die kleinste identifizierbare Gruppe von Verm\u00f6genswerten eines Unternehmens definiert, die permanente </span></div><div class=\"ps23335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsmittelzufl\u00fcsse aus der laufenden Nutzung hervorbringt. In der RBI werden alle Segmente gem\u00e4\u00df </span></div><div class=\"ps23336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Segmentberichterstattung als zahlungsmittelgenerierende Einheiten bestimmt. Innerhalb der Segmente bilden rechtlich </span></div><div class=\"ps23337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst\u00e4ndige Einheiten zum Zweck der Wertminderungspr\u00fcfung der Firmenwerte jeweils eine eigene CGU. Dabei wird der </span></div><div class=\"ps23338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der jeweiligen Einheit (einschlie\u00dflich eines zugeordneten Gesch\u00e4fts- oder Firmenwerts) mit dem aus ihr erzielbaren </span></div><div class=\"ps23339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag verglichen. Dieser ist grunds\u00e4tzlich als der h\u00f6here Betrag aus beizulegendem Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Nutzungswert (Value in Use) definiert. Der Nutzungswert basiert auf den erwarteten potenziellen Dividenden, die mit einem </span></div><div class=\"ps23341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoad\u00e4quaten Zinssatz diskontiert werden. Die Sch\u00e4tzung der zuk\u00fcnftigen Ergebnisse erfordert eine Beurteilung der </span></div><div class=\"ps23342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bisherigen sowie der zuk\u00fcnftigen Performance, letztere unter Beachtung der voraussichtlichen Entwicklung der relevanten </span></div><div class=\"ps23343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkte und des gesamtwirtschaftlichen Umfelds.</span></div><div class=\"ps23344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Impairment-Tests der Firmenwerte auf Basis der zahlungsmittelgenerierenden Einheiten beruhen auf einer vom jeweiligen </span></div><div class=\"ps23345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management erstellten und von den zust\u00e4ndigen Organen genehmigten Mehrjahresplanung. Darin wird die mittelfristige </span></div><div class=\"ps23346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsperspektive der CGU unter Ber\u00fccksichtigung der Gesch\u00e4ftsstrategie, der gesamtwirtschaftlichen Rahmenbedingungen </span></div><div class=\"ps23347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bruttoinlandsprodukt, Inflationserwartungen etc.) sowie der jeweiligen Marktverh\u00e4ltnisse abgebildet. Im Anschluss daran </span></div><div class=\"ps23348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt eine Verstetigung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. Die Diskontierung der </span></div><div class=\"ps23349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertungsrelevanten Ertr\u00e4ge, das sind die potenziellen Dividenden, erfolgt mit risikoadaptierten und l\u00e4nderspezifisch </span></div><div class=\"ps23350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Eigenkapitalkostens\u00e4tzen. Diese wurden in Anlehnung an das Capital-Asset-Pricing-Modell ermittelt. Die </span></div><div class=\"ps23351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen Zinssatzparameter (risikoloser Zinssatz, Inflationsdifferenz, Marktrisikopr\u00e4mie, l\u00e4nderspezifische Risiken und Beta-</span></div><div class=\"ps23352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren) wurden mithilfe externer Informationsquellen festgelegt. Der gesamte Planungshorizont wird in drei Phasen </span></div><div class=\"ps23353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgeteilt, wobei sich die Phase I auf den Planungszeitraum des Managements von drei Jahren erstreckt. In der Phase II, die </span></div><div class=\"ps23354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere zwei Jahre umfasst, wird die Detailplanung unter Beachtung von gesamtwirtschaftlichen Plandaten extrapoliert. In der </span></div><div class=\"ps23355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Phase III erfolgt die Verstetigung der Ertragserwartung unter Zugrundelegung eines zeitlich unbefristeten Fortbestands. </span></div><div class=\"ps23356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden Firmenwerte auch unterj\u00e4hrig auf Werthaltigkeit \u00fcberpr\u00fcft, falls ein Wertminderungsgrund vorliegt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-501": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(26) Sonstige Aktiva<span id=\"i2955f0b575a9439c9ce3ff2ec7e1489c\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">395<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21914\">340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorr\u00e4te und Aufwendungen f\u00fcr noch nicht abrechenbare Leistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18450\">201<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">781<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20060\">1.095<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21601\">1.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23412\">1.645<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span id=\"if04ae4b330374c03a0ff3d9c4faaf064\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte oder Ver\u00e4u\u00dferungsgruppen werden als zur Ver\u00e4u\u00dferung gehalten klassifiziert, wenn der </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeh\u00f6rige Buchwert \u00fcberwiegend durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgesetzte Nutzung realisiert wird. Diese </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingung wird nur dann als erf\u00fcllt angesehen, wenn die Ver\u00e4u\u00dferung hoch wahrscheinlich ist, der Verm\u00f6genswert (oder die </span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppe) in seiner (ihrer) Beschaffenheit f\u00fcr einen sofortigen Verkauf verf\u00fcgbar ist und das Management einen </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Plan f\u00fcr den Verkauf des Verm\u00f6genswerts (oder der Ver\u00e4u\u00dferungsgruppe) beschlossen hat. Weiters muss es h\u00f6chst <span class=\"f ps24\"> </span></span></div><div class=\"ps23419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich sein, dass der Ver\u00e4u\u00dferungsvorgang innerhalb von zw\u00f6lf Monaten ab dem Zeitpunkt der Einstufung </span></div><div class=\"ps23420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen wird.</span></div><div class=\"ps23421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen, die als zur Ver\u00e4u\u00dferung gehalten klassifiziert sind, werden zum <span class=\"f ps24\"> </span></span></div><div class=\"ps23422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niedrigeren Betrag aus ihrem urspr\u00fcnglichen Buchwert bzw. dem beizulegenden Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und unter dem Posten zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps23424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Ergebnisse aus als zur Ver\u00e4u\u00dferung gehalten klassifizierten langfristigen Verm\u00f6genswerten oder </span></div><div class=\"ps23425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppen werden im \u00fcbrigen Ergebnis erfasst. Sollte der Wertminderungsaufwand der Ver\u00e4u\u00dferungsgruppe den <span class=\"f ps24\"> </span></span></div><div class=\"ps23426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der Verm\u00f6genswerte, die in den Anwendungsbereich des IFRS 5 fallen, \u00fcbersteigen, gibt es in den IFRS keine spezielle </span></div><div class=\"ps23427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelung hinsichtlich der Behandlung dieser Differenz. Gem\u00e4\u00df der internen Bilanzierungsrichtlinien w\u00fcrde diese Differenz im </span></div><div class=\"ps23428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzposten R\u00fcckstellungen unter R\u00fcckstellungen f\u00fcr belastende Vertr\u00e4ge erfasst werden.</span></div><div class=\"ps23429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den Fall, dass der Vorstand einen Plan f\u00fcr den Verkauf beschlossen hat, und die oben genannten Voraussetzungen daf\u00fcr </span></div><div class=\"ps23430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllt sind, werden s\u00e4mtliche Verm\u00f6genswerte und Schulden dieses Tochterunternehmens als zur Ver\u00e4u\u00dferung gehalten </span></div><div class=\"ps23431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Dies gilt unabh\u00e4ngig davon, ob der Konzern nach der Ver\u00e4u\u00dferung einen nicht beherrschenden Anteil an dem </span></div><div class=\"ps23432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fr\u00fcheren Tochterunternehmen zur\u00fcckbeh\u00e4lt oder nicht. Ergebnisse von aufgegebenen Gesch\u00e4ftsbereichen werden separat als </span></div><div class=\"ps23433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen in der Erfolgsrechnung ausgewiesen</span></div><div class=\"ps23434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen enth\u00e4lt drei Immobilien in </span></div><div class=\"ps23435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien. Im Vorjahr wurde eine Immobilie in Serbien unter diesem Posten ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-500": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(26) Sonstige Aktiva<span id=\"i2955f0b575a9439c9ce3ff2ec7e1489c\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">395<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21914\">340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorr\u00e4te und Aufwendungen f\u00fcr noch nicht abrechenbare Leistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18450\">201<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">781<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20060\">1.095<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21601\">1.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23412\">1.645<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span id=\"if04ae4b330374c03a0ff3d9c4faaf064\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte oder Ver\u00e4u\u00dferungsgruppen werden als zur Ver\u00e4u\u00dferung gehalten klassifiziert, wenn der </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeh\u00f6rige Buchwert \u00fcberwiegend durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgesetzte Nutzung realisiert wird. Diese </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingung wird nur dann als erf\u00fcllt angesehen, wenn die Ver\u00e4u\u00dferung hoch wahrscheinlich ist, der Verm\u00f6genswert (oder die </span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppe) in seiner (ihrer) Beschaffenheit f\u00fcr einen sofortigen Verkauf verf\u00fcgbar ist und das Management einen </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Plan f\u00fcr den Verkauf des Verm\u00f6genswerts (oder der Ver\u00e4u\u00dferungsgruppe) beschlossen hat. Weiters muss es h\u00f6chst <span class=\"f ps24\"> </span></span></div><div class=\"ps23419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich sein, dass der Ver\u00e4u\u00dferungsvorgang innerhalb von zw\u00f6lf Monaten ab dem Zeitpunkt der Einstufung </span></div><div class=\"ps23420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen wird.</span></div><div class=\"ps23421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen, die als zur Ver\u00e4u\u00dferung gehalten klassifiziert sind, werden zum <span class=\"f ps24\"> </span></span></div><div class=\"ps23422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niedrigeren Betrag aus ihrem urspr\u00fcnglichen Buchwert bzw. dem beizulegenden Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und unter dem Posten zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps23424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Ergebnisse aus als zur Ver\u00e4u\u00dferung gehalten klassifizierten langfristigen Verm\u00f6genswerten oder </span></div><div class=\"ps23425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppen werden im \u00fcbrigen Ergebnis erfasst. Sollte der Wertminderungsaufwand der Ver\u00e4u\u00dferungsgruppe den <span class=\"f ps24\"> </span></span></div><div class=\"ps23426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der Verm\u00f6genswerte, die in den Anwendungsbereich des IFRS 5 fallen, \u00fcbersteigen, gibt es in den IFRS keine spezielle </span></div><div class=\"ps23427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelung hinsichtlich der Behandlung dieser Differenz. Gem\u00e4\u00df der internen Bilanzierungsrichtlinien w\u00fcrde diese Differenz im </span></div><div class=\"ps23428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzposten R\u00fcckstellungen unter R\u00fcckstellungen f\u00fcr belastende Vertr\u00e4ge erfasst werden.</span></div><div class=\"ps23429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den Fall, dass der Vorstand einen Plan f\u00fcr den Verkauf beschlossen hat, und die oben genannten Voraussetzungen daf\u00fcr </span></div><div class=\"ps23430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllt sind, werden s\u00e4mtliche Verm\u00f6genswerte und Schulden dieses Tochterunternehmens als zur Ver\u00e4u\u00dferung gehalten </span></div><div class=\"ps23431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Dies gilt unabh\u00e4ngig davon, ob der Konzern nach der Ver\u00e4u\u00dferung einen nicht beherrschenden Anteil an dem </span></div><div class=\"ps23432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fr\u00fcheren Tochterunternehmen zur\u00fcckbeh\u00e4lt oder nicht. Ergebnisse von aufgegebenen Gesch\u00e4ftsbereichen werden separat als </span></div><div class=\"ps23433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen in der Erfolgsrechnung ausgewiesen</span></div><div class=\"ps23434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen enth\u00e4lt drei Immobilien in </span></div><div class=\"ps23435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien. Im Vorjahr wurde eine Immobilie in Serbien unter diesem Posten ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-499": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(26) Sonstige Aktiva<span id=\"i2955f0b575a9439c9ce3ff2ec7e1489c\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">395<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21914\">340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorr\u00e4te und Aufwendungen f\u00fcr noch nicht abrechenbare Leistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18450\">201<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">781<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20060\">1.095<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21601\">1.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23412\">1.645<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span id=\"if04ae4b330374c03a0ff3d9c4faaf064\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte oder Ver\u00e4u\u00dferungsgruppen werden als zur Ver\u00e4u\u00dferung gehalten klassifiziert, wenn der </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeh\u00f6rige Buchwert \u00fcberwiegend durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgesetzte Nutzung realisiert wird. Diese </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingung wird nur dann als erf\u00fcllt angesehen, wenn die Ver\u00e4u\u00dferung hoch wahrscheinlich ist, der Verm\u00f6genswert (oder die </span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppe) in seiner (ihrer) Beschaffenheit f\u00fcr einen sofortigen Verkauf verf\u00fcgbar ist und das Management einen </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Plan f\u00fcr den Verkauf des Verm\u00f6genswerts (oder der Ver\u00e4u\u00dferungsgruppe) beschlossen hat. Weiters muss es h\u00f6chst <span class=\"f ps24\"> </span></span></div><div class=\"ps23419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich sein, dass der Ver\u00e4u\u00dferungsvorgang innerhalb von zw\u00f6lf Monaten ab dem Zeitpunkt der Einstufung </span></div><div class=\"ps23420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen wird.</span></div><div class=\"ps23421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen, die als zur Ver\u00e4u\u00dferung gehalten klassifiziert sind, werden zum <span class=\"f ps24\"> </span></span></div><div class=\"ps23422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niedrigeren Betrag aus ihrem urspr\u00fcnglichen Buchwert bzw. dem beizulegenden Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und unter dem Posten zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps23424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Ergebnisse aus als zur Ver\u00e4u\u00dferung gehalten klassifizierten langfristigen Verm\u00f6genswerten oder </span></div><div class=\"ps23425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppen werden im \u00fcbrigen Ergebnis erfasst. Sollte der Wertminderungsaufwand der Ver\u00e4u\u00dferungsgruppe den <span class=\"f ps24\"> </span></span></div><div class=\"ps23426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der Verm\u00f6genswerte, die in den Anwendungsbereich des IFRS 5 fallen, \u00fcbersteigen, gibt es in den IFRS keine spezielle </span></div><div class=\"ps23427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelung hinsichtlich der Behandlung dieser Differenz. Gem\u00e4\u00df der internen Bilanzierungsrichtlinien w\u00fcrde diese Differenz im </span></div><div class=\"ps23428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzposten R\u00fcckstellungen unter R\u00fcckstellungen f\u00fcr belastende Vertr\u00e4ge erfasst werden.</span></div><div class=\"ps23429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den Fall, dass der Vorstand einen Plan f\u00fcr den Verkauf beschlossen hat, und die oben genannten Voraussetzungen daf\u00fcr </span></div><div class=\"ps23430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllt sind, werden s\u00e4mtliche Verm\u00f6genswerte und Schulden dieses Tochterunternehmens als zur Ver\u00e4u\u00dferung gehalten </span></div><div class=\"ps23431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Dies gilt unabh\u00e4ngig davon, ob der Konzern nach der Ver\u00e4u\u00dferung einen nicht beherrschenden Anteil an dem </span></div><div class=\"ps23432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fr\u00fcheren Tochterunternehmen zur\u00fcckbeh\u00e4lt oder nicht. Ergebnisse von aufgegebenen Gesch\u00e4ftsbereichen werden separat als </span></div><div class=\"ps23433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen in der Erfolgsrechnung ausgewiesen</span></div><div class=\"ps23434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen enth\u00e4lt drei Immobilien in </span></div><div class=\"ps23435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien. Im Vorjahr wurde eine Immobilie in Serbien unter diesem Posten ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInventoriesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-498": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(26) Sonstige Aktiva<span id=\"i2955f0b575a9439c9ce3ff2ec7e1489c\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">395<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21914\">340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorr\u00e4te und Aufwendungen f\u00fcr noch nicht abrechenbare Leistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18450\">201<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">781<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20060\">1.095<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21601\">1.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23412\">1.645<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span id=\"if04ae4b330374c03a0ff3d9c4faaf064\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte oder Ver\u00e4u\u00dferungsgruppen werden als zur Ver\u00e4u\u00dferung gehalten klassifiziert, wenn der </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeh\u00f6rige Buchwert \u00fcberwiegend durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgesetzte Nutzung realisiert wird. Diese </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingung wird nur dann als erf\u00fcllt angesehen, wenn die Ver\u00e4u\u00dferung hoch wahrscheinlich ist, der Verm\u00f6genswert (oder die </span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppe) in seiner (ihrer) Beschaffenheit f\u00fcr einen sofortigen Verkauf verf\u00fcgbar ist und das Management einen </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Plan f\u00fcr den Verkauf des Verm\u00f6genswerts (oder der Ver\u00e4u\u00dferungsgruppe) beschlossen hat. Weiters muss es h\u00f6chst <span class=\"f ps24\"> </span></span></div><div class=\"ps23419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich sein, dass der Ver\u00e4u\u00dferungsvorgang innerhalb von zw\u00f6lf Monaten ab dem Zeitpunkt der Einstufung </span></div><div class=\"ps23420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen wird.</span></div><div class=\"ps23421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen, die als zur Ver\u00e4u\u00dferung gehalten klassifiziert sind, werden zum <span class=\"f ps24\"> </span></span></div><div class=\"ps23422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niedrigeren Betrag aus ihrem urspr\u00fcnglichen Buchwert bzw. dem beizulegenden Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und unter dem Posten zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps23424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Ergebnisse aus als zur Ver\u00e4u\u00dferung gehalten klassifizierten langfristigen Verm\u00f6genswerten oder </span></div><div class=\"ps23425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppen werden im \u00fcbrigen Ergebnis erfasst. Sollte der Wertminderungsaufwand der Ver\u00e4u\u00dferungsgruppe den <span class=\"f ps24\"> </span></span></div><div class=\"ps23426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der Verm\u00f6genswerte, die in den Anwendungsbereich des IFRS 5 fallen, \u00fcbersteigen, gibt es in den IFRS keine spezielle </span></div><div class=\"ps23427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelung hinsichtlich der Behandlung dieser Differenz. Gem\u00e4\u00df der internen Bilanzierungsrichtlinien w\u00fcrde diese Differenz im </span></div><div class=\"ps23428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzposten R\u00fcckstellungen unter R\u00fcckstellungen f\u00fcr belastende Vertr\u00e4ge erfasst werden.</span></div><div class=\"ps23429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den Fall, dass der Vorstand einen Plan f\u00fcr den Verkauf beschlossen hat, und die oben genannten Voraussetzungen daf\u00fcr </span></div><div class=\"ps23430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllt sind, werden s\u00e4mtliche Verm\u00f6genswerte und Schulden dieses Tochterunternehmens als zur Ver\u00e4u\u00dferung gehalten </span></div><div class=\"ps23431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Dies gilt unabh\u00e4ngig davon, ob der Konzern nach der Ver\u00e4u\u00dferung einen nicht beherrschenden Anteil an dem </span></div><div class=\"ps23432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fr\u00fcheren Tochterunternehmen zur\u00fcckbeh\u00e4lt oder nicht. Ergebnisse von aufgegebenen Gesch\u00e4ftsbereichen werden separat als </span></div><div class=\"ps23433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen in der Erfolgsrechnung ausgewiesen</span></div><div class=\"ps23434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen enth\u00e4lt drei Immobilien in </span></div><div class=\"ps23435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien. Im Vorjahr wurde eine Immobilie in Serbien unter diesem Posten ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-497": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(26) Sonstige Aktiva<span id=\"i2955f0b575a9439c9ce3ff2ec7e1489c\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">395<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21914\">340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorr\u00e4te und Aufwendungen f\u00fcr noch nicht abrechenbare Leistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22081\">168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18450\">201<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13625\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">781<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20060\">1.095<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21601\">1.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23412\">1.645<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span id=\"if04ae4b330374c03a0ff3d9c4faaf064\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte oder Ver\u00e4u\u00dferungsgruppen werden als zur Ver\u00e4u\u00dferung gehalten klassifiziert, wenn der </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeh\u00f6rige Buchwert \u00fcberwiegend durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgesetzte Nutzung realisiert wird. Diese </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingung wird nur dann als erf\u00fcllt angesehen, wenn die Ver\u00e4u\u00dferung hoch wahrscheinlich ist, der Verm\u00f6genswert (oder die </span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppe) in seiner (ihrer) Beschaffenheit f\u00fcr einen sofortigen Verkauf verf\u00fcgbar ist und das Management einen </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Plan f\u00fcr den Verkauf des Verm\u00f6genswerts (oder der Ver\u00e4u\u00dferungsgruppe) beschlossen hat. Weiters muss es h\u00f6chst <span class=\"f ps24\"> </span></span></div><div class=\"ps23419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich sein, dass der Ver\u00e4u\u00dferungsvorgang innerhalb von zw\u00f6lf Monaten ab dem Zeitpunkt der Einstufung </span></div><div class=\"ps23420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen wird.</span></div><div class=\"ps23421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen, die als zur Ver\u00e4u\u00dferung gehalten klassifiziert sind, werden zum <span class=\"f ps24\"> </span></span></div><div class=\"ps23422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niedrigeren Betrag aus ihrem urspr\u00fcnglichen Buchwert bzw. dem beizulegenden Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und unter dem Posten zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps23424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Ergebnisse aus als zur Ver\u00e4u\u00dferung gehalten klassifizierten langfristigen Verm\u00f6genswerten oder </span></div><div class=\"ps23425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppen werden im \u00fcbrigen Ergebnis erfasst. Sollte der Wertminderungsaufwand der Ver\u00e4u\u00dferungsgruppe den <span class=\"f ps24\"> </span></span></div><div class=\"ps23426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der Verm\u00f6genswerte, die in den Anwendungsbereich des IFRS 5 fallen, \u00fcbersteigen, gibt es in den IFRS keine spezielle </span></div><div class=\"ps23427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelung hinsichtlich der Behandlung dieser Differenz. Gem\u00e4\u00df der internen Bilanzierungsrichtlinien w\u00fcrde diese Differenz im </span></div><div class=\"ps23428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzposten R\u00fcckstellungen unter R\u00fcckstellungen f\u00fcr belastende Vertr\u00e4ge erfasst werden.</span></div><div class=\"ps23429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den Fall, dass der Vorstand einen Plan f\u00fcr den Verkauf beschlossen hat, und die oben genannten Voraussetzungen daf\u00fcr </span></div><div class=\"ps23430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllt sind, werden s\u00e4mtliche Verm\u00f6genswerte und Schulden dieses Tochterunternehmens als zur Ver\u00e4u\u00dferung gehalten </span></div><div class=\"ps23431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Dies gilt unabh\u00e4ngig davon, ob der Konzern nach der Ver\u00e4u\u00dferung einen nicht beherrschenden Anteil an dem </span></div><div class=\"ps23432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fr\u00fcheren Tochterunternehmen zur\u00fcckbeh\u00e4lt oder nicht. Ergebnisse von aufgegebenen Gesch\u00e4ftsbereichen werden separat als </span></div><div class=\"ps23433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen in der Erfolgsrechnung ausgewiesen</span></div><div class=\"ps23434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen enth\u00e4lt drei Immobilien in </span></div><div class=\"ps23435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien. Im Vorjahr wurde eine Immobilie in Serbien unter diesem Posten ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-504": {
   "value": "<div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span id=\"if04ae4b330374c03a0ff3d9c4faaf064\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte oder Ver\u00e4u\u00dferungsgruppen werden als zur Ver\u00e4u\u00dferung gehalten klassifiziert, wenn der </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeh\u00f6rige Buchwert \u00fcberwiegend durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgesetzte Nutzung realisiert wird. Diese </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingung wird nur dann als erf\u00fcllt angesehen, wenn die Ver\u00e4u\u00dferung hoch wahrscheinlich ist, der Verm\u00f6genswert (oder die </span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppe) in seiner (ihrer) Beschaffenheit f\u00fcr einen sofortigen Verkauf verf\u00fcgbar ist und das Management einen </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Plan f\u00fcr den Verkauf des Verm\u00f6genswerts (oder der Ver\u00e4u\u00dferungsgruppe) beschlossen hat. Weiters muss es h\u00f6chst <span class=\"f ps24\"> </span></span></div><div class=\"ps23419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich sein, dass der Ver\u00e4u\u00dferungsvorgang innerhalb von zw\u00f6lf Monaten ab dem Zeitpunkt der Einstufung </span></div><div class=\"ps23420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen wird.</span></div><div class=\"ps23421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen, die als zur Ver\u00e4u\u00dferung gehalten klassifiziert sind, werden zum <span class=\"f ps24\"> </span></span></div><div class=\"ps23422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niedrigeren Betrag aus ihrem urspr\u00fcnglichen Buchwert bzw. dem beizulegenden Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und unter dem Posten zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps23424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Ergebnisse aus als zur Ver\u00e4u\u00dferung gehalten klassifizierten langfristigen Verm\u00f6genswerten oder </span></div><div class=\"ps23425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppen werden im \u00fcbrigen Ergebnis erfasst. Sollte der Wertminderungsaufwand der Ver\u00e4u\u00dferungsgruppe den <span class=\"f ps24\"> </span></span></div><div class=\"ps23426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der Verm\u00f6genswerte, die in den Anwendungsbereich des IFRS 5 fallen, \u00fcbersteigen, gibt es in den IFRS keine spezielle </span></div><div class=\"ps23427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelung hinsichtlich der Behandlung dieser Differenz. Gem\u00e4\u00df der internen Bilanzierungsrichtlinien w\u00fcrde diese Differenz im </span></div><div class=\"ps23428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzposten R\u00fcckstellungen unter R\u00fcckstellungen f\u00fcr belastende Vertr\u00e4ge erfasst werden.</span></div><div class=\"ps23429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den Fall, dass der Vorstand einen Plan f\u00fcr den Verkauf beschlossen hat, und die oben genannten Voraussetzungen daf\u00fcr </span></div><div class=\"ps23430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllt sind, werden s\u00e4mtliche Verm\u00f6genswerte und Schulden dieses Tochterunternehmens als zur Ver\u00e4u\u00dferung gehalten </span></div><div class=\"ps23431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Dies gilt unabh\u00e4ngig davon, ob der Konzern nach der Ver\u00e4u\u00dferung einen nicht beherrschenden Anteil an dem </span></div><div class=\"ps23432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fr\u00fcheren Tochterunternehmen zur\u00fcckbeh\u00e4lt oder nicht. Ergebnisse von aufgegebenen Gesch\u00e4ftsbereichen werden separat als </span></div><div class=\"ps23433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen in der Erfolgsrechnung ausgewiesen</span></div><div class=\"ps23434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen enth\u00e4lt drei Immobilien in </span></div><div class=\"ps23435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien. Im Vorjahr wurde eine Immobilie in Serbien unter diesem Posten ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-503": {
   "value": "<div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span id=\"if04ae4b330374c03a0ff3d9c4faaf064\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte oder Ver\u00e4u\u00dferungsgruppen werden als zur Ver\u00e4u\u00dferung gehalten klassifiziert, wenn der </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeh\u00f6rige Buchwert \u00fcberwiegend durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgesetzte Nutzung realisiert wird. Diese </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingung wird nur dann als erf\u00fcllt angesehen, wenn die Ver\u00e4u\u00dferung hoch wahrscheinlich ist, der Verm\u00f6genswert (oder die </span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppe) in seiner (ihrer) Beschaffenheit f\u00fcr einen sofortigen Verkauf verf\u00fcgbar ist und das Management einen </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Plan f\u00fcr den Verkauf des Verm\u00f6genswerts (oder der Ver\u00e4u\u00dferungsgruppe) beschlossen hat. Weiters muss es h\u00f6chst <span class=\"f ps24\"> </span></span></div><div class=\"ps23419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich sein, dass der Ver\u00e4u\u00dferungsvorgang innerhalb von zw\u00f6lf Monaten ab dem Zeitpunkt der Einstufung </span></div><div class=\"ps23420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen wird.</span></div><div class=\"ps23421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen, die als zur Ver\u00e4u\u00dferung gehalten klassifiziert sind, werden zum <span class=\"f ps24\"> </span></span></div><div class=\"ps23422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niedrigeren Betrag aus ihrem urspr\u00fcnglichen Buchwert bzw. dem beizulegenden Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und unter dem Posten zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps23424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Ergebnisse aus als zur Ver\u00e4u\u00dferung gehalten klassifizierten langfristigen Verm\u00f6genswerten oder </span></div><div class=\"ps23425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppen werden im \u00fcbrigen Ergebnis erfasst. Sollte der Wertminderungsaufwand der Ver\u00e4u\u00dferungsgruppe den <span class=\"f ps24\"> </span></span></div><div class=\"ps23426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der Verm\u00f6genswerte, die in den Anwendungsbereich des IFRS 5 fallen, \u00fcbersteigen, gibt es in den IFRS keine spezielle </span></div><div class=\"ps23427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelung hinsichtlich der Behandlung dieser Differenz. Gem\u00e4\u00df der internen Bilanzierungsrichtlinien w\u00fcrde diese Differenz im </span></div><div class=\"ps23428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzposten R\u00fcckstellungen unter R\u00fcckstellungen f\u00fcr belastende Vertr\u00e4ge erfasst werden.</span></div><div class=\"ps23429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den Fall, dass der Vorstand einen Plan f\u00fcr den Verkauf beschlossen hat, und die oben genannten Voraussetzungen daf\u00fcr </span></div><div class=\"ps23430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllt sind, werden s\u00e4mtliche Verm\u00f6genswerte und Schulden dieses Tochterunternehmens als zur Ver\u00e4u\u00dferung gehalten </span></div><div class=\"ps23431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Dies gilt unabh\u00e4ngig davon, ob der Konzern nach der Ver\u00e4u\u00dferung einen nicht beherrschenden Anteil an dem </span></div><div class=\"ps23432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fr\u00fcheren Tochterunternehmen zur\u00fcckbeh\u00e4lt oder nicht. Ergebnisse von aufgegebenen Gesch\u00e4ftsbereichen werden separat als </span></div><div class=\"ps23433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen in der Erfolgsrechnung ausgewiesen</span></div><div class=\"ps23434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen enth\u00e4lt drei Immobilien in </span></div><div class=\"ps23435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien. Im Vorjahr wurde eine Immobilie in Serbien unter diesem Posten ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-502": {
   "value": "<div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen<span id=\"if04ae4b330374c03a0ff3d9c4faaf064\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte oder Ver\u00e4u\u00dferungsgruppen werden als zur Ver\u00e4u\u00dferung gehalten klassifiziert, wenn der </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeh\u00f6rige Buchwert \u00fcberwiegend durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgesetzte Nutzung realisiert wird. Diese </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingung wird nur dann als erf\u00fcllt angesehen, wenn die Ver\u00e4u\u00dferung hoch wahrscheinlich ist, der Verm\u00f6genswert (oder die </span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppe) in seiner (ihrer) Beschaffenheit f\u00fcr einen sofortigen Verkauf verf\u00fcgbar ist und das Management einen </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Plan f\u00fcr den Verkauf des Verm\u00f6genswerts (oder der Ver\u00e4u\u00dferungsgruppe) beschlossen hat. Weiters muss es h\u00f6chst <span class=\"f ps24\"> </span></span></div><div class=\"ps23419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich sein, dass der Ver\u00e4u\u00dferungsvorgang innerhalb von zw\u00f6lf Monaten ab dem Zeitpunkt der Einstufung </span></div><div class=\"ps23420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen wird.</span></div><div class=\"ps23421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen, die als zur Ver\u00e4u\u00dferung gehalten klassifiziert sind, werden zum <span class=\"f ps24\"> </span></span></div><div class=\"ps23422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">niedrigeren Betrag aus ihrem urspr\u00fcnglichen Buchwert bzw. dem beizulegenden Zeitwert abz\u00fcglich Ver\u00e4u\u00dferungskosten </span></div><div class=\"ps23423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und unter dem Posten zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps23424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Ergebnisse aus als zur Ver\u00e4u\u00dferung gehalten klassifizierten langfristigen Verm\u00f6genswerten oder </span></div><div class=\"ps23425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferungsgruppen werden im \u00fcbrigen Ergebnis erfasst. Sollte der Wertminderungsaufwand der Ver\u00e4u\u00dferungsgruppe den <span class=\"f ps24\"> </span></span></div><div class=\"ps23426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwert der Verm\u00f6genswerte, die in den Anwendungsbereich des IFRS 5 fallen, \u00fcbersteigen, gibt es in den IFRS keine spezielle </span></div><div class=\"ps23427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelung hinsichtlich der Behandlung dieser Differenz. Gem\u00e4\u00df der internen Bilanzierungsrichtlinien w\u00fcrde diese Differenz im </span></div><div class=\"ps23428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzposten R\u00fcckstellungen unter R\u00fcckstellungen f\u00fcr belastende Vertr\u00e4ge erfasst werden.</span></div><div class=\"ps23429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den Fall, dass der Vorstand einen Plan f\u00fcr den Verkauf beschlossen hat, und die oben genannten Voraussetzungen daf\u00fcr </span></div><div class=\"ps23430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllt sind, werden s\u00e4mtliche Verm\u00f6genswerte und Schulden dieses Tochterunternehmens als zur Ver\u00e4u\u00dferung gehalten </span></div><div class=\"ps23431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Dies gilt unabh\u00e4ngig davon, ob der Konzern nach der Ver\u00e4u\u00dferung einen nicht beherrschenden Anteil an dem </span></div><div class=\"ps23432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fr\u00fcheren Tochterunternehmen zur\u00fcckbeh\u00e4lt oder nicht. Ergebnisse von aufgegebenen Gesch\u00e4ftsbereichen werden separat als </span></div><div class=\"ps23433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen in der Erfolgsrechnung ausgewiesen</span></div><div class=\"ps23434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Zur Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen enth\u00e4lt drei Immobilien in </span></div><div class=\"ps23435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien. Im Vorjahr wurde eine Immobilie in Serbien unter diesem Posten ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDiscontinuedOperationsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-505": {
   "value": "<div class=\"ps23437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen werden gebildet, wenn der Konzern eine gegenw\u00e4rtige Verpflichtung aus einem vergangenen Ereignis hat und </span></div><div class=\"ps23438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es sowohl wahrscheinlich ist, dass er verpflichtet sein wird, diese zu erf\u00fcllen, als auch eine verl\u00e4ssliche Sch\u00e4tzung des Betrags </span></div><div class=\"ps23439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glich ist. Der angesetzte R\u00fcckstellungsbetrag ist der am Bilanzstichtag bestm\u00f6gliche Sch\u00e4tzwert f\u00fcr die Leistung, die unter </span></div><div class=\"ps23440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der der Verpflichtung zugrunde liegenden Risiken und Unsicherheiten hinzugeben ist, um die gegenw\u00e4rtige <span class=\"f ps24\"> </span></span></div><div class=\"ps23441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtung zu erf\u00fcllen. Risiken und Unsicherheiten sind bei der Sch\u00e4tzung ber\u00fccksichtigt. Wird eine R\u00fcckstellung auf Basis der <span class=\"f ps24\"> </span></span></div><div class=\"ps12282 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die Erf\u00fcllung der Verpflichtung gesch\u00e4tzten Zahlungsstr\u00f6me bewertet, sind diese Zahlungsstr\u00f6me abzuzinsen, sofern der </span></div><div class=\"ps23442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinseffekt wesentlich ist. </span></div><div class=\"ps23443 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Zuf\u00fchrung zu R\u00fcckstellungen erfolgt \u00fcber verschiedene Posten der Erfolgsrechnung. Kreditrisikovorsorgen f\u00fcr </span></div><div class=\"ps23444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eventualverbindlichkeiten werden in der Erfolgsrechnung unter dem Posten Wertminderungen auf finanzielle Verm\u00f6genswerte </span></div><div class=\"ps23445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Die Restrukturierungsr\u00fcckstellungen und die sonstigen Personalvorsorgen werden \u00fcber </span></div><div class=\"ps23446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsaufwendungen dotiert. Zuf\u00fchrungen zu R\u00fcckstellungen, die nicht dem Verwaltungsaufwand zuzuordnen sind, </span></div><div class=\"ps23447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden grunds\u00e4tzlich zulasten des sonstigen betrieblichen Ergebnisses gebildet.</span></div><div class=\"ps23670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verpflichtungen f\u00fcr Pensionen und aus anderen Leistungen nach Beendigung des <span id=\"iee66a48231f9420a95197b7cd2e0b9e2\"></span></span></div><div class=\"ps23671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Arbeitsverh\u00e4ltnisses</span></div><div class=\"ps23672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">S\u00e4mtliche leistungsorientierten Sozialkapitalr\u00fcckstellungen (R\u00fcckstellungen f\u00fcr Pensionen, Abfertigungsverpflichtungen, </span></div><div class=\"ps23673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geburtstags- und Jubil\u00e4umsgelder) werden gem\u00e4\u00df IAS 19 Employee Benefits nach dem Anwartschaftsbarwertverfahren </span></div><div class=\"ps23674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Projected Unit Credit Method) ermittelt. Als biometrische Rechnungsgrundlagen werden f\u00fcr alle Sozialkapitalr\u00fcckstellungen der <span class=\"f ps24\"> </span></span></div><div class=\"ps23675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten die AV\u00d6 2018-P-Rechnungsgrundlagen f\u00fcr die Pensionsversicherung in der Auspr\u00e4gung f\u00fcr </span></div><div class=\"ps23676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Angestellte herangezogen. In anderen L\u00e4ndern werden vergleichbare aktuarische Berechnungsgrundlagen verwendet. Folgende </span></div><div class=\"ps23679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Personalr\u00fcckstellungen wurden im Gesch\u00e4ftsjahr </span><span class=\"f charStyle-9eccfdcb ps23677\">2025</span><span class=\"f charStyle-9eccfdcb ps23678\"> erfasst:</span></div><div class=\"ps23680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Leistungsorientierte Pensionspl\u00e4ne in \u00d6sterreich und in anderen L\u00e4ndern </span></div><div class=\"ps23681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Andere Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses in \u00d6sterreich und anderen L\u00e4ndern </span></div><div class=\"ps23682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese leistungsorientierten Pensionspl\u00e4ne und sonstigen Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses setzen den </span></div><div class=\"ps23683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern versicherungstechnischen Risiken wie dem Langlebigkeitsrisiko, dem W\u00e4hrungsrisiko, dem Zinsrisiko und dem </span></div><div class=\"ps23684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko (Investitionsrisiko) aus.</span></div><div class=\"ps23685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Verbindlichkeit und der entsprechende Aufwand werden f\u00fcr Leistungen aus Anlass der Beendigung des </span></div><div class=\"ps23686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Arbeitsverh\u00e4ltnisses erfasst, wenn die RBI das Angebot f\u00fcr diese Leistungen nicht mehr zur\u00fcckziehen kann. Werden die </span></div><div class=\"ps23687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen voraussichtlich nicht innerhalb von 12 Monaten nach Ende der Berichtsperiode vollst\u00e4ndig abgegolten, werden diese </span></div><div class=\"ps23688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgezinst.</span></div><div class=\"ps23689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Finanzierung<span id=\"ib27de22fb65445c49557b82930cb5f6b\"></span></span></div><div class=\"ps23690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei den Pensionen bestehen unterschiedliche Pl\u00e4ne: nicht \u00fcber einen Fonds finanzierte, teilweise \u00fcber einen Fonds finanzierte </span></div><div class=\"ps23691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und zur G\u00e4nze \u00fcber einen Fonds finanzierte. Die teilweise und die zur G\u00e4nze \u00fcber einen Fonds finanzierten Pensionspl\u00e4ne der </span></div><div class=\"ps23692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten werden durchwegs \u00fcber die Valida Pension AG veranlagt. Die Valida Pension AG ist eine </span></div><div class=\"ps23693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionskasse und unterliegt im Besonderen den Bestimmungen des Pensionskassengesetzes und des </span></div><div class=\"ps23694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betriebspensionsgesetzes.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-507": {
   "value": "<div class=\"ps23670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verpflichtungen f\u00fcr Pensionen und aus anderen Leistungen nach Beendigung des <span id=\"iee66a48231f9420a95197b7cd2e0b9e2\"></span></span></div><div class=\"ps23671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Arbeitsverh\u00e4ltnisses</span></div><div class=\"ps23672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">S\u00e4mtliche leistungsorientierten Sozialkapitalr\u00fcckstellungen (R\u00fcckstellungen f\u00fcr Pensionen, Abfertigungsverpflichtungen, </span></div><div class=\"ps23673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geburtstags- und Jubil\u00e4umsgelder) werden gem\u00e4\u00df IAS 19 Employee Benefits nach dem Anwartschaftsbarwertverfahren </span></div><div class=\"ps23674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Projected Unit Credit Method) ermittelt. Als biometrische Rechnungsgrundlagen werden f\u00fcr alle Sozialkapitalr\u00fcckstellungen der <span class=\"f ps24\"> </span></span></div><div class=\"ps23675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten die AV\u00d6 2018-P-Rechnungsgrundlagen f\u00fcr die Pensionsversicherung in der Auspr\u00e4gung f\u00fcr </span></div><div class=\"ps23676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Angestellte herangezogen. In anderen L\u00e4ndern werden vergleichbare aktuarische Berechnungsgrundlagen verwendet. Folgende </span></div><div class=\"ps23679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Personalr\u00fcckstellungen wurden im Gesch\u00e4ftsjahr </span><span class=\"f charStyle-9eccfdcb ps23677\">2025</span><span class=\"f charStyle-9eccfdcb ps23678\"> erfasst:</span></div><div class=\"ps23680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Leistungsorientierte Pensionspl\u00e4ne in \u00d6sterreich und in anderen L\u00e4ndern </span></div><div class=\"ps23681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Andere Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses in \u00d6sterreich und anderen L\u00e4ndern </span></div><div class=\"ps23682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese leistungsorientierten Pensionspl\u00e4ne und sonstigen Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses setzen den </span></div><div class=\"ps23683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern versicherungstechnischen Risiken wie dem Langlebigkeitsrisiko, dem W\u00e4hrungsrisiko, dem Zinsrisiko und dem </span></div><div class=\"ps23684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko (Investitionsrisiko) aus.</span></div><div class=\"ps23685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Verbindlichkeit und der entsprechende Aufwand werden f\u00fcr Leistungen aus Anlass der Beendigung des </span></div><div class=\"ps23686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Arbeitsverh\u00e4ltnisses erfasst, wenn die RBI das Angebot f\u00fcr diese Leistungen nicht mehr zur\u00fcckziehen kann. Werden die </span></div><div class=\"ps23687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen voraussichtlich nicht innerhalb von 12 Monaten nach Ende der Berichtsperiode vollst\u00e4ndig abgegolten, werden diese </span></div><div class=\"ps23688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgezinst.</span></div><div class=\"ps23689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Finanzierung<span id=\"ib27de22fb65445c49557b82930cb5f6b\"></span></span></div><div class=\"ps23690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei den Pensionen bestehen unterschiedliche Pl\u00e4ne: nicht \u00fcber einen Fonds finanzierte, teilweise \u00fcber einen Fonds finanzierte </span></div><div class=\"ps23691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und zur G\u00e4nze \u00fcber einen Fonds finanzierte. Die teilweise und die zur G\u00e4nze \u00fcber einen Fonds finanzierten Pensionspl\u00e4ne der </span></div><div class=\"ps23692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten werden durchwegs \u00fcber die Valida Pension AG veranlagt. Die Valida Pension AG ist eine </span></div><div class=\"ps23693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionskasse und unterliegt im Besonderen den Bestimmungen des Pensionskassengesetzes und des </span></div><div class=\"ps23694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betriebspensionsgesetzes.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTerminationBenefits",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-506": {
   "value": "<div class=\"ps23670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verpflichtungen f\u00fcr Pensionen und aus anderen Leistungen nach Beendigung des <span id=\"iee66a48231f9420a95197b7cd2e0b9e2\"></span></span></div><div class=\"ps23671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Arbeitsverh\u00e4ltnisses</span></div><div class=\"ps23672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">S\u00e4mtliche leistungsorientierten Sozialkapitalr\u00fcckstellungen (R\u00fcckstellungen f\u00fcr Pensionen, Abfertigungsverpflichtungen, </span></div><div class=\"ps23673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geburtstags- und Jubil\u00e4umsgelder) werden gem\u00e4\u00df IAS 19 Employee Benefits nach dem Anwartschaftsbarwertverfahren </span></div><div class=\"ps23674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Projected Unit Credit Method) ermittelt. Als biometrische Rechnungsgrundlagen werden f\u00fcr alle Sozialkapitalr\u00fcckstellungen der <span class=\"f ps24\"> </span></span></div><div class=\"ps23675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten die AV\u00d6 2018-P-Rechnungsgrundlagen f\u00fcr die Pensionsversicherung in der Auspr\u00e4gung f\u00fcr </span></div><div class=\"ps23676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Angestellte herangezogen. In anderen L\u00e4ndern werden vergleichbare aktuarische Berechnungsgrundlagen verwendet. Folgende </span></div><div class=\"ps23679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Personalr\u00fcckstellungen wurden im Gesch\u00e4ftsjahr </span><span class=\"f charStyle-9eccfdcb ps23677\">2025</span><span class=\"f charStyle-9eccfdcb ps23678\"> erfasst:</span></div><div class=\"ps23680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Leistungsorientierte Pensionspl\u00e4ne in \u00d6sterreich und in anderen L\u00e4ndern </span></div><div class=\"ps23681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Andere Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses in \u00d6sterreich und anderen L\u00e4ndern </span></div><div class=\"ps23682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese leistungsorientierten Pensionspl\u00e4ne und sonstigen Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses setzen den </span></div><div class=\"ps23683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern versicherungstechnischen Risiken wie dem Langlebigkeitsrisiko, dem W\u00e4hrungsrisiko, dem Zinsrisiko und dem </span></div><div class=\"ps23684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko (Investitionsrisiko) aus.</span></div><div class=\"ps23685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Verbindlichkeit und der entsprechende Aufwand werden f\u00fcr Leistungen aus Anlass der Beendigung des </span></div><div class=\"ps23686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Arbeitsverh\u00e4ltnisses erfasst, wenn die RBI das Angebot f\u00fcr diese Leistungen nicht mehr zur\u00fcckziehen kann. Werden die </span></div><div class=\"ps23687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen voraussichtlich nicht innerhalb von 12 Monaten nach Ende der Berichtsperiode vollst\u00e4ndig abgegolten, werden diese </span></div><div class=\"ps23688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgezinst.</span></div><div class=\"ps23689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Finanzierung<span id=\"ib27de22fb65445c49557b82930cb5f6b\"></span></span></div><div class=\"ps23690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei den Pensionen bestehen unterschiedliche Pl\u00e4ne: nicht \u00fcber einen Fonds finanzierte, teilweise \u00fcber einen Fonds finanzierte </span></div><div class=\"ps23691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und zur G\u00e4nze \u00fcber einen Fonds finanzierte. Die teilweise und die zur G\u00e4nze \u00fcber einen Fonds finanzierten Pensionspl\u00e4ne der </span></div><div class=\"ps23692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Konzerneinheiten werden durchwegs \u00fcber die Valida Pension AG veranlagt. Die Valida Pension AG ist eine </span></div><div class=\"ps23693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionskasse und unterliegt im Besonderen den Bestimmungen des Pensionskassengesetzes und des </span></div><div class=\"ps23694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betriebspensionsgesetzes.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-509": {
   "value": "<div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(28) Sonstige Passiva<span id=\"i0f8b5640800144d49489d9b369918130\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten f\u00fcr unverbrauchte Urlaube<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20394\">74<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten aus Versicherungsaktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23767\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungsposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20553\">571<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20674\">767<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23412\">1.594<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23768\">1.663<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Versicherungsgesch\u00e4fte<span id=\"i8d5f2fa4c8c44539bf88b69f3ad8873c\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Versicherungsgesch\u00e4ft des Konzerns umfasst Pensionsversicherungsprodukte in Kroatien. Aufgrund der damit </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Versicherungs- und Anlagerisiken ist die Anwendung von IFRS 17 f\u00fcr die Bilanzierung der daraus resultierenden </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten notwendig. Alle Verm\u00f6genswerte im Zusammenhang mit der Bereitstellung von Vorsorgeprodukten werden <span class=\"f ps24\"> </span></span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach IFRS 9 bilanziert. Die nachfolgende Tabelle zeigt eine Analyse der Ver\u00e4nderungen von Verbindlichkeiten aus </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Versicherungsvertr\u00e4gen:</span></div><div class=\"ps23809 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23586\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23780\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps21889\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23786\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23790\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23794\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23805\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23821 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23810\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23811\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-e680a4f6 ps23813\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-e680a4f6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-e680a4f6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23814\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23815\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps22232\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23816\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23817\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23818\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23819\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23820\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Tabelle zeigt die Entwicklung der Verbindlichkeiten aus Versicherungsvertr\u00e4gen seit Beginn der Periode unter </span></div><div class=\"ps23823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der Nettozahlungsstr\u00f6me und erfolgswirksamer Effekte. Aus der IFRS 17 Sicht gliedert sich die Gesamtver-<span class=\"f ps24\"> </span></span></div><div class=\"ps23824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bindlichkeit in drei Teile. Der erste Teil besteht haupts\u00e4chlich aus der bestm\u00f6glichen Sch\u00e4tzung der Deckungsr\u00fcckstellung f\u00fcr </span></div><div class=\"ps23825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftige Leistungen, d. h. dem Barwert der zuk\u00fcnftigen Annuit\u00e4ten und der zuk\u00fcnftigen Aufwendungen. Dazu wird eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risikoanpassung hinzugef\u00fcgt, die sich auf nichtfinanzielle Risiken der R\u00fcckstellung bezieht (z. B. Langlebigkeit, </span></div><div class=\"ps23827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sterblichkeit, Kostenrisiko). Die R\u00fcckstellung plus die Risikoanpassung bilden die Verbindlichkeit gegen\u00fcber Dritten </span></div><div class=\"ps23828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Zahlungsmittelabfluss). Die vertragliche Servicemarge stellt den zuk\u00fcnftig zu erwartenden Gewinn dar.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Analyse der Entwicklung von Deckungsr\u00fcckstellung und von R\u00fcckstellung f\u00fcr noch nicht abgewickelte Versicherungsf\u00e4lle:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23865\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20555\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13625\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23878\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20847\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20635\">261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23896 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20656\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23890\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22059\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23891\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20072\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21480\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23892\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23893\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23894\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23895\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Deckungsr\u00fcckstellung bezieht sich auf zuk\u00fcnftige Leistungen, die R\u00fcckstellung f\u00fcr noch nicht abgewickelte Versicherungs-</span></div><div class=\"ps23898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00e4lle umfasst den Erf\u00fcllungswert in Bezug auf vergangene Leistungen. Die belastende Vertragskomponente tritt auf, wenn die </span></div><div class=\"ps23899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preisgestaltung aufgrund der Marktentwicklung zu niedrig ist, wodurch die Vertr\u00e4ge belastend werden. Versicherungs-</span></div><div class=\"ps23900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">technische Ertr\u00e4ge in der Periode setzen sich haupts\u00e4chlich aus Ertr\u00e4gen aus der zur Verf\u00fcgung gestellten Deckung und aus der </span></div><div class=\"ps23901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufl\u00f6sung der Risikoanpassung zusammen. Die versicherungstechnischen Aufwendungen beinhalten vor allem die erwarteten </span></div><div class=\"ps23902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadensf\u00e4lle und sonstige versicherungstechnische Aufwendungen, sowie Ver\u00e4nderungen der Zahlungsstr\u00f6me und der </span></div><div class=\"ps23903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoanpassung in Bezug auf die in der Periode und in Vergangenheit gew\u00e4hrte Deckung. Die versicherungstechnischen </span></div><div class=\"ps23904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzaufwendungen betreffen die Aufzinsung und Ver\u00e4nderung der Abzinsungss\u00e4tze. </span></div><div class=\"ps23905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erf\u00fcllungswert<span id=\"ic9aa837ec2e74c5a88b3f8fb48a3e157\"></span></span></div><div class=\"ps23906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Erf\u00fcllungswert setzt sich aus Sch\u00e4tzungen der zuk\u00fcnftigen Zahlungsstr\u00f6me, einer Anpassung zur Ber\u00fccksichtigung des </span></div><div class=\"ps23907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitwerts des Geldes und der finanziellen Risiken, die mit den zuk\u00fcnftigen Zahlungsstr\u00f6men verbunden sind (Diskontierung), </span></div><div class=\"ps23908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie einer Risikoanpassung f\u00fcr nichtfinanzielle Risiken zusammen. Der Zeitwert des Geldes und die finanziellen Risiken <span class=\"f ps24\"> </span></span></div><div class=\"ps23909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beinhalten einen risikofreien Zinssatz, der aus der Eurozone-Emissionskurve mit Kreditrisikoanpassung abgeleitet wird. Zum </span></div><div class=\"ps23910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikofreien Zinssatz wird zus\u00e4tzlich die Illiquidit\u00e4tspr\u00e4mie hinzugef\u00fcgt. Die Illiquidit\u00e4tspr\u00e4mie ergibt sich aus alternativen </span></div><div class=\"ps23911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investments mit den Illiquidit\u00e4tsmerkmalen des Portfolios, auch hier mit angemessener Kreditrisikoanpassung. </span></div><div class=\"ps23912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle stellt die Renditekurven, die zur Abzinsung der gesch\u00e4tzten zuk\u00fcnftigen Zahlungsstr\u00f6me verwendet </span></div><div class=\"ps23913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, dar:</span></div><div class=\"ps23918 ss0\"><div class=\"ss1347 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16012 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-1dbd4d87 ps7210\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4496 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps4177\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17933 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17498\">10 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps13442\">20 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8909 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps45\">30 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23916 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23915\"></span><span class=\"ps23915\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20959 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18456\"></span><span class=\"ps18456\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21815 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1063\"></span><span class=\"ps1063\">4,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16749 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20714\"></span><span class=\"ps20714\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23917 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1488\"></span><span class=\"ps1488\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Risikoanpassung f\u00fcr nichtfinanzielle Risiken ist die Entsch\u00e4digung f\u00fcr das Tragen der Unsicherheit aus nichtfinanziellen </span></div><div class=\"ps23920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken in Versicherungsvertr\u00e4gen hinsichtlich der H\u00f6he und des zeitlichen Anfalls der Zahlungsstr\u00f6me. Die Risikomarge wird auf </span></div><div class=\"ps23921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basis eines Kapitalkostenansatzes berechnet. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die verwendeten Sterbetafeln setzen sich aus den offiziellen Tabellen des kroatischen Statistikamtes zusammen. Die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der K\u00fcndigungswahrscheinlichkeit und der zu erwartenden Kosten basiert auf historischen Daten. Die </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten Kapitalertr\u00e4ge werden auf Grundlage des aktuellen Anlageportfolios des Unternehmens berechnet.</span></div><div class=\"ps15455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Risiken im Versicherungsgesch\u00e4ft<span id=\"i276bfaccd5424737907ee88b3644469f\"></span></span></div><div class=\"ps23922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Versicherungsgesch\u00e4ft der RBI umfasst Pensionsversicherungen, wo das Zinsrisiko und das Risiko zuk\u00fcnftiger </span></div><div class=\"ps23923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen die wesentlichen Risiken darstellen.</span></div><div class=\"ps23924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zinsrisiko \u2013 das Risiko einer \u00c4nderung der am Markt beobachtbaren Zinss\u00e4tze</span></div><div class=\"ps23925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sterblichkeitsrisiko \u2013 das Risiko des Verlusts oder nachteiliger Entwicklungen betreffend den Wert von </span></div><div class=\"ps23926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungsverbindlichkeiten aufgrund von Ver\u00e4nderungen der Sterblichkeitsraten</span></div><div class=\"ps23927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Langlebigkeitsrisiko \u2013 das Risiko, dass die k\u00fcnftigen Aufwendungen f\u00fcr Pensionszahlungen aufgrund sinkender </span></div><div class=\"ps23928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Sterblichkeitsraten steigen</span></div><div class=\"ps23929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risiko zuk\u00fcnftiger Aufwendungen \u2013 das Risiko einer Erh\u00f6hung zuk\u00fcnftiger Aufwendungen wirkt sich auf die </span></div><div class=\"ps23931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vertragliche Servicemarge (contractual service margin, CSM) aus</span><span class=\"f charStyle-1076b8a0 ps23930\">.</span></div><div class=\"ps23932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet keine R\u00fcckversicherungsvertr\u00e4ge zwecks Risikominderung, sondern mindert das Risiko durch den </span></div><div class=\"ps23934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfoliomix. </span><span class=\"f charStyle-9eccfdcb ps23933\">Die Sensitivit\u00e4t der oben genannten Risiken ist aufgrund der absorbierenden Wirkung der vertraglichen </span></div><div class=\"ps23935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Servicemarge und keiner belastenden Vertr\u00e4ge sehr gering und wird hier daher nicht dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-508": {
   "value": "<div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(28) Sonstige Passiva<span id=\"i0f8b5640800144d49489d9b369918130\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten f\u00fcr unverbrauchte Urlaube<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20394\">74<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten aus Versicherungsaktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23767\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungsposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20553\">571<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20674\">767<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23412\">1.594<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23768\">1.663<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Versicherungsgesch\u00e4fte<span id=\"i8d5f2fa4c8c44539bf88b69f3ad8873c\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Versicherungsgesch\u00e4ft des Konzerns umfasst Pensionsversicherungsprodukte in Kroatien. Aufgrund der damit </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Versicherungs- und Anlagerisiken ist die Anwendung von IFRS 17 f\u00fcr die Bilanzierung der daraus resultierenden </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten notwendig. Alle Verm\u00f6genswerte im Zusammenhang mit der Bereitstellung von Vorsorgeprodukten werden <span class=\"f ps24\"> </span></span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach IFRS 9 bilanziert. Die nachfolgende Tabelle zeigt eine Analyse der Ver\u00e4nderungen von Verbindlichkeiten aus </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Versicherungsvertr\u00e4gen:</span></div><div class=\"ps23809 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23586\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23780\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps21889\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23786\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23790\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23794\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23805\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23821 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23810\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23811\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-e680a4f6 ps23813\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-e680a4f6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-e680a4f6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23814\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23815\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps22232\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23816\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23817\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23818\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23819\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23820\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Tabelle zeigt die Entwicklung der Verbindlichkeiten aus Versicherungsvertr\u00e4gen seit Beginn der Periode unter </span></div><div class=\"ps23823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der Nettozahlungsstr\u00f6me und erfolgswirksamer Effekte. Aus der IFRS 17 Sicht gliedert sich die Gesamtver-<span class=\"f ps24\"> </span></span></div><div class=\"ps23824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bindlichkeit in drei Teile. Der erste Teil besteht haupts\u00e4chlich aus der bestm\u00f6glichen Sch\u00e4tzung der Deckungsr\u00fcckstellung f\u00fcr </span></div><div class=\"ps23825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftige Leistungen, d. h. dem Barwert der zuk\u00fcnftigen Annuit\u00e4ten und der zuk\u00fcnftigen Aufwendungen. Dazu wird eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risikoanpassung hinzugef\u00fcgt, die sich auf nichtfinanzielle Risiken der R\u00fcckstellung bezieht (z. B. Langlebigkeit, </span></div><div class=\"ps23827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sterblichkeit, Kostenrisiko). Die R\u00fcckstellung plus die Risikoanpassung bilden die Verbindlichkeit gegen\u00fcber Dritten </span></div><div class=\"ps23828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Zahlungsmittelabfluss). Die vertragliche Servicemarge stellt den zuk\u00fcnftig zu erwartenden Gewinn dar.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Analyse der Entwicklung von Deckungsr\u00fcckstellung und von R\u00fcckstellung f\u00fcr noch nicht abgewickelte Versicherungsf\u00e4lle:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23865\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20555\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13625\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23878\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20847\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20635\">261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23896 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20656\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23890\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22059\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23891\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20072\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21480\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23892\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23893\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23894\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23895\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Deckungsr\u00fcckstellung bezieht sich auf zuk\u00fcnftige Leistungen, die R\u00fcckstellung f\u00fcr noch nicht abgewickelte Versicherungs-</span></div><div class=\"ps23898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00e4lle umfasst den Erf\u00fcllungswert in Bezug auf vergangene Leistungen. Die belastende Vertragskomponente tritt auf, wenn die </span></div><div class=\"ps23899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preisgestaltung aufgrund der Marktentwicklung zu niedrig ist, wodurch die Vertr\u00e4ge belastend werden. Versicherungs-</span></div><div class=\"ps23900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">technische Ertr\u00e4ge in der Periode setzen sich haupts\u00e4chlich aus Ertr\u00e4gen aus der zur Verf\u00fcgung gestellten Deckung und aus der </span></div><div class=\"ps23901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufl\u00f6sung der Risikoanpassung zusammen. Die versicherungstechnischen Aufwendungen beinhalten vor allem die erwarteten </span></div><div class=\"ps23902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadensf\u00e4lle und sonstige versicherungstechnische Aufwendungen, sowie Ver\u00e4nderungen der Zahlungsstr\u00f6me und der </span></div><div class=\"ps23903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoanpassung in Bezug auf die in der Periode und in Vergangenheit gew\u00e4hrte Deckung. Die versicherungstechnischen </span></div><div class=\"ps23904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzaufwendungen betreffen die Aufzinsung und Ver\u00e4nderung der Abzinsungss\u00e4tze. </span></div><div class=\"ps23905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erf\u00fcllungswert<span id=\"ic9aa837ec2e74c5a88b3f8fb48a3e157\"></span></span></div><div class=\"ps23906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Erf\u00fcllungswert setzt sich aus Sch\u00e4tzungen der zuk\u00fcnftigen Zahlungsstr\u00f6me, einer Anpassung zur Ber\u00fccksichtigung des </span></div><div class=\"ps23907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitwerts des Geldes und der finanziellen Risiken, die mit den zuk\u00fcnftigen Zahlungsstr\u00f6men verbunden sind (Diskontierung), </span></div><div class=\"ps23908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie einer Risikoanpassung f\u00fcr nichtfinanzielle Risiken zusammen. Der Zeitwert des Geldes und die finanziellen Risiken <span class=\"f ps24\"> </span></span></div><div class=\"ps23909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beinhalten einen risikofreien Zinssatz, der aus der Eurozone-Emissionskurve mit Kreditrisikoanpassung abgeleitet wird. Zum </span></div><div class=\"ps23910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikofreien Zinssatz wird zus\u00e4tzlich die Illiquidit\u00e4tspr\u00e4mie hinzugef\u00fcgt. Die Illiquidit\u00e4tspr\u00e4mie ergibt sich aus alternativen </span></div><div class=\"ps23911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investments mit den Illiquidit\u00e4tsmerkmalen des Portfolios, auch hier mit angemessener Kreditrisikoanpassung. </span></div><div class=\"ps23912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle stellt die Renditekurven, die zur Abzinsung der gesch\u00e4tzten zuk\u00fcnftigen Zahlungsstr\u00f6me verwendet </span></div><div class=\"ps23913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, dar:</span></div><div class=\"ps23918 ss0\"><div class=\"ss1347 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16012 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-1dbd4d87 ps7210\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4496 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps4177\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17933 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17498\">10 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps13442\">20 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8909 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps45\">30 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23916 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23915\"></span><span class=\"ps23915\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20959 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18456\"></span><span class=\"ps18456\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21815 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1063\"></span><span class=\"ps1063\">4,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16749 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20714\"></span><span class=\"ps20714\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23917 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1488\"></span><span class=\"ps1488\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Risikoanpassung f\u00fcr nichtfinanzielle Risiken ist die Entsch\u00e4digung f\u00fcr das Tragen der Unsicherheit aus nichtfinanziellen </span></div><div class=\"ps23920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken in Versicherungsvertr\u00e4gen hinsichtlich der H\u00f6he und des zeitlichen Anfalls der Zahlungsstr\u00f6me. Die Risikomarge wird auf </span></div><div class=\"ps23921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basis eines Kapitalkostenansatzes berechnet. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die verwendeten Sterbetafeln setzen sich aus den offiziellen Tabellen des kroatischen Statistikamtes zusammen. Die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der K\u00fcndigungswahrscheinlichkeit und der zu erwartenden Kosten basiert auf historischen Daten. Die </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten Kapitalertr\u00e4ge werden auf Grundlage des aktuellen Anlageportfolios des Unternehmens berechnet.</span></div><div class=\"ps15455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Risiken im Versicherungsgesch\u00e4ft<span id=\"i276bfaccd5424737907ee88b3644469f\"></span></span></div><div class=\"ps23922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Versicherungsgesch\u00e4ft der RBI umfasst Pensionsversicherungen, wo das Zinsrisiko und das Risiko zuk\u00fcnftiger </span></div><div class=\"ps23923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen die wesentlichen Risiken darstellen.</span></div><div class=\"ps23924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zinsrisiko \u2013 das Risiko einer \u00c4nderung der am Markt beobachtbaren Zinss\u00e4tze</span></div><div class=\"ps23925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sterblichkeitsrisiko \u2013 das Risiko des Verlusts oder nachteiliger Entwicklungen betreffend den Wert von </span></div><div class=\"ps23926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungsverbindlichkeiten aufgrund von Ver\u00e4nderungen der Sterblichkeitsraten</span></div><div class=\"ps23927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Langlebigkeitsrisiko \u2013 das Risiko, dass die k\u00fcnftigen Aufwendungen f\u00fcr Pensionszahlungen aufgrund sinkender </span></div><div class=\"ps23928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Sterblichkeitsraten steigen</span></div><div class=\"ps23929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risiko zuk\u00fcnftiger Aufwendungen \u2013 das Risiko einer Erh\u00f6hung zuk\u00fcnftiger Aufwendungen wirkt sich auf die </span></div><div class=\"ps23931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vertragliche Servicemarge (contractual service margin, CSM) aus</span><span class=\"f charStyle-1076b8a0 ps23930\">.</span></div><div class=\"ps23932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet keine R\u00fcckversicherungsvertr\u00e4ge zwecks Risikominderung, sondern mindert das Risiko durch den </span></div><div class=\"ps23934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfoliomix. </span><span class=\"f charStyle-9eccfdcb ps23933\">Die Sensitivit\u00e4t der oben genannten Risiken ist aufgrund der absorbierenden Wirkung der vertraglichen </span></div><div class=\"ps23935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Servicemarge und keiner belastenden Vertr\u00e4ge sehr gering und wird hier daher nicht dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-510": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(28) Sonstige Passiva<span id=\"i0f8b5640800144d49489d9b369918130\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten f\u00fcr unverbrauchte Urlaube<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20394\">74<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten aus Versicherungsaktivit\u00e4ten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23767\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungsposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20553\">571<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcbrige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22145\">713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20674\">767<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23412\">1.594<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23768\">1.663<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredIncomeExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-512": {
   "value": "<div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Versicherungsgesch\u00e4fte<span id=\"i8d5f2fa4c8c44539bf88b69f3ad8873c\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Versicherungsgesch\u00e4ft des Konzerns umfasst Pensionsversicherungsprodukte in Kroatien. Aufgrund der damit </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Versicherungs- und Anlagerisiken ist die Anwendung von IFRS 17 f\u00fcr die Bilanzierung der daraus resultierenden </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten notwendig. Alle Verm\u00f6genswerte im Zusammenhang mit der Bereitstellung von Vorsorgeprodukten werden <span class=\"f ps24\"> </span></span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach IFRS 9 bilanziert. Die nachfolgende Tabelle zeigt eine Analyse der Ver\u00e4nderungen von Verbindlichkeiten aus </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Versicherungsvertr\u00e4gen:</span></div><div class=\"ps23809 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23586\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23780\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps21889\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23786\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23790\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23794\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23805\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23821 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23810\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23811\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-e680a4f6 ps23813\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-e680a4f6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-e680a4f6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23814\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23815\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps22232\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23816\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23817\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23818\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23819\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23820\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Tabelle zeigt die Entwicklung der Verbindlichkeiten aus Versicherungsvertr\u00e4gen seit Beginn der Periode unter </span></div><div class=\"ps23823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der Nettozahlungsstr\u00f6me und erfolgswirksamer Effekte. Aus der IFRS 17 Sicht gliedert sich die Gesamtver-<span class=\"f ps24\"> </span></span></div><div class=\"ps23824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bindlichkeit in drei Teile. Der erste Teil besteht haupts\u00e4chlich aus der bestm\u00f6glichen Sch\u00e4tzung der Deckungsr\u00fcckstellung f\u00fcr </span></div><div class=\"ps23825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftige Leistungen, d. h. dem Barwert der zuk\u00fcnftigen Annuit\u00e4ten und der zuk\u00fcnftigen Aufwendungen. Dazu wird eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risikoanpassung hinzugef\u00fcgt, die sich auf nichtfinanzielle Risiken der R\u00fcckstellung bezieht (z. B. Langlebigkeit, </span></div><div class=\"ps23827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sterblichkeit, Kostenrisiko). Die R\u00fcckstellung plus die Risikoanpassung bilden die Verbindlichkeit gegen\u00fcber Dritten </span></div><div class=\"ps23828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Zahlungsmittelabfluss). Die vertragliche Servicemarge stellt den zuk\u00fcnftig zu erwartenden Gewinn dar.</span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Analyse der Entwicklung von Deckungsr\u00fcckstellung und von R\u00fcckstellung f\u00fcr noch nicht abgewickelte Versicherungsf\u00e4lle:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23865\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20555\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13625\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23878\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20847\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20635\">261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23896 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20656\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23890\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22059\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23891\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20072\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21480\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23892\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23893\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23894\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23895\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Deckungsr\u00fcckstellung bezieht sich auf zuk\u00fcnftige Leistungen, die R\u00fcckstellung f\u00fcr noch nicht abgewickelte Versicherungs-</span></div><div class=\"ps23898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00e4lle umfasst den Erf\u00fcllungswert in Bezug auf vergangene Leistungen. Die belastende Vertragskomponente tritt auf, wenn die </span></div><div class=\"ps23899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preisgestaltung aufgrund der Marktentwicklung zu niedrig ist, wodurch die Vertr\u00e4ge belastend werden. Versicherungs-</span></div><div class=\"ps23900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">technische Ertr\u00e4ge in der Periode setzen sich haupts\u00e4chlich aus Ertr\u00e4gen aus der zur Verf\u00fcgung gestellten Deckung und aus der </span></div><div class=\"ps23901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufl\u00f6sung der Risikoanpassung zusammen. Die versicherungstechnischen Aufwendungen beinhalten vor allem die erwarteten </span></div><div class=\"ps23902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadensf\u00e4lle und sonstige versicherungstechnische Aufwendungen, sowie Ver\u00e4nderungen der Zahlungsstr\u00f6me und der </span></div><div class=\"ps23903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoanpassung in Bezug auf die in der Periode und in Vergangenheit gew\u00e4hrte Deckung. Die versicherungstechnischen </span></div><div class=\"ps23904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzaufwendungen betreffen die Aufzinsung und Ver\u00e4nderung der Abzinsungss\u00e4tze. </span></div><div class=\"ps23905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erf\u00fcllungswert<span id=\"ic9aa837ec2e74c5a88b3f8fb48a3e157\"></span></span></div><div class=\"ps23906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Erf\u00fcllungswert setzt sich aus Sch\u00e4tzungen der zuk\u00fcnftigen Zahlungsstr\u00f6me, einer Anpassung zur Ber\u00fccksichtigung des </span></div><div class=\"ps23907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitwerts des Geldes und der finanziellen Risiken, die mit den zuk\u00fcnftigen Zahlungsstr\u00f6men verbunden sind (Diskontierung), </span></div><div class=\"ps23908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie einer Risikoanpassung f\u00fcr nichtfinanzielle Risiken zusammen. Der Zeitwert des Geldes und die finanziellen Risiken <span class=\"f ps24\"> </span></span></div><div class=\"ps23909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beinhalten einen risikofreien Zinssatz, der aus der Eurozone-Emissionskurve mit Kreditrisikoanpassung abgeleitet wird. Zum </span></div><div class=\"ps23910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikofreien Zinssatz wird zus\u00e4tzlich die Illiquidit\u00e4tspr\u00e4mie hinzugef\u00fcgt. Die Illiquidit\u00e4tspr\u00e4mie ergibt sich aus alternativen </span></div><div class=\"ps23911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investments mit den Illiquidit\u00e4tsmerkmalen des Portfolios, auch hier mit angemessener Kreditrisikoanpassung. </span></div><div class=\"ps23912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle stellt die Renditekurven, die zur Abzinsung der gesch\u00e4tzten zuk\u00fcnftigen Zahlungsstr\u00f6me verwendet </span></div><div class=\"ps23913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, dar:</span></div><div class=\"ps23918 ss0\"><div class=\"ss1347 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16012 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-1dbd4d87 ps7210\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4496 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps4177\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17933 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17498\">10 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps13442\">20 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8909 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps45\">30 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23916 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23915\"></span><span class=\"ps23915\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20959 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18456\"></span><span class=\"ps18456\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21815 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1063\"></span><span class=\"ps1063\">4,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16749 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20714\"></span><span class=\"ps20714\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23917 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1488\"></span><span class=\"ps1488\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Risikoanpassung f\u00fcr nichtfinanzielle Risiken ist die Entsch\u00e4digung f\u00fcr das Tragen der Unsicherheit aus nichtfinanziellen </span></div><div class=\"ps23920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken in Versicherungsvertr\u00e4gen hinsichtlich der H\u00f6he und des zeitlichen Anfalls der Zahlungsstr\u00f6me. Die Risikomarge wird auf </span></div><div class=\"ps23921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basis eines Kapitalkostenansatzes berechnet. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die verwendeten Sterbetafeln setzen sich aus den offiziellen Tabellen des kroatischen Statistikamtes zusammen. Die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der K\u00fcndigungswahrscheinlichkeit und der zu erwartenden Kosten basiert auf historischen Daten. Die </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten Kapitalertr\u00e4ge werden auf Grundlage des aktuellen Anlageportfolios des Unternehmens berechnet.</span></div><div class=\"ps15455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Risiken im Versicherungsgesch\u00e4ft<span id=\"i276bfaccd5424737907ee88b3644469f\"></span></span></div><div class=\"ps23922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Versicherungsgesch\u00e4ft der RBI umfasst Pensionsversicherungen, wo das Zinsrisiko und das Risiko zuk\u00fcnftiger </span></div><div class=\"ps23923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen die wesentlichen Risiken darstellen.</span></div><div class=\"ps23924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zinsrisiko \u2013 das Risiko einer \u00c4nderung der am Markt beobachtbaren Zinss\u00e4tze</span></div><div class=\"ps23925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sterblichkeitsrisiko \u2013 das Risiko des Verlusts oder nachteiliger Entwicklungen betreffend den Wert von </span></div><div class=\"ps23926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungsverbindlichkeiten aufgrund von Ver\u00e4nderungen der Sterblichkeitsraten</span></div><div class=\"ps23927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Langlebigkeitsrisiko \u2013 das Risiko, dass die k\u00fcnftigen Aufwendungen f\u00fcr Pensionszahlungen aufgrund sinkender </span></div><div class=\"ps23928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Sterblichkeitsraten steigen</span></div><div class=\"ps23929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risiko zuk\u00fcnftiger Aufwendungen \u2013 das Risiko einer Erh\u00f6hung zuk\u00fcnftiger Aufwendungen wirkt sich auf die </span></div><div class=\"ps23931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vertragliche Servicemarge (contractual service margin, CSM) aus</span><span class=\"f charStyle-1076b8a0 ps23930\">.</span></div><div class=\"ps23932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet keine R\u00fcckversicherungsvertr\u00e4ge zwecks Risikominderung, sondern mindert das Risiko durch den </span></div><div class=\"ps23934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfoliomix. </span><span class=\"f charStyle-9eccfdcb ps23933\">Die Sensitivit\u00e4t der oben genannten Risiken ist aufgrund der absorbierenden Wirkung der vertraglichen </span></div><div class=\"ps23935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Servicemarge und keiner belastenden Vertr\u00e4ge sehr gering und wird hier daher nicht dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsuranceContractsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-511": {
   "value": "<div class=\"ps23413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Versicherungsgesch\u00e4fte<span id=\"i8d5f2fa4c8c44539bf88b69f3ad8873c\"></span></span></div><div class=\"ps23414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Versicherungsgesch\u00e4ft des Konzerns umfasst Pensionsversicherungsprodukte in Kroatien. Aufgrund der damit </span></div><div class=\"ps23415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Versicherungs- und Anlagerisiken ist die Anwendung von IFRS 17 f\u00fcr die Bilanzierung der daraus resultierenden </span></div><div class=\"ps23416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten notwendig. Alle Verm\u00f6genswerte im Zusammenhang mit der Bereitstellung von Vorsorgeprodukten werden <span class=\"f ps24\"> </span></span></div><div class=\"ps23417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach IFRS 9 bilanziert. Die nachfolgende Tabelle zeigt eine Analyse der Ver\u00e4nderungen von Verbindlichkeiten aus </span></div><div class=\"ps23418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Versicherungsvertr\u00e4gen:</span></div><div class=\"ps23809 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23586\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23780\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps21889\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23786\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23790\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23794\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23805\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23821 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23810\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23811\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-e680a4f6 ps23813\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-e680a4f6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-e680a4f6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23814\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23815\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps22232\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23816\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23817\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23818\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23819\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23820\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Tabelle zeigt die Entwicklung der Verbindlichkeiten aus Versicherungsvertr\u00e4gen seit Beginn der Periode unter </span></div><div class=\"ps23823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der Nettozahlungsstr\u00f6me und erfolgswirksamer Effekte. Aus der IFRS 17 Sicht gliedert sich die Gesamtver-<span class=\"f ps24\"> </span></span></div><div class=\"ps23824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bindlichkeit in drei Teile. Der erste Teil besteht haupts\u00e4chlich aus der bestm\u00f6glichen Sch\u00e4tzung der Deckungsr\u00fcckstellung f\u00fcr </span></div><div class=\"ps23825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftige Leistungen, d. h. dem Barwert der zuk\u00fcnftigen Annuit\u00e4ten und der zuk\u00fcnftigen Aufwendungen. Dazu wird eine <span class=\"f ps24\"> </span></span></div><div class=\"ps23826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risikoanpassung hinzugef\u00fcgt, die sich auf nichtfinanzielle Risiken der R\u00fcckstellung bezieht (z. B. Langlebigkeit, </span></div><div class=\"ps23827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sterblichkeit, Kostenrisiko). Die R\u00fcckstellung plus die Risikoanpassung bilden die Verbindlichkeit gegen\u00fcber Dritten </span></div><div class=\"ps23828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Zahlungsmittelabfluss). Die vertragliche Servicemarge stellt den zuk\u00fcnftig zu erwartenden Gewinn dar.</span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Analyse der Entwicklung von Deckungsr\u00fcckstellung und von R\u00fcckstellung f\u00fcr noch nicht abgewickelte Versicherungsf\u00e4lle:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23865\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20555\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13625\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23878\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20847\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20635\">261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23896 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20656\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23890\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22059\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23891\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20072\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21480\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23892\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23893\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23894\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23895\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Deckungsr\u00fcckstellung bezieht sich auf zuk\u00fcnftige Leistungen, die R\u00fcckstellung f\u00fcr noch nicht abgewickelte Versicherungs-</span></div><div class=\"ps23898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00e4lle umfasst den Erf\u00fcllungswert in Bezug auf vergangene Leistungen. Die belastende Vertragskomponente tritt auf, wenn die </span></div><div class=\"ps23899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preisgestaltung aufgrund der Marktentwicklung zu niedrig ist, wodurch die Vertr\u00e4ge belastend werden. Versicherungs-</span></div><div class=\"ps23900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">technische Ertr\u00e4ge in der Periode setzen sich haupts\u00e4chlich aus Ertr\u00e4gen aus der zur Verf\u00fcgung gestellten Deckung und aus der </span></div><div class=\"ps23901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufl\u00f6sung der Risikoanpassung zusammen. Die versicherungstechnischen Aufwendungen beinhalten vor allem die erwarteten </span></div><div class=\"ps23902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadensf\u00e4lle und sonstige versicherungstechnische Aufwendungen, sowie Ver\u00e4nderungen der Zahlungsstr\u00f6me und der </span></div><div class=\"ps23903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoanpassung in Bezug auf die in der Periode und in Vergangenheit gew\u00e4hrte Deckung. Die versicherungstechnischen </span></div><div class=\"ps23904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzaufwendungen betreffen die Aufzinsung und Ver\u00e4nderung der Abzinsungss\u00e4tze. </span></div><div class=\"ps23905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erf\u00fcllungswert<span id=\"ic9aa837ec2e74c5a88b3f8fb48a3e157\"></span></span></div><div class=\"ps23906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Erf\u00fcllungswert setzt sich aus Sch\u00e4tzungen der zuk\u00fcnftigen Zahlungsstr\u00f6me, einer Anpassung zur Ber\u00fccksichtigung des </span></div><div class=\"ps23907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitwerts des Geldes und der finanziellen Risiken, die mit den zuk\u00fcnftigen Zahlungsstr\u00f6men verbunden sind (Diskontierung), </span></div><div class=\"ps23908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie einer Risikoanpassung f\u00fcr nichtfinanzielle Risiken zusammen. Der Zeitwert des Geldes und die finanziellen Risiken <span class=\"f ps24\"> </span></span></div><div class=\"ps23909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beinhalten einen risikofreien Zinssatz, der aus der Eurozone-Emissionskurve mit Kreditrisikoanpassung abgeleitet wird. Zum </span></div><div class=\"ps23910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikofreien Zinssatz wird zus\u00e4tzlich die Illiquidit\u00e4tspr\u00e4mie hinzugef\u00fcgt. Die Illiquidit\u00e4tspr\u00e4mie ergibt sich aus alternativen </span></div><div class=\"ps23911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investments mit den Illiquidit\u00e4tsmerkmalen des Portfolios, auch hier mit angemessener Kreditrisikoanpassung. </span></div><div class=\"ps23912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle stellt die Renditekurven, die zur Abzinsung der gesch\u00e4tzten zuk\u00fcnftigen Zahlungsstr\u00f6me verwendet </span></div><div class=\"ps23913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, dar:</span></div><div class=\"ps23918 ss0\"><div class=\"ss1347 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16012 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-1dbd4d87 ps7210\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4496 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps4177\">5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17933 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17498\">10 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps13442\">20 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8909 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps45\">30 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss613\"><div><div class=\"ps31 ss608\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23916 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23915\"></span><span class=\"ps23915\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20959 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18456\"></span><span class=\"ps18456\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21815 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1063\"></span><span class=\"ps1063\">4,4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16749 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20714\"></span><span class=\"ps20714\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23917 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1488\"></span><span class=\"ps1488\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Risikoanpassung f\u00fcr nichtfinanzielle Risiken ist die Entsch\u00e4digung f\u00fcr das Tragen der Unsicherheit aus nichtfinanziellen </span></div><div class=\"ps23920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken in Versicherungsvertr\u00e4gen hinsichtlich der H\u00f6he und des zeitlichen Anfalls der Zahlungsstr\u00f6me. Die Risikomarge wird auf </span></div><div class=\"ps23921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basis eines Kapitalkostenansatzes berechnet. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die verwendeten Sterbetafeln setzen sich aus den offiziellen Tabellen des kroatischen Statistikamtes zusammen. Die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der K\u00fcndigungswahrscheinlichkeit und der zu erwartenden Kosten basiert auf historischen Daten. Die </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten Kapitalertr\u00e4ge werden auf Grundlage des aktuellen Anlageportfolios des Unternehmens berechnet.</span></div><div class=\"ps15455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Risiken im Versicherungsgesch\u00e4ft<span id=\"i276bfaccd5424737907ee88b3644469f\"></span></span></div><div class=\"ps23922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Versicherungsgesch\u00e4ft der RBI umfasst Pensionsversicherungen, wo das Zinsrisiko und das Risiko zuk\u00fcnftiger </span></div><div class=\"ps23923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen die wesentlichen Risiken darstellen.</span></div><div class=\"ps23924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zinsrisiko \u2013 das Risiko einer \u00c4nderung der am Markt beobachtbaren Zinss\u00e4tze</span></div><div class=\"ps23925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sterblichkeitsrisiko \u2013 das Risiko des Verlusts oder nachteiliger Entwicklungen betreffend den Wert von </span></div><div class=\"ps23926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungsverbindlichkeiten aufgrund von Ver\u00e4nderungen der Sterblichkeitsraten</span></div><div class=\"ps23927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Langlebigkeitsrisiko \u2013 das Risiko, dass die k\u00fcnftigen Aufwendungen f\u00fcr Pensionszahlungen aufgrund sinkender </span></div><div class=\"ps23928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Sterblichkeitsraten steigen</span></div><div class=\"ps23929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risiko zuk\u00fcnftiger Aufwendungen \u2013 das Risiko einer Erh\u00f6hung zuk\u00fcnftiger Aufwendungen wirkt sich auf die </span></div><div class=\"ps23931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vertragliche Servicemarge (contractual service margin, CSM) aus</span><span class=\"f charStyle-1076b8a0 ps23930\">.</span></div><div class=\"ps23932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet keine R\u00fcckversicherungsvertr\u00e4ge zwecks Risikominderung, sondern mindert das Risiko durch den </span></div><div class=\"ps23934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfoliomix. </span><span class=\"f charStyle-9eccfdcb ps23933\">Die Sensitivit\u00e4t der oben genannten Risiken ist aufgrund der absorbierenden Wirkung der vertraglichen </span></div><div class=\"ps23935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Servicemarge und keiner belastenden Vertr\u00e4ge sehr gering und wird hier daher nicht dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInsuranceContracts",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-513": {
   "value": "<div class=\"ps23809 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23586\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23780\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps21889\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23786\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23790\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23794\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23805\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23821 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1310\"><div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1339\"><div><div class=\"ps5430 ss359\"><span class=\"f charStyle-1dbd4d87 ps5933\">Sch\u00e4tzungen des <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss359\"><span class=\"f charStyle-1dbd4d87 ps1674\">Barwerts der </span></div><div class=\"ps5427 ss359\"><span class=\"f charStyle-1dbd4d87 ps14183\">zuk\u00fcnftigen Cash-Flows</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1340\"><div><div class=\"ps5427 ss377\"><span class=\"f charStyle-1dbd4d87 ps23769\">Risikoanpassung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21634 ss132\"><div><div class=\"ps5426 ss129\"><span class=\"f charStyle-1dbd4d87 ps9132\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss129\"><span class=\"f charStyle-1dbd4d87 ps10957\">Servicemarge</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #2b2d33;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps23771\">Verbindlichkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23773 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23810\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23774 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23811\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #2b2d33;padding:0\"><div class=\"ps23776 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23217 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-e680a4f6 ps23813\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23778 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-e680a4f6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-e680a4f6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-ca7bbde0 ps23814\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4812 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23221 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23815\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23781 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps22232\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23816\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23784 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23228 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23817\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23787 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps23818\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23788 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20179\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23819\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23791 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23820\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23795 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23243 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23798\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23799 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps1239\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps23777\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23802 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-375ad3a6 ps20730\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23250 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps23772\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23806 ss711\"><div><div class=\"ps31 ss377\"><span class=\"f charStyle-1dbd4d87 ps20210\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3068\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20668\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23865\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20555\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23789\">-9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13625\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17686\">47<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20708\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8037\">-27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23878\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20847\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20635\">261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17259\">261<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23896 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:192pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1341\"><div><div class=\"ps23829 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps23831 ss298\"><div><div class=\"ps31 ss297\"><span class=\"f charStyle-1dbd4d87 ps23830\">Deckungsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1342\"><div><div class=\"ps23832 ss26\"><span class=\"f charStyle-1dbd4d87 ps12708\">R\u00fcckstellung f\u00fcr noch <span class=\"f ps24\"> </span></span></div><div class=\"ps23834 ss26\"><span class=\"f charStyle-1dbd4d87 ps23833\">nicht abgewickelte </span></div><div class=\"ps23829 ss26\"><span class=\"f charStyle-1dbd4d87 ps606\">Versicherungsf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps43 ss1343\"><div><div class=\"ps23829 ss5\"><span class=\"f charStyle-1dbd4d87 ps23835\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps6349\">Ohne belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps16235\">Vertragskomponente</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23837 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps10118\">Belastende <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps14208\">Vertragskomponente</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20656\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11183 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23890\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23842 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps23812\">280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23843 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22059\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23845 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23891\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15184 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23848 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23847\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23851 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17232\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2066 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23852 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23853 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23854 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20618\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23855 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20072\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1497 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnisches Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23857 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23856\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23858 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20872\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23860 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1508 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Versicherungstechnische Finanzaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23861 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21480\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23862 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23863 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23864 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18380\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00c4nderungen in der Gewinn- und Verlustrechnung gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23866 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23892\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23867 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23868 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23893\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23869 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps18516\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23870 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23894\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23872 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23873 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps15124\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1547 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Sch\u00e4den, Leistungen und sonstige gezahlten Aufwendungen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23874 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23876 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23877 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Cash-Flows gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23879 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23895\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23880 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23881 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23882 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17253\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23883 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23885 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23886 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1588 ss1344\"><div><div class=\"ps31 ss701\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23887 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23838\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps23840\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23888 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20741\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17948\">250<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsurancePremiumRevenueExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-514": {
   "value": "<div class=\"ps23932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet keine R\u00fcckversicherungsvertr\u00e4ge zwecks Risikominderung, sondern mindert das Risiko durch den </span></div>Portfoliomix.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReinsuranceExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-515": {
   "value": "<div class=\"ps23936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(29) Eigenkapital und nicht beherrschende Anteile<span id=\"i6554deeb55424d0aadb22de360482a0a\"></span></span></div><div class=\"ps23937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet IAS 32 an, um zu entscheiden, ob eine Klassifizierung als finanzielle Verbindlichkeit oder als Eigenkapital </span></div><div class=\"ps23938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzunehmen ist. Ausgegebene Finanzinstrumente werden als Verbindlichkeiten klassifiziert, wenn die vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps23939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarung dazu f\u00fchrt, dass die RBI verpflichtet ist, entweder fl\u00fcssige Mittel oder andere finanzielle Verm\u00f6genswerte oder </span></div><div class=\"ps23940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine variable Anzahl von Eigenkapitalanteilen an den Inhaber des Instruments zu liefern. Ist dies nicht der Fall, wird das </span></div><div class=\"ps23941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instrument als Eigenkapitalinstrument eingestuft, und die Erl\u00f6se abz\u00fcglich der Transaktionskosten werden im Eigenkapital </span></div><div class=\"ps23942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps23948 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Konzern-Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19948\">19.452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23943\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20241\">1.001<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Kapitalr\u00fccklagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23944\">4.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21500\">4.990<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Gewinnr\u00fccklagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23945\">17.127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20913\">16.213<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps6020\">davon Konzernergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18475\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18388\">1.157<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Kumuliertes sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21805\">-3.661<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20102\">-4.905<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kapital nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21452\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18474\">1.260<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliches Kernkapital (AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23946\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20729\">1.781<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20166\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23947\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Entwicklung des Eigenkapitals wird auf das Kapitel Eigenkapitalver\u00e4nderungsrechnung verwiesen.</span></div><div class=\"ps23949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auflistung aller erstkonsolidierten Unternehmen ist im Kapitel Konsolidierungskreis ersichtlich.</span></div><div class=\"ps23954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern-Return-on-Equity belief sich im Gesch\u00e4ftsjahr auf </span><span class=\"f charStyle-9eccfdcb ps23950\">6,9</span><span class=\"f charStyle-9eccfdcb ps23951\"> Prozent (Vorjahr: <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps23952\">9,4</span><span class=\"f charStyle-9eccfdcb ps23953\"> Prozent). Dieser sank im Wesentlichen </span></div><div class=\"ps23955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des, wegen des negativen Effekts der beiden Rasperia Verfahren, niedrigeren Konzernergebnisses und der um 10 </span></div><div class=\"ps23956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent erh\u00f6hten durchschnittlichen Eigenkapitalbasis. Die gem\u00e4\u00df \u00a7 64 Abs 1 Z 19 BWG berechnete Gesamtkapitalrentabilit\u00e4t </span></div><div class=\"ps23957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrug 0,65 Prozent (Vorjahr: 0,58 Prozent).</span></div><div class=\"ps23958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Gezeichnetes Kapital<span id=\"icad63a4b39f243368b6ad8f9af14efe7\"></span></span></div><div class=\"ps23965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Das Grundkapit</span></span><span class=\"f charStyle-9eccfdcb ps23959\">al der Gesellschaft betr\u00e4gt zum 31. Dezembe</span><span class=\"f charStyle-26fbf26f ps23960\"><span style=\"background-color:inherit\">r 2025 \u20ac</span></span><span class=\"f charStyle-9eccfdcb ps23961\"> 1.003.265.844,05 und ist in </span><span class=\"f charStyle-9eccfdcb ps23962\">328.939.621</span><span class=\"f charStyle-26fbf26f ps23963\"><span style=\"background-color:inherit\"> auf </span></span><span class=\"f charStyle-9eccfdcb ps23964\">Inhaber </span></div><div class=\"ps23966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lautende stimmberechtigte Stammaktien aufgeteilt. Davon sind zum Stichtag 31. Dezember </span><span class=\"f charStyle-9eccfdcb ps2346\">2025</span><span class=\"f charStyle-9eccfdcb ps2347\"> </span><span class=\"f charStyle-9eccfdcb ps2348\">698.767</span><span class=\"f charStyle-9eccfdcb ps2349\"> St\u00fcck (Vorjahr: </span></div><div class=\"ps23971 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">525.274</span><span class=\"f charStyle-9eccfdcb ps23967\"> St\u00fcck) eigene Aktien, sodass sich zum Bilanzstichtag </span><span class=\"f charStyle-9eccfdcb ps23968\">328.240.854</span><span class=\"f charStyle-9eccfdcb ps23969\"> Aktien im Umlauf befanden.</span><span class=\"f charStyle-9eccfdcb ps23970\"> </span></div><div class=\"ps23972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eigene Aktien<span id=\"i32cc1d323335491b87634218569216dc\"></span></span></div><div class=\"ps23973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die zum Bilanzstichtag im Bestand befindlichen eigenen Aktien der RBI AG werden direkt vom Eigenkapital abgesetzt. Aus </span></div><div class=\"ps23974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien resultierende Gewinne oder Verluste werden ergebnisneutral verrechnet.</span></div><div class=\"ps23975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Hauptversammlung vom 4. April 2024 erm\u00e4chtigte den Vorstand nach den Bestimmungen des \u00a7 65 Abs 1 Z 8 sowie Abs 1a </span></div><div class=\"ps23976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Abs 1b AktG zum Erwerb und, ohne dass die Hauptversammlung vorher nochmals befasst werden muss, gegebenenfalls zur </span></div><div class=\"ps23977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einziehung eigener Aktien, wobei mit Zustimmung des Aufsichtsrats der Erwerb auch au\u00dferb\u00f6rslich unter Ausschluss des </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">quotenm\u00e4\u00dfigen Andienungsrechts der Aktion\u00e4r:innen erfolgen kann. Der Anteil der zu erwerbenden und bereits erworbenen </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien darf insgesamt 10 Prozent des jeweiligen Grundkapitals der Gesellschaft nicht \u00fcbersteigen. Die Dauer der </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erm\u00e4chtigung zum Erwerb eigener Aktien ist mit 30 Monaten ab dem Datum der Beschlussfassung in der Hauptversammlung, </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sohin bis zum 4. Oktober 2026, begrenzt. Der geringste beim R\u00fcckerwerb zu leistende Gegenwert betr\u00e4gt \u20ac 3,05 pro Aktie, der </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00f6chste beim R\u00fcckerwerb zu leistende Gegenwert darf nicht mehr als 10 Prozent \u00fcber dem durchschnittlichen, ungewichteten </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">B\u00f6rseschlusskurs der der Aus\u00fcbung dieser Erm\u00e4chtigung vorangegangenen 10 Handelstage liegen. Diese Erm\u00e4chtigung kann </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ganz oder teilweise oder auch in mehreren Teilbetr\u00e4gen und in Verfolgung eines oder mehrerer Zwecke \u2013 mit Ausnahme des </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapierhandels \u2013 durch die Gesellschaft, durch ein Tochterunternehmen (\u00a7 189a Z 7 UGB) oder f\u00fcr deren Rechnung durch </span></div><div class=\"ps3802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dritte ausge\u00fcbt werden.</span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand wurde weiters gem\u00e4\u00df \u00a7 65 Abs 1b AktG erm\u00e4chtigt, mit Zustimmung des Aufsichtsrats f\u00fcr die Ver\u00e4u\u00dferung der </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien eine andere Art der Ver\u00e4u\u00dferung als \u00fcber die B\u00f6rse oder durch ein \u00f6ffentliches Angebot unter teilweisem oder </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">g\u00e4nzlichem Ausschluss des Bezugsrechts der Aktion\u00e4r:innen zu beschlie\u00dfen und die Ver\u00e4u\u00dferungsbedingungen festzusetzen. </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Bezugsrecht der Aktion\u00e4r:innen darf nur dann ausgeschlossen werden, wenn die Verwendung der eigenen Aktien als </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenleistung f\u00fcr eine Sacheinlage, beim Erwerb von Unternehmen, Betrieben, Teilbetrieben oder Anteilen an einer oder </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehreren Gesellschaften im In- oder Ausland erfolgt. Weiters kann f\u00fcr den Fall, dass k\u00fcnftig Wandelschuldverschreibungen </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgegeben werden, das Bezugsrecht der Aktion\u00e4r:innen auch ausgeschlossen werden, um (eigene) Aktien an solche Gl\u00e4ubiger </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Wandelschuldverschreibungen auszugeben, die von dem ihnen gem\u00e4\u00df den Bedingungen der Wandelschuldverschreibungen </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrten Umtausch- oder Bezugsrecht auf Aktien der Gesellschaft Gebrauch gemacht haben, sowie im Falle einer in den </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausgabebedingungen von Wandelschuldverschreibungen festgelegten Wandlungspflicht, um diese Wandlungspflicht zu </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllen. Diese Erm\u00e4chtigung kann ganz oder teilweise oder auch in mehreren Teilbetr\u00e4gen und in Verfolgung eines oder </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrerer Zwecke durch die Gesellschaft, durch ein Tochterunternehmen (\u00a7 189a Z 7 UGB) oder f\u00fcr deren Rechnung durch Dritte </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausge\u00fcbt werden und gilt f\u00fcr die Dauer von f\u00fcnf Jahren ab dem Datum der Beschlussfassung, sohin bis zum 4. April 2029. </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seither wurden aufgrund dieser Erm\u00e4chtigung vom April 2024 keine eigenen Aktien erworben.</span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Hauptversammlung vom 4. April 2024 erm\u00e4chtigte den Vorstand ferner nach den Bestimmungen des \u00a7 65 Abs 1 Z 7 AktG, </span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Zweck des Wertpapierhandels, der auch au\u00dferb\u00f6rslich durchgef\u00fchrt werden darf, f\u00fcr die Dauer von 30 Monaten ab dem </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datum der Beschlussfassung, sohin bis zum 4. Oktober 2026, eigene Aktien zu erwerben, wobei der Handelsbestand der zu </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Zweck erworbenen Aktien am Ende jeden Tages 5 Prozent des jeweiligen Grundkapitals der Gesellschaft nicht </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbersteigen darf. Der Gegenwert f\u00fcr die zu erwerbenden Aktien darf die H\u00e4lfte des Schlusskurses an der Wiener B\u00f6rse am </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">letzten Handelstag vor dem Erwerb nicht unter- und das Doppelte des Schlusskurses an der Wiener B\u00f6rse am letzten </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelstag vor dem Erwerb nicht \u00fcberschreiten. Diese Erm\u00e4chtigung kann ganz oder teilweise oder auch in mehreren </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teilbetr\u00e4gen durch die Gesellschaft, durch ein Tochterunternehmen (\u00a7 189a Z 7 UGB) oder f\u00fcr deren Rechnung durch Dritte </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausge\u00fcbt werden.</span></div><div class=\"ps23986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seither wurden aufgrund dieser Erm\u00e4chtigung vom April 2024 keine eigenen Aktien zum Zweck des Wertpapierhandels </span></div><div class=\"ps23987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erworben.</span></div><div class=\"ps23988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Genehmigtes Kapital<span id=\"if3a4845d8526488989c216dff1a9d0b8\"></span></span></div><div class=\"ps22522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Der Vorstand ist seit der Hauptversammlung vom 4. April 2024 gem\u00e4\u00df \u00a7 169 AktG erm\u00e4chtigt, bis l\u00e4ngstens 16. Mai 2029 mit </span></span></div><div class=\"ps22523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zustimmung des Aufsichtsrats das Grundkapital \u2013 allenfalls in mehreren Tranchen \u2013 um bis zu \u20ac 501.632.920,50 durch Ausgabe </span></span></div><div class=\"ps22524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">von bis zu 164.469.810 St\u00fcck neuen, auf Inhaber lautenden stimmberechtigten Stammaktien gegen Bar- und/oder Sacheinlage </span></span></div><div class=\"ps22525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zu erh\u00f6hen (auch im Wege des mittelbaren Bezugsrechts durch ein Kreditinstitut gem\u00e4\u00df \u00a7 153 Abs 6 AktG) und den Ausgabekurs </span></span></div><div class=\"ps22526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie die Ausgabebedingungen im Einvernehmen mit dem Aufsichtsrat festzusetzen. Der Vorstand ist ferner erm\u00e4chtigt, mit </span></span></div><div class=\"ps22527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zustimmung des Aufsichtsrats das gesetzliche Bezugsrecht der Aktion\u00e4re auszuschlie\u00dfen, (i) wenn die Kapitalerh\u00f6hung gegen </span></span></div><div class=\"ps22528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sacheinlage erfolgt oder (ii) wenn die Kapitalerh\u00f6hung gegen Bareinlage erfolgt und die unter Ausschluss des Bezugsrechts </span></span></div><div class=\"ps22529 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ausgegebenen Aktien insgesamt 10 Prozent des Grundkapitals der Gesellschaft nicht \u00fcberschreiten (Bezugsrechtsausschluss). </span></span></div><div class=\"ps22530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die (i) Ausn\u00fctzung des genehmigten Kapitals unter Ausschluss des gesetzlichen Bezugsrechts bei Kapitalerh\u00f6hung gegen </span></span></div><div class=\"ps22531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bareinlage sowie die (ii) Durchf\u00fchrung des in der Hauptversammlung vom 26. M\u00e4rz 2025 beschlossenen bedingten Kapitals </span></span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(siehe unten)</span></span><span class=\"f charStyle-9eccfdcb ps2407\"> zur Gew\u00e4hrung von Umtausch- und Bezugsrechten an Gl\u00e4ubiger von Wandelschuldverschreibungen </span><span class=\"f charStyle-26fbf26f ps2408\"><span style=\"background-color:inherit\">d\u00fcrfen </span></span></div><div class=\"ps23989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">insgesamt 10 Prozent des Grundkapitals der Gesellschaft nicht \u00fcberschreiten. Die Ausn\u00fctzung des genehmigten Kapitals in </span></span></div><div class=\"ps23990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Form einer Kapitalerh\u00f6hung gegen Sacheinlage ist von dieser Einschr\u00e4nkung nicht u</span></span><span class=\"f charStyle-9eccfdcb ps2409\">mfasst.</span></div><div class=\"ps5129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seither wurde von dieser Erm\u00e4chtigung vom April 2024 kein Gebrauch gemacht.</span></div><div class=\"ps23991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Dividende<span class=\"f ps24\"> </span><span id=\"if69bacbc85dc4bc09a1425ee874940ac\"></span></span></div><div class=\"ps23992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die ordentliche Hauptversammlung beschloss am 26. M\u00e4rz 2025 die Aussch\u00fcttung einer Dividende in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps934\">1,10</span><span class=\"f charStyle-9eccfdcb ps935\"> je </span></div><div class=\"ps23993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dividendenberechtigter Aktie f\u00fcr das Gesch\u00e4ftsjahr 2024. Dies entspricht einer Aussch\u00fcttungssumme in H\u00f6he von \u20ac 360.681.550. </span></div><div class=\"ps23994 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Dividendenvorschlag<span id=\"i4108340eec7d4ea48e45e200e4f5f312\"></span></span></div><div class=\"ps23995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand wird der Hauptversammlung am 9. April 2026 die Aussch\u00fcttung einer Dividende von \u20ac </span><span class=\"f charStyle-9eccfdcb ps938\">1,60</span><span class=\"f charStyle-9eccfdcb ps939\"> je Aktie vorschlagen. </span></div><div class=\"ps23996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daraus w\u00fcrde sich auf Basis der ausgegebenen Aktien ein Betrag von rund \u20ac </span><span class=\"f charStyle-9eccfdcb ps941\">525</span><span class=\"f charStyle-9eccfdcb ps942\"> Millionen errechnen.</span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Anzahl der im Umlauf befindlichen Aktien<span class=\"f ps24\"> </span><span id=\"i285f428d22f644b6a402daa2a1891960\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der ausgegebenen Aktien 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10120\">328.939.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10120\">328.939.621<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgabe neuer Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der ausgegebenen Aktien 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10120\">328.939.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10120\">328.939.621<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigene Aktien im Bestand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17452\">525.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps10664\">573.938<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erwerb eigener Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps9390\">173.493<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abgang eigener Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps10642\">-48.664<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Abz\u00fcglich: eigene Aktien im Bestand 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23997\">698.767<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17961\">525.274<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der im Umlauf befindlichen Aktien 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps353\">328.240.854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9810\">328.414.347<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zus\u00e4tzliches Kernkapital<span id=\"iab35c20b0713491291a1bddbb189e526\"></span></span></div><div class=\"ps23999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 5. Juli 2017 emittierte die RBI AG zus\u00e4tzliches Kernkapital (AT1) im Nominale von \u20ac 650.000 Tausend mit unbegrenzter </span></div><div class=\"ps24000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeit. Der Zinssatz betrug bis 14. Dezember 2022 6,125 Prozent p.a. und wurde danach mit 8,659 Prozent neu festgesetzt. Am </span></div><div class=\"ps24001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">27. November 2024 wurde eine Teilkonfudierung durchgef\u00fchrt, welche das Nominale um \u20ac 475.800 Tausend reduzierte. Am 15. </span></div><div class=\"ps24002 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Juni 2025 wurde der ausstehende Gesamtnennbetrag in H\u00f6he von \u20ac 174.200 Tausend zur\u00fcckgezahlt. </span></div><div class=\"ps24003 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit Valuta 24. J\u00e4nner 2018 platzierte die RBI eine weitere Emission von zus\u00e4tzlichem Kernkapital (AT1) mit unbegrenzter Laufzeit </span></div><div class=\"ps24004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Volumen von \u20ac 500.000 Tausend. Der diskretion\u00e4re Kupon dieser Emission betrug bis Mitte Juni 2025 4,5 Prozent p.a. und </span></div><div class=\"ps24005 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde danach neu auf 6,089 Prozent p.a. festgesetzt. Am 22. September 2025 wurde ein Gesamtnennbetrag von \u20ac 197.400 </span></div><div class=\"ps24006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend zur\u00fcckgekauft und am 15. Dezember 2025 wurde der restliche ausstehende Gesamtnennbetrag in H\u00f6he von \u20ac 302.600 </span></div><div class=\"ps24007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend zur\u00fcckgezahlt.<span class=\"f ps24\"> </span></span></div><div class=\"ps24008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit Valuta 29. Juli 2020 wurde von der RBI eine weitere Emission von zus\u00e4tzlichem Kernkapital (AT1) mit unbegrenzter Laufzeit </span></div><div class=\"ps24009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Volumen von \u20ac 500.000 Tausend platziert. Der diskretion\u00e4re Kupon dieser Emission betr\u00e4gt bis Dezember 2026 6 Prozent p.a. </span></div><div class=\"ps24010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und wird danach neu festgesetzt. </span></div><div class=\"ps24011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit Valuta 25. November 2024 platzierte die RBI eine weitere Emission von zus\u00e4tzlichem Kernkapital (AT1) mit unbegrenzter </span></div><div class=\"ps24012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeit mit einem Volumen von \u20ac 650.000 Tausend. Der diskretion\u00e4re Kupon dieser Emission betr\u00e4gt bis Juni 2030 7,375 </span></div><div class=\"ps24013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent p.a. und wird danach neu festgesetzt. </span></div><div class=\"ps24014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit Valuta 17. September 2025 platzierte die RBI eine weitere Emission von zus\u00e4tzlichem Kernkapital (AT1) mit unbegrenzter </span></div><div class=\"ps24015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeit mit einem Volumen von \u20ac 500.000 Tausend. Der diskretion\u00e4re Kupon dieser Emission betr\u00e4gt bis Dezember 2031 6,375 </span></div><div class=\"ps24016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent p.a. und wird danach neu festgesetzt. </span></div><div class=\"ps24017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das zus\u00e4tzliche Kernkapital wird aufgrund der Emissionsbedingungen nach IAS 32 als Eigenkapital klassifiziert. Die im </span></div><div class=\"ps24020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenbestand befindlichen Anteile zur Nominale von \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps24018\">23.000</span><span class=\"f charStyle-9eccfdcb ps24019\"> Tausend wurden ebenfalls vom Kapital abgezogen. Der Nennwert </span></div><div class=\"ps24021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pro St\u00fcck betr\u00e4gt f\u00fcr alle Tranchen \u20ac 200 Tausend.<span class=\"f ps24\"> </span></span></div><div class=\"ps24024 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der AT1 Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der emittierten AT1 Wertpapiere 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps24022\">9.121<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20203\">8.250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Neuemission AT1 Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23106\">2.500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23412\">3.250<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckzahlung AT1 Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19205\">-3.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24023\">-2.379<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der ausgegebenen AT1 Wertpapiere 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20203\">8.250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps24022\">9.121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigene AT1 Wertpapiere im Bestand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erwerb eigener AT1 Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20551\">524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">378<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abgang eigener AT1 Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps5676\">-436<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Abz\u00fcglich: eigene AT1 Wertpapiere im Bestand 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20560\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps786\">83<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der im Umlauf befindlichen AT1 Wertpapiere 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20263\">8.135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22194\">9.038<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entwicklung kumuliertes sonstiges Ergebnis des Konzern-Eigenkapitals (ohne nicht <span id=\"if58f77a7f93a4db7b7b7e40ec9d66397\"></span></span></div><div class=\"ps24026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">beherrschenden Anteile)</span></div><div class=\"ps24027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im sonstigen Ergebnis sind alle nach den Rechnungslegungsstandards direkt im Eigenkapital zu erfassenden Ertr\u00e4ge und </span></div><div class=\"ps24028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen enthalten. Direkt im Eigenkapital erfasste Ertr\u00e4ge und Aufwendungen, die in die Erfolgsrechnung umgegliedert </span></div><div class=\"ps24029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, werden getrennt von direkt im Eigenkapital erfassten Ertr\u00e4gen und Aufwendungen, die nicht in die Erfolgsrechnung </span></div><div class=\"ps24030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umgegliedert werden, dargestellt. W\u00e4hrungsdifferenzen aus der Umrechnung des in Fremdw\u00e4hrung gehaltenen Eigenkapitals </span></div><div class=\"ps24031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Tochtergesellschaften, Ver\u00e4nderungen der Absicherung von Nettoinvestitionen in ausl\u00e4ndische Teileinheiten (Net <span class=\"f ps24\"> </span></span></div><div class=\"ps24032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investment Hedge), der effektive Teil des Cash-Flow Hedge, die Bewertungs\u00e4nderungen von finanziellen Verm\u00f6genswerten </span></div><div class=\"ps24033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Fremdkapitalinstrumente) der Kategorie FVOCI, das anteilige sonstige Ergebnis aus at-equity bewerteten Unternehmen sowie </span></div><div class=\"ps24034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die darauf entfallenden latenten Ertragsteuern werden als im Eigenkapital erfasste Ertr\u00e4ge und Aufwendungen dargestellt, die </span></div><div class=\"ps24035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in die Erfolgsrechnung umgegliedert werden. Neubewertungen von leistungsorientierten Pensionspl\u00e4nen, die </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungs\u00e4nderungen von finanziellen Verm\u00f6genswerten (Eigenkapitalinstrumente) der Kategorie FVOCI, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungs\u00e4nderungen aufgrund der Ver\u00e4nderung des eigenen Ausfallrisikos von finanziellen Verbindlichkeiten sowie der auf </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">at\u2011equity bewertete Unternehmen entfallende Anteil am sonstigen Ergebnis einschlie\u00dflich der jeweils zugeh\u00f6rigen latenten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragsteuern werden als im Eigenkapital erfasste Ertr\u00e4ge und Aufwendungen dargestellt, die nicht in die Erfolgsrechnung </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umgegliedert werden.</span></div><div class=\"ps21608 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:70.5pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1348\"><div><div class=\"ps516 ss123\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5080 ss917\"><div><div class=\"ps1485 ss916\"><span class=\"f charStyle-1dbd4d87 ps21265\">Neubewertungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss916\"><span class=\"f charStyle-1dbd4d87 ps11046\">r\u00fccklage gem\u00e4\u00df IAS 19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10334 ss1350\"><div><div class=\"ps1485 ss1349\"><span class=\"f charStyle-1dbd4d87 ps24037\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1349\"><span class=\"f charStyle-1dbd4d87 ps9382\">differenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24038 ss1350\"><div><div class=\"ps1485 ss1349\"><span class=\"f charStyle-1dbd4d87 ps303\">Absicherung <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1349\"><span class=\"f charStyle-1dbd4d87 ps9435\">Nettoinvestition</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24039 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-1dbd4d87 ps5954\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24041 ss934\"><div><div class=\"ps31 ss916\"><span class=\"f charStyle-1dbd4d87 ps24040\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24042 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps20540\">-4.629<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24043 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps1218\">175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24044 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps23627\">-73<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Unrealisierte Gewinne/Verluste der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11337 ss934\"><div><div class=\"ps31 ss916\"><span class=\"f charStyle-375ad3a6 ps24045\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24047 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24048 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24049 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1348\"><div><div class=\"ps1485 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Posten, die anschlie\u00dfend m\u00f6glicherweise in den Gewinn oder <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Verlust umgegliedert werden</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24050 ss917\"><div><div class=\"ps516 ss916\"><span class=\"f charStyle-375ad3a6 ps22396\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16888 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24051\">-915<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24052 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps6736\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24054 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24053\">-103<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">In die Erfolgsrechnung umgegliederte Gewinne/Verluste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23138 ss934\"><div><div class=\"ps31 ss916\"><span class=\"f charStyle-375ad3a6 ps22396\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24056 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24055\">570<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24058 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24057\">-49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24059 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1348\"><div><div class=\"ps1485 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Reklassifizierung der Bewertungsreserve von finanziellen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerten</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24060 ss917\"><div><div class=\"ps516 ss916\"><span class=\"f charStyle-375ad3a6 ps22396\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24061 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24062 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24063 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1934 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23149 ss934\"><div><div class=\"ps31 ss916\"><span class=\"f charStyle-1dbd4d87 ps24064\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24065 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps23586\">-4.974<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24066 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps24057\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24067 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps21598\">-176<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12884 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Unrealisierte Gewinne/Verluste der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23155 ss934\"><div><div class=\"ps31 ss916\"><span class=\"f charStyle-375ad3a6 ps24068\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24069 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24070 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24071 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3029 ss1348\"><div><div class=\"ps1485 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Posten, die anschlie\u00dfend m\u00f6glicherweise in den Gewinn oder <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Verlust umgegliedert werden</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23162 ss917\"><div><div class=\"ps516 ss916\"><span class=\"f charStyle-375ad3a6 ps22396\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24072 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps18479\">1.103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24073 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps1180\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24075 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24074\">163<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10913 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">In die Erfolgsrechnung umgegliederte Gewinne/Verluste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24076 ss934\"><div><div class=\"ps31 ss916\"><span class=\"f charStyle-375ad3a6 ps22396\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24077 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24078 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24079 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20850 ss1348\"><div><div class=\"ps1485 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Reklassifizierung der Bewertungsreserve von finanziellen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerten</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24080 ss917\"><div><div class=\"ps516 ss916\"><span class=\"f charStyle-375ad3a6 ps22396\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24081 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24082 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24083 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24085 ss934\"><div><div class=\"ps31 ss916\"><span class=\"f charStyle-1dbd4d87 ps24084\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24086 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps10804\">-3.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24087 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps22143\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24089 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps24088\">-13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24090 ss934\"><div><div class=\"ps31 ss916\"><span class=\"f charStyle-375ad3a6 ps24045\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10181 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24091 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24092 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps21928\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025 netto<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24093 ss934\"><div><div class=\"ps31 ss916\"><span class=\"f charStyle-1dbd4d87 ps24084\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24094 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps10804\">-3.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24095 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps22143\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24097 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps24096\">-8<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24159 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:191.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5922 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-1dbd4d87 ps24098\">At Fair Value OCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10334 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps9350\">Fair Value Option<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24038 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps125\">At-equity<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24039 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps19543\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24099 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-1dbd4d87 ps20355\">52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16874 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps24100\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24101 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps20252\">-130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24102 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps20250\">-4.602<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">Unrealisierte Gewinne/Verluste der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24103 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-375ad3a6 ps1210\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16882 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps23748\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24104 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps7765\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24105 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps20557\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1353\"><div><div class=\"ps1485 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">Posten, die anschlie\u00dfend m\u00f6glicherweise in den Gewinn oder Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">umgegliedert werden</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24106 ss1354\"><div><div class=\"ps516 ss1345\"><span class=\"f charStyle-375ad3a6 ps20839\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24107 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24108 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps20638\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24109 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps23768\">-864<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">In die Erfolgsrechnung umgegliederte Gewinne/Verluste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24110 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-375ad3a6 ps1180\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24111 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24112 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24113 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps20120\">521<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1353\"><div><div class=\"ps1485 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">Reklassifizierung der Bewertungsreserve von finanziellen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerten</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24114 ss1354\"><div><div class=\"ps516 ss1345\"><span class=\"f charStyle-375ad3a6 ps20682\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24115 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24116 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24118 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24117\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24119 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-1dbd4d87 ps19205\">134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24120 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps22055\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24122 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps24121\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24123 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps17979\">-4.933<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3028 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">Unrealisierte Gewinne/Verluste der Periode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24124 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-375ad3a6 ps22076\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24126 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24125\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24127 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps21928\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24129 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24128\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1353\"><div><div class=\"ps1485 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">Posten, die anschlie\u00dfend m\u00f6glicherweise in den Gewinn oder Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">umgegliedert werden</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24130 ss1354\"><div><div class=\"ps516 ss1345\"><span class=\"f charStyle-375ad3a6 ps1069\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24131 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24132 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps21954\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24133 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps23944\">1.278<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">In die Erfolgsrechnung umgegliederte Gewinne/Verluste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24134 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-375ad3a6 ps1180\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24135 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24136 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24137 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss1353\"><div><div class=\"ps1485 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">Reklassifizierung der Bewertungsreserve von finanziellen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerten</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24138 ss1354\"><div><div class=\"ps516 ss1345\"><span class=\"f charStyle-375ad3a6 ps18388\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24139 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24046\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24141 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps24140\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24142 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-375ad3a6 ps20737\">-17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4780 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24143 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-1dbd4d87 ps20199\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24144 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps20570\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24145 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps1202\">-78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24146 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps20540\">-3.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4782 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24148 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-375ad3a6 ps24147\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24150 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24149\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24152 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24151\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24153 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps21948\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11839 ss1352\"><div><div class=\"ps31 ss644\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025 netto<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24154 ss1346\"><div><div class=\"ps31 ss1345\"><span class=\"f charStyle-1dbd4d87 ps20230\">135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24155 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps826\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24157 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps24156\">-75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24158 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps9349\">-3.661<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung der dem sonstigen Ergebnis zugeh\u00f6rigen latenten Steuern:</span></div><div class=\"ps24172 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:141.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1516\">1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps9434\">Entwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps9434\">Entwicklung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Neubewertungsr\u00fccklage gem\u00e4\u00df IAS 19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22272 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18456\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18448\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsdifferenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24161 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Absicherung Nettoinvestition<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Cash-Flow Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24163 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1065\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18738\">-42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">At Fair Value OCI<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18456\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19957\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23259\">-32<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Fair Value Option<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24165 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">At-equity<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24167 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16754\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">Latente Steuern gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24169\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20708\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20196\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21624\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19961\">-23<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24173 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ver\u00e4nderungen des beizulegenden Zeitwerts designierter Verbindlichkeiten, die sich aus Ver\u00e4nderungen des eigenen </span></div><div class=\"ps24178 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallrisikos der RBI ergaben, betrugen minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps24174\">6</span><span class=\"f charStyle-9eccfdcb ps24175\"> Millionen (Vorjahr: minus \u20ac </span><span class=\"f charStyle-9eccfdcb ps24176\">11</span><span class=\"f charStyle-9eccfdcb ps24177\"> Millionen). Der Unterschiedsbetrag zwischen </span></div><div class=\"ps24179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem aktuellen beizulegenden Zeitwert dieser designierten Verbindlichkeiten und dem vertraglich vereinbarten Zahlungsbetrag </span></div><div class=\"ps24180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr den Zeitpunkt der Endf\u00e4lligkeit betrug \u20ac\u00a0103 Millionen (Vorjahr: \u20ac 189 Millionen). Im Berichtszeitraum gab es keine </span></div><div class=\"ps24181 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Transfers innerhalb des Eigenkapitals oder Ausbuchungen von zum beizulegenden Zeitwert bewerteten </span></div><div class=\"ps24182 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten.</span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nicht beherrschende Anteile<span id=\"if35221c4e91d421fa78cb0091512ddac\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle enth\u00e4lt Finanzinformationen zu den Tochterunternehmen des Konzerns, an denen wesentliche nicht </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beherrschende Anteile bestehen. Die angegebenen Betr\u00e4ge beziehen sich auf nicht beherrschende Anteile, die nicht eliminiert </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden. Die Position Sonstige enth\u00e4lt im Wesentlichen indirekte nicht beherrschende Anteile an Leasingunternehmen in </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tschechien und der Slowakei.</span></div><div class=\"ps3929 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:84.75pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss305\"><div><div class=\"ps3034 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1355\"><div><div class=\"ps3034 ss1187\"><span class=\"f charStyle-1dbd4d87 ps12537\">Beteiligungs- und<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss1187\"><span class=\"f charStyle-1dbd4d87 ps24184\">Stimmrechtsquote nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss1187\"><span class=\"f charStyle-1dbd4d87 ps24185\">beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24189 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps10783\">Netto-<span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps24187\">verm\u00f6gen nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps24188\">beherrschender <span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps21380\">Anteile</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1440 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps7275\">Auf nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps1909\">beherrschende</span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps1843\">Anteile entfallender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps24190\">Gewinn oder Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5661 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps8332\">Sonstiges<span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps6308\">Ergebnis nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps24188\">beherrschender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps21380\">Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12333 ss1356\"><div><div class=\"ps3034 ss876\"><span class=\"f charStyle-1dbd4d87 ps24191\">Gesamtergebnis nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss876\"><span class=\"f charStyle-1dbd4d87 ps24192\">beherrschender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss876\"><span class=\"f charStyle-1dbd4d87 ps18520\">Anteile<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank JSC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24193\"></span><span class=\"ps24193\">31,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24196 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24195\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24198 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24197\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24200 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24199\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24202 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24201\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24203\"></span><span class=\"ps24203\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps814\">581<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24207 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24206\">98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24209 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24208\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24211 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24210\">118<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra banka a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24212\"></span><span class=\"ps24212\">21,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24214 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19280\">350<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24216 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24215\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24217 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24219 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24218\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Pension AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24220\"></span><span class=\"ps24220\">42,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24222 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19920\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24224 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24223\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24225 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24227 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24226\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps24228\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24231 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24230\">116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24232 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24208\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24234 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24233\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24236 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24235\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24237 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps1123\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24238 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20718\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24240 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24239\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24242 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps24241\">248<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24266 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:84.75pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss305\"><div><div class=\"ps3034 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1355\"><div><div class=\"ps3034 ss1187\"><span class=\"f charStyle-1dbd4d87 ps12537\">Beteiligungs- und<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss1187\"><span class=\"f charStyle-1dbd4d87 ps24184\">Stimmrechtsquote nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss1187\"><span class=\"f charStyle-1dbd4d87 ps24185\">beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24189 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps10783\">Netto-<span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps24187\">verm\u00f6gen nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps24188\">beherrschender <span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps21380\">Anteile</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1440 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps7275\">Auf nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps1909\">beherrschende</span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps1843\">Anteile entfallender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps24190\">Gewinn oder Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5661 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps8332\">Sonstiges<span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps6308\">Ergebnis nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps24188\">beherrschender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps21380\">Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12333 ss1356\"><div><div class=\"ps3034 ss876\"><span class=\"f charStyle-1dbd4d87 ps24191\">Gesamtergebnis nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss876\"><span class=\"f charStyle-1dbd4d87 ps24192\">beherrschender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss876\"><span class=\"f charStyle-1dbd4d87 ps18520\">Anteile<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank JSC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24193\"></span><span class=\"ps24193\">31,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24196 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps6736\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24198 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24243\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24200 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24244\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24202 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps22378\">35<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24203\"></span><span class=\"ps24203\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24245\">552<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24207 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24246\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24209 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24247\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24211 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24248\">65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra banka a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24212\"></span><span class=\"ps24212\">21,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24214 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20242\">340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24216 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24249\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24217 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24219 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24250\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Priorbank JSC, Minsk (BY)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps24251\">12.3%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24222 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24224 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24151\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24225 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps1079\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24227 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24252\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Pension AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24220\"></span><span class=\"ps24220\">42,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24231 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19922\">85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24232 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24253\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24234 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24236 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24254\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24255 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps24228\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24237 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20561\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24238 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24256\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24240 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24257\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24242 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24258\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5434 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24259 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17367\">1.260<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24261 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24260\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24263 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24262\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24265 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps24264\">192<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle enth\u00e4lt Finanzinformationen der wesentlichen Tochterunternehmen (inkl. beherrschender Anteile), an </span></div><div class=\"ps24268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">denen nicht beherrschende Anteile bestehen.</span></div><div class=\"ps24306 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:166.5pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1358\"><div><div class=\"ps1485 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps2005\">Raiffeisen Bank JSC,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps1501\">Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22007 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps10934\">Raiffeisenbank a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps13435\">Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps24269\">Tatra banka a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps21251\">Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22008 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps13194\">Valida Pension AG,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps24270\">Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24271 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20424\">479<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24273 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24272\">828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24274 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps1102\">715<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24276 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24275\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22015 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20393\">229<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22016 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20558\">393<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22017 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24277\">240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22018 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24278\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22037\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22021 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24279\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22023 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22026 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24280\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22027 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24281\">474<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22028 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24282\">241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22030 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24283\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24284\">3.747<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24053\">15.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20138\">6.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21978\">90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20122\">1.255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22040 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps531\">18.420<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20259\">16.490<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22043 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20393\">262<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22084\">4.195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22046 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps17364\">29.624<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20168\">18.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22048 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21532\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21983\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22051 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20235\">1.997<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24285\">2.938<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22053 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21933\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22056 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps794\">773<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22057 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20559\">2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10363 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps11235\">1.651<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22058 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24286\">218<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus operativer Gesch\u00e4ftst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22062 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24287\">140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22063 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20354\">2.178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22064 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20656\">802<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22065 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24278\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Investitionst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22068 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24288\">-69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22069 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24289\">-1.409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20866\">-786<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22071 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24290\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Finanzierungst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22073 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24291\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22074 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24292\">-358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22075 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20108\">-207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22077 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24293 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19930\">-157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24294 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20620\">-92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10379 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24295 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1603 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozahlungsstr\u00f6me gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24296 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20555\">-88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24297 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21550\">319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24298 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20189\">-192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24300 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24299\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-6d404c82 ps30\">Nicht beherrschenden Anteilen gezahlte Dividenden</span><span class=\"f charStyle-ef1a5293 ps24301\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24302 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24303 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21540\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24304 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20739\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24305 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss1360\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 In Kapitalfl\u00fcssen aus Finanzierungst\u00e4tigkeit enthalten<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:166.5pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1358\"><div><div class=\"ps1485 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps2005\">Raiffeisen Bank JSC,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps1501\">Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22007 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps10934\">Raiffeisenbank a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps13435\">Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps24269\">Tatra banka a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps21251\">Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22008 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps13194\">Valida Pension AG,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps24270\">Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24271 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13404\">477<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24273 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps786\">690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24274 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps786\">660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24276 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20739\">39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22015 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24064\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22016 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps16748\">289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22017 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19287\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22018 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21472\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24275\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22021 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24308\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22023 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22026 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21519\">111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22027 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps808\">259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22028 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24286\">218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22030 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21990\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24309\">3.711<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24310\">13.517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21980\">6.012<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21978\">60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps18480\">1.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22040 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22117\">15.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps18395\">14.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22043 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22013\">275<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24311\">4.318<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22046 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21530\">24.894<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24312\">16.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22048 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21534\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21981\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22051 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21607\">2.351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24313\">2.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22053 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19287\">126<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22056 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20676\">623<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22057 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20018\">2.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10363 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20730\">1.604<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22058 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21544\">200<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus operativer Gesch\u00e4ftst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22062 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20882\">391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22063 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24314\">1.338<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22064 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps5676\">-1.532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22065 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13404\">-44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Investitionst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22068 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20394\">379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22069 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20719\">-1.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23748\">-729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22071 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24315\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Finanzierungst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22073 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24291\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22074 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24316\">-146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22075 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24317\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22077 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24293 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21532\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24294 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24318\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10379 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24295 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1603 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozahlungsstr\u00f6me gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24296 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24319\">780<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24297 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24320\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24298 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23106\">-2.453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24300 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps19181\">-58<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-6d404c82 ps30\">Nicht beherrschenden Anteilen gezahlte Dividenden</span><span class=\"f charStyle-ef1a5293 ps24301\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24302 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24303 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24321\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24304 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20612\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24305 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss1360\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 In Kapitalfl\u00fcssen aus Finanzierungst\u00e4tigkeit enthalten<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24323 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Wesentliche Beschr\u00e4nkungen<span id=\"icd812ba3bb474e94a28b29e5580fef81\"></span></span></div><div class=\"ps24324 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Raiffeisenbank a.s., Prag, besteht zwischen der RBI AG und dem Mitaktion\u00e4r ein Syndikatsvertrag. Dieser </span></div><div class=\"ps24325 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Syndikatsvertrag regelt insbesondere Vorkaufsrechte zwischen den direkten und indirekten Gesellschaftern. Bei einem </span></div><div class=\"ps24326 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrollwechsel \u2013 auch infolge eines \u00dcbernahmeangebots \u2013 endet der Syndikatsvertrag automatisch. </span></div><div class=\"ps24327 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Europ\u00e4ische Bank f\u00fcr Wiederaufbau und Entwicklung (EBRD) hat sich bei der Raiffeisen Bank JSC, Kiew, im Rahmen einer im </span></div><div class=\"ps24328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2015 erfolgten Kapitalerh\u00f6hung beteiligt. Im Zuge dieser Transaktion hat die RBI mit der EBRD eine Vereinbarung </span></div><div class=\"ps24329 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getroffen, wonach sie - sofern EBRD eine entsprechende Anfrage an die RBI richtet \u2013 der EBRD im Austausch f\u00fcr ihre Beteiligung </span></div><div class=\"ps24330 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an der Raiffeisen Bank JSC, Kiew, im Zuge eines sogenannten Share Swaps (bzw. Put-Option) entsprechend den </span></div><div class=\"ps24331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertverh\u00e4ltnissen Aktien der RBI oder eine entsprechende Zahlung in USD oder einer anderen W\u00e4hrung anbieten w\u00fcrde. Die </span></div><div class=\"ps24332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Durchf\u00fchrung einer solchen Transaktion versteht sich jedoch vorbehaltlich regulatorischer Genehmigungen und entsprechender </span></div><div class=\"ps24333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beschl\u00fcsse in der Hauptversammlung und sonstigen Gremien. </span></div><div class=\"ps29610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(60) Kapitalmanagement und Eigenmittel nach CRR/CRD IV bzw. BWG<span id=\"i0f85e32aea5b4a1a8fc61f4a0299afa0\"></span></span></div><div class=\"ps29611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI unterliegt den Eigenmittelerfordernissen gem\u00e4\u00df Artikel 92 CRR sowie dem kombinierten Kapitalpuffererfordernis gem\u00e4\u00df </span></div><div class=\"ps29612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">BWG, das einen Kapitalerhaltungspuffer (\u00a7 22 BWG), einen Systemrisikopuffer (\u00a7 23e BWG), einen Kapitalpuffer f\u00fcr </span></div><div class=\"ps29613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">systemrelevante Institute (\u00a7 23d BWG) und einen antizyklischen Kapitalpuffer (\u00a7 23a BWG) umfasst. Seit dem 1. Juli 2025 ist die <span class=\"f ps24\"> </span></span></div><div class=\"ps29614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI zudem verpflichtet, den neu eingef\u00fchrten sektoralen Systemrisikopuffer f\u00fcr risikogewichtete Aktiva im Bereich der </span></div><div class=\"ps29615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gewerblichen Immobilien in \u00d6sterreich einzuhalten (\u00a7 23d (7) BWG). Eine Verletzung dieser Anforderungen k\u00f6nnte zu </span></div><div class=\"ps29616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen bei Dividendenaussch\u00fcttungen und Kuponzahlungen f\u00fchren.</span></div><div class=\"ps29617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das in \u00d6sterreich daf\u00fcr zust\u00e4ndige Finanzmarktstabilit\u00e4tsgremium (FMSG) hat der \u00f6sterreichischen Finanzmarktaufsicht (FMA) </span></div><div class=\"ps29618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">empfohlen, einen Systemrisikopuffer (SyRP) und einen Kapitalpuffer f\u00fcr systemrelevante Banken (O-SII-Puffer) f\u00fcr die RBI zu </span></div><div class=\"ps29619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verordnen. Seit 1. J\u00e4nner 2025 betr\u00e4gt der SyRP 1 Prozent auf konsolidierter und 0,5 Prozent auf unkonsolidierter Ebene, der O-</span></div><div class=\"ps29620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">SII-Puffer 1,75 Prozent sowohl auf konsolidierter als auch auf unkonsolidierter Ebene. Der Kapitalerhaltungspuffer betr\u00e4gt 2,5 </span></div><div class=\"ps29621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent. Der ab dem 1. Juli 2025 neu eingef\u00fchrte sektorale Systemrisikopuffer f\u00fcr risikogewichtete Aktiva im Bereich der </span></div><div class=\"ps29622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gewerblichen Immobilien in \u00d6sterreich betr\u00e4gt 1 Prozent und ist auf konsolidierter sowie auf Einzelbasis einzuhalten. In der </span></div><div class=\"ps29623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Empfehlung FMSG/6/2025 vom 12. Dezember 2025 empfiehlt das FMSG, dass die FMA diesen Puffersatz schrittweise in zwei </span></div><div class=\"ps29624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Etappen anhebt, n\u00e4mlich auf 2 Prozent mit Wirkung zum 1. Juli 2026 und auf 3,5 Prozent mit Wirkung zum 1. Juli 2027. Der </span></div><div class=\"ps29625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">antizyklische Kapitalpuffer hingegen wurde in \u00d6sterreich auf 0 Prozent festgesetzt, ergibt jedoch auf Basis jener Pufferraten, </span></div><div class=\"ps29626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die in anderen EU-Mitgliedsstaaten f\u00fcr Banken festgelegt werden, und der entsprechenden gewichteten </span></div><div class=\"ps4213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Durchschnittsberechnung des Gesch\u00e4fts der RBI 0,73 Prozent.</span></div><div class=\"ps29627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus schreibt die EZB der RBI mit Wirkung 1. J\u00e4nner 2025 auf Basis des j\u00e4hrlich durchgef\u00fchrten Supervisory Review </span></div><div class=\"ps29628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">and Evaluation Prozesses (SREP) zus\u00e4tzliches Kapital (Pillar 2 Capital Requirement, P2R) in H\u00f6he von 2,79 Prozent vor, um Risiken </span></div><div class=\"ps29629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzudecken, die in S\u00e4ule 1 nicht ausreichend ber\u00fccksichtigt sind. Diese Anforderungen gelten auf konsolidierter Ebene. Zudem </span></div><div class=\"ps29630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet die EZB die Einhaltung der Pillar 2 Guidance (P2G) in H\u00f6he von 1,25 Prozent. Mit Wirkung zum 1. J\u00e4nner 2026 gelten f\u00fcr </span></div><div class=\"ps29631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI ein neu kalibriertes P2R von 2,78 Prozent sowie eine angepasste P2G von 1 Prozent.</span></div><div class=\"ps29632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kapitalanforderungen wurden laufend eingehalten, und zum 31. Dezember 2025 ergab sich f\u00fcr die harte Kernkapitalquote </span></div><div class=\"ps29633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(inkl. kombinierter Kapitalpuffererfordernisse) ein Erfordernis in H\u00f6he von 12,06 Prozent, unter Ber\u00fccksichtigung des P2G eine </span></div><div class=\"ps29634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Quote in H\u00f6he von 13,31 Prozent. Regulatorische Ver\u00e4nderungen werden beobachtet und in der Planung ber\u00fccksichtigt.</span></div><div class=\"ps12319 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Inkrafttreten der Verordnung (EU) 2024/1623 (CRR III) zum 1. J\u00e4nner 2025 f\u00fchrte zu wesentlichen \u00c4nderungen bei der </span></div><div class=\"ps12320 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der risikogewichteten Aktiva und der Kapitalanforderungen, insbesondere durch die Einf\u00fchrung des Output Floor </span></div><div class=\"ps29635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und \u00fcberarbeiteter Standards f\u00fcr das Kredit- und operationelle Risiko. Diese regulatorischen \u00c4nderungen bilden die Grundlage </span></div><div class=\"ps29636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Verschiebungen innerhalb der einzelnen Risikopositionen einschlie\u00dflich der Aufhebung oder Neudefinition einzelner </span></div><div class=\"ps29637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kategorien. Infolgedessen ist eine Vergleichbarkeit mit historischen Zahlen nicht mehr uneingeschr\u00e4nkt m\u00f6glich. </span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eigenmittelrechnung<span id=\"i5403d7a195944d9ba245d6724d103b10\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachfolgend dargestellten konsolidierten Werte wurden nach den Bestimmungen der Capital Requirements Regulation </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(CRR) sowie weiteren gesetzlichen Bestimmungen, wie z. B. den Implementing Technical Standards (ITS) der EBA, ermittelt.</span></div><div class=\"ps22331 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalinstrumente und das mit ihnen verbundene Agio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1139\">5.987<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22207\">5.991<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Einbehaltene Gewinne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">15.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps778\">15.124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kumuliertes sonstiges Ergebnis (und sonstige R\u00fccklagen)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23759\">-4.184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29640\">-5.418<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Minderheitsbeteiligungen (zul\u00e4ssiger Betrag in konsolidiertem CET1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">745<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps25289\">706<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Von unabh\u00e4ngiger Seite gepr\u00fcfte Zwischengewinne, abz\u00fcglich aller vorhersehbaren Abgaben oder Dividenden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20609\">736<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">704<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Hartes Kernkapital (CET1) vor regulatorischen Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps29641\">19.027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps13931\">17.107<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Bewertungsanpassungen (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20717\">-60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abzugsposten f\u00fcr neu gebildete Wertberichtigungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte (verringert um eventuelle Steuerschulden) (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26344\">-679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24310\">-623<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1505\"><div><div class=\"ps5430 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Von der k\u00fcnftigen Rentabilit\u00e4t abh\u00e4ngige latente Steueranspr\u00fcche, ausgenommen derjenigen, die aus tempor\u00e4ren <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Differenzen resultieren (verringert um entsprechende Steuerschulden, wenn die Bedingungen von Artikel 38 Absatz 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">erf\u00fcllt sind) (negativer Betrag)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fccklagen aus Gewinnen oder Verlusten aus zeitwertbilanzierten Gesch\u00e4ften zur Absicherung von Zahlungsstr\u00f6men<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29642 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29643 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">128<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Negative Betr\u00e4ge aus der Berechnung der erwarteten Verlustbetr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29644 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22085\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29645 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durch Ver\u00e4nderungen der eigenen Bonit\u00e4t bedingte Gewinne oder Verluste aus zum beizulegenden Zeitwert <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">bewerteten eigenen Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29646 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29647 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Direkte und indirekte Positionen eines Instituts in eigenen Instrumenten des harten Kernkapitals (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29648 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29649 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11746 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungsbetrag aus folgenden Posten, denen ein Risikogewicht von 1250% zuzuordnen ist, wenn das Institut als <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Alternative jenen Forderungsbetrag vom Betrag der Posten des harten Kernkapitals abzieht</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29650 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29651 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5204 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: Verbriefungspositionen (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29652 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5206 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige regulatorische Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29654 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29655 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-135<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5209 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Regulatorische Anpassungen des harten Kernkapitals (CET1) gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29656 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps26981\">-934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29657 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20611\">-773<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6131 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Hartes Kernkapital (CET1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29658 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20223\">18.093<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29659 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20291\">16.334<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15511 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalinstrumente und das mit ihnen verbundene Agio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29660 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21599\">1.669<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1141\">1.829<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15503 ss1505\"><div><div class=\"ps5430 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zum konsolidierten zus\u00e4tzlichen Kernkapital z\u00e4hlende Instrumente des qualifizierten Kernkapitals (einschlie\u00dflich nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">in Zeile 5 enthaltener Minderheitsbeteiligungen), die von Tochterunternehmen begeben worden sind und von </span></div><div class=\"ps5427 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Drittparteien gehalten werden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29662 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29663 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zus\u00e4tzliches Kernkapital (AT1) vor regulatorischen Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20839\">1.717<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps29664\">1.877<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Regulatorische Anpassungen des zus\u00e4tzlichen Kernkapitals (AT1) insgesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20242\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20684 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20242\">-33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5225 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zus\u00e4tzliches Kernkapital (AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20686 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18505\">1.684<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20687 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17446\">1.844<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3916 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kernkapital (T1 = CET1 + AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29665 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20102\">19.776<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29666 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21592\">18.178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalinstrumente und das mit ihnen verbundene Agio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29667 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20732\">2.167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29668 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20347\">2.276<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss1505\"><div><div class=\"ps5430 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zum konsolidierten Erg\u00e4nzungskapital z\u00e4hlende qualifizierte Eigenmittelinstrumente (einschlie\u00dflich nicht in den Zeilen <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">5 bzw. 34 enthaltener Minderheitsbeteiligungen und AT1-Instrumente), die von Tochterunternehmen begeben worden </span></div><div class=\"ps5427 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">sind und von Drittparteien gehalten werden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29669 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29670 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">53<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3921 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisikoanpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29671 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29672 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">125<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5240 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Erg\u00e4nzungskapital (T2) vor regulatorischen Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29674 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps29673\">2.204<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29675 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20176\">2.454<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8694 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Regulatorische Anpassungen des Erg\u00e4nzungskapitals (T2) insgesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29676 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23742\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29677 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20609\">-60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7871 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Erg\u00e4nzungskapital (T2)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29678 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8158\">2.174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20841\">2.394<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8425 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenmittel gesamt (TC = T1 + T2)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29680 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps24023\">21.951<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps26276\">20.572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5326 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikogewichtete Aktiva gesamt (RWA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29682 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8754\">100.924<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23915\">95.600<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-517": {
   "value": "<div class=\"ps23936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(29) Eigenkapital und nicht beherrschende Anteile<span id=\"i6554deeb55424d0aadb22de360482a0a\"></span></span></div><div class=\"ps23937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet IAS 32 an, um zu entscheiden, ob eine Klassifizierung als finanzielle Verbindlichkeit oder als Eigenkapital </span></div><div class=\"ps23938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzunehmen ist. Ausgegebene Finanzinstrumente werden als Verbindlichkeiten klassifiziert, wenn die vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps23939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarung dazu f\u00fchrt, dass die RBI verpflichtet ist, entweder fl\u00fcssige Mittel oder andere finanzielle Verm\u00f6genswerte oder </span></div><div class=\"ps23940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine variable Anzahl von Eigenkapitalanteilen an den Inhaber des Instruments zu liefern. Ist dies nicht der Fall, wird das </span></div><div class=\"ps23941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instrument als Eigenkapitalinstrument eingestuft, und die Erl\u00f6se abz\u00fcglich der Transaktionskosten werden im Eigenkapital </span></div><div class=\"ps23942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps23948 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Konzern-Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19948\">19.452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23943\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20241\">1.001<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Kapitalr\u00fccklagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23944\">4.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21500\">4.990<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Gewinnr\u00fccklagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23945\">17.127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20913\">16.213<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps6020\">davon Konzernergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18475\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18388\">1.157<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Kumuliertes sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21805\">-3.661<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20102\">-4.905<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kapital nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21452\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18474\">1.260<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliches Kernkapital (AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23946\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20729\">1.781<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20166\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23947\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Entwicklung des Eigenkapitals wird auf das Kapitel Eigenkapitalver\u00e4nderungsrechnung verwiesen.</span></div><div class=\"ps23949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auflistung aller erstkonsolidierten Unternehmen ist im Kapitel Konsolidierungskreis ersichtlich.</span></div><div class=\"ps23954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern-Return-on-Equity belief sich im Gesch\u00e4ftsjahr auf </span><span class=\"f charStyle-9eccfdcb ps23950\">6,9</span><span class=\"f charStyle-9eccfdcb ps23951\"> Prozent (Vorjahr: <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps23952\">9,4</span><span class=\"f charStyle-9eccfdcb ps23953\"> Prozent). Dieser sank im Wesentlichen </span></div><div class=\"ps23955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des, wegen des negativen Effekts der beiden Rasperia Verfahren, niedrigeren Konzernergebnisses und der um 10 </span></div><div class=\"ps23956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent erh\u00f6hten durchschnittlichen Eigenkapitalbasis. Die gem\u00e4\u00df \u00a7 64 Abs 1 Z 19 BWG berechnete Gesamtkapitalrentabilit\u00e4t </span></div><div class=\"ps23957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrug 0,65 Prozent (Vorjahr: 0,58 Prozent).</span></div><div class=\"ps23958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Gezeichnetes Kapital<span id=\"icad63a4b39f243368b6ad8f9af14efe7\"></span></span></div><div class=\"ps23965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Das Grundkapit</span></span><span class=\"f charStyle-9eccfdcb ps23959\">al der Gesellschaft betr\u00e4gt zum 31. Dezembe</span><span class=\"f charStyle-26fbf26f ps23960\"><span style=\"background-color:inherit\">r 2025 \u20ac</span></span><span class=\"f charStyle-9eccfdcb ps23961\"> 1.003.265.844,05 und ist in </span><span class=\"f charStyle-9eccfdcb ps23962\">328.939.621</span><span class=\"f charStyle-26fbf26f ps23963\"><span style=\"background-color:inherit\"> auf </span></span><span class=\"f charStyle-9eccfdcb ps23964\">Inhaber </span></div><div class=\"ps23966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lautende stimmberechtigte Stammaktien aufgeteilt. Davon sind zum Stichtag 31. Dezember </span><span class=\"f charStyle-9eccfdcb ps2346\">2025</span><span class=\"f charStyle-9eccfdcb ps2347\"> </span><span class=\"f charStyle-9eccfdcb ps2348\">698.767</span><span class=\"f charStyle-9eccfdcb ps2349\"> St\u00fcck (Vorjahr: </span></div><span class=\"f charStyle-9eccfdcb ps17\">525.274</span><span class=\"f charStyle-9eccfdcb ps23967\"> St\u00fcck) eigene Aktien, sodass sich zum Bilanzstichtag </span><span class=\"f charStyle-9eccfdcb ps23968\">328.240.854</span><span class=\"f charStyle-9eccfdcb ps23969\"> Aktien im Umlauf befanden.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-516": {
   "value": "<div class=\"ps23936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(29) Eigenkapital und nicht beherrschende Anteile<span id=\"i6554deeb55424d0aadb22de360482a0a\"></span></span></div><div class=\"ps23937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet IAS 32 an, um zu entscheiden, ob eine Klassifizierung als finanzielle Verbindlichkeit oder als Eigenkapital </span></div><div class=\"ps23938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzunehmen ist. Ausgegebene Finanzinstrumente werden als Verbindlichkeiten klassifiziert, wenn die vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps23939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarung dazu f\u00fchrt, dass die RBI verpflichtet ist, entweder fl\u00fcssige Mittel oder andere finanzielle Verm\u00f6genswerte oder </span></div><div class=\"ps23940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine variable Anzahl von Eigenkapitalanteilen an den Inhaber des Instruments zu liefern. Ist dies nicht der Fall, wird das </span></div><div class=\"ps23941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instrument als Eigenkapitalinstrument eingestuft, und die Erl\u00f6se abz\u00fcglich der Transaktionskosten werden im Eigenkapital </span></div><div class=\"ps23942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst.</span></div><div class=\"ps23948 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Konzern-Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19948\">19.452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23943\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20241\">1.001<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22115\">1.002<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Kapitalr\u00fccklagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23944\">4.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21500\">4.990<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Gewinnr\u00fccklagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23945\">17.127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20913\">16.213<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps6020\">davon Konzernergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18475\">1.371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18388\">1.157<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Kumuliertes sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21805\">-3.661<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20102\">-4.905<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kapital nicht beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21452\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18474\">1.260<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliches Kernkapital (AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23946\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20729\">1.781<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20166\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23947\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-518": {
   "value": "<div class=\"ps23972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eigene Aktien<span id=\"i32cc1d323335491b87634218569216dc\"></span></span></div><div class=\"ps23973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die zum Bilanzstichtag im Bestand befindlichen eigenen Aktien der RBI AG werden direkt vom Eigenkapital abgesetzt. Aus </span></div><div class=\"ps23974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien resultierende Gewinne oder Verluste werden ergebnisneutral verrechnet.</span></div><div class=\"ps23975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Hauptversammlung vom 4. April 2024 erm\u00e4chtigte den Vorstand nach den Bestimmungen des \u00a7 65 Abs 1 Z 8 sowie Abs 1a </span></div><div class=\"ps23976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Abs 1b AktG zum Erwerb und, ohne dass die Hauptversammlung vorher nochmals befasst werden muss, gegebenenfalls zur </span></div><div class=\"ps23977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einziehung eigener Aktien, wobei mit Zustimmung des Aufsichtsrats der Erwerb auch au\u00dferb\u00f6rslich unter Ausschluss des </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">quotenm\u00e4\u00dfigen Andienungsrechts der Aktion\u00e4r:innen erfolgen kann. Der Anteil der zu erwerbenden und bereits erworbenen </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien darf insgesamt 10 Prozent des jeweiligen Grundkapitals der Gesellschaft nicht \u00fcbersteigen. Die Dauer der </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erm\u00e4chtigung zum Erwerb eigener Aktien ist mit 30 Monaten ab dem Datum der Beschlussfassung in der Hauptversammlung, </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sohin bis zum 4. Oktober 2026, begrenzt. Der geringste beim R\u00fcckerwerb zu leistende Gegenwert betr\u00e4gt \u20ac 3,05 pro Aktie, der </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00f6chste beim R\u00fcckerwerb zu leistende Gegenwert darf nicht mehr als 10 Prozent \u00fcber dem durchschnittlichen, ungewichteten </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">B\u00f6rseschlusskurs der der Aus\u00fcbung dieser Erm\u00e4chtigung vorangegangenen 10 Handelstage liegen. Diese Erm\u00e4chtigung kann </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ganz oder teilweise oder auch in mehreren Teilbetr\u00e4gen und in Verfolgung eines oder mehrerer Zwecke \u2013 mit Ausnahme des </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapierhandels \u2013 durch die Gesellschaft, durch ein Tochterunternehmen (\u00a7 189a Z 7 UGB) oder f\u00fcr deren Rechnung durch </span></div><div class=\"ps3802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dritte ausge\u00fcbt werden.</span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand wurde weiters gem\u00e4\u00df \u00a7 65 Abs 1b AktG erm\u00e4chtigt, mit Zustimmung des Aufsichtsrats f\u00fcr die Ver\u00e4u\u00dferung der </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien eine andere Art der Ver\u00e4u\u00dferung als \u00fcber die B\u00f6rse oder durch ein \u00f6ffentliches Angebot unter teilweisem oder </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">g\u00e4nzlichem Ausschluss des Bezugsrechts der Aktion\u00e4r:innen zu beschlie\u00dfen und die Ver\u00e4u\u00dferungsbedingungen festzusetzen. </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Bezugsrecht der Aktion\u00e4r:innen darf nur dann ausgeschlossen werden, wenn die Verwendung der eigenen Aktien als </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenleistung f\u00fcr eine Sacheinlage, beim Erwerb von Unternehmen, Betrieben, Teilbetrieben oder Anteilen an einer oder </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehreren Gesellschaften im In- oder Ausland erfolgt. Weiters kann f\u00fcr den Fall, dass k\u00fcnftig Wandelschuldverschreibungen </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgegeben werden, das Bezugsrecht der Aktion\u00e4r:innen auch ausgeschlossen werden, um (eigene) Aktien an solche Gl\u00e4ubiger </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Wandelschuldverschreibungen auszugeben, die von dem ihnen gem\u00e4\u00df den Bedingungen der Wandelschuldverschreibungen </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrten Umtausch- oder Bezugsrecht auf Aktien der Gesellschaft Gebrauch gemacht haben, sowie im Falle einer in den </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausgabebedingungen von Wandelschuldverschreibungen festgelegten Wandlungspflicht, um diese Wandlungspflicht zu </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllen. Diese Erm\u00e4chtigung kann ganz oder teilweise oder auch in mehreren Teilbetr\u00e4gen und in Verfolgung eines oder </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrerer Zwecke durch die Gesellschaft, durch ein Tochterunternehmen (\u00a7 189a Z 7 UGB) oder f\u00fcr deren Rechnung durch Dritte </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausge\u00fcbt werden und gilt f\u00fcr die Dauer von f\u00fcnf Jahren ab dem Datum der Beschlussfassung, sohin bis zum 4. April 2029. </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seither wurden aufgrund dieser Erm\u00e4chtigung vom April 2024 keine eigenen Aktien erworben.</span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Hauptversammlung vom 4. April 2024 erm\u00e4chtigte den Vorstand ferner nach den Bestimmungen des \u00a7 65 Abs 1 Z 7 AktG, </span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Zweck des Wertpapierhandels, der auch au\u00dferb\u00f6rslich durchgef\u00fchrt werden darf, f\u00fcr die Dauer von 30 Monaten ab dem </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datum der Beschlussfassung, sohin bis zum 4. Oktober 2026, eigene Aktien zu erwerben, wobei der Handelsbestand der zu </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Zweck erworbenen Aktien am Ende jeden Tages 5 Prozent des jeweiligen Grundkapitals der Gesellschaft nicht </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbersteigen darf. Der Gegenwert f\u00fcr die zu erwerbenden Aktien darf die H\u00e4lfte des Schlusskurses an der Wiener B\u00f6rse am </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">letzten Handelstag vor dem Erwerb nicht unter- und das Doppelte des Schlusskurses an der Wiener B\u00f6rse am letzten </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelstag vor dem Erwerb nicht \u00fcberschreiten. Diese Erm\u00e4chtigung kann ganz oder teilweise oder auch in mehreren </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teilbetr\u00e4gen durch die Gesellschaft, durch ein Tochterunternehmen (\u00a7 189a Z 7 UGB) oder f\u00fcr deren Rechnung durch Dritte </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausge\u00fcbt werden.</span></div><div class=\"ps23986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seither wurden aufgrund dieser Erm\u00e4chtigung vom April 2024 keine eigenen Aktien zum Zweck des Wertpapierhandels </span></div><div class=\"ps23987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erworben.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Anzahl der im Umlauf befindlichen Aktien<span class=\"f ps24\"> </span><span id=\"i285f428d22f644b6a402daa2a1891960\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der ausgegebenen Aktien 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10120\">328.939.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10120\">328.939.621<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgabe neuer Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der ausgegebenen Aktien 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10120\">328.939.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps10120\">328.939.621<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigene Aktien im Bestand 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17452\">525.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps10664\">573.938<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erwerb eigener Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps9390\">173.493<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abgang eigener Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps10642\">-48.664<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Abz\u00fcglich: eigene Aktien im Bestand 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a0;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23997\">698.767<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17961\">525.274<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl der im Umlauf befindlichen Aktien 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps353\">328.240.854<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9810\">328.414.347<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-519": {
   "value": "<div class=\"ps23972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eigene Aktien<span id=\"i32cc1d323335491b87634218569216dc\"></span></span></div><div class=\"ps23973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die zum Bilanzstichtag im Bestand befindlichen eigenen Aktien der RBI AG werden direkt vom Eigenkapital abgesetzt. Aus </span></div><div class=\"ps23974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien resultierende Gewinne oder Verluste werden ergebnisneutral verrechnet.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-520": {
   "value": "1.1",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "f-521": {
   "value": "1.6",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "f-522": {
   "value": "525000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-523": {
   "value": "<div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nicht beherrschende Anteile<span id=\"if35221c4e91d421fa78cb0091512ddac\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle enth\u00e4lt Finanzinformationen zu den Tochterunternehmen des Konzerns, an denen wesentliche nicht </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beherrschende Anteile bestehen. Die angegebenen Betr\u00e4ge beziehen sich auf nicht beherrschende Anteile, die nicht eliminiert </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden. Die Position Sonstige enth\u00e4lt im Wesentlichen indirekte nicht beherrschende Anteile an Leasingunternehmen in </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tschechien und der Slowakei.</span></div><div class=\"ps3929 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:84.75pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss305\"><div><div class=\"ps3034 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1355\"><div><div class=\"ps3034 ss1187\"><span class=\"f charStyle-1dbd4d87 ps12537\">Beteiligungs- und<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss1187\"><span class=\"f charStyle-1dbd4d87 ps24184\">Stimmrechtsquote nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss1187\"><span class=\"f charStyle-1dbd4d87 ps24185\">beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24189 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps10783\">Netto-<span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps24187\">verm\u00f6gen nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps24188\">beherrschender <span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps21380\">Anteile</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1440 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps7275\">Auf nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps1909\">beherrschende</span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps1843\">Anteile entfallender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps24190\">Gewinn oder Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5661 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps8332\">Sonstiges<span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps6308\">Ergebnis nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps24188\">beherrschender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps21380\">Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12333 ss1356\"><div><div class=\"ps3034 ss876\"><span class=\"f charStyle-1dbd4d87 ps24191\">Gesamtergebnis nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss876\"><span class=\"f charStyle-1dbd4d87 ps24192\">beherrschender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss876\"><span class=\"f charStyle-1dbd4d87 ps18520\">Anteile<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank JSC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24193\"></span><span class=\"ps24193\">31,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24196 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24195\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24198 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24197\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24200 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24199\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24202 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24201\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24203\"></span><span class=\"ps24203\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps814\">581<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24207 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24206\">98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24209 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24208\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24211 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24210\">118<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra banka a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24212\"></span><span class=\"ps24212\">21,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24214 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19280\">350<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24216 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24215\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24217 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24219 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24218\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Pension AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24220\"></span><span class=\"ps24220\">42,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24222 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19920\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24224 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24223\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24225 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24227 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24226\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps24228\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24231 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24230\">116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24232 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24208\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24234 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24233\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24236 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24235\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24237 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps1123\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24238 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20718\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24240 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24239\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24242 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps24241\">248<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24266 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:84.75pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss305\"><div><div class=\"ps3034 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1355\"><div><div class=\"ps3034 ss1187\"><span class=\"f charStyle-1dbd4d87 ps12537\">Beteiligungs- und<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss1187\"><span class=\"f charStyle-1dbd4d87 ps24184\">Stimmrechtsquote nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss1187\"><span class=\"f charStyle-1dbd4d87 ps24185\">beherrschender Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24189 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps10783\">Netto-<span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps24187\">verm\u00f6gen nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps24188\">beherrschender <span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps21380\">Anteile</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1440 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps7275\">Auf nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps1909\">beherrschende</span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps1843\">Anteile entfallender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps24190\">Gewinn oder Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5661 ss571\"><div><div class=\"ps3033 ss34\"><span class=\"f charStyle-1dbd4d87 ps8332\">Sonstiges<span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss34\"><span class=\"f charStyle-1dbd4d87 ps6308\">Ergebnis nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss34\"><span class=\"f charStyle-1dbd4d87 ps24188\">beherrschender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss34\"><span class=\"f charStyle-1dbd4d87 ps21380\">Anteile<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12333 ss1356\"><div><div class=\"ps3034 ss876\"><span class=\"f charStyle-1dbd4d87 ps24191\">Gesamtergebnis nicht<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss876\"><span class=\"f charStyle-1dbd4d87 ps24192\">beherrschender<span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss876\"><span class=\"f charStyle-1dbd4d87 ps18520\">Anteile<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank JSC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24193\"></span><span class=\"ps24193\">31,8 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24196 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps6736\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24198 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24243\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24200 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24244\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24202 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps22378\">35<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24203\"></span><span class=\"ps24203\">25,0 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24205 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24245\">552<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24207 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24246\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24209 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24247\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24211 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24248\">65<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra banka a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24212\"></span><span class=\"ps24212\">21,2 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24214 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20242\">340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24216 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24249\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24217 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24219 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24250\">46<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Priorbank JSC, Minsk (BY)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps24251\">12.3%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24222 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24224 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24151\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24225 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps1079\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24227 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24252\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Pension AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24220\"></span><span class=\"ps24220\">42,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24231 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19922\">85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24232 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24253\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24234 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24236 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24254\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24255 ss1188\"><div><div class=\"ps31 ss1187\"><span class=\"f charStyle-375ad3a6 ps24228\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24237 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20561\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24238 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24256\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24240 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24257\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24242 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-375ad3a6 ps24258\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5434 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24259 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17367\">1.260<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24261 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24260\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24263 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24262\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24265 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps24264\">192<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle enth\u00e4lt Finanzinformationen der wesentlichen Tochterunternehmen (inkl. beherrschender Anteile), an </span></div><div class=\"ps24268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">denen nicht beherrschende Anteile bestehen.</span></div><div class=\"ps24306 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:166.5pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1358\"><div><div class=\"ps1485 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps2005\">Raiffeisen Bank JSC,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps1501\">Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22007 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps10934\">Raiffeisenbank a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps13435\">Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps24269\">Tatra banka a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps21251\">Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22008 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps13194\">Valida Pension AG,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps24270\">Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24271 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20424\">479<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24273 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24272\">828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24274 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps1102\">715<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24276 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24275\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22015 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20393\">229<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22016 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20558\">393<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22017 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24277\">240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22018 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24278\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22037\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22021 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24279\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22023 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22026 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24280\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22027 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24281\">474<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22028 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24282\">241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22030 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24283\">19<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24284\">3.747<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24053\">15.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20138\">6.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21978\">90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20122\">1.255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22040 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps531\">18.420<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20259\">16.490<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22043 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20393\">262<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22084\">4.195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22046 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps17364\">29.624<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20168\">18.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22048 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21532\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21983\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22051 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20235\">1.997<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24285\">2.938<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22053 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21933\">121<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22056 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps794\">773<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22057 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20559\">2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10363 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps11235\">1.651<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22058 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24286\">218<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus operativer Gesch\u00e4ftst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22062 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24287\">140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22063 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20354\">2.178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22064 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20656\">802<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22065 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24278\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Investitionst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22068 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24288\">-69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22069 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24289\">-1.409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20866\">-786<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22071 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24290\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Finanzierungst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22073 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24291\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22074 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24292\">-358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22075 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20108\">-207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22077 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24293 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19930\">-157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24294 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20620\">-92<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10379 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24295 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1603 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozahlungsstr\u00f6me gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24296 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20555\">-88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24297 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21550\">319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24298 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20189\">-192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24300 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24299\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-6d404c82 ps30\">Nicht beherrschenden Anteilen gezahlte Dividenden</span><span class=\"f charStyle-ef1a5293 ps24301\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24302 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24303 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21540\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24304 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20739\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24305 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss1360\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 In Kapitalfl\u00fcssen aus Finanzierungst\u00e4tigkeit enthalten<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:166.5pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1358\"><div><div class=\"ps1485 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps2005\">Raiffeisen Bank JSC,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps1501\">Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22007 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps10934\">Raiffeisenbank a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps13435\">Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps24269\">Tatra banka a.s.,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps21251\">Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22008 ss1225\"><div><div class=\"ps1485 ss587\"><span class=\"f charStyle-1dbd4d87 ps13194\">Valida Pension AG,<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss587\"><span class=\"f charStyle-1dbd4d87 ps24270\">Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24271 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13404\">477<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24273 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps786\">690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24274 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps786\">660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24276 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20739\">39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Ergebnis nach Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22015 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24064\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22016 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps16748\">289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22017 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19287\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22018 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21472\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Ergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24275\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22021 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24308\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21456\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22023 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22026 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21519\">111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22027 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps808\">259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22028 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24286\">218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22030 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21990\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24309\">3.711<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24310\">13.517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21980\">6.012<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21978\">60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps18480\">1.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22040 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22117\">15.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps18395\">14.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22043 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22013\">275<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24311\">4.318<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22046 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21530\">24.894<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24312\">16.061<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22048 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21534\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21981\">44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22051 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21607\">2.351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24313\">2.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22053 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps19287\">126<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22056 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20676\">623<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22057 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20018\">2.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10363 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps20730\">1.604<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22058 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps21544\">200<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus operativer Gesch\u00e4ftst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22062 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20882\">391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22063 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24314\">1.338<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22064 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps5676\">-1.532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22065 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps13404\">-44<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Investitionst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22068 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20394\">379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22069 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20719\">-1.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps23748\">-729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22071 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24315\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalfl\u00fcsse aus Finanzierungst\u00e4tigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22073 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24291\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22074 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24316\">-146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22075 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24317\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22077 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-375ad3a6 ps30\">Effekte aus Wechselkurs\u00e4nderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24293 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21532\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24294 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24318\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10379 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps22061\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24295 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1603 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettozahlungsstr\u00f6me gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24296 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24319\">780<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24297 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps24320\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24298 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps23106\">-2.453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24300 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-1dbd4d87 ps19181\">-58<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1617 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-6d404c82 ps30\">Nicht beherrschenden Anteilen gezahlte Dividenden</span><span class=\"f charStyle-ef1a5293 ps24301\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24302 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24303 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps24321\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24304 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps20612\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24305 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps21448\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss1360\"><div><div class=\"ps877 ss700\"><span class=\"f charStyle-2babd150 ps30\">1 In Kapitalfl\u00fcssen aus Finanzierungst\u00e4tigkeit enthalten<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-526": {
   "value": "<div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(30) Kreditzusagen, Finanzgarantien und sonstige Zusagen<span id=\"i48904840966d4b48b4329c41dc0365f5\"></span></span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzgarantien<span id=\"i0ae490231c5941c9ad39c5078b8b32fe\"></span></span></div><div class=\"ps19821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gem\u00e4\u00df IFRS 9 handelt es sich bei einer Finanzgarantie um einen Vertrag, der Garantiegeber:innen zur Leistung bestimmter </span></div><div class=\"ps19822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen verpflichtet, wenn diese Zahlung den Garantienehmer:innen f\u00fcr einen Verlust entsch\u00e4digt, der ihm durch die nicht </span></div><div class=\"ps19823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fristgem\u00e4\u00dfe Erf\u00fcllung von Zahlungsverpflichtungen eines Schuldners gem\u00e4\u00df den geltenden Bedingungen eines Schuld-</span></div><div class=\"ps19824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">instruments entsteht. Die Bewertung einer Finanzgarantie, die erstmals zum Erfassungszeitpunkt vorgenommen wird, ist bei </span></div><div class=\"ps19825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragsabschluss unter marktgerechten Bedingungen ident mit der Pr\u00e4mie. Im Gegensatz zu der Darstellung der Wertminde-</span></div><div class=\"ps19826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rungen von finanziellen Verm\u00f6genswerten werden erwartete Kreditausf\u00e4lle als R\u00fcckstellung auf der Passivseite ausgewiesen.</span></div><div class=\"ps24334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eventualverbindlichkeiten und andere au\u00dferbilanzielle Verpflichtungen<span id=\"i8027c444efdc4b7c84bde55a714b7368\"></span></span></div><div class=\"ps24335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hierbei handelt es sich im Wesentlichen um Eventualverbindlichkeiten aus nicht ausgen\u00fctzten Kreditzusagen. Als Kreditzusagen </span></div><div class=\"ps24336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind Verpflichtungen auszuweisen, aus denen ein Kreditrisiko entstehen kann. Dazu geh\u00f6ren Verpflichtungen, Darlehen zu </span></div><div class=\"ps24337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hren, Wertpapiere zu kaufen oder Garantien und Akzepte bereitzustellen. Die Risikovorsorge f\u00fcr Kreditzusagen wird als </span></div><div class=\"ps24338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellung f\u00fcr Risiken aus dem Kreditgesch\u00e4ft gezeigt. H\u00e4ufig werden Kreditzusagen nur teilweise in Anspruch genommen </span></div><div class=\"ps24339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und bestehen somit aus einer ausgen\u00fctzten und aus einer nicht ausgen\u00fctzten Zusage. Wenn die getrennte Identifikation der </span></div><div class=\"ps13878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Kreditausf\u00e4lle, die auf eine in Anspruch genommene und auf eine nicht in Anspruch genommene Zusage entfallen, </span></div><div class=\"ps13879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht m\u00f6glich ist, werden diese gem\u00e4\u00df IFRS 7 zusammen mit den Wertminderungen f\u00fcr den finanziellen Verm\u00f6genswert </span></div><div class=\"ps24340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Wenn die zusammengenommenen erwarteten Kreditausf\u00e4lle den Bruttobuchwert des finanziellen Verm\u00f6genswerts </span></div><div class=\"ps24341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbersteigen, werden diese als R\u00fcckstellung ausgewiesen. Wesentliche Eventualverbindlichkeiten aus Rechtsstreitigkeiten </span></div><div class=\"ps24344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter Punkt </span><span class=\"f charStyle-9eccfdcb ps24342\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps24343\"> dargestellt.</span></div><div class=\"ps24347 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Kreditzusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20223\">42.664<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24345\">37.635<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20224\">10.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17386\">9.243<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18460\">5.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24346\">5.567<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20448\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18468\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20730\">-219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20715\">-182<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zu den dargestellten R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9 wurden R\u00fcckstellungen f\u00fcr sonstige </span></div><div class=\"ps24349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erteilte Zusagen gem\u00e4\u00df IAS 37 unter einer Million gebildet (Vorjahr: \u20ac 1 Million). </span></div><div class=\"ps22484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nominalwert und R\u00fcckstellungen f\u00fcr die au\u00dferbilanziellen Verbindlichkeiten aus Zusagen und Finanzgarantien nach IFRS 9 nach </span></div><div class=\"ps22485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien und Stages \u2013 in \u00dcbereinstimmung mit \u00a7 51 Abs 13 BWG:</span></div><div class=\"ps24399 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1224\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps19457\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1362\"><div><div class=\"ps3168 ss1361\"><span class=\"f charStyle-1dbd4d87 ps3832\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1361\"><span class=\"f charStyle-1dbd4d87 ps11329\">Risiken gem\u00e4\u00df IFRS 9</span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10336 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps10501\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24351 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3821 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24354 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13075 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24042 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24355 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24356 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24357 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24358 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24359 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24360 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3893 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24047 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24361 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24362 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24363 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24364 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13255\">535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10115\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24365 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16888 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24366 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24367 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6742\"></span><span class=\"ps6742\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24368 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11035\"></span><span class=\"ps11035\">95,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9711\">2.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10775\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24111 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24369 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24370 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24371 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13342\">7.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10762\">531<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24372 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10357\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9440\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24115 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10359\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24374 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24375 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9714\"></span><span class=\"ps9714\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24376 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6738\">34.466<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21202\">4.888<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24377 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps12707\">128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1583\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24379 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10980\">-86<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps17893\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24380 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24381 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5973\"></span><span class=\"ps5973\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24382 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17301\"></span><span class=\"ps17301\">28,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps7898\">6.959<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24383 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps11398\">887<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24384 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps196\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps18706\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24386 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21235\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24387 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps20479\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24388 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24389 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9306\"></span><span class=\"ps9306\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24390 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1997\"></span><span class=\"ps1997\">69,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21491 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps1212\">51.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24391 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps3072\">6.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24392 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9587\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24393 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps5983\">-72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24394 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9070\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24395 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps7180\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24396 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21214\"></span><span class=\"ps21214\">0,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24397 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps6331\"></span><span class=\"ps6331\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24398 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1850\"></span><span class=\"ps1850\">33,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24404 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1224\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps19457\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1362\"><div><div class=\"ps3168 ss1361\"><span class=\"f charStyle-1dbd4d87 ps3832\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1361\"><span class=\"f charStyle-1dbd4d87 ps11329\">Risiken gem\u00e4\u00df IFRS 9</span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10336 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps10501\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24351 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3821 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24354 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13075 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24042 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24355 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24356 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24357 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24358 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24359 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24360 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3893 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24047 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24361 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24362 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24363 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24364 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21409\">475<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21581\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24365 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6981\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16888 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps477\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24366 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24367 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7040\"></span><span class=\"ps7040\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24368 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7005\"></span><span class=\"ps7005\">5,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10297\">2.112<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24400\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24111 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24369 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24370 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24371 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps8409\">6.366<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13123\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24372 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13409\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24401\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24115 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24401\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24374 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24375 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7182\"></span><span class=\"ps7182\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24376 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13524\">32.640<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10666\">3.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24377 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps3817\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1583\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24379 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6818\">-46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps303\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24380 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24381 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12492\"></span><span class=\"ps12492\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24382 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9273\"></span><span class=\"ps9273\">24,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9719\">5.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24383 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24402\">813<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24384 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1450\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21188\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24386 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24403\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24387 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps16866\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24388 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24389 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7182\"></span><span class=\"ps7182\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24390 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10647\"></span><span class=\"ps10647\">71,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21491 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps3069\">47.099<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24391 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9253\">5.130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24392 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps17991\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24393 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps303\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24394 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps13206\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24395 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps13206\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24396 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21214\"></span><span class=\"ps21214\">0,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24397 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13257\"></span><span class=\"ps13257\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24398 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps24187\"></span><span class=\"ps24187\">26,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entwicklung der R\u00fcckstellungen auf erteilte Kreditzusagen, Finanzgarantien und <span id=\"iaf6ab94bc3ba487f8b587fc05cb235dd\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">sonstige Zusagen:</span></div><div class=\"ps5281 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20670\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9449\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps20654\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24421\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24423\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps9585\">100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps20709\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps22066\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24427\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17890\">-60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23258\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24430\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24432\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps1079\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24450\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24452\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9399\">219<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24461 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24455\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24456\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps13371\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18524\">204<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24320\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24423\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps9349\">96<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps21497\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24457\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-375ad3a6 ps24458\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps9396\">-59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24317\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24459\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24421\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19611\">-62<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24253\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24460\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20333\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24257\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24460\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21324\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20670\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9449\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24462 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nominalwerte der au\u00dferbilanziellen Verpflichtungen nach Rating-Kategorien und <span id=\"id81acc2a8c404585ab07548cb6edbb88\"></span></span></div><div class=\"ps24463 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stages:</span></div><div class=\"ps24474 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps3168 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18450\">837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24464\">218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17670\">1.055<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20081\">17.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24125\">1.167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12636\">18.792<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps17418\">25.035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20206\">2.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19422\">27.384<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22115\">7.083<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps22339\">9.315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18394\">397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20557\">325<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10482\">722<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24465\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19985\">683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1079\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18039\">889<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20030\">51.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18476\">6.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24466\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps118\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24467\">-72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24468\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17793\">-219<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert nach R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24470 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24469\">51.589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24471 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps22024\">6.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24472 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24473 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1716\">58.088<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24484 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps3168 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18427\">862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24475\">244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps3144\">1.106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19963\">17.492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20557\">873<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19579\">18.365<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18501\">21.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20349\">1.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps13037\">23.410<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24476\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20610\">1.659<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24477\">6.572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24478\">109<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24479\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">375<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17885\">214<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps21445\">2.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19541\">2.402<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20223\">47.099<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24480\">5.130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24481\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps12734\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19277\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24482\">-182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert nach R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24470 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17468\">47.030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24471 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20142\">5.074<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24472 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24483\">159<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24473 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps289\">52.263<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kategorie nicht geratet beinhaltet au\u00dferbilanzielle Verpflichtungen f\u00fcr einige Privatkund:innen, f\u00fcr die keine Ratings </span></div><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgbar sind und deren Einstufung daher auf qualitativen Faktoren basiert</span><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(45) Offene Rechtsf\u00e4lle<span id=\"i4d346b82ed764889bbf7474597edeaad_1319\"></span><span id=\"i23d09f5a71524f22999efa874cffb125\"></span></span></div><div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist an diversen Gerichts-, Beh\u00f6rden- oder Schiedsverfahren vor verschiedenen Gerichten und Beh\u00f6rden beteiligt, die sich </span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Regel aus der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit in vertraglichen, arbeitsrechtlichen und anderen Angelegenheiten </span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ergeben.</span></div><div class=\"ps27593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine R\u00fcckstellung wird nur dann gebildet, wenn eine gegenw\u00e4rtige rechtliche oder faktische Verpflichtung aufgrund eines </span></div><div class=\"ps27594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vergangenen Ereignisses entstanden ist, die Zahlung wahrscheinlich ist und der Betrag zuverl\u00e4ssig gesch\u00e4tzt werden kann. Eine </span></div><div class=\"ps27595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eventualverbindlichkeit, die aufgrund eines vergangenen Ereignisses entstanden ist, wird offengelegt, es sei denn die </span></div><div class=\"ps27596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen sind h\u00f6chst unwahrscheinlich. Eine Eventualforderung aufgrund eines vergangenen Ereignisses wird ausgewiesen, </span></div><div class=\"ps13872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn eine hohe Eintrittswahrscheinlichkeit gegeben ist. In der nachfolgenden Beschreibung wird in jenen F\u00e4llen kein Betrag <span class=\"f ps24\"> </span></span></div><div class=\"ps13873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">genannt, in denen in \u00dcbereinstimmung mit IAS 37, dies schwerwiegend nachteilig w\u00e4re. Die Berechnung der R\u00fcckstellung findet </span></div><div class=\"ps13874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in bestimmten F\u00e4llen auf einer Portfoliobasis statt, weil die Sch\u00e4tzung der Verpflichtung damit eine h\u00f6here Verl\u00e4sslichkeit </span></div><div class=\"ps13875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufweist. Die RBI hat ihre R\u00fcckstellungen, Eventualforderungen und -verbindlichkeiten in die Gruppen Konsumentenschutz, </span></div><div class=\"ps27597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bankgesch\u00e4fte, Durchsetzung durch Regulierungsbeh\u00f6rden und Steuerf\u00e4lle eingeteilt.</span></div><div class=\"ps27598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Rasperia<span id=\"i7b17e444151849beaf5acc2b6821a9a4\"></span></span></div><div class=\"ps20748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im August 2024 reichte das russische Unternehmen Rasperia Trading Limited (Rasperia) eine Klage gegen die \u00f6sterreichische </span></div><div class=\"ps20749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft STRABAG SE (STRABAG) und mehrere Gro\u00dfaktion\u00e4re der STRABAG (STRABAG-Aktion\u00e4re) sowie gegen die russische </span></div><div class=\"ps20750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaft der RBI, AO Raiffeisenbank, beim russischen Gericht der Region Kaliningrad ein. Rasperia, die 28.500.000 </span></div><div class=\"ps20751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Stammaktien und eine Namensaktie h\u00e4lt, behauptet, dass ihr Aktion\u00e4rsrechte entzogen worden seien. Insbesondere </span></div><div class=\"ps20752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">d\u00fcrfe sie nicht an Hauptversammlungen teilnehmen oder Mitglieder des Aufsichtsrats der STRABAG ernennen, ihr seien f\u00fcr die </span></div><div class=\"ps20753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vergangenen Jahre keine Dividenden gezahlt worden, und der Anteil von Rasperia an STRABAG wurde 2023 ohne ihre </span></div><div class=\"ps20754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zustimmung und ohne Abfindung verw\u00e4ssert worden. Nach Angaben von Rasperia sind durch den Verlust s\u00e4mtlicher </span></div><div class=\"ps20755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktion\u00e4rsrechte Verluste in H\u00f6he von rund \u20ac 1,983 Milliarden entstanden, die sich aus dem Marktwert von Rasperias Anteil an </span></div><div class=\"ps27599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG sowie aus nicht gezahlten Dividenden und aus Zinsen auf beide Betr\u00e4ge zusammensetzen.</span></div><div class=\"ps20760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die AO Raiffeisenbank wird in der Klage als mit den anderen Beklagten in Verbindung stehend erw\u00e4hnt, ihr wird jedoch kein </span></div><div class=\"ps20761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenes Fehlverhalten vorgeworfen. Die RBI AG ist an diesem Verfahren nicht beteiligt.</span></div><div class=\"ps27600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia hat die Anspr\u00fcche gegen STRABAG und die STRABAG-Aktion\u00e4re von den Anspr\u00fcchen gegen die AO Raiffeisenbank </span></div><div class=\"ps27601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getrennt:</span></div><div class=\"ps27602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(i) Der Anspruch gegen STRABAG und die STRABAG-Aktion\u00e4re lautet auf Schadenersatz in H\u00f6he von circa \u20ac 1,983 Milliarden </span></div><div class=\"ps27603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuz\u00fcglich Zinsen bis zur Urteilsvollstreckung (geforderter Betrag).</span></div><div class=\"ps27604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(ii) Die Klage gegen die AO Raiffeisenbank soll die Vollstreckung des unter Punkt (i) genannten Urteils in Russland sicherstellen </span></div><div class=\"ps27605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und umfasst daher die Zwangsvollstreckung in die Barmittel der AO Raiffeisenbank (insbesondere hinsichtlich ihrer nicht </span></div><div class=\"ps27606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesch\u00fctteten Gewinne) zur Abgeltung des Rasperia zuerkannten Betrags und im Gegenzug die Anerkennung des Eigentums </span></div><div class=\"ps27607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der AO Raiffeisenbank an den von Rasperia gehaltenen 28.500.000 STRABAG-Stammaktien und einer Namensaktie ab dem Tag </span></div><div class=\"ps27608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Vollstreckung des Urteils gegen die AO Raiffeisenbank.</span></div><div class=\"ps27609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der vorbereitenden Tagsatzung am 16. Oktober 2024 wurde der geforderte Betrag von circa \u20ac 1,983 Milliarden auf circa </span></div><div class=\"ps27610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a02,043 Milliarden erh\u00f6ht. </span></div><div class=\"ps27611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 20. J\u00e4nner 2025 hat das russische Gericht in Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass die STRABAG und die </span></div><div class=\"ps27612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Aktion\u00e4re \u20ac 2,044 Milliarden an Rasperia zahlen m\u00fcssen und das Urteil gegen Verm\u00f6genswerte der AO Raiffeisenbank </span></div><div class=\"ps27613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollstreckt werden kann.</span></div><div class=\"ps952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In seinem Urteil ist das russische Gericht auch dem Antrag von Rasperia gefolgt, wonach die Eigentumsrechte an den von </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia gehaltenen Aktien der STRABAG an die AO Raiffeisenbank \u00fcbertragen werden sollen. Russische Urteile haben jedoch in </span></div><div class=\"ps27614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich keine bindende Wirkung, weshalb die \u00dcbertragung der Aktien nicht durchsetzbar ist. Dar\u00fcber hinaus sind die </span></div><div class=\"ps27615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Aktien der Rasperia aufgrund von EU-Sanktionen eingefroren, was ihre \u00dcbertragung derzeit ebenfalls verhindert.</span></div><div class=\"ps27616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 21. Februar legte die AO Raiffeisenbank gegen dieses Urteil Berufung mit aufschiebender Wirkung ein. Am 24. April 2025 </span></div><div class=\"ps27617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">best\u00e4tigte das russische Berufungsgericht in St. Petersburg das erstinstanzliche Urteil des russischen Gerichts der Region </span></div><div class=\"ps27618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaliningrad. Aufgrund der Entscheidung des St. Petersburger Berufungsgerichts muss die AO Raiffeisenbank den vom russischen </span></div><div class=\"ps27619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht der Region Kaliningrad zugesprochenen Schadenersatz von \u20ac 2,044 Milliarden zahlen. Am 25. April 2025 hat die AO </span></div><div class=\"ps27620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank gegen das Urteil des Berufungsgerichts ein weiteres Rechtsmittel bei der n\u00e4chsten russischen Instanz, dem </span></div><div class=\"ps27621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kassationsgericht in St. Petersburg, eingebracht. Dem Rechtsmittel an das Kassationsgericht war auch ein Antrag auf Aufschub </span></div><div class=\"ps27622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Vollstreckung des zweitinstanzlichen Urteils angeschlossen, der allerdings bereits vom Kassationsgericht abgewiesen </span></div><div class=\"ps27623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde. In der Gerichtsverhandlung am 4. August 2025 wies das Kassationsgericht in St. Petersburg die Kassationsbeschwerde </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der AO Raiffeisenbank gegen das Urteil ab. AO Raiffeisenbank hat von der Einlegung eines au\u00dferordentlichen Rechtsmittels </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim Obersten Gerichtshof der Russischen F\u00f6deration abgesehen, um weitere finanzielle Risiken zu minimieren. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 30. April 2025 beantragte Rasperia bei der russischen Zentralbank (CBR) die Vollstreckung des Urteils durch Belastung eines </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzkontos der AO Raiffeisenbank bei der CBR mit dem RUB-\u00c4quivalent von \u20ac 1,870 Milliarden (dies entspricht dem </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia vom russischen Gericht der Region Kaliningrad zugesprochenen Schadenersatz ohne Zinsen von circa \u20ac 174 Millionen). </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Entsprechung dieses Antrags wurde noch am 30. April ein Betrag von RUB 174,221 Milliarden von einem CBR-</span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzkonto der AO Raiffeisenbank von der CBR zugunsten von Rasperia abgezogen bzw. gepf\u00e4ndet. Die Rasperia vom </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Gericht der Region Kaliningrad zugesprochenen Zinsen waren zu diesem Zeitpunkt nicht Gegenstand von Rasperias </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungsantrag an die CBR, sondern Gegenstand eines zweiten Vollstreckungsantrags vom 26. Mai 2025. Infolgedessen </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde am 27. Mai 2025 ein Betrag von circa RUB 21,599 Milliarden (entsprechend circa \u20ac 239 Millionen einschlie\u00dflich inzwischen </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgelaufener Zinsen) von einem CBR-Korrespondenzkonto der AO Raiffeisenbank durch die CBR zugunsten von Rasperia </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgezogen bzw. gepf\u00e4ndet. Dabei hat Rasperia jedoch die Zinsen f\u00fcr den letzten Tag des Zinslaufs nicht vollstreckt. Letztlich </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde durch Rasperia am 15. Juli 2025 mit ihrem dritten Vollstreckungsantrag ein Betrag von circa RUB 36,7 Millionen (dies </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entspricht circa \u20ac 400.000), der dem noch ausstehenden Zinsenbetrag entspricht, von einem CBR-Korrespondenzkonto der AO </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank durch die CBR zugunsten von Rasperia abgezogen bzw. gepf\u00e4ndet.</span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der RBI-Konzern ist auch weiterhin davon \u00fcberzeugt, dass die gerichtliche Geltendmachung der Schadenersatzforderung gegen </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia in \u00d6sterreich und deren Vollstreckung in die \u00f6sterreichischen Verm\u00f6genswerte von Rasperia auf einer starken </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtlichen Grundlage stehen. Die gerichtliche Geltendmachung des Schadenersatzanspruches gegen Rasperia kann dabei in </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">voller \u00dcbereinstimmung mit dem EU-Sanktionsrecht erfolgen, um Sch\u00e4den zu mindern, indem sie die Vollstreckung gegen die </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte von Rasperia in \u00d6sterreich anstrebt. Die rechtlichen Grundlagen f\u00fcr eine solche Klage sind unter anderem in <span class=\"f ps24\"> </span></span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den EU-Sanktionen (Artikel 11a der Verordnung (EU) Nr. 269/2014 und Artikel 11b der Verordnung (EU) Nr. 833/2014) verankert, die </span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">speziell auf F\u00e4lle wie eine solche Klage gegen Rasperia abzielen. Dementsprechend wird ein positives Ergebnis einer solchen </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klage unver\u00e4ndert als sehr wahrscheinlich angesehen. </span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 12. August 2025 wurde der AO Raiffeisenbank eine weitere Klage von Rasperia gegen STRABAG und die STRABAG-Aktion\u00e4re </span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie die AO Raiffeisenbank zugestellt, die beim Schiedsgericht der Region Kaliningrad eingereicht worden war. Rasperia </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verlangt von STRABAG und den STRABAG-Aktion\u00e4ren den Rubel-Gegenwert von circa \u20ac 339 Millionen, der unter anderem </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadenersatz f\u00fcr den Nichterhalt der finanziellen Entsch\u00e4digung im Zusammenhang mit der im Jahr 2024 durchgef\u00fchrten </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Herabsetzung des genehmigten Kapitals von STRABAG sowie f\u00fcr nicht ausgezahlte Dividenden von STRABAG f\u00fcr 2024 und </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen auf diese Betr\u00e4ge umfasst, die bis zum Tag der vollst\u00e4ndigen Zahlung weiter anfallen werden. Rasperia hat AO </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank auch in diese Klage aufgenommen, um die vollst\u00e4ndige Vollstreckung des Urteils in die Verm\u00f6genswerte der AO </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank in Russland sicherzustellen. Die RBI AG ist an diesem Verfahren nicht beteiligt. Das Schiedsgericht der Region </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaliningrad hat die Hauptverhandlung f\u00fcr den 20. November 2025 anberaumt. Am 18. Dezember 2025 hat das Schiedsgericht </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Region Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass STRABAG und die STRABAG-Aktion\u00e4re verpflichtet sind, an </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia \u20ac 339 Millionen zu zahlen, und dass das Urteil in die Verm\u00f6genswerte von AO Raiffeisenbank vollstreckt werden kann. </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AO Raiffeisenbank hat gegen dieses Urteil Berufung mit aufschiebender Wirkung eingelegt. AO Raiffeisenbank hat im Dezember </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebucht.</span></div><div class=\"ps2440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Antrag auf Erlassung einer Unterlassungsverf\u00fcgung (Anti-Suit-Injunction)</span></div><div class=\"ps27624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 9. Juni 2025 hat Rasperia einen Antrag auf Erlass einer Unterlassungsverf\u00fcgung (Anti-Suit Injunction; ASI) beim russischen </span></div><div class=\"ps27625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht der Region Kaliningrad eingereicht, der sich gegen die STRABAG-Aktion\u00e4re und die AO Raiffeisenbank richtet. Laut dem </span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ASI-Antrag beantragt Rasperia (A) die Fortsetzung des in Amsterdam eingeleiteten Schiedsverfahrens der STRABAG- Aktion\u00e4re </span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen Rasperia (Amsterdam Arbitration) und (B) die Einreichung von Schadenersatzklagen vor ausl\u00e4ndischen Gerichten, die sich </span></div><div class=\"ps2446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf das Kaliningrader Verfahren beziehen, das zum russischen Urteil vom 20. J\u00e4nner 2025 f\u00fchrte, zu untersagen. Rasperia </span></div><div class=\"ps2447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beantragt die gerichtliche Strafe in H\u00f6he des RUB-\u00c4quivalents von \u20ac 1,09 Milliarden gegen die AO Raiffeisenbank zu </span></div><div class=\"ps2448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollstrecken, f\u00fcr den Fall, dass einer ASI in Bezug auf das Amsterdam Arbitration nicht entsprochen wird (siehe Punkt (A) oben) </span></div><div class=\"ps2449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und in diesem Zusammenhang behauptet, dass die AO Raiffeisenbank von einem der STRABAG-Aktion\u00e4re kontrolliert wird. Am </span></div><div class=\"ps2450 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2. Juli 2025 erg\u00e4nzte Rasperia ihren ASI-Antrag, um die RBI als Beklagte aufzunehmen, und strebt an, der RBI zu untersagen, </span></div><div class=\"ps2451 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausl\u00e4ndische Verfahren wegen Schadenersatzforderungen im Zusammenhang mit den Kaliningrader Verfahren einzuleiten </span></div><div class=\"ps2452 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(siehe Punkt (B) oben). Im Juli und September 2025 haben alle STRABAG-Aktion\u00e4re das Amsterdamer Schiedsverfahren </span></div><div class=\"ps2453 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingestellt und ihre Anspr\u00fcche unwiderruflich zur\u00fcckgezogen. Im Gegenzug und zur Vorbereitung auf die m\u00fcndliche </span></div><div class=\"ps2454 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhandlung am 13. Oktober 2025 zog Rasperia ihren ASI-Antrag im Zusammenhang mit dem Amsterdamer Schiedsverfahren </span></div><div class=\"ps2455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und der gerichtlichen Strafe von \u20ac 1,09 Milliarden Euro zur\u00fcck (siehe Punkt (A) oben). Das Schiedsgericht der Region Kaliningrad </span></div><div class=\"ps2456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat den n\u00e4chsten Verhandlungstermin \u00fcber Rasperias verbleibenden (i.e. zweiten) ASI-Antrag (siehe Punkt (B) oben) am 25. </span></div><div class=\"ps27627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Februar 2026 anberaumt.</span></div><div class=\"ps2458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Bewertung rechtlicher Risiken</span></div><div class=\"ps27628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein positives Urteil im \u00f6sterreichischen Zivilverfahren w\u00fcrde wiederum die Vollstreckung gegen Rasperias STRABAG-Aktien </span></div><div class=\"ps27629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie gegen alle damit verbundenen Dividenden oder Zahlungen im Zusammenhang mit Kapitalma\u00dfnahmen erm\u00f6glichen, die </span></div><div class=\"ps27630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund von Sanktionen zur\u00fcckgehalten wurden. Die Erfolgsaussichten in den Verwaltungsverfahren zur Aufhebung der </span></div><div class=\"ps27631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionierung von Rasperias Verm\u00f6genswerten sowie in der gerichtlichen Vollstreckung gegen Rasperias STRABAG Aktien, </span></div><div class=\"ps27632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich zur\u00fcckgehaltener Zahlungen im Zusammenhang mit Kapitalma\u00dfnahmen, werden als sehr wahrscheinlich </span></div><div class=\"ps27633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angesehen.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Obwohl Rechtsstreitigkeiten immer Risiken bergen, wurden in der externen rechtlichen Beurteilung keine wesentlichen </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hindernisse festgestellt, warum die RBI nicht erfolgreich sein sollte. Verbleibende Unsicherheiten im Zusammenhang mit einer in </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich gegen Rasperia eingeleiteten Klage k\u00f6nnten Folgendes umfassen:</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ungetestetes EU-Sanktionsrecht: Der relevante EU-Sanktionsrahmen ist praktisch ungetestet.</span></div><div class=\"ps12402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Verj\u00e4hrung von Dividenden: Es gibt keine Rechtsprechung zu den rechtlichen Konsequenzen der in den Statuten von </span></div><div class=\"ps12403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">STRABAG festgelegten Verj\u00e4hrungsfrist f\u00fcr Dividenden.</span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Aufhebung der Sperre von Rasperias Verm\u00f6genswerten: Im Kontext des EU-Sanktionsrechts bleibt ein geringes Ma\u00df </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">an rechtlicher Unsicherheit bestehen, weil eine Beh\u00f6rde argumentieren k\u00f6nnte, dass sie keine positive Entscheidung </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">treffen sollte, selbst wenn die Anforderungen erf\u00fcllt sind. Dieses Risiko wird jedoch als sehr gering eingesch\u00e4tzt.</span></div><div class=\"ps18985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter dem Gesichtspunkt der US-Sanktionen ist zu beachten, dass die Vereinigten Staaten zwei Hauptkategorien von </span></div><div class=\"ps27634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen haben: \u201ePrim\u00e4re Sanktionen\u201c und \u201eSekund\u00e4re Sanktionen\u201d. Prim\u00e4re Sanktionen betreffen Aktivit\u00e4ten mit US-Bezug, </span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich US-Personen oder Verbindungen zu US-Territorium, und k\u00f6nnen OFAC-Lizenzen f\u00fcr ansonsten verbotene </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionen erfordern. Sekund\u00e4re Sanktionen richten sich gegen Nicht-US-amerikanische Personen und Unternehmen, die </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte Aktivit\u00e4ten mit sanktionierten Parteien durchf\u00fchren. Sie zielen darauf ab, ein solches Verhalten zu unterbinden, ohne </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass ein US-Bezug erforderlich ist, und k\u00f6nnen zu verschiedenen Sanktionen f\u00fchren. Da kein US-Bezug besteht, w\u00fcrde es keine </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prim\u00e4ren Sanktionen f\u00fcr das Urteil in Russland oder die potenzielle Klage gegen Rasperia in \u00d6sterreich geben. Sekund\u00e4re </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen sind hingegen zu ber\u00fccksichtigen, da Rasperia den US-Sanktionen unterliegt. Wie bisher informiert die RBI AG das </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">OFAC und das US-Finanzministerium weiterhin transparent \u00fcber wesentliche Entwicklungen sowohl im russischen </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsverfahren als auch im Regressverfahren in \u00d6sterreich. Dementsprechend wird das potentielle US-Sanktionsrisiko f\u00fcr die </span></div><div class=\"ps27635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG und die AO Raiffeisenbank, das sich aus dem russischen Urteil gegen die AO Raiffeisenbank und aus potenziellen </span></div><div class=\"ps27636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regressklagen der RBI AG/AO Raiffeisenbank in \u00d6sterreich, aber auch f\u00fcr etwaige K\u00e4ufer und involvierte Parteien im Rahmen </span></div><div class=\"ps27637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Exekution des Verm\u00f6gens eines sanktionierten Unternehmens, ergibt, als gering eingesch\u00e4tzt.</span></div><div class=\"ps4205 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Informationen zur Rechnungslegungsmethode und wesentliche bilanzielle Ermessensspielr\u00e4ume</span></div><div class=\"ps27638 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund ge\u00e4nderter Umst\u00e4nde im Zusammenhang mit der Beantragung einer Unterlassungsverf\u00fcgung durch die Rasperia hat </span></div><div class=\"ps27639 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich die Einsch\u00e4tzung des Managements hinsichtlich des erwarteten Mittelzuflusses aus der Vollstreckung der Anspr\u00fcche </span></div><div class=\"ps27640 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber Rasperia ge\u00e4ndert. Die ge\u00e4nderte Einsch\u00e4tzung zum 30. Juni 2025 ber\u00fccksichtigt die Einbeziehung der RBI in den </span></div><div class=\"ps27641 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Antrag von Rasperia auf die oben genannte Unterlassungsverf\u00fcgung (Anti-Suit-Injunction) und der damit verbundenen Risiken </span></div><div class=\"ps27642 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines Verm\u00f6gensabflusses im RBI-Konzern, die Chancen, diese abzuwenden, und die daraus resultierende Verz\u00f6gerung bei der </span></div><div class=\"ps27643 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einreichung der Klage der RBI gegen Rasperia in \u00d6sterreich. Daher kam das Management zu dem Schluss, dass die Kriterien, um </span></div><div class=\"ps27644 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesen Verm\u00f6genswert zu bilanzieren, nach IFRS nicht mehr gegeben waren. </span></div><div class=\"ps2484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 18. Dezember 2025 hat das Schiedsgericht der Region Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass STRABAG und </span></div><div class=\"ps2485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die STRABAG-Aktion\u00e4re verpflichtet sind, an Rasperia \u20ac 339 Millionen zu zahlen, und dass das Urteil gegen die Verm\u00f6genswerte </span></div><div class=\"ps27645 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von AO Raiffeisenbank vollstreckt werden kann. AO Raiffeisenbank hat gegen dieses Urteil Berufung mit aufschiebender </span></div><div class=\"ps27646 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirkung eingelegt. AO Raiffeisenbank hat im Dezember 2025 eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebucht.</span></div><div class=\"ps27647 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Finanzielle Auswirkungen</span></div><div class=\"ps27648 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 wurde der der Rasperia zugesprochene Schadenersatz in H\u00f6he von \u20ac 2.109 Millionen (inklusive Zinsen) </span></div><div class=\"ps27649 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Korrespondenzkonto der AO Raiffeisenbank durch die russische Zentralbank abgezogen bzw. gepf\u00e4ndet und die daf\u00fcr zum </span></div><div class=\"ps27650 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresende 2024 gebildete R\u00fcckstellung in H\u00f6he von \u20ac 840 Millionen verbraucht. Aufgrund der ge\u00e4nderten Einsch\u00e4tzung des </span></div><div class=\"ps27651 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Managements wurden die erwarteten Erl\u00f6se aus der Vollstreckung von Anspr\u00fcchen in die \u00f6sterreichischen Verm\u00f6genswerte </span></div><div class=\"ps27652 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Rasperia in H\u00f6he von \u20ac 1.204 Millionen im Juni 2025 ausgebucht. Trotz der ge\u00e4nderten Bilanzierung bleibt die rechtliche </span></div><div class=\"ps27653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beurteilung der Schadenersatzforderung der RBI unver\u00e4ndert. Das Management ist weiterhin davon \u00fcberzeugt, dass die </span></div><div class=\"ps27654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadenersatzforderung gegen Rasperia in \u00d6sterreich und deren Vollstreckung in die \u00f6sterreichischen Verm\u00f6genswerte von </span></div><div class=\"ps27655 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia auf einer starken rechtlichen Grundlage stehen.</span></div><div class=\"ps27656 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den von Rasperia, von STRABAG und den STRABAG-Aktion\u00e4ren eingeforderten Schadenersatz f\u00fcr den Nichterhalt der </span></div><div class=\"ps27657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Entsch\u00e4digung im Zusammenhang mit der im Jahr 2024 durchgef\u00fchrten Kapitalherabsetzung sowie f\u00fcr nicht </span></div><div class=\"ps27658 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezahlte Dividenden und die darauf bis zur vollst\u00e4ndigen Zahlung anfallenden Zinsen, wurde eine R\u00fcckstellung in H\u00f6he von </span></div><div class=\"ps27659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 339 Millionen gebildet.</span></div><div class=\"ps27660 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Einstweilige Verf\u00fcgung (Tempor\u00e4res \u00dcbertragungsverbot)</span></div><div class=\"ps3553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zusammenhang mit dem oben genannten Gerichtsverfahren von Rasperia gegen, unter anderem, die AO Raiffeisenbank </span></div><div class=\"ps3554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hatte ein russisches Gericht am 5. September 2024 eine einstweilige Verf\u00fcgung erlassen, mit der Aktien an der AO </span></div><div class=\"ps3555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank mit sofortiger Wirkung einem tempor\u00e4ren \u00dcbertragungsverbot unterlagen. Das \u00dcbertragungsverbot zielte </span></div><div class=\"ps3556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darauf ab den Status quo, bis zur Kl\u00e4rung der Anspr\u00fcche von Rasperia, aufrecht zu erhalten. Aufgrund dieser </span></div><div class=\"ps3557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsentscheidung konnte die RBI ihre Anteile an der AO Raiffeisenbank nicht \u00fcbertragen, was die Bem\u00fchungen der RBI, eine </span></div><div class=\"ps3558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mehrheitsbeteiligung an der AO Raiffeisenbank zu verkaufen, erschwerte. Da der Antrag der AO Raiffeisenbank auf Aufhebung </span></div><div class=\"ps27661 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der einstweiligen Verf\u00fcgung abgelehnt wurde, legte die AO Raiffeisenbank am 27. September 2024 ein Rechtsmittel beim </span></div><div class=\"ps27662 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zust\u00e4ndigen Berufungsschiedsgericht in St. Petersburg ein. Am 5. Dezember 2024 best\u00e4tigte das Berufungsschiedsgericht die </span></div><div class=\"ps27663 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einstweilige Verf\u00fcgung. Die AO Raiffeisenbank legte im J\u00e4nner 2025 Berufung beim Kassationsgericht in St. Petersburg ein, die </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am 24. M\u00e4rz 2025 abgewiesen wurde. Es wurde erwartet, dass die Verf\u00fcgungsbeschr\u00e4nkung \u00fcber die Aktien der AO </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank, die zur Sicherung der Zahlung von Schadenersatz an Rasperia auferlegt worden war, nach Zahlung des </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollst\u00e4ndigen Schadenersatzbetrages inklusive Zinsen, wie vom russischen Gericht der Region Kaliningrad der Rasperia </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugesprochen, aufgehoben wird. In Folge des Abzugs des gesamten Betrags der Schadenersatzforderung einschlie\u00dflich der </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen, die Rasperia durch das russische Urteil vom 20. J\u00e4nner 2025 zugesprochen wurden, hat die AO Raiffeisenbank am 23. Juli </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 einen Antrag beim zust\u00e4ndigen russischen Gericht auf Aufhebung des tempor\u00e4ren \u00dcbertragungsverbots gestellt. In der </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsverhandlung am 4. August 2025 gab das Kassationsgericht in St. Petersburg dem Antrag der AO Raiffeisenbank auf </span></div><span class=\"f charStyle-9eccfdcb ps17\">Aufhebung der einstweiligen Verf\u00fcgung statt und hob das \u00dcbertragungsverbot f\u00fcr die Aktien an der AO Raiffeisenbank auf.</span><div class=\"ps27665 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Konsumentenschutz<span id=\"i49c2511f969148488ddf2d13bb066d9a\"></span></span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist mit Klagen von Kund:innen in Zusammenhang mit Themen des Konsumentenschutzes konfrontiert. Die meisten </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen betreffen Vertragsbedingungen, die vermeintlich den Konsumentenschutz oder andere Gesetze verletzen. Das </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtliche Risiko in Verbindung mit diesen Forderungen wird durch die Gefahr von politisch motivierten Gesetzen, welche den </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grad der Unvorhersehbarkeit steigern, erh\u00f6ht.</span></div><div class=\"ps27666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Kroatien<span id=\"id5d24f691af44f95a343e27d5836700e\"></span></span></div><div class=\"ps17016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Kroatien wurden in einem von einer Konsumentenschutzorganisation gegen die Raiffeisenbank Austria, d.d., Zagreb (RBHR) </span></div><div class=\"ps27667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und andere kroatische Banken angestrengten Verfahren zwei Klauseln f\u00fcr nichtig befunden, die in den Jahren zwischen </span></div><div class=\"ps27668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2003/2004 und 2008 in Kreditvertr\u00e4gen mit Konsumenten verwendet wurden. Dabei handelt es sich um eine Zinsanpassungs- </span></div><div class=\"ps27669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und eine CHF-Index-Klausel. Gegen den Entscheid \u00fcber die Zinsanpassungsklausel kann kein Rechtsmittel mehr eingelegt </span></div><div class=\"ps27670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Das Urteil, wonach die CHF-Index-Klauseln unwirksam sind, wurde vom Obersten Gerichtshof des Landes und vom </span></div><div class=\"ps27671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kroatischen Verfassungsgericht best\u00e4tigt. RBHR pr\u00fcft die M\u00f6glichkeit, diese Entscheidung anzufechten und reichte im August </span></div><div class=\"ps27672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2021 einen Antrag beim Europ\u00e4ischen Gerichtshof f\u00fcr Menschenrechte ein. Die Vergabe von CHF-indexierten Darlehen, die nach </span></div><div class=\"ps27673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem kroatischen Umwandlungsgesetz in Euro-indexierte Darlehen konvertiert wurden, war vor dem Gerichtshof der </span></div><div class=\"ps27674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Europ\u00e4ischen Union (EuGH) zur Vorabentscheidung anh\u00e4ngig. Im Mai 2022 ver\u00f6ffentlichte der EuGH eine Vorabentscheidung, </span></div><div class=\"ps27675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber gab, wie auch der kroatische Oberste Gerichtshof in einem Musterverfahren keine Antwort darauf, ob Konsumenten von </span></div><div class=\"ps27676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bereits konvertierten Darlehen einen Anspruch auf zus\u00e4tzliche Entsch\u00e4digungen haben (neben den positiven Effekten, die sich </span></div><div class=\"ps27677 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus der Konvertierung gem\u00e4\u00df den Bestimmungen des kroatischen Konsumentenschutzgesetzes 2015 ergaben). Daher bleibt die <span class=\"f ps24\"> </span></span></div><div class=\"ps27678 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Frage, ob Konsumenten Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung (ungeachtet der Konvertierung) haben, Sache der </span></div><div class=\"ps27679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">innerstaatlichen Gerichte, in erster Linie des kroatischen Obersten Gerichtshofs. Auf Grundlage der bereits zur Unwirksamkeit </span></div><div class=\"ps27680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Zinsanpassungs- und/oder der CHF-Index-Klausel ergangenen Entscheidungen haben Kreditnehmer jedoch bereits jetzt </span></div><div class=\"ps27681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspr\u00fcche gegen die RBHR geltend gemacht. In seiner Sitzung im Dezember 2022 vertrat der kroatische Oberste Gerichtshof die </span></div><div class=\"ps27682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auffassung, dass sich der Anspruch der Verbraucher auf eine zus\u00e4tzliche Entsch\u00e4digung nur auf einen Betrag in H\u00f6he der </span></div><div class=\"ps27683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verzugszinsen auf die bis zur Konvertierung der CHF-indexierten Darlehen in EUR-indexierte Darlehen im Jahr 2015 allf\u00e4llig </span></div><div class=\"ps27684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleisteten \u00dcberzahlungen beschr\u00e4nkt. Im April 2023 teilte der Pr\u00e4sident des Obersten Gerichtshofs der \u00d6ffentlichkeit jedoch </span></div><div class=\"ps27685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit, dass die vertretene Rechtsansicht die Kontrolle durch den Registrar f\u00fcr die Rechtsprechung des Obersten Gerichtshofs </span></div><div class=\"ps27686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht bestanden habe. Der Registrar f\u00fcr die Rechtsprechung des Obersten Gerichtshofs ist befugt, eine Entscheidung </span></div><div class=\"ps27687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">r\u00fcckg\u00e4ngig zu machen, wenn er der Ansicht ist, dass sie nicht dem Gesetz entspricht. Inzwischen (Juli 2024) hat der EuGH in den </span></div><div class=\"ps27688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Rechtssachen C-554/21, C-622/21 und C-727/21 entschieden, dass eine solche Rechtspraxis (dass ein Richter/</span></div><div class=\"ps27689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Registrar f\u00fcr die Rechtsprechung, der nicht am Entscheidungsprozess beteiligt war, eine endg\u00fcltige Entscheidung eines </span></div><div class=\"ps27690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Richters oder Rates des Obersten Gerichtshofs stoppen kann) gegen EU-Recht verst\u00f6\u00dft. Die Harmonisierung des EuGH-</span></div><div class=\"ps27691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteils mit der Rechtsprechung des Obersten Gerichtshofs steht noch aus. Die Frage, ob Verbraucher aus konvertierten CHF-</span></div><div class=\"ps27692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">indexierten Krediten Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung haben, ist noch nicht gekl\u00e4rt. Eine m\u00f6gliche L\u00f6sung (ob </span></div><div class=\"ps27693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucher Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung haben oder nicht) wird voraussichtlich in den Einzelentscheidungen </span></div><div class=\"ps27694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kroatischen Obersten Gerichtshofs enthalten sein. Nur derartige Einzelentscheidungen k\u00f6nnen vor dem </span></div><div class=\"ps27695 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfassungsgerichtshof angefochten werden. Angesichts der gegenw\u00e4rtigen rechtlichen Unw\u00e4gbarkeiten hinsichtlich der </span></div><div class=\"ps27696 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verj\u00e4hrung, der Wirksamkeit der CHF-Index-Klausel/erfolgten Konvertierung, der Berechnung der zus\u00e4tzlichen Entsch\u00e4digungen, </span></div><div class=\"ps27697 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der weiteren Vorgehensweise, des Ergebnisses des Vorabentscheidungsersuchens und der Anzahl der Kreditnehmer, die diese </span></div><div class=\"ps27698 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspr\u00fcche geltend machen, lassen sich die finanziellen Auswirkungen und der m\u00f6gliche Schaden zum gegenw\u00e4rtigen Zeitpunkt </span></div><div class=\"ps27699 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht endg\u00fcltig beziffern. In diesem Zusammenhang wurde eine R\u00fcckstellung in H\u00f6he von \u20ac 51 Millionen (Vorjahr: \u20ac 58 Millionen) </span></div><div class=\"ps27700 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt.</span></div><div class=\"ps27701 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Polen<span id=\"ib2a55f4d7e264acf9b4d3690dd70ea55\"></span></span></div><div class=\"ps27702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Polen ist eine erhebliche Anzahl zivilrechtlicher Klagen hinsichtlich bestimmter vertraglicher Regelungen im Zusammenhang </span></div><div class=\"ps27703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit Hypothekarkrediten an Konsumenten, die in Fremdw\u00e4hrungen denominiert oder an eine Fremdw\u00e4hrung gekoppelt sind, </span></div><div class=\"ps27704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anh\u00e4ngig. Zum 31. Dezember 2025 lag der Gesamtstreitwert dieser Verfahren bei rund PLN 8.926 Millionen (\u20ac 2.115 Millionen). Die </span></div><div class=\"ps27705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anzahl derartiger Klagen steigt weiter an.</span></div><div class=\"ps19368 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang hat sich ein polnisches Gericht an den Gerichtshof der europ\u00e4ischen Union (EuGH) gewandt, um <span class=\"f ps24\"> </span></span></div><div class=\"ps19369 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kl\u00e4ren zu lassen, ob bestimmte Klauseln dieser Vertr\u00e4ge gegen europ\u00e4isches Recht versto\u00dfen und missbr\u00e4uchlich verwendet </span></div><div class=\"ps19370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden. Die im Oktober 2019 dazu in einem Vorabentscheidungsverfahren ergangene Entscheidung des EuGH (C-260/18) gibt </span></div><div class=\"ps27706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Antwort bez\u00fcglich einer g\u00e4nzlichen oder teilweisen Nichtigkeit der Kreditvertr\u00e4ge, sondern lediglich eine </span></div><div class=\"ps27707 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Orientierungshilfe f\u00fcr die Interpretation, nach welchen Grunds\u00e4tzen nationale Gerichte auf Einzelfallbasis zu entscheiden <span class=\"f ps24\"> </span></span></div><div class=\"ps27708 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben. Demnach soll ein Kreditvertrag ohne missbr\u00e4uchliche Klauseln wirksam bleiben, solange dies mit nationalem Recht im </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einklang steht. Sofern der Kreditvertrag allerdings ohne die missbr\u00e4uchliche Klausel nicht mehr aufrechterhalten werden kann, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde der Vertrag insgesamt unwirksam. Sollte die Unwirksamkeit des gesamten Kreditvertrags mit wesentlichen negativen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsequenzen f\u00fcr den Kreditnehmer verbunden sein, so kann die missbr\u00e4uchliche Klausel von polnischen Gerichten im Einklang </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit nationalem Recht durch eine wirksame Klausel ersetzt werden. Die Konsequenzen einer Unwirksamkeit des Vertrags </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssen sorgf\u00e4ltig untersucht werden, sodass der Kreditnehmer alle potenziell negativen Folgen einer Unwirksamkeit bedenken </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann. </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einem anderen Verfahren, in dem die RBI involviert ist, ersuchte das Bezirksgericht Warszawa-Wola in Warschau den EuGH </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um Vorabentscheidung \u00fcber die Ausgestaltung der vertraglichen Regelungen zur Bestimmung der An- und Verkaufskurse f\u00fcr </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Fremdw\u00e4hrung im Falle von Hypothekardarlehen f\u00fcr Verbraucher, die an eine Fremdw\u00e4hrung indexiert sind. In der </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung vom 18. November 2021 in der Rechtssache C-212/20 vertrat der EuGH die Auffassung, dass der Inhalt einer </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klausel eines Darlehensvertrags, die die Ankaufs- und Verkaufskurse einer Fremdw\u00e4hrung festlegt, an die das Darlehen </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gebunden ist, einem einigerma\u00dfen gut informierten und aufmerksamen Verbraucher auf der Grundlage klarer und </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verst\u00e4ndlicher Kriterien erm\u00f6glichen muss, zu verstehen, wie der Wechselkurs der Fremdw\u00e4hrung festgelegt wird, der zur </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der H\u00f6he der R\u00fcckzahlungsraten verwendet wird. Aufgrund der in einer solchen Bestimmung angegebenen </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Information soll der Verbraucher in der Lage sein, jederzeit den vom Unternehmen angewendeten Wechselkurs selbst zu </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermitteln. In der Begr\u00fcndung f\u00fchrte der EuGH aus, dass eine Bestimmung, die es dem Verbraucher nicht erm\u00f6glicht, den </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wechselkurs selbst zu bestimmen, missbr\u00e4uchlich ist. Dar\u00fcber hinaus wies der EuGH darauf hin, dass das nationale Gericht, </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die betreffende Klausel eines Verbrauchervertrags missbr\u00e4uchlich ist, diese Klausel nicht auslegen darf, um ihre </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Missbr\u00e4uchlichkeit zu beheben, selbst wenn diese Auslegung dem gemeinsamen Willen der Vertragsparteien entspricht. Nur </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die Ung\u00fcltigkeit der missbr\u00e4uchlichen Klausel das nationale Gericht zur Aufhebung des gesamten Vertrags verpflichten </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde, wodurch der Verbraucher besonders nachteiligen Folgen ausgesetzt w\u00e4re und damit bestraft w\u00fcrde, k\u00f6nnte das </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationale Gericht diese Klausel durch eine erg\u00e4nzende Bestimmung des nationalen Rechts ersetzen. Der EuGH hat es daher </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht vollst\u00e4ndig ausgeschlossen, dass nationale Gerichte in solchen F\u00e4llen den Vertrag durch erg\u00e4nzende Vorschriften des </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationalen Rechts erg\u00e4nzen k\u00f6nnen, aber L\u00fccken d\u00fcrfen nicht allein durch nationale Vorschriften allgemeiner Natur gef\u00fcllt </span></div><div class=\"ps27711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, und ein solches Hilfsmittel darf nur in streng eingeschr\u00e4nkten F\u00e4llen, wie vom EuGH angegeben, angewendet werden. </span></div><div class=\"ps27712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der Missbr\u00e4uchlichkeit von Vertragsbestimmungen sowie die Entscheidung \u00fcber die Vertragserg\u00e4nzung nach </span></div><div class=\"ps27713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beseitigung missbr\u00e4uchlicher Vertragsklauseln fallen jedoch weiterhin in die Zust\u00e4ndigkeit des nationalen Gerichts. Der EuGH </span></div><div class=\"ps27714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat in keiner Weise entschieden, ob infolge der vorgenannten Aktionen der gesamte Fremdw\u00e4hrungsvertrag nichtig erkl\u00e4rt </span></div><div class=\"ps27715 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden soll.</span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 15. Juni 2023 gab der EuGH sein Urteil in der Rechtssache C-520/21 zu den Folgen der Nichtigerkl\u00e4rung eines missbr\u00e4uchliche </span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln enthaltenden Hypothekendarlehensvertrags bekannt. Der an den CHF gekoppelte Hypothekendarlehensvertrag war </span></div><div class=\"ps27718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit der Begr\u00fcndung f\u00fcr nichtig erkl\u00e4rt worden, dass die Umrechnungsklauseln zur Bestimmung des Wechselkurses in PLN f\u00fcr </span></div><div class=\"ps27719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwecke der monatlichen Raten missbr\u00e4uchlich seien und dass der Darlehensvertrag nach Aufhebung der missbr\u00e4uchlichen </span></div><div class=\"ps27720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln nicht fortbestehen k\u00f6nne. Der EuGH stellte fest, dass das EU-Recht nicht ausdr\u00fccklich die Folgen der Nichtigerkl\u00e4rung </span></div><div class=\"ps27721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines Verbrauchervertrags regelt. Die Bestimmung dieser Folgen obliegt der nationalen Gesetzgebung in den einzelnen EU- </span></div><div class=\"ps27722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedstaaten. Diese nationalen Rechtsvorschriften m\u00fcssen mit dem EU-Recht und den damit verfolgten Zielen vereinbar sein, </span></div><div class=\"ps27723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere im Hinblick darauf, dass die Lage des Verbrauchers, in der er sich ohne den f\u00fcr nichtig erkl\u00e4rten Vertrag befunden </span></div><div class=\"ps27724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte, wiederhergestellt wird und dass der vom EU-Recht angestrebte Abschreckungseffekt nicht gef\u00e4hrdet wird. Nach den </span></div><div class=\"ps27725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausf\u00fchrungen des EuGH steht EU-Recht dem nicht entgegen, dass die Verbraucher von der Bank einen Ausgleich verlangen </span></div><div class=\"ps27726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">d\u00fcrfen, der \u00fcber die Erstattung der gezahlten monatlichen Raten und der zur Erf\u00fcllung des Hypothekendarlehensvertrags </span></div><div class=\"ps27727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezahlten Kosten sowie die Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem Zeitpunkt der Zahlungsaufforderung </span></div><div class=\"ps27728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinausgeht. Allerdings ist es Sache der nationalen Gerichte zu beurteilen, ob der Grundsatz der Verh\u00e4ltnism\u00e4\u00dfigkeit gewahrt </span></div><div class=\"ps27729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, wenn solchen Forderungen des Verbrauchers stattgegeben wird. Im Gegensatz dazu steht EU-Recht dem entgegen, dass </span></div><div class=\"ps27730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Bank von dem Verbraucher einen Ausgleich verlangen darf, der \u00fcber die Erstattung des zur Erf\u00fcllung des </span></div><div class=\"ps27731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags gezahlten Kapitals sowie der Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem </span></div><div class=\"ps27732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt der Zahlungsaufforderung hinausgeht.</span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Konkretisierungen zu den Folgen der Nichtigerkl\u00e4rung eines mit missbr\u00e4uchlichen Klauseln behafteten Verbraucher-</span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags hat der EuGH in seinen Urteilen in den Rechtssachen C-756/22 vom 11. Dezember 2023 und </span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">C-488/23 vom 12. Januar 2024 und C-424/22 vom 8. Mai 2024 vorgenommen. An keinem dieser Verfahren war die RBI direkt </span></div><div class=\"ps27733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beteiligt. In allen drei F\u00e4llen vertrat der EuGH die Auffassung, dass sich die von den vorlegenden Gerichten geforderte </span></div><div class=\"ps27734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegung des EU-Rechts eindeutig aus den fr\u00fcheren Urteilen, insbesondere aus dem im obigen Absatz ausf\u00fchrlich </span></div><div class=\"ps27735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschriebenen Urteil des EuGH in der Rechtssache C-520/21 vom 15. Juni 2023 ableiten l\u00e4sst. In der Rechtssache C-756/22 stellte </span></div><div class=\"ps27736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der EuGH fest, dass die Bank nicht berechtigt ist, von einem Verbraucher die Zahlung von Betr\u00e4gen zu verlangen, die \u00fcber das in </span></div><div class=\"ps27737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erf\u00fcllung des Darlehensvertrags gezahlte Kapital und die gesetzlichen Verzugszinsen ab dem Zeitpunkt der </span></div><div class=\"ps27738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsaufforderung hinausgehen, wenn ein Darlehensvertrag mit der Begr\u00fcndung nichtig erkl\u00e4rt wird, dass er </span></div><div class=\"ps27739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt, ohne die er nicht weiter fortbestehen kann. In der Rechtssache C-488/23 stellte der EuGH </span></div><div class=\"ps27740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fest, dass EU-Recht dem entgegensteht, dass Banken von einem Verbraucher \u2013 zus\u00e4tzlich zur Erstattung der zur </span></div><div class=\"ps27741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragserf\u00fcllung gezahlten Kapitalbetr\u00e4ge und der gesetzlichen Verzugszinsen ab dem Zeitpunkt der Zahlungsaufforderung \u2013 </span></div><div class=\"ps27742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen Ausgleich verlangen, der in einer gerichtlichen Anpassung der dem gezahlten Kapitalbetrag entsprechenden Leistung im </span></div><div class=\"ps27743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Falle einer wesentlichen \u00c4nderung der Kaufkraft der betreffenden W\u00e4hrung nach der Zahlung dieses Kapitals an den </span></div><div class=\"ps27744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betreffenden Verbraucher besteht. In der Rechtssache C-424/22 vom 8. Mai 2024 stellte der EuGH fest, dass die Bank nicht </span></div><div class=\"ps27745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechtigt ist ein Zur\u00fcckbehaltungsrecht geltend zu machen, wenn ein Kreditvertrag mit der Begr\u00fcndung nichtig wird, dass er </span></div><div class=\"ps27746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt und die Bank daher zu R\u00fcckzahlungen an einen Verbraucher verpflichtet ist. Dies bedeutet, </span></div><div class=\"ps27747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass die Bank eine derartige Zahlung nicht zur\u00fcckhalten darf, bis der Schuldner alle Betr\u00e4ge zur\u00fcckgezahlt hat, die er im </span></div><div class=\"ps27748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kreditvertrags von der Bank erhalten hat. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wie sich die zuvor genannten EuGH-Urteile auf die Entscheidungen polnischer Gerichte in einzelnen zivilrechtlichen Verfahren </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auswirken, kann aufgrund der Komplexit\u00e4t und Unterschiedlichkeit von fallspezifischen Faktoren und m\u00f6glicherweise </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlichen Zusammenh\u00e4ngen und rechtlichen Feinheiten nicht abschlie\u00dfend eingesch\u00e4tzt werden.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 25. April 2024 verabschiedete die gesamte Zivilkammer des polnischen Obersten Gerichts (das OG) einen Beschluss zu </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtlichen Fragen im Zusammenhang mit Darlehen, die an eine Fremdw\u00e4hrung gekoppelt oder in Fremdw\u00e4hrung denominiert </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Im Einklang mit den Urteilen des EuGH entschied das OG, dass, wenn eine Vertragsklausel, die sich auf einen </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Indexierungsmechanismus bezieht, als rechtswidrig und nicht bindend angesehen wird, sie nicht durch eine andere Methode zur </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung des Wechselkurses ersetzt werden kann, die sich aus gesetzlichen Bestimmungen oder etablierten </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gepflogenheiten ergibt und dass der Darlehensvertrag im verbleibenden Umfang nicht bindend ist. Die Entscheidung dar\u00fcber, </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ob eine Vertragsklausel missbr\u00e4uchlich ist, obliegt dem Gericht, das mit dem Fall des konkreten Darlehensvertrags befasst ist. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist ein Darlehensvertrag aufgrund rechtswidriger Klauseln nicht bindend, haben beide Parteien einen gesonderten Anspruch auf </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung zu Unrecht geleisteter Zahlungen: die Bank auf R\u00fcckzahlung des Kapitals und der Kreditnehmer auf </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung von Zahlungen. Das OG fand keine Rechtfertigung f\u00fcr eine gegenseitige Beilegung der Anspr\u00fcche der Parteien </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch das Gericht w\u00e4hrend der Verhandlung des Falles. Die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank auf R\u00fcckzahlung der im </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kredits gezahlten Betr\u00e4ge beginnt grunds\u00e4tzlich mit dem Tag, der auf den Tag folgt, an dem der Kreditnehmer die </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bindende Wirkung des Kreditvertrags gegen\u00fcber der Bank angefochten hat. Der Beginn der Verj\u00e4hrungsfrist h\u00e4ngt somit vom </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhalten des Verbrauchers ab und sollte daher f\u00fcr jeden Vertrag individuell gepr\u00fcft werden. Mit dieser Entscheidung wurde </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine fr\u00fchere Entscheidung des OG ge\u00e4ndert, die vorsah, dass die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank beginnt, nachdem </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Verbraucher \u00fcber die m\u00f6glichen Folgen einer Ung\u00fcltigkeitserkl\u00e4rung des Kreditvertrags informiert wurde und der </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucher einer solchen Ung\u00fcltigkeitserkl\u00e4rung zustimmt. Das OG schloss au\u00dferdem aus, dass eine Partei Zinsen oder eine </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">andere Verg\u00fctung f\u00fcr die Verwendung ihrer Mittel in der Zeit zwischen der ungerechtfertigten Zahlung und der Verz\u00f6gerung bei </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckerstattung der Zahlung verlangen kann. Obwohl der Beschluss gefasst wurde, um die aufkommenden </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegungsfragen im Zusammenhang mit Streitigkeiten \u00fcber Kredite in Schweizer Franken zu kl\u00e4ren, sind die daraus </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">resultierenden Schlussfolgerungen auch auf Kredite in anderen W\u00e4hrungen, einschlie\u00dflich Kredite in Euro, anwendbar.</span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der obige Beschluss des OG in Verbindung mit dem fr\u00fcheren EuGH-Urteil bedeutet, dass in Polen t\u00e4tige Banken die </span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fremdw\u00e4hrungsportfolien halten, darunter auch RBI, keine zus\u00e4tzliche Verg\u00fctung und/oder Valorisierung im Zusammenhang </span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit derartigen nichtig erkl\u00e4rten Vertr\u00e4gen, wie oben dargelegt, fordern k\u00f6nnen. Banken sollen lediglich die M\u00f6glichkeit haben, </span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung des dem Kunden bei Kreditvergabe bereitgestellten Kapitals einzufordern. Dies ber\u00fchrt nicht die M\u00f6glichkeit, </span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Zahlung von Verzugszinsen zu verlangen, sofern die Voraussetzungen hierf\u00fcr erf\u00fcllt sind. Was die Forderung der Banken auf </span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung des Kapitals betrifft, k\u00f6nnten die im Beschluss des OG enthaltenen Leitlinien und die derzeitige Praxis durch das </span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unten angef\u00fchrte Urteil des EuGH vom 19. Juni 2025 beeinflusst werden.</span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 19. Juni 2025 erlie\u00df der EuGH ein weiteres Urteil in der Rechtssache C-396/24. Darin stellte er fest, dass die Richtlinie 93/13/</span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EWG \u00fcber missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen Banken daran hindert, die vollst\u00e4ndige R\u00fcckzahlung des </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezahlten Nominalbetrags eines f\u00fcr nichtig erkl\u00e4rten Kreditvertrags zu verlangen, ohne vorherige R\u00fcckzahlungen des </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchers zu ber\u00fccksichtigen (Aufrechnungstheorie). Dieses Urteil k\u00f6nnte die aktuelle Rechtsprechung polnischer Gerichte </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen, die gem\u00e4\u00df dem Beschluss des Obersten Gerichtshofs Polens vom 25. April 2024 (wie oben ausf\u00fchrlich beschrieben) </span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Theorie der \u201ezwei Forderungen\u201c anwendet. Danach k\u00f6nnen Banken die vollst\u00e4ndige R\u00fcckzahlung der im Rahmen eines f\u00fcr </span></div><div class=\"ps27754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nichtig erkl\u00e4rten Vertrags gezahlten Betr\u00e4ge verlangen, unabh\u00e4ngig von den geleisteten R\u00fcckzahlungen und dem </span></div><div class=\"ps27755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbleibenden geschuldeten Restbetrag. Diese Theorie diente auch als Grundlage f\u00fcr Banken, die ehemalige Kreditnehmer </span></div><div class=\"ps27756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klagen um die Kapitalr\u00fcckzahlung zu sichern. Dar\u00fcber hinaus verbietet das Urteil die sofortige Vollstreckbarkeit von </span></div><div class=\"ps27757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen zugunsten von Banken, sofern kein angemessener Verbraucherschutz besteht. Die m\u00f6glichen Auswirkungen </span></div><div class=\"ps27758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die polnische Rechtsprechung bleiben ungewiss. M\u00f6gliche Resultate reichen von der Annahme einer Aufrechnungstheorie </span></div><div class=\"ps27759 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bis hin zur Beibehaltung bestehender Rechtsrahmen, da die Interpretation dieses EuGH-Urteils durch die Gerichte </span></div><div class=\"ps27760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlich ausfallen kann.</span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 27. November 2025 erlie\u00df der EuGH ein Urteil in der Rechtssache C-746/24, mit dem nationale verfahrensrechtliche Regeln </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgeschlossen werden, die Verbraucher:innen, die sich gegen von Banken eingeleitete Restitutionsanspr\u00fcche auf Kapital <span class=\"f ps24\"> </span></span></div><div class=\"ps27763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verteidigen, unverh\u00e4ltnism\u00e4\u00dfig h\u00f6here Gerichtskosten auferlegen als jene Kosten, die bei von Verbrauchern selbst gef\u00fchrten </span></div><div class=\"ps27764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen auf Aufhebung des Vertrags entstehen. Es wurde festgestellt, dass eine solche Diskrepanz bei den Rechtskosten die </span></div><div class=\"ps27765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abschreckende Wirkung der Richtlinie 93/13/EWG untergr\u00e4bt und Verbraucher davon abhalten kann, ihre Rechte im Rahmen des </span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schutzes gegen missbr\u00e4uchliche Vertragsbedingungen auszu\u00fcben. Das polnische Zivilprozessrecht sieht eine Begrenzung der </span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6chstbetr\u00e4ge von Gerichtsgeb\u00fchren f\u00fcr von Verbrauchern eingeleitete Klagen im Zusammenhang mit Bankgesch\u00e4ften vor. </span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umgekehrt kann eine Bank, die ein Gerichtsverfahren gegen einen Verbraucher einleitet, nicht von einer solchen </span></div><div class=\"ps27766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorzugsbehandlung profitieren und muss die Gerichtskosten nach allgemeinen Regeln tragen, was f\u00fcr das Finanzinstitut zu </span></div><div class=\"ps27767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deutlich h\u00f6heren anf\u00e4nglichen Kosten f\u00fchrt. Ungeachtet des Urteils des EuGH behalten die polnischen Gerichte die Befugnis, </span></div><div class=\"ps27768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifische nationale Verfahrensvorschriften zur Festlegung der endg\u00fcltigen Kostenverteilung heranzuziehen, wobei es den </span></div><div class=\"ps27769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten gestattet ist, von den allgemeinen Grunds\u00e4tzen der Kostenteilung auf der Grundlage des Billigkeitsgrundsatzes oder </span></div><div class=\"ps27770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des konkreten Verhaltens der Parteien abzuweichen. Folglich h\u00e4ngt die endg\u00fcltige Auswirkung des Urteils auf die Prozesskosten </span></div><div class=\"ps27771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI von der Ermessensentscheidung der nationalen Gerichte im Einzelfall ab. Die RBI beobachtet weiterhin die juristischen </span></div><div class=\"ps27772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklungen und kann ihre R\u00fcckstellungen f\u00fcr rechtliche Risiken und ihre Verfahrensstrategien anpassen, um potenzielle </span></div><div class=\"ps27773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">negative finanzielle Auswirkungen aufgrund dieser Rechtsprechung abzumildern.</span></div><div class=\"ps27774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Polnische ordentliche Gerichte haben dem EuGH mehrere weitere Fragen zur Auslegung der Richtlinie 93/13/EWG \u00fcber </span></div><div class=\"ps27775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen im Zusammenhang mit Fremdw\u00e4hrungsdarlehen vorgelegt. Zu den Fragen </span></div><div class=\"ps27776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geh\u00f6ren unter anderem die Rechtm\u00e4\u00dfigkeit der Verpflichtung von Verbrauchern zur Zahlung von Rechtskosten, die </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterbrechung der Verj\u00e4hrungsfristen f\u00fcr Forderungen der Banken, die Behandlung verj\u00e4hrter Anspr\u00fcche, die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnungsrechte von Banken, die Erstattung von Versicherungskosten und die G\u00fcltigkeit von Vertragsanh\u00e4ngen. Ziel dieser </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfragen ist es, die Vereinbarkeit nationaler Gesetze mit den EU-Verbraucherschutzstandards zu kl\u00e4ren. </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die seit 2020 eingegangen Klagen wurden haupts\u00e4chlich durch die Entscheidung des EuGH in der Rechtssache C-260/18 und die </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gestiegenen Marketingaktivit\u00e4ten von Anwaltskanzleien, die f\u00fcr Kreditnehmer t\u00e4tig sind, hervorgerufen. Im Gesch\u00e4ftsjahr 2025 </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verzeichnete die polnische Filiale 4.334 neue Klagen (Vorjahr: 6.150 neue Klagen), in der Berichtsperiode wurden durchschnittlich </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">361 neue Klagen pro Monat (davon 268 Klagen f\u00fcr Schweizer Franken-Kredite und 93 Klagen f\u00fcr Euro-Kredite) eingebracht. Der </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eingang neuer F\u00e4lle k\u00f6nnte aufgrund der steigenden Zahl von Vergleichen zwischen der polnischen Filiale der RBI und </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmern sowie der Tatsache, dass ein erheblicher Teil der Kreditportfolios bereits Gegenstand laufender </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten ist, was den potenziellen Zufluss neuer Anspr\u00fcche naturgem\u00e4\u00df einschr\u00e4nkt, weiter zur\u00fcckgehen.</span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus haben sich polnische Gerichte mit weiteren Vorabentscheidungsersuchen in anderen zivilrechtlichen Verfahren </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an den EuGH gewandt. Diese Entscheidungen k\u00f6nnten zu weiteren Klarstellungen durch den EuGH f\u00fchren und einen Einfluss </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darauf haben, wie gerichtsanh\u00e4ngige Verfahren im Zusammenhang mit Fremdw\u00e4hrungskrediten von nationalen polnischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten entschieden werden.</span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Folgenabsch\u00e4tzung f\u00fcr Kreditvertr\u00e4ge, die an eine Fremdw\u00e4hrung gekoppelt sind oder auf eine Fremdw\u00e4hrung lauten, kann </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch von dem Ergebnis eines laufenden verwaltungsgerichtlichen Verfahrens aufgrund eines Rechtsmittels der polnischen </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Filiale der RBI gegen eine Entscheidung des Pr\u00e4sidenten des Amts f\u00fcr Wettbewerb und Verbraucherschutz (UOKiK) beeinflusst </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. In der angefochtenen Entscheidung wurde behauptet, dass die polnische Niederlassung der RBI an Praktiken beteiligt </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">war, die kollektive Verbraucherinteressen verletzten. Dies f\u00fchrte zu einer Verwaltungsstrafe gegen die polnische Filiale sowie </span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Verpflichtung, den Kreditnehmern Informationen \u00fcber den Versto\u00df zur Verf\u00fcgung zu stellen, falls die </span></div><div class=\"ps2424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsentscheidung rechtskr\u00e4ftig wird. Im Juni 2025 wies das Gericht f\u00fcr Wettbewerbs- und Verbraucherschutz (SOKIK) </span></div><div class=\"ps2425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Beschwerde der RBI gegen die Entscheidung vollst\u00e4ndig ab. Im August 2025 hat die RBI gegen dieses Urteil Berufung beim </span></div><div class=\"ps2426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsgericht in Warschau eingelegt.</span></div><div class=\"ps27777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus leitete der polnische Finanz-Ombudsmann, der im Namen von zwei Kreditnehmern handelte, ein Zivilverfahren </span></div><div class=\"ps27778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI ein, in dem die Anwendung unlauterer Gesch\u00e4ftspraktiken gegen\u00fcber Verbrauchern in einem Fall behauptet wird, </span></div><div class=\"ps27779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in dem die RBI \u2013 nach Aufhebung eines Kreditvertrags \u2013 den vollen urspr\u00fcnglich ausgegebenen Kreditbetrag ohne </span></div><div class=\"ps27780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischenzeitlich geleistete R\u00fcckzahlungen sowie f\u00fcr die Verwendung von Kapital durch die Kreditnehmer f\u00e4llige Betr\u00e4ge, </span></div><div class=\"ps27781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Grundsatzes der ungerechtfertigten Bereicherung eingefordert hatte und verlangt, diese Praxis einzustellen. Im </span></div><div class=\"ps27782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mai 2023 wurde die Klage des Finanz-Ombudsmanns in erster Instanz abgewiesen. Der Finanz-Ombudsmann legte gegen </span></div><div class=\"ps27783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses Urteil Berufung ein, die der RBI zugestellt wurde und die diese ordnungsgem\u00e4\u00df beantwortete. </span></div><div class=\"ps27784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist zudem Kl\u00e4gerin in einer Anzahl laufender Zivilprozesse im Zusammenhang mit bereits beendeten </span></div><div class=\"ps27785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekarkrediten, die in Schweizer Franken oder Euro denominiert oder an diese W\u00e4hrungen gekoppelt waren. Der </span></div><div class=\"ps27786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtstreitwert belief sich zum 31. Dezember 2025 auf rund PLN 298,5 Millionen (\u20ac 71 Millionen). Die Anspr\u00fcche der RBI </span></div><div class=\"ps27787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beziehen sich auf Kapital und Zinsen, die aufgrund rechtlicher Einw\u00e4nde nicht gezahlt wurden. Die Klagen werden auf </span></div><div class=\"ps27788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglicher Grundlage oder auf der Grundlage ungerechtfertigter Bereicherung erhoben.</span></div><div class=\"ps27789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI eine Reihe von Gerichtsverfahren aufgrund von Gegenforderungen auf R\u00fcckzahlung des Kapitals </span></div><div class=\"ps27790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen Kreditnehmer eingeleitet, falls diese die G\u00fcltigkeit des Fremdw\u00e4hrungshypothekarkredits gegen\u00fcber der RBI anfechten. </span></div><div class=\"ps27791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Einreichung der Klagen dient der Sicherung der Anspr\u00fcche der RBI und soll deren Verj\u00e4hrung verhindern. Zum 31. Dezember </span></div><div class=\"ps27792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 belief sich der Gesamtstreitwert dieser Verfahren auf PLN 2.662 Millionen (\u20ac 631 Millionen). Die Entscheidung \u00fcber die </span></div><div class=\"ps27793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einreichung solcher Klagen wird in den kommenden Jahren von der endg\u00fcltigen Auswirkung des oben beschriebenen EuGH-</span></div><div class=\"ps27794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteils in der Rechtssache C-746/24, von der Entwicklung der nationalen Rechtsprechung und m\u00f6glichen Gesetzesinitiativen </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abh\u00e4ngen. </span></div><div class=\"ps27796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Themen der polnischen Gesetzgebung</span></div><div class=\"ps27797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende September 2025 verabschiedete die polnische Regierung einen Gesetzesentwurf zur Einf\u00fchrung besonderer Verfahren f\u00fcr </span></div><div class=\"ps27798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilrechtssachen im Zusammenhang mit Krediten, die in Schweizer Franken (CHF) denominiert oder an diesen gekoppelt sind. </span></div><div class=\"ps27799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfang Oktober 2025 wurde der Entwurf dem Sejm (dem Unterhaus des polnischen Parlaments) vorgelegt, um das </span></div><div class=\"ps27800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesetzgebungsverfahren einzuleiten. Hauptziel des Gesetzesentwurfs ist es, Rechtsstreitigkeiten im Zusammenhang mit CHF-</span></div><div class=\"ps27801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten zu beschleunigen, die Belastung der Gerichte zu verringern und den Verbraucherschutz im Einklang mit der </span></div><div class=\"ps27802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung des Gerichtshofs der Europ\u00e4ischen Union zu st\u00e4rken. In der vorliegenden Fassung w\u00fcrde das Gesetz f\u00fcr </span></div><div class=\"ps27803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilverfahren zwischen Verbrauchern und Banken gelten, die Kredite in CHF oder an diesen gekoppelte Kredite betreffen, </span></div><div class=\"ps27804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich jener Kredite, die per Annex in CHF-denominierte oder an diesen indexierte Vertr\u00e4ge umgewandelt wurden. </span></div><div class=\"ps27805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite in anderen W\u00e4hrungen (insbesondere EUR) oder an diese gekoppelte Kredite w\u00fcrden nicht unter den </span></div><div class=\"ps27806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anwendungsbereich des Gesetzes fallen. Insgesamt st\u00e4rkt das vorgeschlagene Rahmenwerk die Rechtsposition von </span></div><div class=\"ps27807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchern in Rechtsstreitigkeiten gegen Banken erheblich.</span></div><div class=\"ps27808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit der Zustellung der Klage oder Widerklage des Verbrauchers an die Bank werden die Kreditr\u00fcckzahlungen automatisch und </span></div><div class=\"ps27809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kraft Gesetzes ausgesetzt, bis das entsprechende Gerichtsverfahren rechtskr\u00e4ftig abgeschlossen ist. Die Aussetzung der </span></div><div class=\"ps27810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen des Kreditnehmers stellt keinen Verzug oder eine nicht ordnungsgem\u00e4\u00dfe Erf\u00fcllung des </span></div><div class=\"ps27811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvertrags dar und darf nicht an ein Kredit- oder Schuldnerregister gemeldet werden. Zudem sind alle Eintr\u00e4ge in diese </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Register, die vor der Zustellung der Klage oder Widerklage an die Bank erfolgt sind, zu l\u00f6schen. In F\u00e4llen, in denen die Klage oder </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Widerklage des Verbrauchers vor Inkrafttreten des Gesetzes an die Bank zugestellt wurde, tritt die Aussetzung der </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen mit dem Inkrafttreten des Gesetzes in Kraft. Ab diesem Datum werden daher die R\u00fcckzahlungen </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aller betroffenen Kreditvertr\u00e4ge automatisch kraft Gesetzes ausgesetzt, was m\u00f6glicherweise zu einer weiteren Verringerung </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Mittelzufl\u00fcsse aus dem CHF-Kreditportfolio f\u00fchrt. Ungeachtet dessen bleibt die Bank weiterhin verpflichtet, Zahlungen </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzunehmen, wenn der vom Kreditnehmer zur\u00fcckgezahlte Gesamtbetrag unter dem ausgezahlten Gesamtkreditbetrag liegt. </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlich ist, dass Verbraucher keine individuellen Antr\u00e4ge auf Aussetzung der R\u00fcckzahlung stellen m\u00fcssen und Gerichte keine </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen \u00fcber einstweilige Ma\u00dfnahmen oder damit verbundene Rechtsmittel mehr erlassen oder \u00fcberpr\u00fcfen m\u00fcssen.</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Entwurf vorgeschlagenen prozessualen Ma\u00dfnahmen zielen darauf ab, die Verfahrensbearbeitung zu vereinfachen. So </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen Rechtssachen trotz Antrags einer Partei auf \u00f6ffentliche Anh\u00f6rung unter Ausschluss der \u00d6ffentlichkeit verhandelt </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, Parteien k\u00f6nnen Aussagen schriftlich einreichen und die Einvernahme von Zeugen kann mittels technischer Hilfsmittel </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgen, auch wenn sich eine Partei dagegen ausspricht. Dar\u00fcber hinaus wurde bei Gericht ein vereinfachter Prozess zur </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beendigung von Verfahren nach freiwilliger Zur\u00fccknahme der Klage oder Berufung eingef\u00fchrt. Um eine Einigung und </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gemeinsame Abstimmung zu erleichtern, erm\u00f6glicht der Entwurf dem Beklagten, bis zum Ende der Verhandlung vor dem </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht zweiter Instanz oder \u2013 falls der Fall unter Ausschluss der \u00d6ffentlichkeit verhandelt wird \u2013 bis zur Verk\u00fcndung des Urteils </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Gerichts zweiter Instanz eine Aufrechnungseinrede zu erheben. Ebenso kann eine Widerklage bis zum Abschluss der </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Verhandlung oder \u2013 bei Verhandlung unter Ausschluss der \u00d6ffentlichkeit \u2013 bis zur Verk\u00fcndung des </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Urteils eingebracht werden. Der Gesetzentwurf bietet zudem Anreize f\u00fcr eine g\u00fctliche Streitbeilegung, indem </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">er vorsieht, dass bei R\u00fccknahme einer Klage, einer Berufung oder einer Kassationsbeschwerde innerhalb von sechs Monaten </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach Inkrafttreten des Gesetzes die H\u00e4lfte der Gerichtskosten erstattet wird. Der Gesetzesentwurf sieht zudem </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen f\u00fcr die Befugnis des Obersten Gerichtshofs vor, Kassationsbeschwerden in F\u00e4llen zu verhandeln, die Kredite </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit CHF-Bezug betreffen.</span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Gesetz soll 14 Tage nach seiner Ver\u00f6ffentlichung im offiziellen Gesetzblatt in Kraft treten. Die verk\u00fcrzte Legisvakanz </span></div><div class=\"ps12694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(vacatio legis) unterstreicht die Dringlichkeit der Ma\u00dfnahme und k\u00f6nnte den Bankensektor bei der Umsetzung der </span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmungen vor erhebliche Herausforderungen stellen. Neben den finanziellen Auswirkungen (geringere Mittelzufl\u00fcsse aus </span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckzahlung strittiger Kredite) k\u00f6nnten die vorgeschlagenen Regelungen auch die Beilegung von Gerichtsverfahren </span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen und damit den Mittelabfluss aus Banken aufgrund der Notwendigkeit, rechtskr\u00e4ftige Urteile umzusetzen, </span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen. Sie k\u00f6nnten auch Verbraucher, die noch keine Anspr\u00fcche gegen Banken geltend gemacht haben, dazu </span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermutigen, Klage einzureichen.</span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Finanzielle Auswirkungen</span></div><div class=\"ps27812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat f\u00fcr die in Polen eingebrachten und erwarteten Klagen f\u00fcr Schweizer-Franken- und Euro-Kredite inklusive </span></div><div class=\"ps27813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verzugszinsen, die an Kunden zu zahlen sein werden, vorgesorgt. Da Klagen von einer Reihe von Kunden eingebracht wurden, </span></div><div class=\"ps23986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basiert diese R\u00fcckstellung auf einem statistischen Ansatz, der sowohl statistische Daten, soweit diese relevant sind, als auch </span></div><div class=\"ps23987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen ber\u00fccksichtigt. In diesem Kapitel umfasst der Begriff R\u00fcckstellung Vorsorgen gem\u00e4\u00df IFRS 9, bei denen der </span></div><div class=\"ps27814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bruttobuchwert aufgrund einer Anpassung der erwarteten zuk\u00fcnftigen Cashflows um den r\u00fcckzustellenden Betrag reduziert </span></div><div class=\"ps27815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, sowie R\u00fcckstellungen gem\u00e4\u00df IAS 37.</span></div><div class=\"ps27816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat ein Portfolio von rund 17,2 Tausend aktiven CHF-Darlehen mit einer Gesamtaushaftung von knapp \u20ac 1,3 Milliarden </span></div><div class=\"ps27624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und rund 10,1 Tausend CHF-Darlehen, die bereits getilgt wurden. Dies beinhaltet auch Darlehen, von welchen nicht erwartet </span></div><div class=\"ps27625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, dass sie Gegenstand von Rechtsstreitigkeiten werden. Zus\u00e4tzlich hat die RBI rund 8,7 Tausend in Euro vergebene Darlehen </span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit einem Volumen von rund \u20ac 360 Millionen ausstehend. Rund 9,3 Tausend weitere in Euro vergebene Darlehen wurden bereits </span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcckbezahlt. </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sich daraus ergebende R\u00fcckstellung betr\u00e4gt \u20ac\u00a01.956 Millionen (Vorjahr: \u20ac\u00a02.071 Millionen), davon \u20ac 1.774 f\u00fcr Schweizer-</span></div><div class=\"ps27817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Franken- und \u20ac 182 Millionen f\u00fcr Euro-Kredite. Die Gesamth\u00f6he der R\u00fcckstellung stellt die bestm\u00f6gliche Sch\u00e4tzung des </span></div><div class=\"ps27818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftigen Abflusses von wirtschaftlichem Nutzen dar. Bei der Berechnung der R\u00fcckstellung f\u00fcr in Polen eingereichte Klagen ist </span></div><div class=\"ps27819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es notwendig, sich eine Meinung zu Sachverhalten zu bilden, die grunds\u00e4tzlich ungewiss sind, wie beispielsweise regulatorische </span></div><div class=\"ps27820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verlautbarungen, die Anzahl zuk\u00fcnftiger Klagen, der Umfang, in dem diese aufrechterhalten werden, und die Auswirkungen von </span></div><div class=\"ps27821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsentscheidungen, die f\u00fcr eingegangene Klagen relevant sein k\u00f6nnen.</span></div><div class=\"ps27822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es verbleiben somit eine Reihe von Risiken und Ungewissheiten. Folglich k\u00f6nnten die tats\u00e4chlichen Kosten von den Sch\u00e4tzungen </span></div><div class=\"ps27823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI und den ihnen zugrunde liegenden Annahmen abweichen. Dies k\u00f6nnte dazu f\u00fchren, dass eine weitere R\u00fcckstellung </span></div><div class=\"ps27824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich wird. Die wesentlichen, quantifizierbaren Unsicherheiten in Bezug auf die Berechnung der R\u00fcckstellung beziehen </span></div><div class=\"ps27825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich auf eine potenzielle Reduzierung der Diskontierungsperiode, einen R\u00fcckgang der Abzinsungsrate, einen Anstieg der </span></div><div class=\"ps27826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Klagen f\u00fcr ausstehende und getilgte Kredite, eine Erh\u00f6hung des durchschnittlichen Verlusts pro Kreditfall f\u00fcr </span></div><div class=\"ps27827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehende und getilgte Kredite sowie auf die Erfolgsquote au\u00dfergerichtlicher Einigungen. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Sensitivit\u00e4tsanalyse</span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse f\u00fcr potenzielle \u00c4nderungen der verwendeten Parameter \u00fcber die n\u00e4chsten 12 Monate, w\u00e4hrend alle </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Parameter konstant gehalten werden, ist in den folgenden beiden Tabellen getrennt nach CHF- und EUR-Kredite </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt:</span></div><div class=\"ps27875 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22055\">1.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17673\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17823\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24278\"></span><span class=\"ps24278\">1,1</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27843\"></span><span class=\"ps27843\">0,8</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27845\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23810\"></span><span class=\"ps23810\">95</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25330\"></span><span class=\"ps25330\">96</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19921\"></span><span class=\"ps19921\">145</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19934\"></span><span class=\"ps19934\">146</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20867\"></span><span class=\"ps20867\">43</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27862\"></span><span class=\"ps27862\">44</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27864\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Anzahl an erwarteten zuk\u00fcnftigen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Vergleichen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27867 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27866\">2.497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27869 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27868\">- 10.0%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27870 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps21504\">2.247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27871 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung des Vergleichsangebots f\u00fcr Kunden (in % des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Verlustes im Falle einer Annullierung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27872 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24264\"></span><span class=\"ps24264\">79</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23543 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps19996\"> + 5.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17570 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27874 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27885 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27876\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17673\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17823\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27878\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13629\"></span><span class=\"ps13629\">6,0</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27879\"></span><span class=\"ps27879\">5,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27881\"></span><span class=\"ps27881\">52</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">93</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24321\"></span><span class=\"ps24321\">94</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24456\"></span><span class=\"ps24456\">15</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27884\"></span><span class=\"ps27884\">16</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Annahmen basieren auf internen Statistiken sowie auf Marktdaten. Der Anstieg der R\u00fcckstellung ist linear f\u00fcr alle </span></div><div class=\"ps27887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassungen, mit der Ausnahme von Anpassungen der Abzinsungsrate, die logarithmisch ansteigt. Des Weiteren ber\u00fccksichtigt </span></div><div class=\"ps27888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Modell keine unerwarteten Entwicklungen in der Rechtsprechung.</span></div><div class=\"ps27889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr das Gesch\u00e4ftsjahr 2025 wurde die Sensitivit\u00e4tsanalyse etwas erweitert. Zum einen wurde bei der Sensitivit\u00e4t der </span></div><div class=\"ps27890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsperiode zwischen der IFRS 9 Buchwertanpassung und der IAS 37 R\u00fcckstellungen aufgrund der unterschiedlichen </span></div><div class=\"ps27891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsdauer unterschieden. Zum anderen wurde das CHF-Portfolio um neue Sensitivit\u00e4ten im Zusammenhang mit den </span></div><div class=\"ps27892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichsangeboten erg\u00e4nzt, da diesen im Jahr 2025 zahlenm\u00e4\u00dfig eine h\u00f6here Bedeutung zukam. F\u00fcr den Vergleichszeitraum </span></div><div class=\"ps12050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 wurden diese neuen Sensitivit\u00e4ten nicht ermittelt. </span></div><div class=\"ps27916 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27893\">1.965<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25180\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21946\"></span><span class=\"ps21946\">2,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21958\"></span><span class=\"ps21958\">2,0</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14946 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20784\"></span><span class=\"ps20784\">91,5</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27899 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27901 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27900\"></span><span class=\"ps27900\">92,5</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27902 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14959 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26820\"></span><span class=\"ps26820\">117</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27903 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27905 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27904\"></span><span class=\"ps27904\">118</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27907 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27906\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14971 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27908 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27909 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27910 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14987 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27911 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27913 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27912\"></span><span class=\"ps27912\">54</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27915 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27914\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25287\">106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">7,2</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21519\"></span><span class=\"ps21519\">6,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14946 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23527\"></span><span class=\"ps23527\">32,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27899 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27901 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27917\"></span><span class=\"ps27917\">33,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27902 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14959 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27918\"></span><span class=\"ps27918\">83</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27903 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27905 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27907 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14971 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27908 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27909 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27910 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14987 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">35</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27911 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27913 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">36</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27915 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Vergleichsprogramm </span></div><div class=\"ps27920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereits 2023 wurde ein au\u00dfergerichtliches Vergleichsprogramm basierend auf dem Mustervorschlag des Vorsitzenden der </span></div><div class=\"ps27921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">polnischen Finanzaufsichtsbeh\u00f6rde gestartet. Das prim\u00e4re Ziel des Vergleichsprogramms ist die Limitierung der erwarteten </span></div><div class=\"ps27922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verluste, die aus der aktuellen negativen Rechtsprechung resultieren, die meisten Hypothekarkredite g\u00e4nzlich zu annullieren. </span></div><div class=\"ps27923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund einer verhaltenen Resonanz der Kund:innen auf dieses Programm wurde im Jahr 2024 ein verbessertes Modell zum </span></div><div class=\"ps27924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweck einer h\u00f6heren Akzeptanz entwickelt. Im Gegensatz zu einer Neuberechnung des ausgegeben Kreditvertrags mit </span></div><div class=\"ps27925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Parametern orientiert sich das \u00fcberarbeitete Vergleichsprogramm am R\u00fcckzahlungsbetrag an die Kund:innen im </span></div><div class=\"ps27926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fall einer Annullierung abz\u00fcglich eines prozentuellen Abschlags. In beiden F\u00e4llen f\u00fchrt ein Vergleich zu einer Abschreibung eines </span></div><div class=\"ps27927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teils des Kreditbetrags, abh\u00e4ngig vom individuell ausgehandelten Vergleichsangebot. Die Vergleichsprogramme werden mittels </span></div><div class=\"ps27928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mediationsverfahren durch die polnische Finanzaufsichtsbeh\u00f6rde abgewickelt.</span></div><div class=\"ps27929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Per 31.12.2025 hat die RBI 21.630 individuelle Vergleichsangebot an Kund:innen gestellt, wovon mit 4.541 Kund:innen ein Vergleich </span></div><div class=\"ps27930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und mit weiteren 855 Kund:innen der Mediationsprozess erfolgreich abgeschlossen wurde. Die Bank hat bei der Berechnung der </span></div><div class=\"ps27931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorsorgen die gesch\u00e4tzte Anzahl der mit Kund:innen abzuschlie\u00dfenden Vergleiche ber\u00fccksichtigt, die das angepasste Niveau </span></div><div class=\"ps27932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftiger Verluste in diesen Vergleichsf\u00e4llen widerspiegeln. Die Ber\u00fccksichtigung von Vergleichen in der </span></div><div class=\"ps27933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungsberechnung wird von Faktoren wie dem R\u00fcckzahlungsbetrag im Falle einer Annullierung, der Entwicklung der </span></div><div class=\"ps27934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung und der Verfahrensdauer beeinflusst.</span></div><div class=\"ps27935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Rum\u00e4nien<span id=\"i1496d54a25184efda16663eedabe2457\"></span></span></div><div class=\"ps27936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Mai 2023 hat die rum\u00e4nische Verbraucherschutzbeh\u00f6rde (ANPC) die Methode bestritten, wie Raten im Zusammenhang mit </span></div><div class=\"ps27937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucherkrediten berechnet werden, und behauptet, dass R\u00fcckzahlungspl\u00e4ne mit festen Raten, die sich zu Beginn der <span class=\"f ps24\"> </span></span></div><div class=\"ps27938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung aus einem gr\u00f6\u00dferen Zinsanteil und einem geringeren Kapitalanteil zusammensetzen, f\u00fcr Verbraucher nachteilig </span></div><div class=\"ps27939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seien und daher zu gleichen Teilen aus Kapital und Zinsen bestehen sollten. Sie erlie\u00df eine Anordnung, diese Praxis einzustellen, </span></div><div class=\"ps27940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber eine Reihe von Banken, darunter die rum\u00e4nische Netzwerkbank der RBI, Raiffeisen Bank SA, Bukarest, haben vor Gericht </span></div><div class=\"ps27941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Aussetzung der Anwendung dieser ANPC-Ma\u00dfnahme erwirkt. Da der Inhalt der Anordnung unklar ist, kann zum jetzigen </span></div><div class=\"ps27942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt nicht festgestellt werden, ob es zu negativen finanziellen Auswirkungen auf RBRO kommen wird und, wenn ja, </span></div><div class=\"ps27943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welcher m\u00f6gliche Schaden damit verbunden ist. Im Falle einer zwingenden \u00c4nderung der R\u00fcckzahlungspl\u00e4ne k\u00f6nnten die </span></div><div class=\"ps27944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen jedoch erheblich sein. Im Mai 2023 hat Raiffeisen Bank SA, Bukarest die G\u00fcltigkeit der \u201eFeststellungen\u201c der ANPC </span></div><div class=\"ps27945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor Gericht angefochten und das Gericht hat entschieden, dass die ANPC-Ma\u00dfnahme ausgesetzt werden soll, bis es eine </span></div><div class=\"ps27946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">endg\u00fcltige gerichtliche Entscheidung im Anfechtungsverfahren gibt. Im Juni 2025 gewann Raiffeisen Bank SA, Bukarest das </span></div><div class=\"ps2824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren gegen die Feststellungen. Da diese Entscheidung rechtskr\u00e4ftig ist, wurde der Prozess bez\u00fcglich der ANPC-Anordnung </span></div><div class=\"ps27947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgesetzt.</span></div><div class=\"ps27948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Juni 2024 erhielt Raiffeisen Bank SA, Bukarest einen weiteren ANPC-Bericht, der im Wesentlichen auch den gesamten </span></div><div class=\"ps27949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rum\u00e4nischen Bankenmarkt betrifft und auf einer ANPC-Untersuchung dar\u00fcber basiert, wie Banken der Verpflichtung zur </span></div><div class=\"ps27950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausreichenden Information der Kund:innen nachkommen. Basierend auf dem Vorwurf einer \u201ebetr\u00fcgerischen Praxis\u201c der Banken </span></div><div class=\"ps27951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verlangt der Bericht von den Banken, folgende Ma\u00dfnahmen zu ergreifen: (i) Bei Verbraucherkrediten mit variablen Zinss\u00e4tzen ist </span></div><div class=\"ps27952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ANPC der Meinung, dass die Banken einen Zinssatz h\u00e4tten anwenden sollen, der aus einem \u00f6ffentlichen Index (wie ROBOR, </span></div><div class=\"ps27953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EURIBOR, etc.) plus einer Marge besteht, und nicht eine Art \u201eMarktzinssatz\u201c (nicht an einen \u00f6ffentlichen Index gebunden). Somit </span></div><div class=\"ps27954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssten variable Zinss\u00e4tze, die als \u201eMarktzinss\u00e4tze\u201c ausgestaltet sind, auch r\u00fcckwirkend, neu berechnet werden, indem vom </span></div><div class=\"ps27955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anf\u00e4nglichen variablen Zinssatz der zu Beginn der ersten variablen Zinsperiode g\u00fcltige \u00f6ffentliche Index abgezogen wird. Die </span></div><div class=\"ps27956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Differenz w\u00fcrde dann als Marge auf den \u00f6ffentlichen Index angewendet, der f\u00fcr die jeweilige variable Zinsperiode gilt, und das </span></div><div class=\"ps27957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis w\u00fcrde den Zinssatz f\u00fcr diese Periode darstellen. Da sich die Ratenzahlungen aus Zins- und Tilgungszahlungen </span></div><div class=\"ps27958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammensetzen, unterliegen alle Komponenten einer Neuberechnung, als ob der Index plus Marge von Anfang an angewendet </span></div><div class=\"ps27959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">worden w\u00e4re. (ii) Bei CHF-Darlehen m\u00fcssten die ausstehenden Kapitalbetr\u00e4ge sowie die Raten neu berechnet werden, indem </span></div><div class=\"ps27960 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das CHF-Exposure zu dem zum Datum der jeweiligen Kreditvertr\u00e4ge g\u00fcltigen Wechselkurs in Euro umgerechnet wird und die <span class=\"f ps24\"> </span></span></div><div class=\"ps27961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raten berechnet werden, als ob die Kredite in Euro gew\u00e4hrt worden w\u00e4ren, jedoch unter Anwendung des CHF-Zinssatzes. Beide </span></div><div class=\"ps27962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ma\u00dfnahmen scheinen sowohl f\u00fcr laufende Kredite als auch f\u00fcr Kredite zu gelten, die in den letzten sechs Monaten vor dem </span></div><div class=\"ps27963 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datum des ANPC-Berichts (7. Juni 2024) zur\u00fcckgezahlt wurden. Raiffeisen Bank SA, Bukarest ist der Meinung, dass sie </span></div><div class=\"ps27964 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtskonform gehandelt hat und hat gegen den ANPC Bericht Rechtsmittel eingelegt. Beide von der ANPC beschlossenen </span></div><div class=\"ps27965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ma\u00dfnahmen sind ausgesetzt, bis eine endg\u00fcltige gerichtliche Entscheidung in der Sache vorliegt. Sollte diese Klage abgewiesen </span></div><div class=\"ps27966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, w\u00fcrde dies infolge der beiden zuvor erw\u00e4hnten Neuberechnungsma\u00dfnahmen, zu R\u00fcckzahlungen an Kund:innen f\u00fchren. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Dezember 2025 obsiegte die Raiffeisen Bank SA, Bukarest, im Rechtsstreit gegen den ANPC-Bericht in der Sache. Die ANPC </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann gegen diese gerichtliche Entscheidung ein Rechtsmittel einlegen.</span></div><div class=\"ps27967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Bankgesch\u00e4ft<span id=\"i9f21916d3a374dc2aea307f0f2e8b558\"></span></span></div><div class=\"ps11633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI und ihre Tochterunternehmen erbringen Dienstleistungen f\u00fcr Firmenkunden, welche auf operativer Ebene das Risiko von </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten erh\u00f6hen. Die wesentlichsten F\u00e4lle sind:</span></div><div class=\"ps4654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach der Insolvenz der Alpine Holding GmbH (Alpine) im Jahr 2013 reichten Kleinanleger:innen in \u00d6sterreich eine Reihe von </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen im Zusammenhang mit einer von der Alpine im Jahr 2012 begebenen Anleihe im Gesamtnennbetrag von \u20ac 100 Millionen </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI und ein weiteres Kreditinstitut ein. Die Anspr\u00fcche gegen die RBI beliefen sich urspr\u00fcnglich auf etwa \u20ac 10 Millionen. </span></div><div class=\"ps3361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamthaft wurden Klagen in H\u00f6he von rund \u20ac 8 Millionen direkt durch einzelne Anleger:innen oder indirekt mittels <span class=\"f ps24\"> </span></span></div><div class=\"ps5149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sammelklage durch die Kammer f\u00fcr Arbeiter und Angestellte geltend gemacht. Aufgrund einiger eingestellter Verfahren sowie </span></div><div class=\"ps5150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von beschr\u00e4nkten Anspr\u00fcchen reduzierte sich der Streitwert der gegen\u00fcber der RBI anh\u00e4ngigen Gerichtsverfahren auf rund \u20ac </span></div><div class=\"ps5151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">6,3 Millionen. Vorgebracht wird unter anderem, dass die Banken als Joint Lead Manager der Anleiheemission gehandelt h\u00e4tten </span></div><div class=\"ps5152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und zum Zeitpunkt der Emission Kenntnis von finanziellen Problemen der Alpine hatten oder zumindest Kenntnis davon h\u00e4tten </span></div><div class=\"ps5153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben m\u00fcssen. Ihnen sollte daher bekannt gewesen sein, dass die Alpine nicht imstande gewesen sei, die Anleihen gem\u00e4\u00df den </span></div><div class=\"ps5154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleihebedingungen zur\u00fcckzuzahlen. Die Kl\u00e4ger behaupten, dass der Kapitalmarktprospekt in Bezug auf die Anleihe irref\u00fchrend </span></div><div class=\"ps19908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und unvollst\u00e4ndig gewesen sei und die Joint Lead Manager einschlie\u00dflich der RBI, dies gewusst h\u00e4tten. Im Dezember 2023 hat </span></div><div class=\"ps27968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Gericht in erster Instanz in mehreren zusammengefassten Verfahren in einem Teilurteil die auf Prospekthaftung </span></div><div class=\"ps27969 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basierenden Anspr\u00fcche von Anleger:innen gegen die RBI in H\u00f6he von insgesamt rund \u20ac 5,9 Millionen abgewiesen. Das </span></div><div class=\"ps27970 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzliche Urteil wurde vom Gericht zweiter Instanz best\u00e4tigt. Die Kl\u00e4ger haben dagegen im September 2024 Revision </span></div><div class=\"ps27971 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim Obersten Gerichtshof erhoben. Die H\u00f6he der Anspr\u00fcche gegen die RBI in diesem Rechtsmittelverfahren wurde von \u20ac 5,9 </span></div><div class=\"ps27972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen auf \u20ac 5,7 Millionen reduziert. Der Oberste Gerichtshof hat die kl\u00e4gerische Revision in diesem Sammelverfahren mit </span></div><div class=\"ps27973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung vom 23. Juli 2025 zur\u00fcckgewiesen. Weiters konnte die RBI eine Reihe weiterer Verfahren im Vergleichsweg </span></div><div class=\"ps27974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beenden und ihre Verfahrenskosten teilweise ersetzt erhalten. Nach den durch die Revisionsentscheidung erledigten Verfahren </span></div><div class=\"ps27975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist die Anzahl aller ansonsten anh\u00e4ngiger Verfahren auf lediglich zwei (Gesamtstreitwert rund \u20ac 0,5 Millionen) gesunken. </span></div><div class=\"ps27976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im ersten Quartal 2021 erfuhr die RBI von einer Klage, die ein indonesisches Unternehmen bereits im November 2020 in Jakarta </span></div><div class=\"ps27977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen sie eingereicht hatte. Die behauptete Forderung auf Ersatz von Verm\u00f6genssch\u00e4den wird mit rund USD 129 Millionen </span></div><div class=\"ps27978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u20ac\u00a0110 Millionen) und die auf Ersatz von ideellen Sch\u00e4den mit USD 200 Millionen (\u20ac 170 Millionen) beziffert. Die Klage wurde der </span></div><div class=\"ps27979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI im Mai 2022 zugestellt. Am 27. Juni 2023 entschied das Bezirksgericht S\u00fcd-Jakarta (Pengadilan Negeri Jakarta Selatan), dass </span></div><div class=\"ps27980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI gegen\u00fcber dem indonesischen Unternehmen eine rechtswidrige Handlung gesetzt habe, und verurteilte die RBI zur </span></div><div class=\"ps27981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlung von Schadenersatz in H\u00f6he von USD 119 Millionen (\u20ac 101 Millionen). Die RBI hat angesichts der Rechts- und Faktenlage </span></div><div class=\"ps27982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen dieses Urteil beim Landesgericht Jakarta (Pengadilan Tinggi Jakarta) Berufung erhoben. Im M\u00e4rz 2024 entschied das </span></div><div class=\"ps27983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landesgericht Jakarta zugunsten der RBI und wies die Klage mangels indonesischer Gerichtsbarkeit zur\u00fcck. Der Kl\u00e4ger brachte </span></div><div class=\"ps27984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Juni 2024 eine Revision beim Obersten Gerichtshof Indonesiens (Mahkamah Agung Republik Indonesia) ein, gegen welche die </span></div><div class=\"ps27985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI eine Revisionsbeantwortung einreichte. W\u00e4hrend auf der Internetseite des Bezirksgerichts S\u00fcd-Jakarta die Abweisung der </span></div><div class=\"ps27986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Revision vermerkt ist, ist die Zustellung dieser Entscheidung des Obersten Gerichtshofs Indonesiens an RBI noch ausst\u00e4ndig.</span></div><div class=\"ps27987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI ist in einem Rechtsstreit mit einem Unternehmen auf den Cayman Islands (Cayman Islands Gesellschaft) und anderen </span></div><div class=\"ps27988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien (einschlie\u00dflich mehrerer Tochterunternehmen und einem Vorstandsmitglied der Cayman Islands Gesellschaft) </span></div><div class=\"ps27989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beteiligt, bei dem es um die Nichtzahlung unter Garantien geht, die von der fr\u00fcheren Muttergesellschaft der Cayman Islands </span></div><div class=\"ps19845 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (Muttergesellschaft) gegeben wurden. Im August 2019 leitete die RBI ein Verfahren gegen die Cayman Islands </span></div><div class=\"ps19846 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (und weitere Gegenparteien) beim Grand Court of the Cayman Islands, Financial Services Division (dem Gerichtshof </span></div><div class=\"ps19847 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Cayman Islands) ein. In diesen Verfahren macht RBI, allgemein formuliert, geltend, dass die Muttergesellschaft durch eine </span></div><div class=\"ps19848 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reihe betr\u00fcgerischer Transfers (das Betrugsschema) ihrer Verm\u00f6genswerte beraubt wurde, um die Durchsetzung von Garantien </span></div><div class=\"ps19849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugunsten der RBI zu verhindern. Im September 2019 erwirkte die RBI eine einstweilige Verf\u00fcgung gegen die Cayman Islands </span></div><div class=\"ps19850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft, die die M\u00f6glichkeit, \u00fcber ihr Verm\u00f6gen zu verf\u00fcgen, einschr\u00e4nkte (die Freezing Order), bis das Verfahren vor dem </span></div><div class=\"ps19851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtshof der Cayman Islands entschieden wird. Im November 2019 reichte die Cayman Islands Gesellschaft eine Bestreitung </span></div><div class=\"ps19852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und eine Gegenklage vor dem Gerichtshof der Cayman Islands ein, die darin enthaltene Gegenklage in H\u00f6he von \u20ac 203 Millionen </span></div><div class=\"ps27990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI. Die Cayman Islands Gesellschaft baut ihre Gegenklage dabei auf Dokumenten auf, deren Vorlage die Cayman </span></div><div class=\"ps27991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands Gesellschaft bislang verweigert hat. Das Verfahren vor dem Gerichtshof der Cayman Islands wurde im Jahr 2020 um </span></div><div class=\"ps27992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Gegenparteien erweitert. Im Dezember 2021 wies das Berufungsgericht der Cayman Islands die Versuche der Cayman </span></div><div class=\"ps27993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands Gesellschaft und anderer Gegenparteien ab, die Freezing Order und die Zust\u00e4ndigkeit des Gerichtshofs der Cayman </span></div><div class=\"ps27994 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands anzufechten. Diese Antr\u00e4ge wurden abgelehnt und der RBI ein Kostenersatz zugesprochen. Im Jahr 2023 \u00e4nderte die RBI </span></div><div class=\"ps27995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihre Klage ab, nahm ein Vorstandsmitglied der Cayman Islands Gesellschaft (Vorstandsmitglied) als Gegenpartei in die </span></div><div class=\"ps27996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren vor dem Gerichtshof der Cayman Islands auf und erh\u00f6hte ihre Schadenersatzforderung von rund \u20ac 44 Millionen auf </span></div><div class=\"ps27997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rund \u20ac 106 Millionen, zuz\u00fcglich Zinsen und Kosten. \u00dcber einen Antrag des Vorstandsmitglieds auf Anfechtung der Zust\u00e4ndigkeit </span></div><div class=\"ps27998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und seine Miteinbeziehung in das Verfahren vor dem Gerichtshof der Cayman Islands wurde im Februar 2025 verhandelt und </span></div><div class=\"ps27999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Antrag im April 2025 abgewiesen, wobei RBI ein Kostenersatz zugesprochen wurde. Die Klagebeantwortung des </span></div><div class=\"ps28000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorstandsmitgliedes wurde im August 2025 eingebracht. Nach einer \u201eCase Management Conference\u201c -Tagsatzung (iW: </span></div><div class=\"ps28001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Festlegung des Prozesszeitplans) im September 2025 wurde angeordnet, dass das Hauptverfahren am ersten verf\u00fcgbaren </span></div><div class=\"ps28002 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Termin nach dem 2. April 2027 beginnen soll. Ebenfalls im September 2025 wurde das Verfahren um eine neue Gegenpartei (eine </span></div><div class=\"ps28003 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaft der Cayman Islands Gesellschaft) erweitert. Diese Gegenpartei gab dem Gerichtshof der Cayman Islands </span></div><div class=\"ps28004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungserkl\u00e4rungen im Wesentlichen in derselben Form ab wie die Freezing Order, und sowohl die Cayman Islands </span></div><div class=\"ps28005 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft als auch die neue Gegenpartei wurden angewiesen, alle ihre Verm\u00f6genswerte im Wert von \u00fcber \u20ac 3 Millionen </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">offenzulegen, wobei weitere Informationen von den Wirtschaftspr\u00fcfern der Cayman Islands Gesellschaft bereitgestellt werden </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollen, um die \u00dcberwachung der Freezing Order zu unterst\u00fctzen. Weitere damit verbundene Verfahren wurden von </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien innerhalb der Unternehmensgruppe der Cayman Islands Gesellschaft gegen die RBI eingebracht, unter anderem </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Malta und British Columbia (Kanada). Diese Verfahren werden von RBI ausgefochten, aber nur mit dem Ziel von </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Feststellungen und nicht eines Schadenersatzanspruches.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Februar 2025 wurde der Kathrein Privatbank Aktiengesellschaft (Kathrein), einer Tochtergesellschaft der RBI, eine beim </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelsgericht Wien eingebrachte Klage auf Schadensersatz in H\u00f6he von \u20ac 50 Millionen und Feststellung der Haftung </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bewertung \u20ac 1 Million) im Zusammenhang mit Malversationen eines fr\u00fcheren Mitarbeiters der Kathrein zugestellt. Obwohl </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kathrein den Kl\u00e4ger in H\u00f6he des von der Malversation betroffenen Betrags bereits entsch\u00e4digt hatte, konnte sie mit dem </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kl\u00e4ger keine au\u00dfergerichtliche Einigung \u00fcber die H\u00f6he des damit verbundenen hypothetischen Gewinnentgangs erzielen. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nichtsdestotrotz werden weitere au\u00dfergerichtliche Vergleichsverhandlungen parallel zum Gerichtsverfahren gef\u00fchrt. Der </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geforderte Betrag ist deutlich h\u00f6her als der von Kathrein berechnete Betrag, der auch durch ein externes Gutachten gest\u00fctzt </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird. Aufgrund der Rechtseinsch\u00e4tzung der Kathrein wurde eine R\u00fcckstellung in angemessener H\u00f6he gebildet.</span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende Juni 2025 reichte ein russischer Firmenkunde der AO Raiffeisenbank beim Schiedsgericht Moskau eine Schadenersatzklage </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in H\u00f6he von etwa \u20ac 337 Millionen gegen die AO Raiffeisenbank ein. Der Kl\u00e4ger behauptet, Verluste erlitten zu haben, die aus </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Nichtzustandekommen des Verkaufs von Anteilen an einer deutschen Tochtergesellschaft, die eine Produktionsanlage in </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Deutschland betreibt, resultierten. Der Kl\u00e4ger warf der AO Raiffeisenbank, die Beratungsleistungen im Zusammenhang mit dem </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glichen Verkauf erbracht hatte, vor, dass sie f\u00fcr dieses Scheitern verantwortlich gewesen sei. Die Klage ist beim </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schiedsgericht Moskau anh\u00e4ngig. Parallel dazu werden Verhandlungen \u00fcber einen au\u00dfergerichtlichen Vergleich gef\u00fchrt. Am 2. </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2025 zog der Kl\u00e4ger seine Klage gegen die AO Raiffeisenbank zur\u00fcck und das Schiedsgericht Moskau beendete das </span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren ohne eine Zahlungsverpflichtung der AO Raiffeisenbank gegen\u00fcber dem russischen Kl\u00e4ger. </span></div><div class=\"ps28006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Durchsetzung durch Regulierungsbeh\u00f6rden<span id=\"i412206e6a7b74809b16ca3c6c144d47c\"></span></span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI und ihre Tochterunternehmen unterliegen zahlreichen nationalen und internationalen Regulierungsbeh\u00f6rden.</span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im M\u00e4rz 2018 wurde von der FMA im Rahmen eines Verwaltungsstrafverfahrens gegen die RBI eine Verwaltungsstrafe in H\u00f6he </span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 2,7 Millionen (die auf der Grundlage des konsolidierten Jahresumsatzes der RBI berechnet wurde und sich auf 0,06 Prozent </span></div><div class=\"ps26123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des letzten verf\u00fcgbaren konsolidierten Jahresumsatzes bel\u00e4uft) f\u00fcr eine angebliche Nichteinhaltung von formalen </span></div><div class=\"ps26124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dokumentationspflichten im Zusammenhang mit dem Know-your-Customer-Prinzip verh\u00e4ngt (Urspr\u00fcngliche FMA- <span class=\"f ps24\"> </span></span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung). Nach Auslegung der \u00f6sterreichischen Finanzmarktaufsicht (FMA) hatte die RBI in einigen wenigen Einzelf\u00e4llen </span></div><div class=\"ps22515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diese administrativen Verpflichtungen nicht eingehalten. Die FMA behauptete nicht, dass Geldw\u00e4sche oder ein anderes </span></div><div class=\"ps22516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf eine kriminelle Handlung oder ein Zusammenhang mit einer </span></div><div class=\"ps22517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solchen best\u00fcnde. Die RBI vertrat die Auffassung, dass sie allen Sorgfaltspflichten in Bezug auf die Know-your-Customer-<span class=\"f ps24\"> </span></span></div><div class=\"ps22518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anforderungen ordnungsgem\u00e4\u00df nachgekommen sei, und erhob Beschwerde gegen die Urspr\u00fcngliche FMA-Entscheidung in ihrer </span></div><div class=\"ps22519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtheit. Das Bundesverwaltungsgericht (BVwG) best\u00e4tigte die urspr\u00fcngliche FMA-Entscheidung (Erste <span class=\"f ps24\"> </span></span></div><div class=\"ps28007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung), wogegen die RBI jedoch in vollem Umfang Revision erhob. Im Dezember 2019 hob der </span></div><div class=\"ps28008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgerichtshof (VwGH) die Erste Berufungsentscheidung auf und wies den Fall an das BVwG zur\u00fcck. In der erneuten </span></div><div class=\"ps28009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 6. Mai 2021 die urspr\u00fcngliche FMA-Entscheidung grunds\u00e4tzlich erneut, </span></div><div class=\"ps28010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">senkte jedoch die Verwaltungsstrafe auf \u20ac 824 Tausend und lie\u00df erneut eine (zweite) Revision vor dem VwGH zu (Zweite </span></div><div class=\"ps28011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df Revision. Im Juli 2023 hob der VwGH die zweite Berufungsentscheidung auf </span></div><div class=\"ps28012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und wies den Fall wieder an das BVwG zur\u00fcck. In der erneuten Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 25. April </span></div><div class=\"ps28013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 grunds\u00e4tzlich erneut die urspr\u00fcngliche FMA-Entscheidung, aber senkte die Verwaltungsstrafe auf \u20ac 2 Millionen (von dem </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der urspr\u00fcnglichen FMA-Entscheidung verh\u00e4ngten Betrag von \u20ac 2,7 Millionen) und lie\u00df erneut eine (dritte) Revision vor dem </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">VwGH zu (Dritte Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df am 7. Juni 2024 Revision. Es wurde eine R\u00fcckstellung in </span></div><div class=\"ps5123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessener H\u00f6he gebildet.</span></div><div class=\"ps22530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im September 2018 wurden im Rahmen eines Verwaltungsverfahrens zwei Verwaltungsstrafen in H\u00f6he von insgesamt PLN 55 </span></div><div class=\"ps22531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 13 Millionen) gegen Raiffeisen Bank Polska S.A (RBPL), die ehemalige polnische Tochtergesellschaft der RBI, verh\u00e4ngt, </span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">da sie ihren Pflichten als Verwahrstelle und Liquidator bestimmter Investmentfonds angeblich nicht nachgekommen ist. Die </span></div><div class=\"ps23989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBPL als Verwahrstelle von Investmentfonds hat im Februar 2018 die Rolle des Liquidators f\u00fcr bestimmte Fonds \u00fcbernommen. <span class=\"f ps24\"> </span></span></div><div class=\"ps23990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach Einsch\u00e4tzung der polnischen Finanzaufsichtsbeh\u00f6rde (KNF) ist die RBPL bestimmten Verpflichtungen in ihrer Funktion als </span></div><div class=\"ps28014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Depotbank und Liquidator der Fonds nicht nachgekommen. Im Zuge der Transaktionen im Zusammenhang mit dem Verkauf </span></div><div class=\"ps28015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Kernbankengesch\u00e4fts der RBPL an die Bank BGZ BNP Paribas S.A. hat die RBI die Verantwortung f\u00fcr die dargelegten </span></div><div class=\"ps28016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsverfahren und die damit verbundenen Strafen \u00fcbernommen. Die RBI hat gegen s\u00e4mtliche Strafen Berufung </span></div><div class=\"ps28017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingelegt. Im September 2019 hat das Verwaltungsgericht der Woiwodschaft der Berufung der RBI in Bezug auf die Strafe in </span></div><div class=\"ps28018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) bez\u00fcglich der Pflichten der RBPL als Depotbank stattgegeben und die Entscheidung der </span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">KNF vollst\u00e4ndig aufgehoben. Die KNF legte gegen das Urteil Kassationsbeschwerde ein. Im Hinblick auf die Geldstrafe in H\u00f6he </span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von PLN 50 Millionen (\u20ac 12 Millionen) in Bezug auf die Funktion der RBPL als Liquidator hat das Verwaltungsgericht der </span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Woiwodschaft die Berufung abgewiesen und die Entscheidung der KNF vollst\u00e4ndig best\u00e4tigt. Die RBI hat beim Obersten </span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht Kassationsbeschwerde eingelegt, da sie der Ansicht ist, dass die RBPL all ihren Pflichten vollumf\u00e4nglich </span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachgekommen ist. Im April 2023 verwies das Oberste Verwaltungsgericht den Fall bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 5 </span></div><div class=\"ps28019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 1 Million) zur erneuten Pr\u00fcfung an das Verwaltungsgericht der Woiwodschaft zur\u00fcck. Weiters hat das Oberste </span></div><div class=\"ps28020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht die Kassationsbeschwerde der RBI bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac 12 Millionen) </span></div><div class=\"ps28021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgewiesen. Diese ist nunmehr final. Allerdings legte die RBI im Oktober 2023 beim Europ\u00e4ischen Gerichtshof f\u00fcr </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Menschenrechte Beschwerde in Bezug auf dieses Urteil ein. Im Oktober 2023 hat das Verwaltungsgericht der Woiwodschaft die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufung der RBI abgewiesen und die Entscheidung der KNF, welche die Strafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) gegen die </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI aufgrund angeblicher Pflichtverletzung als Depotbank f\u00fcr bestimmte Investmentfonds verh\u00e4ngte, best\u00e4tigt. Gegen dieses </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteil wurde beim Obersten Verwaltungsgericht Kassationsbeschwerde eingelegt. Im Februar 2025 hat das Oberste </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht die Kassationsbeschwerde der RBI bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgewiesen. Diese ist nunmehr final. Im Juli 2025 reichte die RBI auch eine Beschwerde beim Europ\u00e4ischen Gerichtshof f\u00fcr </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Menschenrechte betreffend diese Entscheidung ein. Beide Geldstrafen, d. h. die Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Million) und die Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac 12 Millionen), wurden bereits bezahlt.</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang wurden mehrere Einzelklagen und vier Sammelklagen, in denen Anspr\u00fcche von Inhaber:innen von </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zertifikaten der oben genannten Investmentfonds zusammengefasst werden, gegen die RBI eingereicht. Der Gesamtstreitwert </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">per 31. Dezember 2025 betr\u00e4gt rund PLN 81 Millionen (\u20ac 19 Millionen). Dar\u00fcber hinaus wurde die RBI dar\u00fcber informiert, dass dem </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht zwei \u00c4nderungen der Klageschrift vorgelegt wurden, die zu einer Erh\u00f6hung des Gesamtstreitwerts um rund PLN 93 </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 22 Millionen) f\u00fchren k\u00f6nnten. Die erste dieser \u00c4nderungen \u00fcber einen Betrag von circa PLN 91 Millionen (\u20ac 22 </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) wurde der RBI jedoch noch nicht zugestellt. Die Kl\u00e4ger im Rahmen der Sammelklagen fordern, dass die Verantwortung </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI f\u00fcr die behaupteten mangelhaften Leistungen der RBPL (deren Rechtsnachfolgerin die RBI ist) als Depotbank </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgestellt wird. Eine derartige Feststellung w\u00fcrde die finanziellen Anspr\u00fcche der Kl\u00e4ger f\u00fcr weitere Rechtsstreitigkeiten </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sichern und erleichtern. Aufgrund der Rechtseinsch\u00e4tzung der RBI wurde keine R\u00fcckstellung gebildet. </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI eine Anzahl von Benachrichtigungen \u00fcber Anspr\u00fcche seitens BNP im Zusammenhang mit </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Bankgesch\u00e4ften, f\u00fcr die BNP Rechtsnachfolger der RBPL ist, erhalten. Diese Forderungsmitteilungen beziehen sich </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haupts\u00e4chlich auf Verwaltungsverfahren, die von der KNF (Polish Financial Supervision Authority) im Zusammenhang mit </span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angeblichen Vers\u00e4umnissen der RBPL/BNP als Verwahrer von Investmentfonds durchgef\u00fchrt wurden, und k\u00f6nnen zu </span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldstrafen f\u00fchren. Dar\u00fcber hinaus wurden in diesem Zusammenhang Anspr\u00fcche von Anleger:innen gegen\u00fcber der BNP </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erhoben. Die RBI unterst\u00fctzt die BNP in diesen Zusammenhang. Die finanziellen Auswirkungen sind derzeit nicht absch\u00e4tzbar.</span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 wurde die RBI von der FMA informiert, dass ein Verwaltungsstrafverfahren wegen einer angeblichen <span class=\"f ps24\"> </span></span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nichteinhaltung von bestimmten rechtlichen Vorschriften bez\u00fcglich dem Know-Your-Customer Prinzip in Verbindung mit drei </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kunden aus dem Korrespondenzbankgesch\u00e4ft der RBI eingeleitet wurde. Die verfahrensgegenst\u00e4ndlichen Transaktionen </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden von der RBI zwischen 2017 und 2020 abgewickelt. Gem\u00e4\u00df der Auslegung der FMA h\u00e4tte sich die RBI nicht ausreichend </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">davon \u00fcberzeugt, dass diese Banken angemessene Due-Diligence-Prozesse zu ihren eigenen Kunden aus deren eigenen </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzbankgesch\u00e4ft implementiert h\u00e4tten. Daher w\u00e4re es der RBI, aus Sicht der FMA, nicht gelungen, ihre </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen aus den entsprechenden Verwaltungsvorschriften vollst\u00e4ndig zu erf\u00fcllen. Die FMA hat allerdings nicht </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">behauptet, dass tats\u00e4chlich Geldw\u00e4sche oder ein anderes Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf oder in </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit einer anderen kriminellen Handlung vorgelegen sei. Im Juni 2024 stellte FMA das </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsstrafverfahren in Bezug auf eine Bank ohne Strafe ein, verh\u00e4ngte aber eine Verwaltungsstrafe von \u20ac 2,07 Millionen </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber RBI in Bezug auf die anderen beiden Banken. Im Juli 2024 brachte RBI ein Rechtsmittel beim Bundesverwaltungsgericht </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(BVwG) ein und daher ist die Verwaltungsstrafe noch nicht rechtskr\u00e4ftig. Das BVwG hat mittlerweile den EuGH um </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorabentscheidung \u00fcber die Einbindung und die Behandlung von nat\u00fcrlichen Personen, die f\u00fcr eine juristische Person t\u00e4tig sind, </span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als Voraussetzung f\u00fcr die Bestrafung eben solcher juristischen Person ersucht. Das Verfahren vor dem EuGH ist derzeit noch </span></div><div class=\"ps27754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht abgeschlossen.</span></div><div class=\"ps2442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 erhielt die RBI ein Auskunftsersuchen (RFI) vom Amt zur Kontrolle von Auslandsverm\u00f6gen (OFAC) des US-</span></div><div class=\"ps2444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzministeriums. OFAC \u00fcberwacht und vollstreckt Wirtschafts- und Handelssanktionen auf der Grundlage der US-</span></div><div class=\"ps28023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Au\u00dfenpolitik und der nationalen Sicherheitsziele. Ein Versto\u00df gegen US-Sanktionen kann unter anderem Geldstrafen, das </span></div><div class=\"ps28024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einfrieren von Konten oder die Beendigung von Gesch\u00e4ftsbeziehungen mit US-Korrespondenzbanken zur Folge haben. Die von </span></div><div class=\"ps28025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">OFAC im RFI aufgeworfenen Fragen zielen darauf ab, den Zahlungsverkehr und die damit verbundenen Prozesse der RBI mit US-</span></div><div class=\"ps28026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzbanken vor dem Hintergrund der Entwicklungen im Zusammenhang mit Russland und der Ukraine zu kl\u00e4ren. Die </span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI arbeitet seit M\u00e4rz 2023 auch mit dem US-Justizministerium (U.S. Department of Justice - DOJ) im Zusammenhang mit einer </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">DOJ-Anfrage zur Einhaltung der Sanktionen gegen Russland durch die RBI zusammen. Ein Versto\u00df gegen das US-Strafrecht im </span></div><div class=\"ps27763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit Sanktionen kann unter anderem zu Geldstrafen oder der Ernennung eines Beobachters f\u00fchren. Die RBI </span></div><div class=\"ps27764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgt aus Prinzip \u00fcber Richtlinien und Verfahren, die konzipiert sind um die Einhaltung anwendbarer Embargos und </span></div><div class=\"ps27765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzsanktionen sicherzustellen, und kooperiert in Bezug auf deren Anfragen uneingeschr\u00e4nkt mit OFAC und DOJ, soweit dies </span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach geltenden Gesetzen und Vorschriften zul\u00e4ssig ist.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(46) Sonstige Vereinbarungen<span id=\"i4e45134c76fb4c5e9b4e92668d8d9242\"></span></span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Institutsbezogenes Sicherungssystem (Raiffeisen-IPS)<span id=\"if026d990b43f44018ef026f64fbdaf03\"></span></span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Raiffeisen Bank International AG, ihre \u00f6sterreichischen Tochterbanken, die Raiffeisen-Landeszentralen und die </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbanken geh\u00f6ren der Vereinbarung \u00fcber ein institutsbezogenes Sicherungssystem (Raiffeisen-IPS) und der </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichischen Raiffeisen-Sicherungseinrichtung eGen (\u00d6RS) als gesetzlicher Sicherungseinrichtung an. </span></div><div class=\"ps28033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Vereinbarung \u00fcber das Raiffeisen-IPS verpflichten sich die teilnehmenden Institute, einander gegenseitig abzusichern und </span></div><div class=\"ps28034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere bei Bedarf einander die Liquidit\u00e4t und Solvenz sicherzustellen. Dieses Raiffeisen-IPS wurde von den zust\u00e4ndigen </span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsbeh\u00f6rden EZB und FMA als institutsbezogenes Sicherungssystem im Sinne von Artikel 113 Abs 7 CRR </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Kapitalad\u00e4quanzverordnung der Europ\u00e4ischen Union \u2013 Capital Requirements Regulation) mit den damit verbundenen Rechten </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Pflichten der teilnehmenden Institute anerkannt. Danach d\u00fcrfen unter anderem Forderungen zwischen den Raiffeisen-IPS-</span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedern mit einem Risikogewicht von null Prozent angesetzt werden. Das Raiffeisen-IPS unterliegt einer gemeinsamen </span></div><div class=\"ps28035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufsichtsrechtlichen \u00dcberwachung. Es sind unter anderem die Eigenmittelbestimmungen auf konsolidierter Basis einzuhalten.</span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Raiffeisen-IPS mit der \u00d6RS als Sicherungseinrichtung wurde von der FMA als Einlagensicherungs- und </span></div><div class=\"ps28036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anlegerentsch\u00e4digungssystem gem\u00e4\u00df Einlagensicherungs- und Anlegerentsch\u00e4digungsgesetz (ESAEG) anerkannt. </span></div><div class=\"ps28037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die \u00d6RS nimmt f\u00fcr das Raiffeisen-IPS Aufgaben der Risikofr\u00fcherkennung und das Berichtswesen wahr. Die \u00d6RS verwaltet als </span></div><div class=\"ps28038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Treuh\u00e4nderin das liquide Sonderverm\u00f6gen des Raiffeisen-IPS. </span></div><div class=\"ps28039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Raiffeisen-IPS wird durch den Gesamtrisikorat gesteuert, der sich aus Vertreter:innen der RBI AG, der Raiffeisen-</span></div><div class=\"ps28040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landeszentralen und der Raiffeisenbanken zusammensetzt. Aufgaben, die auf Landesebene gel\u00f6st werden k\u00f6nnen, hat der </span></div><div class=\"ps28041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtrisikorat an Landesrisikor\u00e4te delegiert, die sich aus Vertreter:innen der jeweiligen Raiffeisen-Landeszentrale und den </span></div><div class=\"ps28042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbanken des Landes zusammensetzen.</span></div><div class=\"ps28043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6)<span id=\"i8afbcb1545c4449ba45296052420f35e\"></span></span></div><div class=\"ps28044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist Mitglied der Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6). Deren Vereinsmitglieder \u00fcbernehmen eine </span></div><div class=\"ps28045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Haftungsverpflichtung, durch die sie solidarisch die zeitgerechte Erf\u00fcllung aller Kundeneinlagen und </span></div><div class=\"ps28046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenemissionen eines insolventen Vereinsmitglieds bis zu jener Grenze garantieren, die sich aus der Summe der individuellen </span></div><div class=\"ps28047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tragf\u00e4higkeit der anderen Vereinsmitglieder ergibt. Die individuelle Tragf\u00e4higkeit eines Vereinsmitglieds bestimmt sich nach </span></div><div class=\"ps28048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den frei verwendbaren Reserven unter Ber\u00fccksichtigung der einschl\u00e4gigen Bestimmungen des BWG. </span></div><div class=\"ps28049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund von rechtlichen und regulatorischen \u00c4nderungen und der Einf\u00fchrung eines institutsbezogenen Sicherungssystems </span></div><div class=\"ps28050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben die Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6) und ihre Mitgliedsinstitutionen 2019 beschlossen, das </span></div><div class=\"ps28051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Programm f\u00fcr neue Transaktionen nicht mehr fortzuf\u00fchren. Dementsprechend gilt der Kundenschutz der RK\u00d6 nur f\u00fcr die </span></div><div class=\"ps28052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfassten Forderungen gegen Mitgliedsinstitute, die vor dem 1. Oktober 2019 eingegangen sind. Die Rechte der Kund:innen aus </span></div>der gesetzlichen Einlagensicherung sind davon unber\u00fchrt und bleiben im vollen Ausma\u00df bestehen.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-525": {
   "value": "<div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(30) Kreditzusagen, Finanzgarantien und sonstige Zusagen<span id=\"i48904840966d4b48b4329c41dc0365f5\"></span></span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzgarantien<span id=\"i0ae490231c5941c9ad39c5078b8b32fe\"></span></span></div><div class=\"ps19821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gem\u00e4\u00df IFRS 9 handelt es sich bei einer Finanzgarantie um einen Vertrag, der Garantiegeber:innen zur Leistung bestimmter </span></div><div class=\"ps19822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen verpflichtet, wenn diese Zahlung den Garantienehmer:innen f\u00fcr einen Verlust entsch\u00e4digt, der ihm durch die nicht </span></div><div class=\"ps19823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fristgem\u00e4\u00dfe Erf\u00fcllung von Zahlungsverpflichtungen eines Schuldners gem\u00e4\u00df den geltenden Bedingungen eines Schuld-</span></div><div class=\"ps19824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">instruments entsteht. Die Bewertung einer Finanzgarantie, die erstmals zum Erfassungszeitpunkt vorgenommen wird, ist bei </span></div><div class=\"ps19825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragsabschluss unter marktgerechten Bedingungen ident mit der Pr\u00e4mie. Im Gegensatz zu der Darstellung der Wertminde-</span></div><div class=\"ps19826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rungen von finanziellen Verm\u00f6genswerten werden erwartete Kreditausf\u00e4lle als R\u00fcckstellung auf der Passivseite ausgewiesen.</span></div><div class=\"ps24334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eventualverbindlichkeiten und andere au\u00dferbilanzielle Verpflichtungen<span id=\"i8027c444efdc4b7c84bde55a714b7368\"></span></span></div><div class=\"ps24335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hierbei handelt es sich im Wesentlichen um Eventualverbindlichkeiten aus nicht ausgen\u00fctzten Kreditzusagen. Als Kreditzusagen </span></div><div class=\"ps24336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind Verpflichtungen auszuweisen, aus denen ein Kreditrisiko entstehen kann. Dazu geh\u00f6ren Verpflichtungen, Darlehen zu </span></div><div class=\"ps24337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hren, Wertpapiere zu kaufen oder Garantien und Akzepte bereitzustellen. Die Risikovorsorge f\u00fcr Kreditzusagen wird als </span></div><div class=\"ps24338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellung f\u00fcr Risiken aus dem Kreditgesch\u00e4ft gezeigt. H\u00e4ufig werden Kreditzusagen nur teilweise in Anspruch genommen </span></div><div class=\"ps24339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und bestehen somit aus einer ausgen\u00fctzten und aus einer nicht ausgen\u00fctzten Zusage. Wenn die getrennte Identifikation der </span></div><div class=\"ps13878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Kreditausf\u00e4lle, die auf eine in Anspruch genommene und auf eine nicht in Anspruch genommene Zusage entfallen, </span></div><div class=\"ps13879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht m\u00f6glich ist, werden diese gem\u00e4\u00df IFRS 7 zusammen mit den Wertminderungen f\u00fcr den finanziellen Verm\u00f6genswert </span></div><div class=\"ps24340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Wenn die zusammengenommenen erwarteten Kreditausf\u00e4lle den Bruttobuchwert des finanziellen Verm\u00f6genswerts </span></div><div class=\"ps24341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbersteigen, werden diese als R\u00fcckstellung ausgewiesen. Wesentliche Eventualverbindlichkeiten aus Rechtsstreitigkeiten </span></div><div class=\"ps24344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter Punkt </span><span class=\"f charStyle-9eccfdcb ps24342\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps24343\"> dargestellt.</span></div><div class=\"ps24347 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Kreditzusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20223\">42.664<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24345\">37.635<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20224\">10.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17386\">9.243<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18460\">5.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24346\">5.567<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20448\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18468\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20730\">-219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20715\">-182<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zu den dargestellten R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9 wurden R\u00fcckstellungen f\u00fcr sonstige </span></div><div class=\"ps24349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erteilte Zusagen gem\u00e4\u00df IAS 37 unter einer Million gebildet (Vorjahr: \u20ac 1 Million). </span></div><div class=\"ps22484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nominalwert und R\u00fcckstellungen f\u00fcr die au\u00dferbilanziellen Verbindlichkeiten aus Zusagen und Finanzgarantien nach IFRS 9 nach </span></div><div class=\"ps22485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien und Stages \u2013 in \u00dcbereinstimmung mit \u00a7 51 Abs 13 BWG:</span></div><div class=\"ps24399 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1224\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps19457\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1362\"><div><div class=\"ps3168 ss1361\"><span class=\"f charStyle-1dbd4d87 ps3832\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1361\"><span class=\"f charStyle-1dbd4d87 ps11329\">Risiken gem\u00e4\u00df IFRS 9</span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10336 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps10501\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24351 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3821 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24354 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13075 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24042 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24355 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24356 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24357 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24358 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24359 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24360 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3893 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24047 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24361 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24362 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24363 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24364 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13255\">535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10115\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24365 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16888 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24366 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24367 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6742\"></span><span class=\"ps6742\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24368 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11035\"></span><span class=\"ps11035\">95,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9711\">2.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10775\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24111 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24369 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24370 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24371 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13342\">7.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10762\">531<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24372 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10357\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9440\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24115 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10359\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24374 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24375 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9714\"></span><span class=\"ps9714\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24376 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6738\">34.466<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21202\">4.888<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24377 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps12707\">128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1583\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24379 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10980\">-86<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps17893\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24380 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24381 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5973\"></span><span class=\"ps5973\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24382 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17301\"></span><span class=\"ps17301\">28,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps7898\">6.959<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24383 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps11398\">887<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24384 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps196\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps18706\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24386 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21235\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24387 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps20479\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24388 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24389 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9306\"></span><span class=\"ps9306\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24390 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1997\"></span><span class=\"ps1997\">69,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21491 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps1212\">51.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24391 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps3072\">6.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24392 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9587\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24393 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps5983\">-72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24394 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9070\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24395 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps7180\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24396 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21214\"></span><span class=\"ps21214\">0,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24397 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps6331\"></span><span class=\"ps6331\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24398 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1850\"></span><span class=\"ps1850\">33,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24404 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1224\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps19457\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1362\"><div><div class=\"ps3168 ss1361\"><span class=\"f charStyle-1dbd4d87 ps3832\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1361\"><span class=\"f charStyle-1dbd4d87 ps11329\">Risiken gem\u00e4\u00df IFRS 9</span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10336 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps10501\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24351 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3821 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24354 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13075 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24042 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24355 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24356 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24357 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24358 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24359 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24360 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3893 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24047 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24361 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24362 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24363 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24364 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21409\">475<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21581\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24365 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6981\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16888 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps477\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24366 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24367 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7040\"></span><span class=\"ps7040\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24368 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7005\"></span><span class=\"ps7005\">5,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10297\">2.112<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24400\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24111 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24369 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24370 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24371 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps8409\">6.366<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13123\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24372 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13409\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24401\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24115 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24401\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24374 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24375 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7182\"></span><span class=\"ps7182\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24376 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13524\">32.640<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10666\">3.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24377 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps3817\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1583\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24379 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6818\">-46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps303\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24380 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24381 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12492\"></span><span class=\"ps12492\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24382 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9273\"></span><span class=\"ps9273\">24,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9719\">5.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24383 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24402\">813<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24384 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1450\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21188\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24386 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24403\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24387 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps16866\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24388 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24389 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7182\"></span><span class=\"ps7182\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24390 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10647\"></span><span class=\"ps10647\">71,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21491 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps3069\">47.099<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24391 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9253\">5.130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24392 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps17991\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24393 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps303\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24394 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps13206\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24395 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps13206\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24396 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21214\"></span><span class=\"ps21214\">0,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24397 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13257\"></span><span class=\"ps13257\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24398 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps24187\"></span><span class=\"ps24187\">26,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entwicklung der R\u00fcckstellungen auf erteilte Kreditzusagen, Finanzgarantien und <span id=\"iaf6ab94bc3ba487f8b587fc05cb235dd\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">sonstige Zusagen:</span></div><div class=\"ps5281 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20670\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9449\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps20654\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24421\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24423\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps9585\">100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps20709\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps22066\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24427\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17890\">-60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23258\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24430\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24432\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps1079\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24450\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24452\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9399\">219<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24461 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24455\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24456\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps13371\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18524\">204<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24320\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24423\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps9349\">96<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps21497\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24457\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-375ad3a6 ps24458\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps9396\">-59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24317\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24459\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24421\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19611\">-62<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24253\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24460\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20333\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24257\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24460\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21324\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20670\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9449\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24462 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nominalwerte der au\u00dferbilanziellen Verpflichtungen nach Rating-Kategorien und <span id=\"id81acc2a8c404585ab07548cb6edbb88\"></span></span></div><div class=\"ps24463 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stages:</span></div><div class=\"ps24474 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps3168 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18450\">837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24464\">218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17670\">1.055<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20081\">17.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24125\">1.167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12636\">18.792<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps17418\">25.035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20206\">2.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19422\">27.384<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22115\">7.083<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps22339\">9.315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18394\">397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20557\">325<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10482\">722<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24465\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19985\">683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1079\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18039\">889<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20030\">51.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18476\">6.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24466\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps118\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24467\">-72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24468\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17793\">-219<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert nach R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24470 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24469\">51.589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24471 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps22024\">6.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24472 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24473 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1716\">58.088<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24484 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps3168 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18427\">862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24475\">244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps3144\">1.106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19963\">17.492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20557\">873<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19579\">18.365<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18501\">21.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20349\">1.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps13037\">23.410<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24476\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20610\">1.659<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24477\">6.572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24478\">109<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24479\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">375<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17885\">214<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps21445\">2.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19541\">2.402<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20223\">47.099<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24480\">5.130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24481\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps12734\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19277\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24482\">-182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert nach R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24470 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17468\">47.030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24471 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20142\">5.074<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24472 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24483\">159<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24473 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps289\">52.263<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kategorie nicht geratet beinhaltet au\u00dferbilanzielle Verpflichtungen f\u00fcr einige Privatkund:innen, f\u00fcr die keine Ratings </span></div><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgbar sind und deren Einstufung daher auf qualitativen Faktoren basiert</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-524": {
   "value": "<div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(30) Kreditzusagen, Finanzgarantien und sonstige Zusagen<span id=\"i48904840966d4b48b4329c41dc0365f5\"></span></span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzgarantien<span id=\"i0ae490231c5941c9ad39c5078b8b32fe\"></span></span></div><div class=\"ps19821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gem\u00e4\u00df IFRS 9 handelt es sich bei einer Finanzgarantie um einen Vertrag, der Garantiegeber:innen zur Leistung bestimmter </span></div><div class=\"ps19822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen verpflichtet, wenn diese Zahlung den Garantienehmer:innen f\u00fcr einen Verlust entsch\u00e4digt, der ihm durch die nicht </span></div><div class=\"ps19823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fristgem\u00e4\u00dfe Erf\u00fcllung von Zahlungsverpflichtungen eines Schuldners gem\u00e4\u00df den geltenden Bedingungen eines Schuld-</span></div><div class=\"ps19824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">instruments entsteht. Die Bewertung einer Finanzgarantie, die erstmals zum Erfassungszeitpunkt vorgenommen wird, ist bei </span></div><div class=\"ps19825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragsabschluss unter marktgerechten Bedingungen ident mit der Pr\u00e4mie. Im Gegensatz zu der Darstellung der Wertminde-</span></div><div class=\"ps19826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rungen von finanziellen Verm\u00f6genswerten werden erwartete Kreditausf\u00e4lle als R\u00fcckstellung auf der Passivseite ausgewiesen.</span></div><div class=\"ps24334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eventualverbindlichkeiten und andere au\u00dferbilanzielle Verpflichtungen<span id=\"i8027c444efdc4b7c84bde55a714b7368\"></span></span></div><div class=\"ps24335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hierbei handelt es sich im Wesentlichen um Eventualverbindlichkeiten aus nicht ausgen\u00fctzten Kreditzusagen. Als Kreditzusagen </span></div><div class=\"ps24336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind Verpflichtungen auszuweisen, aus denen ein Kreditrisiko entstehen kann. Dazu geh\u00f6ren Verpflichtungen, Darlehen zu </span></div><div class=\"ps24337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hren, Wertpapiere zu kaufen oder Garantien und Akzepte bereitzustellen. Die Risikovorsorge f\u00fcr Kreditzusagen wird als </span></div><div class=\"ps24338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellung f\u00fcr Risiken aus dem Kreditgesch\u00e4ft gezeigt. H\u00e4ufig werden Kreditzusagen nur teilweise in Anspruch genommen </span></div><div class=\"ps24339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und bestehen somit aus einer ausgen\u00fctzten und aus einer nicht ausgen\u00fctzten Zusage. Wenn die getrennte Identifikation der </span></div><div class=\"ps13878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Kreditausf\u00e4lle, die auf eine in Anspruch genommene und auf eine nicht in Anspruch genommene Zusage entfallen, </span></div><div class=\"ps13879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht m\u00f6glich ist, werden diese gem\u00e4\u00df IFRS 7 zusammen mit den Wertminderungen f\u00fcr den finanziellen Verm\u00f6genswert </span></div><div class=\"ps24340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Wenn die zusammengenommenen erwarteten Kreditausf\u00e4lle den Bruttobuchwert des finanziellen Verm\u00f6genswerts </span></div><div class=\"ps24341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbersteigen, werden diese als R\u00fcckstellung ausgewiesen. Wesentliche Eventualverbindlichkeiten aus Rechtsstreitigkeiten </span></div><div class=\"ps24344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter Punkt </span><span class=\"f charStyle-9eccfdcb ps24342\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps24343\"> dargestellt.</span></div><div class=\"ps24347 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Kreditzusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20223\">42.664<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24345\">37.635<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20224\">10.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17386\">9.243<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18460\">5.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24346\">5.567<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20448\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18468\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20730\">-219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20715\">-182<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zu den dargestellten R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9 wurden R\u00fcckstellungen f\u00fcr sonstige </span></div><div class=\"ps24349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erteilte Zusagen gem\u00e4\u00df IAS 37 unter einer Million gebildet (Vorjahr: \u20ac 1 Million). </span></div><div class=\"ps22484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nominalwert und R\u00fcckstellungen f\u00fcr die au\u00dferbilanziellen Verbindlichkeiten aus Zusagen und Finanzgarantien nach IFRS 9 nach </span></div><div class=\"ps22485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien und Stages \u2013 in \u00dcbereinstimmung mit \u00a7 51 Abs 13 BWG:</span></div><div class=\"ps24399 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1224\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps19457\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1362\"><div><div class=\"ps3168 ss1361\"><span class=\"f charStyle-1dbd4d87 ps3832\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1361\"><span class=\"f charStyle-1dbd4d87 ps11329\">Risiken gem\u00e4\u00df IFRS 9</span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10336 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps10501\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24351 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3821 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24354 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13075 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24042 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24355 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24356 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24357 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24358 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24359 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24360 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3893 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24047 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24361 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24362 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24363 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24364 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13255\">535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10115\">54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24365 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16888 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24366 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24367 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6742\"></span><span class=\"ps6742\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24368 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11035\"></span><span class=\"ps11035\">95,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9711\">2.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10775\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24111 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24369 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24370 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24371 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13342\">7.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10762\">531<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24372 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10357\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9440\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24115 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10359\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24374 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24375 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9714\"></span><span class=\"ps9714\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24376 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6738\">34.466<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21202\">4.888<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24377 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps12707\">128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1583\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24379 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10980\">-86<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps17893\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24380 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24381 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5973\"></span><span class=\"ps5973\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24382 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17301\"></span><span class=\"ps17301\">28,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps7898\">6.959<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24383 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps11398\">887<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24384 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps196\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps18706\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24386 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21235\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24387 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps20479\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24388 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24389 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9306\"></span><span class=\"ps9306\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24390 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1997\"></span><span class=\"ps1997\">69,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21491 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps1212\">51.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24391 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps3072\">6.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24392 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9587\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24393 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps5983\">-72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24394 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9070\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24395 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps7180\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24396 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21214\"></span><span class=\"ps21214\">0,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24397 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps6331\"></span><span class=\"ps6331\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24398 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps1850\"></span><span class=\"ps1850\">33,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24404 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td><td style=\"padding:0;width:38.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1224\"><div><div class=\"ps264 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps21437 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps19457\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1362\"><div><div class=\"ps3168 ss1361\"><span class=\"f charStyle-1dbd4d87 ps3832\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1361\"><span class=\"f charStyle-1dbd4d87 ps11329\">Risiken gem\u00e4\u00df IFRS 9</span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10336 ss1362\"><div><div class=\"ps516 ss1361\"><span class=\"f charStyle-1dbd4d87 ps10501\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24351 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3821 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24354 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13075 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24042 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24355 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24356 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24350\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24357 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24352\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24358 ss69\"><div><div class=\"ps3137 ss59\"><span class=\"f charStyle-1dbd4d87 ps24353\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21446 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24359 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24360 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3893 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24047 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24361 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24362 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24363 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24364 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21453 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21409\">475<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19570 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21581\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24365 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6981\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16888 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19574 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps477\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24366 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24367 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7040\"></span><span class=\"ps7040\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24368 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7005\"></span><span class=\"ps7005\">5,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21461 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10297\">2.112<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19578 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24400\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22606 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24111 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19582 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24369 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24370 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24371 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps431\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21469 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps8409\">6.366<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19421 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13123\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24372 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13409\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24401\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24115 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24401\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19426 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6383\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24374 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21199\"></span><span class=\"ps21199\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24375 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7182\"></span><span class=\"ps7182\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24376 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6403\"></span><span class=\"ps6403\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21476 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps13524\">32.640<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19430 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps10666\">3.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24377 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps3817\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1583\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24379 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps6818\">-46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19434 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps303\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24380 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24381 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12492\"></span><span class=\"ps12492\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24382 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9273\"></span><span class=\"ps9273\">24,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21484 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps9719\">5.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24383 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24402\">813<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24384 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps1450\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps21188\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24386 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps24403\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24387 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6 ps16866\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24388 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9434\"></span><span class=\"ps9434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24389 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7182\"></span><span class=\"ps7182\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24390 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10647\"></span><span class=\"ps10647\">71,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1223\"><div><div class=\"ps31 ss1222\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21491 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps3069\">47.099<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24391 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps9253\">5.130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24392 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps17991\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24393 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps303\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24394 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps13206\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24395 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87 ps13206\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24396 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21214\"></span><span class=\"ps21214\">0,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24397 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13257\"></span><span class=\"ps13257\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24398 ss69\"><div><div class=\"ps31 ss59\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps24187\"></span><span class=\"ps24187\">26,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Entwicklung der R\u00fcckstellungen auf erteilte Kreditzusagen, Finanzgarantien und <span id=\"iaf6ab94bc3ba487f8b587fc05cb235dd\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">sonstige Zusagen:</span></div><div class=\"ps5281 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20670\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9449\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps20654\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24421\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24423\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps9585\">100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps20709\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps22066\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24427\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17890\">-60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23258\">-43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24430\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24432\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21319\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps1079\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21893\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24450\">72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24452\">97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21912\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9399\">219<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24461 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps1485 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps1485 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24455\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24456\">96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps13371\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps18524\">204<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung aufgrund von Entstehung und Anschaffung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24320\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21955\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24423\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps9349\">96<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Ausbuchungen (Derecognition)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps21497\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24457\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-375ad3a6 ps24458\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-375ad3a6 ps9396\">-59<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen im Kreditrisiko (Netto)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24317\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24459\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24421\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19611\">-62<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Verminderung aufgrund von Abschreibungen (Write-offs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderungen aufgrund des Modells/Risikoparameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24253\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24460\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20333\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wechselkurse und andere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-375ad3a6 ps24257\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24460\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21324\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps3137 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20670\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24417\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps9449\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24462 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nominalwerte der au\u00dferbilanziellen Verpflichtungen nach Rating-Kategorien und <span id=\"id81acc2a8c404585ab07548cb6edbb88\"></span></span></div><div class=\"ps24463 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stages:</span></div><div class=\"ps24474 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps3168 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18450\">837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24464\">218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17670\">1.055<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20081\">17.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24125\">1.167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12636\">18.792<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps17418\">25.035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20206\">2.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19422\">27.384<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22115\">7.083<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21957\">2.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps22339\">9.315<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18394\">397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20557\">325<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10482\">722<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24465\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19985\">683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1079\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18039\">889<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20030\">51.660<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18476\">6.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24466\">151<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps118\">58.307<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24467\">-72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">-97<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24468\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17793\">-219<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert nach R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24470 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24469\">51.589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24471 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps22024\">6.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24472 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24473 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps1716\">58.088<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24484 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:182.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24407 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps9359\">Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1818 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18802\">Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24408 ss1238\"><div><div class=\"ps3137 ss1236\"><span class=\"f charStyle-1dbd4d87 ps18731\">Stage 3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3819 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps9376\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1364\"><div><div class=\"ps516 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24411 ss556\"><div><div class=\"ps3168 ss34\"><span class=\"f charStyle-1dbd4d87 ps24409\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss34\"><span class=\"f charStyle-1dbd4d87 ps24410\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24414 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24415 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24412\">Erwarteter Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24413\">\u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24416 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18427\">862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24418 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24475\">244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13085 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24419 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps3144\">1.106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24420 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19963\">17.492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24422 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20557\">873<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12845 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24424 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19579\">18.365<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Gut<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24425 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps18501\">21.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24426 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20349\">1.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13152 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24428 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps13037\">23.410<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24429 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24476\">4.912<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24431 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps20610\">1.659<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24433 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24434 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24477\">6.572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Unterdurchschnittlich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24435 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24478\">109<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24436 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24479\">266<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24437 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24438 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">375<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Wertgemindert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24439 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24440 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24441 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21899\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24442 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17885\">214<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24443 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps21445\">2.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24444 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21958\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24445 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24446 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19541\">2.402<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1533 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24447 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps20223\">47.099<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24448 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24480\">5.130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24449 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24481\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3860 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps12734\">52.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1547 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle Risiken gem\u00e4\u00df IFRS 9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24451 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19277\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24453 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24454 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21923\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3867 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24482\">-182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1561 ss1365\"><div><div class=\"ps31 ss1363\"><span class=\"f charStyle-1dbd4d87 ps30\">Nominalwert nach R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24470 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps17468\">47.030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24471 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps20142\">5.074<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24472 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24483\">159<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24473 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps289\">52.263<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kategorie nicht geratet beinhaltet au\u00dferbilanzielle Verpflichtungen f\u00fcr einige Privatkund:innen, f\u00fcr die keine Ratings </span></div><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgbar sind und deren Einstufung daher auf qualitativen Faktoren basiert</span><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(45) Offene Rechtsf\u00e4lle<span id=\"i4d346b82ed764889bbf7474597edeaad_1319\"></span><span id=\"i23d09f5a71524f22999efa874cffb125\"></span></span></div><div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist an diversen Gerichts-, Beh\u00f6rden- oder Schiedsverfahren vor verschiedenen Gerichten und Beh\u00f6rden beteiligt, die sich </span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Regel aus der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit in vertraglichen, arbeitsrechtlichen und anderen Angelegenheiten </span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ergeben.</span></div><div class=\"ps27593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine R\u00fcckstellung wird nur dann gebildet, wenn eine gegenw\u00e4rtige rechtliche oder faktische Verpflichtung aufgrund eines </span></div><div class=\"ps27594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vergangenen Ereignisses entstanden ist, die Zahlung wahrscheinlich ist und der Betrag zuverl\u00e4ssig gesch\u00e4tzt werden kann. Eine </span></div><div class=\"ps27595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eventualverbindlichkeit, die aufgrund eines vergangenen Ereignisses entstanden ist, wird offengelegt, es sei denn die </span></div><div class=\"ps27596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen sind h\u00f6chst unwahrscheinlich. Eine Eventualforderung aufgrund eines vergangenen Ereignisses wird ausgewiesen, </span></div><div class=\"ps13872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn eine hohe Eintrittswahrscheinlichkeit gegeben ist. In der nachfolgenden Beschreibung wird in jenen F\u00e4llen kein Betrag <span class=\"f ps24\"> </span></span></div><div class=\"ps13873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">genannt, in denen in \u00dcbereinstimmung mit IAS 37, dies schwerwiegend nachteilig w\u00e4re. Die Berechnung der R\u00fcckstellung findet </span></div><div class=\"ps13874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in bestimmten F\u00e4llen auf einer Portfoliobasis statt, weil die Sch\u00e4tzung der Verpflichtung damit eine h\u00f6here Verl\u00e4sslichkeit </span></div><div class=\"ps13875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufweist. Die RBI hat ihre R\u00fcckstellungen, Eventualforderungen und -verbindlichkeiten in die Gruppen Konsumentenschutz, </span></div><div class=\"ps27597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bankgesch\u00e4fte, Durchsetzung durch Regulierungsbeh\u00f6rden und Steuerf\u00e4lle eingeteilt.</span></div><div class=\"ps27598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Rasperia<span id=\"i7b17e444151849beaf5acc2b6821a9a4\"></span></span></div><div class=\"ps20748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im August 2024 reichte das russische Unternehmen Rasperia Trading Limited (Rasperia) eine Klage gegen die \u00f6sterreichische </span></div><div class=\"ps20749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft STRABAG SE (STRABAG) und mehrere Gro\u00dfaktion\u00e4re der STRABAG (STRABAG-Aktion\u00e4re) sowie gegen die russische </span></div><div class=\"ps20750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaft der RBI, AO Raiffeisenbank, beim russischen Gericht der Region Kaliningrad ein. Rasperia, die 28.500.000 </span></div><div class=\"ps20751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Stammaktien und eine Namensaktie h\u00e4lt, behauptet, dass ihr Aktion\u00e4rsrechte entzogen worden seien. Insbesondere </span></div><div class=\"ps20752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">d\u00fcrfe sie nicht an Hauptversammlungen teilnehmen oder Mitglieder des Aufsichtsrats der STRABAG ernennen, ihr seien f\u00fcr die </span></div><div class=\"ps20753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vergangenen Jahre keine Dividenden gezahlt worden, und der Anteil von Rasperia an STRABAG wurde 2023 ohne ihre </span></div><div class=\"ps20754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zustimmung und ohne Abfindung verw\u00e4ssert worden. Nach Angaben von Rasperia sind durch den Verlust s\u00e4mtlicher </span></div><div class=\"ps20755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktion\u00e4rsrechte Verluste in H\u00f6he von rund \u20ac 1,983 Milliarden entstanden, die sich aus dem Marktwert von Rasperias Anteil an </span></div><div class=\"ps27599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG sowie aus nicht gezahlten Dividenden und aus Zinsen auf beide Betr\u00e4ge zusammensetzen.</span></div><div class=\"ps20760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die AO Raiffeisenbank wird in der Klage als mit den anderen Beklagten in Verbindung stehend erw\u00e4hnt, ihr wird jedoch kein </span></div><div class=\"ps20761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenes Fehlverhalten vorgeworfen. Die RBI AG ist an diesem Verfahren nicht beteiligt.</span></div><div class=\"ps27600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia hat die Anspr\u00fcche gegen STRABAG und die STRABAG-Aktion\u00e4re von den Anspr\u00fcchen gegen die AO Raiffeisenbank </span></div><div class=\"ps27601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getrennt:</span></div><div class=\"ps27602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(i) Der Anspruch gegen STRABAG und die STRABAG-Aktion\u00e4re lautet auf Schadenersatz in H\u00f6he von circa \u20ac 1,983 Milliarden </span></div><div class=\"ps27603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuz\u00fcglich Zinsen bis zur Urteilsvollstreckung (geforderter Betrag).</span></div><div class=\"ps27604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(ii) Die Klage gegen die AO Raiffeisenbank soll die Vollstreckung des unter Punkt (i) genannten Urteils in Russland sicherstellen </span></div><div class=\"ps27605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und umfasst daher die Zwangsvollstreckung in die Barmittel der AO Raiffeisenbank (insbesondere hinsichtlich ihrer nicht </span></div><div class=\"ps27606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgesch\u00fctteten Gewinne) zur Abgeltung des Rasperia zuerkannten Betrags und im Gegenzug die Anerkennung des Eigentums </span></div><div class=\"ps27607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der AO Raiffeisenbank an den von Rasperia gehaltenen 28.500.000 STRABAG-Stammaktien und einer Namensaktie ab dem Tag </span></div><div class=\"ps27608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Vollstreckung des Urteils gegen die AO Raiffeisenbank.</span></div><div class=\"ps27609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der vorbereitenden Tagsatzung am 16. Oktober 2024 wurde der geforderte Betrag von circa \u20ac 1,983 Milliarden auf circa </span></div><div class=\"ps27610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a02,043 Milliarden erh\u00f6ht. </span></div><div class=\"ps27611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 20. J\u00e4nner 2025 hat das russische Gericht in Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass die STRABAG und die </span></div><div class=\"ps27612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Aktion\u00e4re \u20ac 2,044 Milliarden an Rasperia zahlen m\u00fcssen und das Urteil gegen Verm\u00f6genswerte der AO Raiffeisenbank </span></div><div class=\"ps27613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollstreckt werden kann.</span></div><div class=\"ps952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In seinem Urteil ist das russische Gericht auch dem Antrag von Rasperia gefolgt, wonach die Eigentumsrechte an den von </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia gehaltenen Aktien der STRABAG an die AO Raiffeisenbank \u00fcbertragen werden sollen. Russische Urteile haben jedoch in </span></div><div class=\"ps27614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich keine bindende Wirkung, weshalb die \u00dcbertragung der Aktien nicht durchsetzbar ist. Dar\u00fcber hinaus sind die </span></div><div class=\"ps27615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">STRABAG-Aktien der Rasperia aufgrund von EU-Sanktionen eingefroren, was ihre \u00dcbertragung derzeit ebenfalls verhindert.</span></div><div class=\"ps27616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 21. Februar legte die AO Raiffeisenbank gegen dieses Urteil Berufung mit aufschiebender Wirkung ein. Am 24. April 2025 </span></div><div class=\"ps27617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">best\u00e4tigte das russische Berufungsgericht in St. Petersburg das erstinstanzliche Urteil des russischen Gerichts der Region </span></div><div class=\"ps27618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaliningrad. Aufgrund der Entscheidung des St. Petersburger Berufungsgerichts muss die AO Raiffeisenbank den vom russischen </span></div><div class=\"ps27619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht der Region Kaliningrad zugesprochenen Schadenersatz von \u20ac 2,044 Milliarden zahlen. Am 25. April 2025 hat die AO </span></div><div class=\"ps27620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank gegen das Urteil des Berufungsgerichts ein weiteres Rechtsmittel bei der n\u00e4chsten russischen Instanz, dem </span></div><div class=\"ps27621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kassationsgericht in St. Petersburg, eingebracht. Dem Rechtsmittel an das Kassationsgericht war auch ein Antrag auf Aufschub </span></div><div class=\"ps27622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Vollstreckung des zweitinstanzlichen Urteils angeschlossen, der allerdings bereits vom Kassationsgericht abgewiesen </span></div><div class=\"ps27623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde. In der Gerichtsverhandlung am 4. August 2025 wies das Kassationsgericht in St. Petersburg die Kassationsbeschwerde </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der AO Raiffeisenbank gegen das Urteil ab. AO Raiffeisenbank hat von der Einlegung eines au\u00dferordentlichen Rechtsmittels </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim Obersten Gerichtshof der Russischen F\u00f6deration abgesehen, um weitere finanzielle Risiken zu minimieren. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 30. April 2025 beantragte Rasperia bei der russischen Zentralbank (CBR) die Vollstreckung des Urteils durch Belastung eines </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzkontos der AO Raiffeisenbank bei der CBR mit dem RUB-\u00c4quivalent von \u20ac 1,870 Milliarden (dies entspricht dem </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia vom russischen Gericht der Region Kaliningrad zugesprochenen Schadenersatz ohne Zinsen von circa \u20ac 174 Millionen). </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Entsprechung dieses Antrags wurde noch am 30. April ein Betrag von RUB 174,221 Milliarden von einem CBR-</span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzkonto der AO Raiffeisenbank von der CBR zugunsten von Rasperia abgezogen bzw. gepf\u00e4ndet. Die Rasperia vom </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Gericht der Region Kaliningrad zugesprochenen Zinsen waren zu diesem Zeitpunkt nicht Gegenstand von Rasperias </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungsantrag an die CBR, sondern Gegenstand eines zweiten Vollstreckungsantrags vom 26. Mai 2025. Infolgedessen </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde am 27. Mai 2025 ein Betrag von circa RUB 21,599 Milliarden (entsprechend circa \u20ac 239 Millionen einschlie\u00dflich inzwischen </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgelaufener Zinsen) von einem CBR-Korrespondenzkonto der AO Raiffeisenbank durch die CBR zugunsten von Rasperia </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgezogen bzw. gepf\u00e4ndet. Dabei hat Rasperia jedoch die Zinsen f\u00fcr den letzten Tag des Zinslaufs nicht vollstreckt. Letztlich </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde durch Rasperia am 15. Juli 2025 mit ihrem dritten Vollstreckungsantrag ein Betrag von circa RUB 36,7 Millionen (dies </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entspricht circa \u20ac 400.000), der dem noch ausstehenden Zinsenbetrag entspricht, von einem CBR-Korrespondenzkonto der AO </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank durch die CBR zugunsten von Rasperia abgezogen bzw. gepf\u00e4ndet.</span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der RBI-Konzern ist auch weiterhin davon \u00fcberzeugt, dass die gerichtliche Geltendmachung der Schadenersatzforderung gegen </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia in \u00d6sterreich und deren Vollstreckung in die \u00f6sterreichischen Verm\u00f6genswerte von Rasperia auf einer starken </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtlichen Grundlage stehen. Die gerichtliche Geltendmachung des Schadenersatzanspruches gegen Rasperia kann dabei in </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">voller \u00dcbereinstimmung mit dem EU-Sanktionsrecht erfolgen, um Sch\u00e4den zu mindern, indem sie die Vollstreckung gegen die </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte von Rasperia in \u00d6sterreich anstrebt. Die rechtlichen Grundlagen f\u00fcr eine solche Klage sind unter anderem in <span class=\"f ps24\"> </span></span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den EU-Sanktionen (Artikel 11a der Verordnung (EU) Nr. 269/2014 und Artikel 11b der Verordnung (EU) Nr. 833/2014) verankert, die </span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">speziell auf F\u00e4lle wie eine solche Klage gegen Rasperia abzielen. Dementsprechend wird ein positives Ergebnis einer solchen </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klage unver\u00e4ndert als sehr wahrscheinlich angesehen. </span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 12. August 2025 wurde der AO Raiffeisenbank eine weitere Klage von Rasperia gegen STRABAG und die STRABAG-Aktion\u00e4re </span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie die AO Raiffeisenbank zugestellt, die beim Schiedsgericht der Region Kaliningrad eingereicht worden war. Rasperia </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verlangt von STRABAG und den STRABAG-Aktion\u00e4ren den Rubel-Gegenwert von circa \u20ac 339 Millionen, der unter anderem </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadenersatz f\u00fcr den Nichterhalt der finanziellen Entsch\u00e4digung im Zusammenhang mit der im Jahr 2024 durchgef\u00fchrten </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Herabsetzung des genehmigten Kapitals von STRABAG sowie f\u00fcr nicht ausgezahlte Dividenden von STRABAG f\u00fcr 2024 und </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen auf diese Betr\u00e4ge umfasst, die bis zum Tag der vollst\u00e4ndigen Zahlung weiter anfallen werden. Rasperia hat AO </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank auch in diese Klage aufgenommen, um die vollst\u00e4ndige Vollstreckung des Urteils in die Verm\u00f6genswerte der AO </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank in Russland sicherzustellen. Die RBI AG ist an diesem Verfahren nicht beteiligt. Das Schiedsgericht der Region </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaliningrad hat die Hauptverhandlung f\u00fcr den 20. November 2025 anberaumt. Am 18. Dezember 2025 hat das Schiedsgericht </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Region Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass STRABAG und die STRABAG-Aktion\u00e4re verpflichtet sind, an </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia \u20ac 339 Millionen zu zahlen, und dass das Urteil in die Verm\u00f6genswerte von AO Raiffeisenbank vollstreckt werden kann. </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AO Raiffeisenbank hat gegen dieses Urteil Berufung mit aufschiebender Wirkung eingelegt. AO Raiffeisenbank hat im Dezember </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebucht.</span></div><div class=\"ps2440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Antrag auf Erlassung einer Unterlassungsverf\u00fcgung (Anti-Suit-Injunction)</span></div><div class=\"ps27624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 9. Juni 2025 hat Rasperia einen Antrag auf Erlass einer Unterlassungsverf\u00fcgung (Anti-Suit Injunction; ASI) beim russischen </span></div><div class=\"ps27625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht der Region Kaliningrad eingereicht, der sich gegen die STRABAG-Aktion\u00e4re und die AO Raiffeisenbank richtet. Laut dem </span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ASI-Antrag beantragt Rasperia (A) die Fortsetzung des in Amsterdam eingeleiteten Schiedsverfahrens der STRABAG- Aktion\u00e4re </span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen Rasperia (Amsterdam Arbitration) und (B) die Einreichung von Schadenersatzklagen vor ausl\u00e4ndischen Gerichten, die sich </span></div><div class=\"ps2446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf das Kaliningrader Verfahren beziehen, das zum russischen Urteil vom 20. J\u00e4nner 2025 f\u00fchrte, zu untersagen. Rasperia </span></div><div class=\"ps2447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beantragt die gerichtliche Strafe in H\u00f6he des RUB-\u00c4quivalents von \u20ac 1,09 Milliarden gegen die AO Raiffeisenbank zu </span></div><div class=\"ps2448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollstrecken, f\u00fcr den Fall, dass einer ASI in Bezug auf das Amsterdam Arbitration nicht entsprochen wird (siehe Punkt (A) oben) </span></div><div class=\"ps2449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und in diesem Zusammenhang behauptet, dass die AO Raiffeisenbank von einem der STRABAG-Aktion\u00e4re kontrolliert wird. Am </span></div><div class=\"ps2450 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2. Juli 2025 erg\u00e4nzte Rasperia ihren ASI-Antrag, um die RBI als Beklagte aufzunehmen, und strebt an, der RBI zu untersagen, </span></div><div class=\"ps2451 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausl\u00e4ndische Verfahren wegen Schadenersatzforderungen im Zusammenhang mit den Kaliningrader Verfahren einzuleiten </span></div><div class=\"ps2452 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(siehe Punkt (B) oben). Im Juli und September 2025 haben alle STRABAG-Aktion\u00e4re das Amsterdamer Schiedsverfahren </span></div><div class=\"ps2453 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingestellt und ihre Anspr\u00fcche unwiderruflich zur\u00fcckgezogen. Im Gegenzug und zur Vorbereitung auf die m\u00fcndliche </span></div><div class=\"ps2454 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhandlung am 13. Oktober 2025 zog Rasperia ihren ASI-Antrag im Zusammenhang mit dem Amsterdamer Schiedsverfahren </span></div><div class=\"ps2455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und der gerichtlichen Strafe von \u20ac 1,09 Milliarden Euro zur\u00fcck (siehe Punkt (A) oben). Das Schiedsgericht der Region Kaliningrad </span></div><div class=\"ps2456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat den n\u00e4chsten Verhandlungstermin \u00fcber Rasperias verbleibenden (i.e. zweiten) ASI-Antrag (siehe Punkt (B) oben) am 25. </span></div><div class=\"ps27627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Februar 2026 anberaumt.</span></div><div class=\"ps2458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Bewertung rechtlicher Risiken</span></div><div class=\"ps27628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein positives Urteil im \u00f6sterreichischen Zivilverfahren w\u00fcrde wiederum die Vollstreckung gegen Rasperias STRABAG-Aktien </span></div><div class=\"ps27629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie gegen alle damit verbundenen Dividenden oder Zahlungen im Zusammenhang mit Kapitalma\u00dfnahmen erm\u00f6glichen, die </span></div><div class=\"ps27630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund von Sanktionen zur\u00fcckgehalten wurden. Die Erfolgsaussichten in den Verwaltungsverfahren zur Aufhebung der </span></div><div class=\"ps27631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionierung von Rasperias Verm\u00f6genswerten sowie in der gerichtlichen Vollstreckung gegen Rasperias STRABAG Aktien, </span></div><div class=\"ps27632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich zur\u00fcckgehaltener Zahlungen im Zusammenhang mit Kapitalma\u00dfnahmen, werden als sehr wahrscheinlich </span></div><div class=\"ps27633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angesehen.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Obwohl Rechtsstreitigkeiten immer Risiken bergen, wurden in der externen rechtlichen Beurteilung keine wesentlichen </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hindernisse festgestellt, warum die RBI nicht erfolgreich sein sollte. Verbleibende Unsicherheiten im Zusammenhang mit einer in </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich gegen Rasperia eingeleiteten Klage k\u00f6nnten Folgendes umfassen:</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ungetestetes EU-Sanktionsrecht: Der relevante EU-Sanktionsrahmen ist praktisch ungetestet.</span></div><div class=\"ps12402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Verj\u00e4hrung von Dividenden: Es gibt keine Rechtsprechung zu den rechtlichen Konsequenzen der in den Statuten von </span></div><div class=\"ps12403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">STRABAG festgelegten Verj\u00e4hrungsfrist f\u00fcr Dividenden.</span></div><div class=\"ps5828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Aufhebung der Sperre von Rasperias Verm\u00f6genswerten: Im Kontext des EU-Sanktionsrechts bleibt ein geringes Ma\u00df </span></div><div class=\"ps5829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">an rechtlicher Unsicherheit bestehen, weil eine Beh\u00f6rde argumentieren k\u00f6nnte, dass sie keine positive Entscheidung </span></div><div class=\"ps18901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">treffen sollte, selbst wenn die Anforderungen erf\u00fcllt sind. Dieses Risiko wird jedoch als sehr gering eingesch\u00e4tzt.</span></div><div class=\"ps18985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter dem Gesichtspunkt der US-Sanktionen ist zu beachten, dass die Vereinigten Staaten zwei Hauptkategorien von </span></div><div class=\"ps27634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen haben: \u201ePrim\u00e4re Sanktionen\u201c und \u201eSekund\u00e4re Sanktionen\u201d. Prim\u00e4re Sanktionen betreffen Aktivit\u00e4ten mit US-Bezug, </span></div><div class=\"ps18904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich US-Personen oder Verbindungen zu US-Territorium, und k\u00f6nnen OFAC-Lizenzen f\u00fcr ansonsten verbotene </span></div><div class=\"ps18905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionen erfordern. Sekund\u00e4re Sanktionen richten sich gegen Nicht-US-amerikanische Personen und Unternehmen, die </span></div><div class=\"ps18906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte Aktivit\u00e4ten mit sanktionierten Parteien durchf\u00fchren. Sie zielen darauf ab, ein solches Verhalten zu unterbinden, ohne </span></div><div class=\"ps18907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass ein US-Bezug erforderlich ist, und k\u00f6nnen zu verschiedenen Sanktionen f\u00fchren. Da kein US-Bezug besteht, w\u00fcrde es keine </span></div><div class=\"ps18908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prim\u00e4ren Sanktionen f\u00fcr das Urteil in Russland oder die potenzielle Klage gegen Rasperia in \u00d6sterreich geben. Sekund\u00e4re </span></div><div class=\"ps18909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen sind hingegen zu ber\u00fccksichtigen, da Rasperia den US-Sanktionen unterliegt. Wie bisher informiert die RBI AG das </span></div><div class=\"ps18910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">OFAC und das US-Finanzministerium weiterhin transparent \u00fcber wesentliche Entwicklungen sowohl im russischen </span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsverfahren als auch im Regressverfahren in \u00d6sterreich. Dementsprechend wird das potentielle US-Sanktionsrisiko f\u00fcr die </span></div><div class=\"ps27635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG und die AO Raiffeisenbank, das sich aus dem russischen Urteil gegen die AO Raiffeisenbank und aus potenziellen </span></div><div class=\"ps27636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regressklagen der RBI AG/AO Raiffeisenbank in \u00d6sterreich, aber auch f\u00fcr etwaige K\u00e4ufer und involvierte Parteien im Rahmen </span></div><div class=\"ps27637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Exekution des Verm\u00f6gens eines sanktionierten Unternehmens, ergibt, als gering eingesch\u00e4tzt.</span></div><div class=\"ps4205 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Informationen zur Rechnungslegungsmethode und wesentliche bilanzielle Ermessensspielr\u00e4ume</span></div><div class=\"ps27638 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund ge\u00e4nderter Umst\u00e4nde im Zusammenhang mit der Beantragung einer Unterlassungsverf\u00fcgung durch die Rasperia hat </span></div><div class=\"ps27639 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich die Einsch\u00e4tzung des Managements hinsichtlich des erwarteten Mittelzuflusses aus der Vollstreckung der Anspr\u00fcche </span></div><div class=\"ps27640 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber Rasperia ge\u00e4ndert. Die ge\u00e4nderte Einsch\u00e4tzung zum 30. Juni 2025 ber\u00fccksichtigt die Einbeziehung der RBI in den </span></div><div class=\"ps27641 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Antrag von Rasperia auf die oben genannte Unterlassungsverf\u00fcgung (Anti-Suit-Injunction) und der damit verbundenen Risiken </span></div><div class=\"ps27642 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines Verm\u00f6gensabflusses im RBI-Konzern, die Chancen, diese abzuwenden, und die daraus resultierende Verz\u00f6gerung bei der </span></div><div class=\"ps27643 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einreichung der Klage der RBI gegen Rasperia in \u00d6sterreich. Daher kam das Management zu dem Schluss, dass die Kriterien, um </span></div><div class=\"ps27644 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesen Verm\u00f6genswert zu bilanzieren, nach IFRS nicht mehr gegeben waren. </span></div><div class=\"ps2484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 18. Dezember 2025 hat das Schiedsgericht der Region Kaliningrad sein Urteil verk\u00fcndet und entschieden, dass STRABAG und </span></div><div class=\"ps2485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die STRABAG-Aktion\u00e4re verpflichtet sind, an Rasperia \u20ac 339 Millionen zu zahlen, und dass das Urteil gegen die Verm\u00f6genswerte </span></div><div class=\"ps27645 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von AO Raiffeisenbank vollstreckt werden kann. AO Raiffeisenbank hat gegen dieses Urteil Berufung mit aufschiebender </span></div><div class=\"ps27646 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirkung eingelegt. AO Raiffeisenbank hat im Dezember 2025 eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen gebucht.</span></div><div class=\"ps27647 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Finanzielle Auswirkungen</span></div><div class=\"ps27648 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 wurde der der Rasperia zugesprochene Schadenersatz in H\u00f6he von \u20ac 2.109 Millionen (inklusive Zinsen) </span></div><div class=\"ps27649 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Korrespondenzkonto der AO Raiffeisenbank durch die russische Zentralbank abgezogen bzw. gepf\u00e4ndet und die daf\u00fcr zum </span></div><div class=\"ps27650 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresende 2024 gebildete R\u00fcckstellung in H\u00f6he von \u20ac 840 Millionen verbraucht. Aufgrund der ge\u00e4nderten Einsch\u00e4tzung des </span></div><div class=\"ps27651 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Managements wurden die erwarteten Erl\u00f6se aus der Vollstreckung von Anspr\u00fcchen in die \u00f6sterreichischen Verm\u00f6genswerte </span></div><div class=\"ps27652 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Rasperia in H\u00f6he von \u20ac 1.204 Millionen im Juni 2025 ausgebucht. Trotz der ge\u00e4nderten Bilanzierung bleibt die rechtliche </span></div><div class=\"ps27653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beurteilung der Schadenersatzforderung der RBI unver\u00e4ndert. Das Management ist weiterhin davon \u00fcberzeugt, dass die </span></div><div class=\"ps27654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadenersatzforderung gegen Rasperia in \u00d6sterreich und deren Vollstreckung in die \u00f6sterreichischen Verm\u00f6genswerte von </span></div><div class=\"ps27655 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia auf einer starken rechtlichen Grundlage stehen.</span></div><div class=\"ps27656 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr den von Rasperia, von STRABAG und den STRABAG-Aktion\u00e4ren eingeforderten Schadenersatz f\u00fcr den Nichterhalt der </span></div><div class=\"ps27657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Entsch\u00e4digung im Zusammenhang mit der im Jahr 2024 durchgef\u00fchrten Kapitalherabsetzung sowie f\u00fcr nicht </span></div><div class=\"ps27658 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezahlte Dividenden und die darauf bis zur vollst\u00e4ndigen Zahlung anfallenden Zinsen, wurde eine R\u00fcckstellung in H\u00f6he von </span></div><div class=\"ps27659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 339 Millionen gebildet.</span></div><div class=\"ps27660 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Einstweilige Verf\u00fcgung (Tempor\u00e4res \u00dcbertragungsverbot)</span></div><div class=\"ps3553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zusammenhang mit dem oben genannten Gerichtsverfahren von Rasperia gegen, unter anderem, die AO Raiffeisenbank </span></div><div class=\"ps3554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hatte ein russisches Gericht am 5. September 2024 eine einstweilige Verf\u00fcgung erlassen, mit der Aktien an der AO </span></div><div class=\"ps3555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank mit sofortiger Wirkung einem tempor\u00e4ren \u00dcbertragungsverbot unterlagen. Das \u00dcbertragungsverbot zielte </span></div><div class=\"ps3556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darauf ab den Status quo, bis zur Kl\u00e4rung der Anspr\u00fcche von Rasperia, aufrecht zu erhalten. Aufgrund dieser </span></div><div class=\"ps3557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsentscheidung konnte die RBI ihre Anteile an der AO Raiffeisenbank nicht \u00fcbertragen, was die Bem\u00fchungen der RBI, eine </span></div><div class=\"ps3558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mehrheitsbeteiligung an der AO Raiffeisenbank zu verkaufen, erschwerte. Da der Antrag der AO Raiffeisenbank auf Aufhebung </span></div><div class=\"ps27661 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der einstweiligen Verf\u00fcgung abgelehnt wurde, legte die AO Raiffeisenbank am 27. September 2024 ein Rechtsmittel beim </span></div><div class=\"ps27662 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zust\u00e4ndigen Berufungsschiedsgericht in St. Petersburg ein. Am 5. Dezember 2024 best\u00e4tigte das Berufungsschiedsgericht die </span></div><div class=\"ps27663 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einstweilige Verf\u00fcgung. Die AO Raiffeisenbank legte im J\u00e4nner 2025 Berufung beim Kassationsgericht in St. Petersburg ein, die </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am 24. M\u00e4rz 2025 abgewiesen wurde. Es wurde erwartet, dass die Verf\u00fcgungsbeschr\u00e4nkung \u00fcber die Aktien der AO </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank, die zur Sicherung der Zahlung von Schadenersatz an Rasperia auferlegt worden war, nach Zahlung des </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollst\u00e4ndigen Schadenersatzbetrages inklusive Zinsen, wie vom russischen Gericht der Region Kaliningrad der Rasperia </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugesprochen, aufgehoben wird. In Folge des Abzugs des gesamten Betrags der Schadenersatzforderung einschlie\u00dflich der </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsen, die Rasperia durch das russische Urteil vom 20. J\u00e4nner 2025 zugesprochen wurden, hat die AO Raiffeisenbank am 23. Juli </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 einen Antrag beim zust\u00e4ndigen russischen Gericht auf Aufhebung des tempor\u00e4ren \u00dcbertragungsverbots gestellt. In der </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsverhandlung am 4. August 2025 gab das Kassationsgericht in St. Petersburg dem Antrag der AO Raiffeisenbank auf </span></div><span class=\"f charStyle-9eccfdcb ps17\">Aufhebung der einstweiligen Verf\u00fcgung statt und hob das \u00dcbertragungsverbot f\u00fcr die Aktien an der AO Raiffeisenbank auf.</span><div class=\"ps27665 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Konsumentenschutz<span id=\"i49c2511f969148488ddf2d13bb066d9a\"></span></span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist mit Klagen von Kund:innen in Zusammenhang mit Themen des Konsumentenschutzes konfrontiert. Die meisten </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen betreffen Vertragsbedingungen, die vermeintlich den Konsumentenschutz oder andere Gesetze verletzen. Das </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtliche Risiko in Verbindung mit diesen Forderungen wird durch die Gefahr von politisch motivierten Gesetzen, welche den </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grad der Unvorhersehbarkeit steigern, erh\u00f6ht.</span></div><div class=\"ps27666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Kroatien<span id=\"id5d24f691af44f95a343e27d5836700e\"></span></span></div><div class=\"ps17016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Kroatien wurden in einem von einer Konsumentenschutzorganisation gegen die Raiffeisenbank Austria, d.d., Zagreb (RBHR) </span></div><div class=\"ps27667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und andere kroatische Banken angestrengten Verfahren zwei Klauseln f\u00fcr nichtig befunden, die in den Jahren zwischen </span></div><div class=\"ps27668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2003/2004 und 2008 in Kreditvertr\u00e4gen mit Konsumenten verwendet wurden. Dabei handelt es sich um eine Zinsanpassungs- </span></div><div class=\"ps27669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und eine CHF-Index-Klausel. Gegen den Entscheid \u00fcber die Zinsanpassungsklausel kann kein Rechtsmittel mehr eingelegt </span></div><div class=\"ps27670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Das Urteil, wonach die CHF-Index-Klauseln unwirksam sind, wurde vom Obersten Gerichtshof des Landes und vom </span></div><div class=\"ps27671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kroatischen Verfassungsgericht best\u00e4tigt. RBHR pr\u00fcft die M\u00f6glichkeit, diese Entscheidung anzufechten und reichte im August </span></div><div class=\"ps27672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2021 einen Antrag beim Europ\u00e4ischen Gerichtshof f\u00fcr Menschenrechte ein. Die Vergabe von CHF-indexierten Darlehen, die nach </span></div><div class=\"ps27673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem kroatischen Umwandlungsgesetz in Euro-indexierte Darlehen konvertiert wurden, war vor dem Gerichtshof der </span></div><div class=\"ps27674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Europ\u00e4ischen Union (EuGH) zur Vorabentscheidung anh\u00e4ngig. Im Mai 2022 ver\u00f6ffentlichte der EuGH eine Vorabentscheidung, </span></div><div class=\"ps27675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber gab, wie auch der kroatische Oberste Gerichtshof in einem Musterverfahren keine Antwort darauf, ob Konsumenten von </span></div><div class=\"ps27676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bereits konvertierten Darlehen einen Anspruch auf zus\u00e4tzliche Entsch\u00e4digungen haben (neben den positiven Effekten, die sich </span></div><div class=\"ps27677 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus der Konvertierung gem\u00e4\u00df den Bestimmungen des kroatischen Konsumentenschutzgesetzes 2015 ergaben). Daher bleibt die <span class=\"f ps24\"> </span></span></div><div class=\"ps27678 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Frage, ob Konsumenten Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung (ungeachtet der Konvertierung) haben, Sache der </span></div><div class=\"ps27679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">innerstaatlichen Gerichte, in erster Linie des kroatischen Obersten Gerichtshofs. Auf Grundlage der bereits zur Unwirksamkeit </span></div><div class=\"ps27680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Zinsanpassungs- und/oder der CHF-Index-Klausel ergangenen Entscheidungen haben Kreditnehmer jedoch bereits jetzt </span></div><div class=\"ps27681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspr\u00fcche gegen die RBHR geltend gemacht. In seiner Sitzung im Dezember 2022 vertrat der kroatische Oberste Gerichtshof die </span></div><div class=\"ps27682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auffassung, dass sich der Anspruch der Verbraucher auf eine zus\u00e4tzliche Entsch\u00e4digung nur auf einen Betrag in H\u00f6he der </span></div><div class=\"ps27683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verzugszinsen auf die bis zur Konvertierung der CHF-indexierten Darlehen in EUR-indexierte Darlehen im Jahr 2015 allf\u00e4llig </span></div><div class=\"ps27684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleisteten \u00dcberzahlungen beschr\u00e4nkt. Im April 2023 teilte der Pr\u00e4sident des Obersten Gerichtshofs der \u00d6ffentlichkeit jedoch </span></div><div class=\"ps27685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit, dass die vertretene Rechtsansicht die Kontrolle durch den Registrar f\u00fcr die Rechtsprechung des Obersten Gerichtshofs </span></div><div class=\"ps27686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht bestanden habe. Der Registrar f\u00fcr die Rechtsprechung des Obersten Gerichtshofs ist befugt, eine Entscheidung </span></div><div class=\"ps27687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">r\u00fcckg\u00e4ngig zu machen, wenn er der Ansicht ist, dass sie nicht dem Gesetz entspricht. Inzwischen (Juli 2024) hat der EuGH in den </span></div><div class=\"ps27688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Rechtssachen C-554/21, C-622/21 und C-727/21 entschieden, dass eine solche Rechtspraxis (dass ein Richter/</span></div><div class=\"ps27689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Registrar f\u00fcr die Rechtsprechung, der nicht am Entscheidungsprozess beteiligt war, eine endg\u00fcltige Entscheidung eines </span></div><div class=\"ps27690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Richters oder Rates des Obersten Gerichtshofs stoppen kann) gegen EU-Recht verst\u00f6\u00dft. Die Harmonisierung des EuGH-</span></div><div class=\"ps27691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteils mit der Rechtsprechung des Obersten Gerichtshofs steht noch aus. Die Frage, ob Verbraucher aus konvertierten CHF-</span></div><div class=\"ps27692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">indexierten Krediten Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung haben, ist noch nicht gekl\u00e4rt. Eine m\u00f6gliche L\u00f6sung (ob </span></div><div class=\"ps27693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucher Anspruch auf eine zus\u00e4tzliche Entsch\u00e4digung haben oder nicht) wird voraussichtlich in den Einzelentscheidungen </span></div><div class=\"ps27694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des kroatischen Obersten Gerichtshofs enthalten sein. Nur derartige Einzelentscheidungen k\u00f6nnen vor dem </span></div><div class=\"ps27695 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfassungsgerichtshof angefochten werden. Angesichts der gegenw\u00e4rtigen rechtlichen Unw\u00e4gbarkeiten hinsichtlich der </span></div><div class=\"ps27696 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verj\u00e4hrung, der Wirksamkeit der CHF-Index-Klausel/erfolgten Konvertierung, der Berechnung der zus\u00e4tzlichen Entsch\u00e4digungen, </span></div><div class=\"ps27697 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der weiteren Vorgehensweise, des Ergebnisses des Vorabentscheidungsersuchens und der Anzahl der Kreditnehmer, die diese </span></div><div class=\"ps27698 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspr\u00fcche geltend machen, lassen sich die finanziellen Auswirkungen und der m\u00f6gliche Schaden zum gegenw\u00e4rtigen Zeitpunkt </span></div><div class=\"ps27699 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht endg\u00fcltig beziffern. In diesem Zusammenhang wurde eine R\u00fcckstellung in H\u00f6he von \u20ac 51 Millionen (Vorjahr: \u20ac 58 Millionen) </span></div><div class=\"ps27700 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt.</span></div><div class=\"ps27701 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Polen<span id=\"ib2a55f4d7e264acf9b4d3690dd70ea55\"></span></span></div><div class=\"ps27702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Polen ist eine erhebliche Anzahl zivilrechtlicher Klagen hinsichtlich bestimmter vertraglicher Regelungen im Zusammenhang </span></div><div class=\"ps27703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit Hypothekarkrediten an Konsumenten, die in Fremdw\u00e4hrungen denominiert oder an eine Fremdw\u00e4hrung gekoppelt sind, </span></div><div class=\"ps27704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anh\u00e4ngig. Zum 31. Dezember 2025 lag der Gesamtstreitwert dieser Verfahren bei rund PLN 8.926 Millionen (\u20ac 2.115 Millionen). Die </span></div><div class=\"ps27705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anzahl derartiger Klagen steigt weiter an.</span></div><div class=\"ps19368 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang hat sich ein polnisches Gericht an den Gerichtshof der europ\u00e4ischen Union (EuGH) gewandt, um <span class=\"f ps24\"> </span></span></div><div class=\"ps19369 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kl\u00e4ren zu lassen, ob bestimmte Klauseln dieser Vertr\u00e4ge gegen europ\u00e4isches Recht versto\u00dfen und missbr\u00e4uchlich verwendet </span></div><div class=\"ps19370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden. Die im Oktober 2019 dazu in einem Vorabentscheidungsverfahren ergangene Entscheidung des EuGH (C-260/18) gibt </span></div><div class=\"ps27706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Antwort bez\u00fcglich einer g\u00e4nzlichen oder teilweisen Nichtigkeit der Kreditvertr\u00e4ge, sondern lediglich eine </span></div><div class=\"ps27707 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Orientierungshilfe f\u00fcr die Interpretation, nach welchen Grunds\u00e4tzen nationale Gerichte auf Einzelfallbasis zu entscheiden <span class=\"f ps24\"> </span></span></div><div class=\"ps27708 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben. Demnach soll ein Kreditvertrag ohne missbr\u00e4uchliche Klauseln wirksam bleiben, solange dies mit nationalem Recht im </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einklang steht. Sofern der Kreditvertrag allerdings ohne die missbr\u00e4uchliche Klausel nicht mehr aufrechterhalten werden kann, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde der Vertrag insgesamt unwirksam. Sollte die Unwirksamkeit des gesamten Kreditvertrags mit wesentlichen negativen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsequenzen f\u00fcr den Kreditnehmer verbunden sein, so kann die missbr\u00e4uchliche Klausel von polnischen Gerichten im Einklang </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit nationalem Recht durch eine wirksame Klausel ersetzt werden. Die Konsequenzen einer Unwirksamkeit des Vertrags </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssen sorgf\u00e4ltig untersucht werden, sodass der Kreditnehmer alle potenziell negativen Folgen einer Unwirksamkeit bedenken </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann. </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einem anderen Verfahren, in dem die RBI involviert ist, ersuchte das Bezirksgericht Warszawa-Wola in Warschau den EuGH </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um Vorabentscheidung \u00fcber die Ausgestaltung der vertraglichen Regelungen zur Bestimmung der An- und Verkaufskurse f\u00fcr </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Fremdw\u00e4hrung im Falle von Hypothekardarlehen f\u00fcr Verbraucher, die an eine Fremdw\u00e4hrung indexiert sind. In der </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung vom 18. November 2021 in der Rechtssache C-212/20 vertrat der EuGH die Auffassung, dass der Inhalt einer </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klausel eines Darlehensvertrags, die die Ankaufs- und Verkaufskurse einer Fremdw\u00e4hrung festlegt, an die das Darlehen </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gebunden ist, einem einigerma\u00dfen gut informierten und aufmerksamen Verbraucher auf der Grundlage klarer und </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verst\u00e4ndlicher Kriterien erm\u00f6glichen muss, zu verstehen, wie der Wechselkurs der Fremdw\u00e4hrung festgelegt wird, der zur </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der H\u00f6he der R\u00fcckzahlungsraten verwendet wird. Aufgrund der in einer solchen Bestimmung angegebenen </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Information soll der Verbraucher in der Lage sein, jederzeit den vom Unternehmen angewendeten Wechselkurs selbst zu </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermitteln. In der Begr\u00fcndung f\u00fchrte der EuGH aus, dass eine Bestimmung, die es dem Verbraucher nicht erm\u00f6glicht, den </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wechselkurs selbst zu bestimmen, missbr\u00e4uchlich ist. Dar\u00fcber hinaus wies der EuGH darauf hin, dass das nationale Gericht, </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die betreffende Klausel eines Verbrauchervertrags missbr\u00e4uchlich ist, diese Klausel nicht auslegen darf, um ihre </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Missbr\u00e4uchlichkeit zu beheben, selbst wenn diese Auslegung dem gemeinsamen Willen der Vertragsparteien entspricht. Nur </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die Ung\u00fcltigkeit der missbr\u00e4uchlichen Klausel das nationale Gericht zur Aufhebung des gesamten Vertrags verpflichten </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde, wodurch der Verbraucher besonders nachteiligen Folgen ausgesetzt w\u00e4re und damit bestraft w\u00fcrde, k\u00f6nnte das </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationale Gericht diese Klausel durch eine erg\u00e4nzende Bestimmung des nationalen Rechts ersetzen. Der EuGH hat es daher </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht vollst\u00e4ndig ausgeschlossen, dass nationale Gerichte in solchen F\u00e4llen den Vertrag durch erg\u00e4nzende Vorschriften des </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationalen Rechts erg\u00e4nzen k\u00f6nnen, aber L\u00fccken d\u00fcrfen nicht allein durch nationale Vorschriften allgemeiner Natur gef\u00fcllt </span></div><div class=\"ps27711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, und ein solches Hilfsmittel darf nur in streng eingeschr\u00e4nkten F\u00e4llen, wie vom EuGH angegeben, angewendet werden. </span></div><div class=\"ps27712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der Missbr\u00e4uchlichkeit von Vertragsbestimmungen sowie die Entscheidung \u00fcber die Vertragserg\u00e4nzung nach </span></div><div class=\"ps27713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beseitigung missbr\u00e4uchlicher Vertragsklauseln fallen jedoch weiterhin in die Zust\u00e4ndigkeit des nationalen Gerichts. Der EuGH </span></div><div class=\"ps27714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat in keiner Weise entschieden, ob infolge der vorgenannten Aktionen der gesamte Fremdw\u00e4hrungsvertrag nichtig erkl\u00e4rt </span></div><div class=\"ps27715 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden soll.</span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 15. Juni 2023 gab der EuGH sein Urteil in der Rechtssache C-520/21 zu den Folgen der Nichtigerkl\u00e4rung eines missbr\u00e4uchliche </span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln enthaltenden Hypothekendarlehensvertrags bekannt. Der an den CHF gekoppelte Hypothekendarlehensvertrag war </span></div><div class=\"ps27718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit der Begr\u00fcndung f\u00fcr nichtig erkl\u00e4rt worden, dass die Umrechnungsklauseln zur Bestimmung des Wechselkurses in PLN f\u00fcr </span></div><div class=\"ps27719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwecke der monatlichen Raten missbr\u00e4uchlich seien und dass der Darlehensvertrag nach Aufhebung der missbr\u00e4uchlichen </span></div><div class=\"ps27720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln nicht fortbestehen k\u00f6nne. Der EuGH stellte fest, dass das EU-Recht nicht ausdr\u00fccklich die Folgen der Nichtigerkl\u00e4rung </span></div><div class=\"ps27721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines Verbrauchervertrags regelt. Die Bestimmung dieser Folgen obliegt der nationalen Gesetzgebung in den einzelnen EU- </span></div><div class=\"ps27722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedstaaten. Diese nationalen Rechtsvorschriften m\u00fcssen mit dem EU-Recht und den damit verfolgten Zielen vereinbar sein, </span></div><div class=\"ps27723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere im Hinblick darauf, dass die Lage des Verbrauchers, in der er sich ohne den f\u00fcr nichtig erkl\u00e4rten Vertrag befunden </span></div><div class=\"ps27724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte, wiederhergestellt wird und dass der vom EU-Recht angestrebte Abschreckungseffekt nicht gef\u00e4hrdet wird. Nach den </span></div><div class=\"ps27725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausf\u00fchrungen des EuGH steht EU-Recht dem nicht entgegen, dass die Verbraucher von der Bank einen Ausgleich verlangen </span></div><div class=\"ps27726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">d\u00fcrfen, der \u00fcber die Erstattung der gezahlten monatlichen Raten und der zur Erf\u00fcllung des Hypothekendarlehensvertrags </span></div><div class=\"ps27727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezahlten Kosten sowie die Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem Zeitpunkt der Zahlungsaufforderung </span></div><div class=\"ps27728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinausgeht. Allerdings ist es Sache der nationalen Gerichte zu beurteilen, ob der Grundsatz der Verh\u00e4ltnism\u00e4\u00dfigkeit gewahrt </span></div><div class=\"ps27729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, wenn solchen Forderungen des Verbrauchers stattgegeben wird. Im Gegensatz dazu steht EU-Recht dem entgegen, dass </span></div><div class=\"ps27730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Bank von dem Verbraucher einen Ausgleich verlangen darf, der \u00fcber die Erstattung des zur Erf\u00fcllung des </span></div><div class=\"ps27731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags gezahlten Kapitals sowie der Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem </span></div><div class=\"ps27732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt der Zahlungsaufforderung hinausgeht.</span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Konkretisierungen zu den Folgen der Nichtigerkl\u00e4rung eines mit missbr\u00e4uchlichen Klauseln behafteten Verbraucher-</span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags hat der EuGH in seinen Urteilen in den Rechtssachen C-756/22 vom 11. Dezember 2023 und </span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">C-488/23 vom 12. Januar 2024 und C-424/22 vom 8. Mai 2024 vorgenommen. An keinem dieser Verfahren war die RBI direkt </span></div><div class=\"ps27733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beteiligt. In allen drei F\u00e4llen vertrat der EuGH die Auffassung, dass sich die von den vorlegenden Gerichten geforderte </span></div><div class=\"ps27734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegung des EU-Rechts eindeutig aus den fr\u00fcheren Urteilen, insbesondere aus dem im obigen Absatz ausf\u00fchrlich </span></div><div class=\"ps27735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschriebenen Urteil des EuGH in der Rechtssache C-520/21 vom 15. Juni 2023 ableiten l\u00e4sst. In der Rechtssache C-756/22 stellte </span></div><div class=\"ps27736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der EuGH fest, dass die Bank nicht berechtigt ist, von einem Verbraucher die Zahlung von Betr\u00e4gen zu verlangen, die \u00fcber das in </span></div><div class=\"ps27737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erf\u00fcllung des Darlehensvertrags gezahlte Kapital und die gesetzlichen Verzugszinsen ab dem Zeitpunkt der </span></div><div class=\"ps27738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsaufforderung hinausgehen, wenn ein Darlehensvertrag mit der Begr\u00fcndung nichtig erkl\u00e4rt wird, dass er </span></div><div class=\"ps27739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt, ohne die er nicht weiter fortbestehen kann. In der Rechtssache C-488/23 stellte der EuGH </span></div><div class=\"ps27740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fest, dass EU-Recht dem entgegensteht, dass Banken von einem Verbraucher \u2013 zus\u00e4tzlich zur Erstattung der zur </span></div><div class=\"ps27741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragserf\u00fcllung gezahlten Kapitalbetr\u00e4ge und der gesetzlichen Verzugszinsen ab dem Zeitpunkt der Zahlungsaufforderung \u2013 </span></div><div class=\"ps27742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen Ausgleich verlangen, der in einer gerichtlichen Anpassung der dem gezahlten Kapitalbetrag entsprechenden Leistung im </span></div><div class=\"ps27743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Falle einer wesentlichen \u00c4nderung der Kaufkraft der betreffenden W\u00e4hrung nach der Zahlung dieses Kapitals an den </span></div><div class=\"ps27744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betreffenden Verbraucher besteht. In der Rechtssache C-424/22 vom 8. Mai 2024 stellte der EuGH fest, dass die Bank nicht </span></div><div class=\"ps27745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechtigt ist ein Zur\u00fcckbehaltungsrecht geltend zu machen, wenn ein Kreditvertrag mit der Begr\u00fcndung nichtig wird, dass er </span></div><div class=\"ps27746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt und die Bank daher zu R\u00fcckzahlungen an einen Verbraucher verpflichtet ist. Dies bedeutet, </span></div><div class=\"ps27747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass die Bank eine derartige Zahlung nicht zur\u00fcckhalten darf, bis der Schuldner alle Betr\u00e4ge zur\u00fcckgezahlt hat, die er im </span></div><div class=\"ps27748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kreditvertrags von der Bank erhalten hat. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wie sich die zuvor genannten EuGH-Urteile auf die Entscheidungen polnischer Gerichte in einzelnen zivilrechtlichen Verfahren </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auswirken, kann aufgrund der Komplexit\u00e4t und Unterschiedlichkeit von fallspezifischen Faktoren und m\u00f6glicherweise </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlichen Zusammenh\u00e4ngen und rechtlichen Feinheiten nicht abschlie\u00dfend eingesch\u00e4tzt werden.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 25. April 2024 verabschiedete die gesamte Zivilkammer des polnischen Obersten Gerichts (das OG) einen Beschluss zu </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtlichen Fragen im Zusammenhang mit Darlehen, die an eine Fremdw\u00e4hrung gekoppelt oder in Fremdw\u00e4hrung denominiert </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Im Einklang mit den Urteilen des EuGH entschied das OG, dass, wenn eine Vertragsklausel, die sich auf einen </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Indexierungsmechanismus bezieht, als rechtswidrig und nicht bindend angesehen wird, sie nicht durch eine andere Methode zur </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung des Wechselkurses ersetzt werden kann, die sich aus gesetzlichen Bestimmungen oder etablierten </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gepflogenheiten ergibt und dass der Darlehensvertrag im verbleibenden Umfang nicht bindend ist. Die Entscheidung dar\u00fcber, </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ob eine Vertragsklausel missbr\u00e4uchlich ist, obliegt dem Gericht, das mit dem Fall des konkreten Darlehensvertrags befasst ist. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist ein Darlehensvertrag aufgrund rechtswidriger Klauseln nicht bindend, haben beide Parteien einen gesonderten Anspruch auf </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung zu Unrecht geleisteter Zahlungen: die Bank auf R\u00fcckzahlung des Kapitals und der Kreditnehmer auf </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung von Zahlungen. Das OG fand keine Rechtfertigung f\u00fcr eine gegenseitige Beilegung der Anspr\u00fcche der Parteien </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch das Gericht w\u00e4hrend der Verhandlung des Falles. Die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank auf R\u00fcckzahlung der im </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kredits gezahlten Betr\u00e4ge beginnt grunds\u00e4tzlich mit dem Tag, der auf den Tag folgt, an dem der Kreditnehmer die </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bindende Wirkung des Kreditvertrags gegen\u00fcber der Bank angefochten hat. Der Beginn der Verj\u00e4hrungsfrist h\u00e4ngt somit vom </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhalten des Verbrauchers ab und sollte daher f\u00fcr jeden Vertrag individuell gepr\u00fcft werden. Mit dieser Entscheidung wurde </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine fr\u00fchere Entscheidung des OG ge\u00e4ndert, die vorsah, dass die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank beginnt, nachdem </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Verbraucher \u00fcber die m\u00f6glichen Folgen einer Ung\u00fcltigkeitserkl\u00e4rung des Kreditvertrags informiert wurde und der </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucher einer solchen Ung\u00fcltigkeitserkl\u00e4rung zustimmt. Das OG schloss au\u00dferdem aus, dass eine Partei Zinsen oder eine </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">andere Verg\u00fctung f\u00fcr die Verwendung ihrer Mittel in der Zeit zwischen der ungerechtfertigten Zahlung und der Verz\u00f6gerung bei </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckerstattung der Zahlung verlangen kann. Obwohl der Beschluss gefasst wurde, um die aufkommenden </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegungsfragen im Zusammenhang mit Streitigkeiten \u00fcber Kredite in Schweizer Franken zu kl\u00e4ren, sind die daraus </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">resultierenden Schlussfolgerungen auch auf Kredite in anderen W\u00e4hrungen, einschlie\u00dflich Kredite in Euro, anwendbar.</span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der obige Beschluss des OG in Verbindung mit dem fr\u00fcheren EuGH-Urteil bedeutet, dass in Polen t\u00e4tige Banken die </span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fremdw\u00e4hrungsportfolien halten, darunter auch RBI, keine zus\u00e4tzliche Verg\u00fctung und/oder Valorisierung im Zusammenhang </span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit derartigen nichtig erkl\u00e4rten Vertr\u00e4gen, wie oben dargelegt, fordern k\u00f6nnen. Banken sollen lediglich die M\u00f6glichkeit haben, </span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung des dem Kunden bei Kreditvergabe bereitgestellten Kapitals einzufordern. Dies ber\u00fchrt nicht die M\u00f6glichkeit, </span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Zahlung von Verzugszinsen zu verlangen, sofern die Voraussetzungen hierf\u00fcr erf\u00fcllt sind. Was die Forderung der Banken auf </span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung des Kapitals betrifft, k\u00f6nnten die im Beschluss des OG enthaltenen Leitlinien und die derzeitige Praxis durch das </span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unten angef\u00fchrte Urteil des EuGH vom 19. Juni 2025 beeinflusst werden.</span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 19. Juni 2025 erlie\u00df der EuGH ein weiteres Urteil in der Rechtssache C-396/24. Darin stellte er fest, dass die Richtlinie 93/13/</span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EWG \u00fcber missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen Banken daran hindert, die vollst\u00e4ndige R\u00fcckzahlung des </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezahlten Nominalbetrags eines f\u00fcr nichtig erkl\u00e4rten Kreditvertrags zu verlangen, ohne vorherige R\u00fcckzahlungen des </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchers zu ber\u00fccksichtigen (Aufrechnungstheorie). Dieses Urteil k\u00f6nnte die aktuelle Rechtsprechung polnischer Gerichte </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen, die gem\u00e4\u00df dem Beschluss des Obersten Gerichtshofs Polens vom 25. April 2024 (wie oben ausf\u00fchrlich beschrieben) </span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Theorie der \u201ezwei Forderungen\u201c anwendet. Danach k\u00f6nnen Banken die vollst\u00e4ndige R\u00fcckzahlung der im Rahmen eines f\u00fcr </span></div><div class=\"ps27754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nichtig erkl\u00e4rten Vertrags gezahlten Betr\u00e4ge verlangen, unabh\u00e4ngig von den geleisteten R\u00fcckzahlungen und dem </span></div><div class=\"ps27755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbleibenden geschuldeten Restbetrag. Diese Theorie diente auch als Grundlage f\u00fcr Banken, die ehemalige Kreditnehmer </span></div><div class=\"ps27756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klagen um die Kapitalr\u00fcckzahlung zu sichern. Dar\u00fcber hinaus verbietet das Urteil die sofortige Vollstreckbarkeit von </span></div><div class=\"ps27757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen zugunsten von Banken, sofern kein angemessener Verbraucherschutz besteht. Die m\u00f6glichen Auswirkungen </span></div><div class=\"ps27758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die polnische Rechtsprechung bleiben ungewiss. M\u00f6gliche Resultate reichen von der Annahme einer Aufrechnungstheorie </span></div><div class=\"ps27759 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bis hin zur Beibehaltung bestehender Rechtsrahmen, da die Interpretation dieses EuGH-Urteils durch die Gerichte </span></div><div class=\"ps27760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlich ausfallen kann.</span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 27. November 2025 erlie\u00df der EuGH ein Urteil in der Rechtssache C-746/24, mit dem nationale verfahrensrechtliche Regeln </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgeschlossen werden, die Verbraucher:innen, die sich gegen von Banken eingeleitete Restitutionsanspr\u00fcche auf Kapital <span class=\"f ps24\"> </span></span></div><div class=\"ps27763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verteidigen, unverh\u00e4ltnism\u00e4\u00dfig h\u00f6here Gerichtskosten auferlegen als jene Kosten, die bei von Verbrauchern selbst gef\u00fchrten </span></div><div class=\"ps27764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen auf Aufhebung des Vertrags entstehen. Es wurde festgestellt, dass eine solche Diskrepanz bei den Rechtskosten die </span></div><div class=\"ps27765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abschreckende Wirkung der Richtlinie 93/13/EWG untergr\u00e4bt und Verbraucher davon abhalten kann, ihre Rechte im Rahmen des </span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schutzes gegen missbr\u00e4uchliche Vertragsbedingungen auszu\u00fcben. Das polnische Zivilprozessrecht sieht eine Begrenzung der </span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6chstbetr\u00e4ge von Gerichtsgeb\u00fchren f\u00fcr von Verbrauchern eingeleitete Klagen im Zusammenhang mit Bankgesch\u00e4ften vor. </span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umgekehrt kann eine Bank, die ein Gerichtsverfahren gegen einen Verbraucher einleitet, nicht von einer solchen </span></div><div class=\"ps27766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorzugsbehandlung profitieren und muss die Gerichtskosten nach allgemeinen Regeln tragen, was f\u00fcr das Finanzinstitut zu </span></div><div class=\"ps27767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deutlich h\u00f6heren anf\u00e4nglichen Kosten f\u00fchrt. Ungeachtet des Urteils des EuGH behalten die polnischen Gerichte die Befugnis, </span></div><div class=\"ps27768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifische nationale Verfahrensvorschriften zur Festlegung der endg\u00fcltigen Kostenverteilung heranzuziehen, wobei es den </span></div><div class=\"ps27769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten gestattet ist, von den allgemeinen Grunds\u00e4tzen der Kostenteilung auf der Grundlage des Billigkeitsgrundsatzes oder </span></div><div class=\"ps27770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des konkreten Verhaltens der Parteien abzuweichen. Folglich h\u00e4ngt die endg\u00fcltige Auswirkung des Urteils auf die Prozesskosten </span></div><div class=\"ps27771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI von der Ermessensentscheidung der nationalen Gerichte im Einzelfall ab. Die RBI beobachtet weiterhin die juristischen </span></div><div class=\"ps27772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklungen und kann ihre R\u00fcckstellungen f\u00fcr rechtliche Risiken und ihre Verfahrensstrategien anpassen, um potenzielle </span></div><div class=\"ps27773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">negative finanzielle Auswirkungen aufgrund dieser Rechtsprechung abzumildern.</span></div><div class=\"ps27774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Polnische ordentliche Gerichte haben dem EuGH mehrere weitere Fragen zur Auslegung der Richtlinie 93/13/EWG \u00fcber </span></div><div class=\"ps27775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen im Zusammenhang mit Fremdw\u00e4hrungsdarlehen vorgelegt. Zu den Fragen </span></div><div class=\"ps27776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geh\u00f6ren unter anderem die Rechtm\u00e4\u00dfigkeit der Verpflichtung von Verbrauchern zur Zahlung von Rechtskosten, die </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterbrechung der Verj\u00e4hrungsfristen f\u00fcr Forderungen der Banken, die Behandlung verj\u00e4hrter Anspr\u00fcche, die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnungsrechte von Banken, die Erstattung von Versicherungskosten und die G\u00fcltigkeit von Vertragsanh\u00e4ngen. Ziel dieser </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfragen ist es, die Vereinbarkeit nationaler Gesetze mit den EU-Verbraucherschutzstandards zu kl\u00e4ren. </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die seit 2020 eingegangen Klagen wurden haupts\u00e4chlich durch die Entscheidung des EuGH in der Rechtssache C-260/18 und die </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gestiegenen Marketingaktivit\u00e4ten von Anwaltskanzleien, die f\u00fcr Kreditnehmer t\u00e4tig sind, hervorgerufen. Im Gesch\u00e4ftsjahr 2025 </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verzeichnete die polnische Filiale 4.334 neue Klagen (Vorjahr: 6.150 neue Klagen), in der Berichtsperiode wurden durchschnittlich </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">361 neue Klagen pro Monat (davon 268 Klagen f\u00fcr Schweizer Franken-Kredite und 93 Klagen f\u00fcr Euro-Kredite) eingebracht. Der </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eingang neuer F\u00e4lle k\u00f6nnte aufgrund der steigenden Zahl von Vergleichen zwischen der polnischen Filiale der RBI und </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmern sowie der Tatsache, dass ein erheblicher Teil der Kreditportfolios bereits Gegenstand laufender </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten ist, was den potenziellen Zufluss neuer Anspr\u00fcche naturgem\u00e4\u00df einschr\u00e4nkt, weiter zur\u00fcckgehen.</span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus haben sich polnische Gerichte mit weiteren Vorabentscheidungsersuchen in anderen zivilrechtlichen Verfahren </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an den EuGH gewandt. Diese Entscheidungen k\u00f6nnten zu weiteren Klarstellungen durch den EuGH f\u00fchren und einen Einfluss </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darauf haben, wie gerichtsanh\u00e4ngige Verfahren im Zusammenhang mit Fremdw\u00e4hrungskrediten von nationalen polnischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten entschieden werden.</span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Folgenabsch\u00e4tzung f\u00fcr Kreditvertr\u00e4ge, die an eine Fremdw\u00e4hrung gekoppelt sind oder auf eine Fremdw\u00e4hrung lauten, kann </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch von dem Ergebnis eines laufenden verwaltungsgerichtlichen Verfahrens aufgrund eines Rechtsmittels der polnischen </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Filiale der RBI gegen eine Entscheidung des Pr\u00e4sidenten des Amts f\u00fcr Wettbewerb und Verbraucherschutz (UOKiK) beeinflusst </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. In der angefochtenen Entscheidung wurde behauptet, dass die polnische Niederlassung der RBI an Praktiken beteiligt </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">war, die kollektive Verbraucherinteressen verletzten. Dies f\u00fchrte zu einer Verwaltungsstrafe gegen die polnische Filiale sowie </span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Verpflichtung, den Kreditnehmern Informationen \u00fcber den Versto\u00df zur Verf\u00fcgung zu stellen, falls die </span></div><div class=\"ps2424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsentscheidung rechtskr\u00e4ftig wird. Im Juni 2025 wies das Gericht f\u00fcr Wettbewerbs- und Verbraucherschutz (SOKIK) </span></div><div class=\"ps2425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Beschwerde der RBI gegen die Entscheidung vollst\u00e4ndig ab. Im August 2025 hat die RBI gegen dieses Urteil Berufung beim </span></div><div class=\"ps2426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsgericht in Warschau eingelegt.</span></div><div class=\"ps27777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus leitete der polnische Finanz-Ombudsmann, der im Namen von zwei Kreditnehmern handelte, ein Zivilverfahren </span></div><div class=\"ps27778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI ein, in dem die Anwendung unlauterer Gesch\u00e4ftspraktiken gegen\u00fcber Verbrauchern in einem Fall behauptet wird, </span></div><div class=\"ps27779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in dem die RBI \u2013 nach Aufhebung eines Kreditvertrags \u2013 den vollen urspr\u00fcnglich ausgegebenen Kreditbetrag ohne </span></div><div class=\"ps27780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischenzeitlich geleistete R\u00fcckzahlungen sowie f\u00fcr die Verwendung von Kapital durch die Kreditnehmer f\u00e4llige Betr\u00e4ge, </span></div><div class=\"ps27781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Grundsatzes der ungerechtfertigten Bereicherung eingefordert hatte und verlangt, diese Praxis einzustellen. Im </span></div><div class=\"ps27782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mai 2023 wurde die Klage des Finanz-Ombudsmanns in erster Instanz abgewiesen. Der Finanz-Ombudsmann legte gegen </span></div><div class=\"ps27783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses Urteil Berufung ein, die der RBI zugestellt wurde und die diese ordnungsgem\u00e4\u00df beantwortete. </span></div><div class=\"ps27784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist zudem Kl\u00e4gerin in einer Anzahl laufender Zivilprozesse im Zusammenhang mit bereits beendeten </span></div><div class=\"ps27785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekarkrediten, die in Schweizer Franken oder Euro denominiert oder an diese W\u00e4hrungen gekoppelt waren. Der </span></div><div class=\"ps27786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtstreitwert belief sich zum 31. Dezember 2025 auf rund PLN 298,5 Millionen (\u20ac 71 Millionen). Die Anspr\u00fcche der RBI </span></div><div class=\"ps27787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beziehen sich auf Kapital und Zinsen, die aufgrund rechtlicher Einw\u00e4nde nicht gezahlt wurden. Die Klagen werden auf </span></div><div class=\"ps27788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglicher Grundlage oder auf der Grundlage ungerechtfertigter Bereicherung erhoben.</span></div><div class=\"ps27789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI eine Reihe von Gerichtsverfahren aufgrund von Gegenforderungen auf R\u00fcckzahlung des Kapitals </span></div><div class=\"ps27790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen Kreditnehmer eingeleitet, falls diese die G\u00fcltigkeit des Fremdw\u00e4hrungshypothekarkredits gegen\u00fcber der RBI anfechten. </span></div><div class=\"ps27791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Einreichung der Klagen dient der Sicherung der Anspr\u00fcche der RBI und soll deren Verj\u00e4hrung verhindern. Zum 31. Dezember </span></div><div class=\"ps27792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 belief sich der Gesamtstreitwert dieser Verfahren auf PLN 2.662 Millionen (\u20ac 631 Millionen). Die Entscheidung \u00fcber die </span></div><div class=\"ps27793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einreichung solcher Klagen wird in den kommenden Jahren von der endg\u00fcltigen Auswirkung des oben beschriebenen EuGH-</span></div><div class=\"ps27794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteils in der Rechtssache C-746/24, von der Entwicklung der nationalen Rechtsprechung und m\u00f6glichen Gesetzesinitiativen </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abh\u00e4ngen. </span></div><div class=\"ps27796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Themen der polnischen Gesetzgebung</span></div><div class=\"ps27797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende September 2025 verabschiedete die polnische Regierung einen Gesetzesentwurf zur Einf\u00fchrung besonderer Verfahren f\u00fcr </span></div><div class=\"ps27798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilrechtssachen im Zusammenhang mit Krediten, die in Schweizer Franken (CHF) denominiert oder an diesen gekoppelt sind. </span></div><div class=\"ps27799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfang Oktober 2025 wurde der Entwurf dem Sejm (dem Unterhaus des polnischen Parlaments) vorgelegt, um das </span></div><div class=\"ps27800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesetzgebungsverfahren einzuleiten. Hauptziel des Gesetzesentwurfs ist es, Rechtsstreitigkeiten im Zusammenhang mit CHF-</span></div><div class=\"ps27801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten zu beschleunigen, die Belastung der Gerichte zu verringern und den Verbraucherschutz im Einklang mit der </span></div><div class=\"ps27802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung des Gerichtshofs der Europ\u00e4ischen Union zu st\u00e4rken. In der vorliegenden Fassung w\u00fcrde das Gesetz f\u00fcr </span></div><div class=\"ps27803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilverfahren zwischen Verbrauchern und Banken gelten, die Kredite in CHF oder an diesen gekoppelte Kredite betreffen, </span></div><div class=\"ps27804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich jener Kredite, die per Annex in CHF-denominierte oder an diesen indexierte Vertr\u00e4ge umgewandelt wurden. </span></div><div class=\"ps27805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite in anderen W\u00e4hrungen (insbesondere EUR) oder an diese gekoppelte Kredite w\u00fcrden nicht unter den </span></div><div class=\"ps27806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anwendungsbereich des Gesetzes fallen. Insgesamt st\u00e4rkt das vorgeschlagene Rahmenwerk die Rechtsposition von </span></div><div class=\"ps27807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchern in Rechtsstreitigkeiten gegen Banken erheblich.</span></div><div class=\"ps27808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit der Zustellung der Klage oder Widerklage des Verbrauchers an die Bank werden die Kreditr\u00fcckzahlungen automatisch und </span></div><div class=\"ps27809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kraft Gesetzes ausgesetzt, bis das entsprechende Gerichtsverfahren rechtskr\u00e4ftig abgeschlossen ist. Die Aussetzung der </span></div><div class=\"ps27810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen des Kreditnehmers stellt keinen Verzug oder eine nicht ordnungsgem\u00e4\u00dfe Erf\u00fcllung des </span></div><div class=\"ps27811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvertrags dar und darf nicht an ein Kredit- oder Schuldnerregister gemeldet werden. Zudem sind alle Eintr\u00e4ge in diese </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Register, die vor der Zustellung der Klage oder Widerklage an die Bank erfolgt sind, zu l\u00f6schen. In F\u00e4llen, in denen die Klage oder </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Widerklage des Verbrauchers vor Inkrafttreten des Gesetzes an die Bank zugestellt wurde, tritt die Aussetzung der </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen mit dem Inkrafttreten des Gesetzes in Kraft. Ab diesem Datum werden daher die R\u00fcckzahlungen </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aller betroffenen Kreditvertr\u00e4ge automatisch kraft Gesetzes ausgesetzt, was m\u00f6glicherweise zu einer weiteren Verringerung </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Mittelzufl\u00fcsse aus dem CHF-Kreditportfolio f\u00fchrt. Ungeachtet dessen bleibt die Bank weiterhin verpflichtet, Zahlungen </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzunehmen, wenn der vom Kreditnehmer zur\u00fcckgezahlte Gesamtbetrag unter dem ausgezahlten Gesamtkreditbetrag liegt. </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlich ist, dass Verbraucher keine individuellen Antr\u00e4ge auf Aussetzung der R\u00fcckzahlung stellen m\u00fcssen und Gerichte keine </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen \u00fcber einstweilige Ma\u00dfnahmen oder damit verbundene Rechtsmittel mehr erlassen oder \u00fcberpr\u00fcfen m\u00fcssen.</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Entwurf vorgeschlagenen prozessualen Ma\u00dfnahmen zielen darauf ab, die Verfahrensbearbeitung zu vereinfachen. So </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen Rechtssachen trotz Antrags einer Partei auf \u00f6ffentliche Anh\u00f6rung unter Ausschluss der \u00d6ffentlichkeit verhandelt </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, Parteien k\u00f6nnen Aussagen schriftlich einreichen und die Einvernahme von Zeugen kann mittels technischer Hilfsmittel </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgen, auch wenn sich eine Partei dagegen ausspricht. Dar\u00fcber hinaus wurde bei Gericht ein vereinfachter Prozess zur </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beendigung von Verfahren nach freiwilliger Zur\u00fccknahme der Klage oder Berufung eingef\u00fchrt. Um eine Einigung und </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gemeinsame Abstimmung zu erleichtern, erm\u00f6glicht der Entwurf dem Beklagten, bis zum Ende der Verhandlung vor dem </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht zweiter Instanz oder \u2013 falls der Fall unter Ausschluss der \u00d6ffentlichkeit verhandelt wird \u2013 bis zur Verk\u00fcndung des Urteils </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Gerichts zweiter Instanz eine Aufrechnungseinrede zu erheben. Ebenso kann eine Widerklage bis zum Abschluss der </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Verhandlung oder \u2013 bei Verhandlung unter Ausschluss der \u00d6ffentlichkeit \u2013 bis zur Verk\u00fcndung des </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Urteils eingebracht werden. Der Gesetzentwurf bietet zudem Anreize f\u00fcr eine g\u00fctliche Streitbeilegung, indem </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">er vorsieht, dass bei R\u00fccknahme einer Klage, einer Berufung oder einer Kassationsbeschwerde innerhalb von sechs Monaten </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach Inkrafttreten des Gesetzes die H\u00e4lfte der Gerichtskosten erstattet wird. Der Gesetzesentwurf sieht zudem </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen f\u00fcr die Befugnis des Obersten Gerichtshofs vor, Kassationsbeschwerden in F\u00e4llen zu verhandeln, die Kredite </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit CHF-Bezug betreffen.</span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Gesetz soll 14 Tage nach seiner Ver\u00f6ffentlichung im offiziellen Gesetzblatt in Kraft treten. Die verk\u00fcrzte Legisvakanz </span></div><div class=\"ps12694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(vacatio legis) unterstreicht die Dringlichkeit der Ma\u00dfnahme und k\u00f6nnte den Bankensektor bei der Umsetzung der </span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmungen vor erhebliche Herausforderungen stellen. Neben den finanziellen Auswirkungen (geringere Mittelzufl\u00fcsse aus </span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckzahlung strittiger Kredite) k\u00f6nnten die vorgeschlagenen Regelungen auch die Beilegung von Gerichtsverfahren </span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen und damit den Mittelabfluss aus Banken aufgrund der Notwendigkeit, rechtskr\u00e4ftige Urteile umzusetzen, </span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen. Sie k\u00f6nnten auch Verbraucher, die noch keine Anspr\u00fcche gegen Banken geltend gemacht haben, dazu </span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermutigen, Klage einzureichen.</span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Finanzielle Auswirkungen</span></div><div class=\"ps27812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat f\u00fcr die in Polen eingebrachten und erwarteten Klagen f\u00fcr Schweizer-Franken- und Euro-Kredite inklusive </span></div><div class=\"ps27813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verzugszinsen, die an Kunden zu zahlen sein werden, vorgesorgt. Da Klagen von einer Reihe von Kunden eingebracht wurden, </span></div><div class=\"ps23986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basiert diese R\u00fcckstellung auf einem statistischen Ansatz, der sowohl statistische Daten, soweit diese relevant sind, als auch </span></div><div class=\"ps23987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen ber\u00fccksichtigt. In diesem Kapitel umfasst der Begriff R\u00fcckstellung Vorsorgen gem\u00e4\u00df IFRS 9, bei denen der </span></div><div class=\"ps27814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bruttobuchwert aufgrund einer Anpassung der erwarteten zuk\u00fcnftigen Cashflows um den r\u00fcckzustellenden Betrag reduziert </span></div><div class=\"ps27815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, sowie R\u00fcckstellungen gem\u00e4\u00df IAS 37.</span></div><div class=\"ps27816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat ein Portfolio von rund 17,2 Tausend aktiven CHF-Darlehen mit einer Gesamtaushaftung von knapp \u20ac 1,3 Milliarden </span></div><div class=\"ps27624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und rund 10,1 Tausend CHF-Darlehen, die bereits getilgt wurden. Dies beinhaltet auch Darlehen, von welchen nicht erwartet </span></div><div class=\"ps27625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, dass sie Gegenstand von Rechtsstreitigkeiten werden. Zus\u00e4tzlich hat die RBI rund 8,7 Tausend in Euro vergebene Darlehen </span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit einem Volumen von rund \u20ac 360 Millionen ausstehend. Rund 9,3 Tausend weitere in Euro vergebene Darlehen wurden bereits </span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcckbezahlt. </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sich daraus ergebende R\u00fcckstellung betr\u00e4gt \u20ac\u00a01.956 Millionen (Vorjahr: \u20ac\u00a02.071 Millionen), davon \u20ac 1.774 f\u00fcr Schweizer-</span></div><div class=\"ps27817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Franken- und \u20ac 182 Millionen f\u00fcr Euro-Kredite. Die Gesamth\u00f6he der R\u00fcckstellung stellt die bestm\u00f6gliche Sch\u00e4tzung des </span></div><div class=\"ps27818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftigen Abflusses von wirtschaftlichem Nutzen dar. Bei der Berechnung der R\u00fcckstellung f\u00fcr in Polen eingereichte Klagen ist </span></div><div class=\"ps27819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es notwendig, sich eine Meinung zu Sachverhalten zu bilden, die grunds\u00e4tzlich ungewiss sind, wie beispielsweise regulatorische </span></div><div class=\"ps27820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verlautbarungen, die Anzahl zuk\u00fcnftiger Klagen, der Umfang, in dem diese aufrechterhalten werden, und die Auswirkungen von </span></div><div class=\"ps27821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsentscheidungen, die f\u00fcr eingegangene Klagen relevant sein k\u00f6nnen.</span></div><div class=\"ps27822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es verbleiben somit eine Reihe von Risiken und Ungewissheiten. Folglich k\u00f6nnten die tats\u00e4chlichen Kosten von den Sch\u00e4tzungen </span></div><div class=\"ps27823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI und den ihnen zugrunde liegenden Annahmen abweichen. Dies k\u00f6nnte dazu f\u00fchren, dass eine weitere R\u00fcckstellung </span></div><div class=\"ps27824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich wird. Die wesentlichen, quantifizierbaren Unsicherheiten in Bezug auf die Berechnung der R\u00fcckstellung beziehen </span></div><div class=\"ps27825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich auf eine potenzielle Reduzierung der Diskontierungsperiode, einen R\u00fcckgang der Abzinsungsrate, einen Anstieg der </span></div><div class=\"ps27826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Klagen f\u00fcr ausstehende und getilgte Kredite, eine Erh\u00f6hung des durchschnittlichen Verlusts pro Kreditfall f\u00fcr </span></div><div class=\"ps27827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehende und getilgte Kredite sowie auf die Erfolgsquote au\u00dfergerichtlicher Einigungen. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Sensitivit\u00e4tsanalyse</span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse f\u00fcr potenzielle \u00c4nderungen der verwendeten Parameter \u00fcber die n\u00e4chsten 12 Monate, w\u00e4hrend alle </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Parameter konstant gehalten werden, ist in den folgenden beiden Tabellen getrennt nach CHF- und EUR-Kredite </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt:</span></div><div class=\"ps27875 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22055\">1.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17673\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17823\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24278\"></span><span class=\"ps24278\">1,1</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27843\"></span><span class=\"ps27843\">0,8</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27845\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23810\"></span><span class=\"ps23810\">95</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25330\"></span><span class=\"ps25330\">96</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19921\"></span><span class=\"ps19921\">145</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19934\"></span><span class=\"ps19934\">146</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20867\"></span><span class=\"ps20867\">43</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27862\"></span><span class=\"ps27862\">44</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27864\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Anzahl an erwarteten zuk\u00fcnftigen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Vergleichen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27867 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27866\">2.497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27869 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27868\">- 10.0%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27870 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps21504\">2.247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27871 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung des Vergleichsangebots f\u00fcr Kunden (in % des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Verlustes im Falle einer Annullierung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27872 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24264\"></span><span class=\"ps24264\">79</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23543 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps19996\"> + 5.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17570 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27874 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27885 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27876\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17673\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps17823\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27878\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Buchwertanpassung)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13629\"></span><span class=\"ps13629\">6,0</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27879\"></span><span class=\"ps27879\">5,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27881\"></span><span class=\"ps27881\">52</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">93</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24321\"></span><span class=\"ps24321\">94</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24456\"></span><span class=\"ps24456\">15</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27884\"></span><span class=\"ps27884\">16</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Annahmen basieren auf internen Statistiken sowie auf Marktdaten. Der Anstieg der R\u00fcckstellung ist linear f\u00fcr alle </span></div><div class=\"ps27887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassungen, mit der Ausnahme von Anpassungen der Abzinsungsrate, die logarithmisch ansteigt. Des Weiteren ber\u00fccksichtigt </span></div><div class=\"ps27888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Modell keine unerwarteten Entwicklungen in der Rechtsprechung.</span></div><div class=\"ps27889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr das Gesch\u00e4ftsjahr 2025 wurde die Sensitivit\u00e4tsanalyse etwas erweitert. Zum einen wurde bei der Sensitivit\u00e4t der </span></div><div class=\"ps27890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsperiode zwischen der IFRS 9 Buchwertanpassung und der IAS 37 R\u00fcckstellungen aufgrund der unterschiedlichen </span></div><div class=\"ps27891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsdauer unterschieden. Zum anderen wurde das CHF-Portfolio um neue Sensitivit\u00e4ten im Zusammenhang mit den </span></div><div class=\"ps27892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichsangeboten erg\u00e4nzt, da diesen im Jahr 2025 zahlenm\u00e4\u00dfig eine h\u00f6here Bedeutung zukam. F\u00fcr den Vergleichszeitraum </span></div><div class=\"ps12050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 wurden diese neuen Sensitivit\u00e4ten nicht ermittelt. </span></div><div class=\"ps27916 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27893\">1.965<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25180\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21946\"></span><span class=\"ps21946\">2,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21958\"></span><span class=\"ps21958\">2,0</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14946 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20784\"></span><span class=\"ps20784\">91,5</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27899 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27901 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27900\"></span><span class=\"ps27900\">92,5</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27902 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14959 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26820\"></span><span class=\"ps26820\">117</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27903 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27905 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27904\"></span><span class=\"ps27904\">118</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27907 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27906\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14971 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27908 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27909 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27910 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14987 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27911 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27913 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27912\"></span><span class=\"ps27912\">54</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27915 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27914\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungsbetrag in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25287\">106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IFRS 9 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">7,2</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21519\"></span><span class=\"ps21519\">6,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14946 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23527\"></span><span class=\"ps23527\">32,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27899 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27901 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27917\"></span><span class=\"ps27917\">33,9</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27902 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14959 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27918\"></span><span class=\"ps27918\">83</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27903 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27905 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27907 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (IAS 37 R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14971 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27908 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27909 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27910 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14987 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">35</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27911 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27913 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">36</span><span class=\"ps27840\"> %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27915 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Vergleichsprogramm </span></div><div class=\"ps27920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereits 2023 wurde ein au\u00dfergerichtliches Vergleichsprogramm basierend auf dem Mustervorschlag des Vorsitzenden der </span></div><div class=\"ps27921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">polnischen Finanzaufsichtsbeh\u00f6rde gestartet. Das prim\u00e4re Ziel des Vergleichsprogramms ist die Limitierung der erwarteten </span></div><div class=\"ps27922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verluste, die aus der aktuellen negativen Rechtsprechung resultieren, die meisten Hypothekarkredite g\u00e4nzlich zu annullieren. </span></div><div class=\"ps27923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund einer verhaltenen Resonanz der Kund:innen auf dieses Programm wurde im Jahr 2024 ein verbessertes Modell zum </span></div><div class=\"ps27924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweck einer h\u00f6heren Akzeptanz entwickelt. Im Gegensatz zu einer Neuberechnung des ausgegeben Kreditvertrags mit </span></div><div class=\"ps27925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Parametern orientiert sich das \u00fcberarbeitete Vergleichsprogramm am R\u00fcckzahlungsbetrag an die Kund:innen im </span></div><div class=\"ps27926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fall einer Annullierung abz\u00fcglich eines prozentuellen Abschlags. In beiden F\u00e4llen f\u00fchrt ein Vergleich zu einer Abschreibung eines </span></div><div class=\"ps27927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teils des Kreditbetrags, abh\u00e4ngig vom individuell ausgehandelten Vergleichsangebot. Die Vergleichsprogramme werden mittels </span></div><div class=\"ps27928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mediationsverfahren durch die polnische Finanzaufsichtsbeh\u00f6rde abgewickelt.</span></div><div class=\"ps27929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Per 31.12.2025 hat die RBI 21.630 individuelle Vergleichsangebot an Kund:innen gestellt, wovon mit 4.541 Kund:innen ein Vergleich </span></div><div class=\"ps27930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und mit weiteren 855 Kund:innen der Mediationsprozess erfolgreich abgeschlossen wurde. Die Bank hat bei der Berechnung der </span></div><div class=\"ps27931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorsorgen die gesch\u00e4tzte Anzahl der mit Kund:innen abzuschlie\u00dfenden Vergleiche ber\u00fccksichtigt, die das angepasste Niveau </span></div><div class=\"ps27932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftiger Verluste in diesen Vergleichsf\u00e4llen widerspiegeln. Die Ber\u00fccksichtigung von Vergleichen in der </span></div><div class=\"ps27933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungsberechnung wird von Faktoren wie dem R\u00fcckzahlungsbetrag im Falle einer Annullierung, der Entwicklung der </span></div><div class=\"ps27934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung und der Verfahrensdauer beeinflusst.</span></div><div class=\"ps27935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Rum\u00e4nien<span id=\"i1496d54a25184efda16663eedabe2457\"></span></span></div><div class=\"ps27936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Mai 2023 hat die rum\u00e4nische Verbraucherschutzbeh\u00f6rde (ANPC) die Methode bestritten, wie Raten im Zusammenhang mit </span></div><div class=\"ps27937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucherkrediten berechnet werden, und behauptet, dass R\u00fcckzahlungspl\u00e4ne mit festen Raten, die sich zu Beginn der <span class=\"f ps24\"> </span></span></div><div class=\"ps27938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung aus einem gr\u00f6\u00dferen Zinsanteil und einem geringeren Kapitalanteil zusammensetzen, f\u00fcr Verbraucher nachteilig </span></div><div class=\"ps27939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seien und daher zu gleichen Teilen aus Kapital und Zinsen bestehen sollten. Sie erlie\u00df eine Anordnung, diese Praxis einzustellen, </span></div><div class=\"ps27940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber eine Reihe von Banken, darunter die rum\u00e4nische Netzwerkbank der RBI, Raiffeisen Bank SA, Bukarest, haben vor Gericht </span></div><div class=\"ps27941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Aussetzung der Anwendung dieser ANPC-Ma\u00dfnahme erwirkt. Da der Inhalt der Anordnung unklar ist, kann zum jetzigen </span></div><div class=\"ps27942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt nicht festgestellt werden, ob es zu negativen finanziellen Auswirkungen auf RBRO kommen wird und, wenn ja, </span></div><div class=\"ps27943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welcher m\u00f6gliche Schaden damit verbunden ist. Im Falle einer zwingenden \u00c4nderung der R\u00fcckzahlungspl\u00e4ne k\u00f6nnten die </span></div><div class=\"ps27944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen jedoch erheblich sein. Im Mai 2023 hat Raiffeisen Bank SA, Bukarest die G\u00fcltigkeit der \u201eFeststellungen\u201c der ANPC </span></div><div class=\"ps27945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor Gericht angefochten und das Gericht hat entschieden, dass die ANPC-Ma\u00dfnahme ausgesetzt werden soll, bis es eine </span></div><div class=\"ps27946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">endg\u00fcltige gerichtliche Entscheidung im Anfechtungsverfahren gibt. Im Juni 2025 gewann Raiffeisen Bank SA, Bukarest das </span></div><div class=\"ps2824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren gegen die Feststellungen. Da diese Entscheidung rechtskr\u00e4ftig ist, wurde der Prozess bez\u00fcglich der ANPC-Anordnung </span></div><div class=\"ps27947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgesetzt.</span></div><div class=\"ps27948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Juni 2024 erhielt Raiffeisen Bank SA, Bukarest einen weiteren ANPC-Bericht, der im Wesentlichen auch den gesamten </span></div><div class=\"ps27949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rum\u00e4nischen Bankenmarkt betrifft und auf einer ANPC-Untersuchung dar\u00fcber basiert, wie Banken der Verpflichtung zur </span></div><div class=\"ps27950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausreichenden Information der Kund:innen nachkommen. Basierend auf dem Vorwurf einer \u201ebetr\u00fcgerischen Praxis\u201c der Banken </span></div><div class=\"ps27951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verlangt der Bericht von den Banken, folgende Ma\u00dfnahmen zu ergreifen: (i) Bei Verbraucherkrediten mit variablen Zinss\u00e4tzen ist </span></div><div class=\"ps27952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ANPC der Meinung, dass die Banken einen Zinssatz h\u00e4tten anwenden sollen, der aus einem \u00f6ffentlichen Index (wie ROBOR, </span></div><div class=\"ps27953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EURIBOR, etc.) plus einer Marge besteht, und nicht eine Art \u201eMarktzinssatz\u201c (nicht an einen \u00f6ffentlichen Index gebunden). Somit </span></div><div class=\"ps27954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssten variable Zinss\u00e4tze, die als \u201eMarktzinss\u00e4tze\u201c ausgestaltet sind, auch r\u00fcckwirkend, neu berechnet werden, indem vom </span></div><div class=\"ps27955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anf\u00e4nglichen variablen Zinssatz der zu Beginn der ersten variablen Zinsperiode g\u00fcltige \u00f6ffentliche Index abgezogen wird. Die </span></div><div class=\"ps27956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Differenz w\u00fcrde dann als Marge auf den \u00f6ffentlichen Index angewendet, der f\u00fcr die jeweilige variable Zinsperiode gilt, und das </span></div><div class=\"ps27957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis w\u00fcrde den Zinssatz f\u00fcr diese Periode darstellen. Da sich die Ratenzahlungen aus Zins- und Tilgungszahlungen </span></div><div class=\"ps27958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammensetzen, unterliegen alle Komponenten einer Neuberechnung, als ob der Index plus Marge von Anfang an angewendet </span></div><div class=\"ps27959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">worden w\u00e4re. (ii) Bei CHF-Darlehen m\u00fcssten die ausstehenden Kapitalbetr\u00e4ge sowie die Raten neu berechnet werden, indem </span></div><div class=\"ps27960 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das CHF-Exposure zu dem zum Datum der jeweiligen Kreditvertr\u00e4ge g\u00fcltigen Wechselkurs in Euro umgerechnet wird und die <span class=\"f ps24\"> </span></span></div><div class=\"ps27961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raten berechnet werden, als ob die Kredite in Euro gew\u00e4hrt worden w\u00e4ren, jedoch unter Anwendung des CHF-Zinssatzes. Beide </span></div><div class=\"ps27962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ma\u00dfnahmen scheinen sowohl f\u00fcr laufende Kredite als auch f\u00fcr Kredite zu gelten, die in den letzten sechs Monaten vor dem </span></div><div class=\"ps27963 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datum des ANPC-Berichts (7. Juni 2024) zur\u00fcckgezahlt wurden. Raiffeisen Bank SA, Bukarest ist der Meinung, dass sie </span></div><div class=\"ps27964 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtskonform gehandelt hat und hat gegen den ANPC Bericht Rechtsmittel eingelegt. Beide von der ANPC beschlossenen </span></div><div class=\"ps27965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ma\u00dfnahmen sind ausgesetzt, bis eine endg\u00fcltige gerichtliche Entscheidung in der Sache vorliegt. Sollte diese Klage abgewiesen </span></div><div class=\"ps27966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, w\u00fcrde dies infolge der beiden zuvor erw\u00e4hnten Neuberechnungsma\u00dfnahmen, zu R\u00fcckzahlungen an Kund:innen f\u00fchren. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Dezember 2025 obsiegte die Raiffeisen Bank SA, Bukarest, im Rechtsstreit gegen den ANPC-Bericht in der Sache. Die ANPC </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann gegen diese gerichtliche Entscheidung ein Rechtsmittel einlegen.</span></div><div class=\"ps27967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Bankgesch\u00e4ft<span id=\"i9f21916d3a374dc2aea307f0f2e8b558\"></span></span></div><div class=\"ps11633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI und ihre Tochterunternehmen erbringen Dienstleistungen f\u00fcr Firmenkunden, welche auf operativer Ebene das Risiko von </span></div><div class=\"ps5145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten erh\u00f6hen. Die wesentlichsten F\u00e4lle sind:</span></div><div class=\"ps4654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach der Insolvenz der Alpine Holding GmbH (Alpine) im Jahr 2013 reichten Kleinanleger:innen in \u00d6sterreich eine Reihe von </span></div><div class=\"ps4657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen im Zusammenhang mit einer von der Alpine im Jahr 2012 begebenen Anleihe im Gesamtnennbetrag von \u20ac 100 Millionen </span></div><div class=\"ps4659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI und ein weiteres Kreditinstitut ein. Die Anspr\u00fcche gegen die RBI beliefen sich urspr\u00fcnglich auf etwa \u20ac 10 Millionen. </span></div><div class=\"ps3361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamthaft wurden Klagen in H\u00f6he von rund \u20ac 8 Millionen direkt durch einzelne Anleger:innen oder indirekt mittels <span class=\"f ps24\"> </span></span></div><div class=\"ps5149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sammelklage durch die Kammer f\u00fcr Arbeiter und Angestellte geltend gemacht. Aufgrund einiger eingestellter Verfahren sowie </span></div><div class=\"ps5150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von beschr\u00e4nkten Anspr\u00fcchen reduzierte sich der Streitwert der gegen\u00fcber der RBI anh\u00e4ngigen Gerichtsverfahren auf rund \u20ac </span></div><div class=\"ps5151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">6,3 Millionen. Vorgebracht wird unter anderem, dass die Banken als Joint Lead Manager der Anleiheemission gehandelt h\u00e4tten </span></div><div class=\"ps5152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und zum Zeitpunkt der Emission Kenntnis von finanziellen Problemen der Alpine hatten oder zumindest Kenntnis davon h\u00e4tten </span></div><div class=\"ps5153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben m\u00fcssen. Ihnen sollte daher bekannt gewesen sein, dass die Alpine nicht imstande gewesen sei, die Anleihen gem\u00e4\u00df den </span></div><div class=\"ps5154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleihebedingungen zur\u00fcckzuzahlen. Die Kl\u00e4ger behaupten, dass der Kapitalmarktprospekt in Bezug auf die Anleihe irref\u00fchrend </span></div><div class=\"ps19908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und unvollst\u00e4ndig gewesen sei und die Joint Lead Manager einschlie\u00dflich der RBI, dies gewusst h\u00e4tten. Im Dezember 2023 hat </span></div><div class=\"ps27968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Gericht in erster Instanz in mehreren zusammengefassten Verfahren in einem Teilurteil die auf Prospekthaftung </span></div><div class=\"ps27969 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basierenden Anspr\u00fcche von Anleger:innen gegen die RBI in H\u00f6he von insgesamt rund \u20ac 5,9 Millionen abgewiesen. Das </span></div><div class=\"ps27970 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzliche Urteil wurde vom Gericht zweiter Instanz best\u00e4tigt. Die Kl\u00e4ger haben dagegen im September 2024 Revision </span></div><div class=\"ps27971 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beim Obersten Gerichtshof erhoben. Die H\u00f6he der Anspr\u00fcche gegen die RBI in diesem Rechtsmittelverfahren wurde von \u20ac 5,9 </span></div><div class=\"ps27972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen auf \u20ac 5,7 Millionen reduziert. Der Oberste Gerichtshof hat die kl\u00e4gerische Revision in diesem Sammelverfahren mit </span></div><div class=\"ps27973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung vom 23. Juli 2025 zur\u00fcckgewiesen. Weiters konnte die RBI eine Reihe weiterer Verfahren im Vergleichsweg </span></div><div class=\"ps27974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beenden und ihre Verfahrenskosten teilweise ersetzt erhalten. Nach den durch die Revisionsentscheidung erledigten Verfahren </span></div><div class=\"ps27975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist die Anzahl aller ansonsten anh\u00e4ngiger Verfahren auf lediglich zwei (Gesamtstreitwert rund \u20ac 0,5 Millionen) gesunken. </span></div><div class=\"ps27976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im ersten Quartal 2021 erfuhr die RBI von einer Klage, die ein indonesisches Unternehmen bereits im November 2020 in Jakarta </span></div><div class=\"ps27977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen sie eingereicht hatte. Die behauptete Forderung auf Ersatz von Verm\u00f6genssch\u00e4den wird mit rund USD 129 Millionen </span></div><div class=\"ps27978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u20ac\u00a0110 Millionen) und die auf Ersatz von ideellen Sch\u00e4den mit USD 200 Millionen (\u20ac 170 Millionen) beziffert. Die Klage wurde der </span></div><div class=\"ps27979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI im Mai 2022 zugestellt. Am 27. Juni 2023 entschied das Bezirksgericht S\u00fcd-Jakarta (Pengadilan Negeri Jakarta Selatan), dass </span></div><div class=\"ps27980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI gegen\u00fcber dem indonesischen Unternehmen eine rechtswidrige Handlung gesetzt habe, und verurteilte die RBI zur </span></div><div class=\"ps27981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlung von Schadenersatz in H\u00f6he von USD 119 Millionen (\u20ac 101 Millionen). Die RBI hat angesichts der Rechts- und Faktenlage </span></div><div class=\"ps27982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen dieses Urteil beim Landesgericht Jakarta (Pengadilan Tinggi Jakarta) Berufung erhoben. Im M\u00e4rz 2024 entschied das </span></div><div class=\"ps27983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landesgericht Jakarta zugunsten der RBI und wies die Klage mangels indonesischer Gerichtsbarkeit zur\u00fcck. Der Kl\u00e4ger brachte </span></div><div class=\"ps27984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Juni 2024 eine Revision beim Obersten Gerichtshof Indonesiens (Mahkamah Agung Republik Indonesia) ein, gegen welche die </span></div><div class=\"ps27985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI eine Revisionsbeantwortung einreichte. W\u00e4hrend auf der Internetseite des Bezirksgerichts S\u00fcd-Jakarta die Abweisung der </span></div><div class=\"ps27986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Revision vermerkt ist, ist die Zustellung dieser Entscheidung des Obersten Gerichtshofs Indonesiens an RBI noch ausst\u00e4ndig.</span></div><div class=\"ps27987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI ist in einem Rechtsstreit mit einem Unternehmen auf den Cayman Islands (Cayman Islands Gesellschaft) und anderen </span></div><div class=\"ps27988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien (einschlie\u00dflich mehrerer Tochterunternehmen und einem Vorstandsmitglied der Cayman Islands Gesellschaft) </span></div><div class=\"ps27989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beteiligt, bei dem es um die Nichtzahlung unter Garantien geht, die von der fr\u00fcheren Muttergesellschaft der Cayman Islands </span></div><div class=\"ps19845 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (Muttergesellschaft) gegeben wurden. Im August 2019 leitete die RBI ein Verfahren gegen die Cayman Islands </span></div><div class=\"ps19846 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (und weitere Gegenparteien) beim Grand Court of the Cayman Islands, Financial Services Division (dem Gerichtshof </span></div><div class=\"ps19847 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Cayman Islands) ein. In diesen Verfahren macht RBI, allgemein formuliert, geltend, dass die Muttergesellschaft durch eine </span></div><div class=\"ps19848 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reihe betr\u00fcgerischer Transfers (das Betrugsschema) ihrer Verm\u00f6genswerte beraubt wurde, um die Durchsetzung von Garantien </span></div><div class=\"ps19849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugunsten der RBI zu verhindern. Im September 2019 erwirkte die RBI eine einstweilige Verf\u00fcgung gegen die Cayman Islands </span></div><div class=\"ps19850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft, die die M\u00f6glichkeit, \u00fcber ihr Verm\u00f6gen zu verf\u00fcgen, einschr\u00e4nkte (die Freezing Order), bis das Verfahren vor dem </span></div><div class=\"ps19851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtshof der Cayman Islands entschieden wird. Im November 2019 reichte die Cayman Islands Gesellschaft eine Bestreitung </span></div><div class=\"ps19852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und eine Gegenklage vor dem Gerichtshof der Cayman Islands ein, die darin enthaltene Gegenklage in H\u00f6he von \u20ac 203 Millionen </span></div><div class=\"ps27990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI. Die Cayman Islands Gesellschaft baut ihre Gegenklage dabei auf Dokumenten auf, deren Vorlage die Cayman </span></div><div class=\"ps27991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands Gesellschaft bislang verweigert hat. Das Verfahren vor dem Gerichtshof der Cayman Islands wurde im Jahr 2020 um </span></div><div class=\"ps27992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere Gegenparteien erweitert. Im Dezember 2021 wies das Berufungsgericht der Cayman Islands die Versuche der Cayman </span></div><div class=\"ps27993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands Gesellschaft und anderer Gegenparteien ab, die Freezing Order und die Zust\u00e4ndigkeit des Gerichtshofs der Cayman </span></div><div class=\"ps27994 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Islands anzufechten. Diese Antr\u00e4ge wurden abgelehnt und der RBI ein Kostenersatz zugesprochen. Im Jahr 2023 \u00e4nderte die RBI </span></div><div class=\"ps27995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihre Klage ab, nahm ein Vorstandsmitglied der Cayman Islands Gesellschaft (Vorstandsmitglied) als Gegenpartei in die </span></div><div class=\"ps27996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren vor dem Gerichtshof der Cayman Islands auf und erh\u00f6hte ihre Schadenersatzforderung von rund \u20ac 44 Millionen auf </span></div><div class=\"ps27997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rund \u20ac 106 Millionen, zuz\u00fcglich Zinsen und Kosten. \u00dcber einen Antrag des Vorstandsmitglieds auf Anfechtung der Zust\u00e4ndigkeit </span></div><div class=\"ps27998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und seine Miteinbeziehung in das Verfahren vor dem Gerichtshof der Cayman Islands wurde im Februar 2025 verhandelt und </span></div><div class=\"ps27999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Antrag im April 2025 abgewiesen, wobei RBI ein Kostenersatz zugesprochen wurde. Die Klagebeantwortung des </span></div><div class=\"ps28000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorstandsmitgliedes wurde im August 2025 eingebracht. Nach einer \u201eCase Management Conference\u201c -Tagsatzung (iW: </span></div><div class=\"ps28001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Festlegung des Prozesszeitplans) im September 2025 wurde angeordnet, dass das Hauptverfahren am ersten verf\u00fcgbaren </span></div><div class=\"ps28002 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Termin nach dem 2. April 2027 beginnen soll. Ebenfalls im September 2025 wurde das Verfahren um eine neue Gegenpartei (eine </span></div><div class=\"ps28003 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaft der Cayman Islands Gesellschaft) erweitert. Diese Gegenpartei gab dem Gerichtshof der Cayman Islands </span></div><div class=\"ps28004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungserkl\u00e4rungen im Wesentlichen in derselben Form ab wie die Freezing Order, und sowohl die Cayman Islands </span></div><div class=\"ps28005 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft als auch die neue Gegenpartei wurden angewiesen, alle ihre Verm\u00f6genswerte im Wert von \u00fcber \u20ac 3 Millionen </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">offenzulegen, wobei weitere Informationen von den Wirtschaftspr\u00fcfern der Cayman Islands Gesellschaft bereitgestellt werden </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollen, um die \u00dcberwachung der Freezing Order zu unterst\u00fctzen. Weitere damit verbundene Verfahren wurden von </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenparteien innerhalb der Unternehmensgruppe der Cayman Islands Gesellschaft gegen die RBI eingebracht, unter anderem </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Malta und British Columbia (Kanada). Diese Verfahren werden von RBI ausgefochten, aber nur mit dem Ziel von </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Feststellungen und nicht eines Schadenersatzanspruches.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Februar 2025 wurde der Kathrein Privatbank Aktiengesellschaft (Kathrein), einer Tochtergesellschaft der RBI, eine beim </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelsgericht Wien eingebrachte Klage auf Schadensersatz in H\u00f6he von \u20ac 50 Millionen und Feststellung der Haftung </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Bewertung \u20ac 1 Million) im Zusammenhang mit Malversationen eines fr\u00fcheren Mitarbeiters der Kathrein zugestellt. Obwohl </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kathrein den Kl\u00e4ger in H\u00f6he des von der Malversation betroffenen Betrags bereits entsch\u00e4digt hatte, konnte sie mit dem </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kl\u00e4ger keine au\u00dfergerichtliche Einigung \u00fcber die H\u00f6he des damit verbundenen hypothetischen Gewinnentgangs erzielen. </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nichtsdestotrotz werden weitere au\u00dfergerichtliche Vergleichsverhandlungen parallel zum Gerichtsverfahren gef\u00fchrt. Der </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geforderte Betrag ist deutlich h\u00f6her als der von Kathrein berechnete Betrag, der auch durch ein externes Gutachten gest\u00fctzt </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird. Aufgrund der Rechtseinsch\u00e4tzung der Kathrein wurde eine R\u00fcckstellung in angemessener H\u00f6he gebildet.</span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende Juni 2025 reichte ein russischer Firmenkunde der AO Raiffeisenbank beim Schiedsgericht Moskau eine Schadenersatzklage </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in H\u00f6he von etwa \u20ac 337 Millionen gegen die AO Raiffeisenbank ein. Der Kl\u00e4ger behauptet, Verluste erlitten zu haben, die aus </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Nichtzustandekommen des Verkaufs von Anteilen an einer deutschen Tochtergesellschaft, die eine Produktionsanlage in </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Deutschland betreibt, resultierten. Der Kl\u00e4ger warf der AO Raiffeisenbank, die Beratungsleistungen im Zusammenhang mit dem </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glichen Verkauf erbracht hatte, vor, dass sie f\u00fcr dieses Scheitern verantwortlich gewesen sei. Die Klage ist beim </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schiedsgericht Moskau anh\u00e4ngig. Parallel dazu werden Verhandlungen \u00fcber einen au\u00dfergerichtlichen Vergleich gef\u00fchrt. Am 2. </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2025 zog der Kl\u00e4ger seine Klage gegen die AO Raiffeisenbank zur\u00fcck und das Schiedsgericht Moskau beendete das </span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren ohne eine Zahlungsverpflichtung der AO Raiffeisenbank gegen\u00fcber dem russischen Kl\u00e4ger. </span></div><div class=\"ps28006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Durchsetzung durch Regulierungsbeh\u00f6rden<span id=\"i412206e6a7b74809b16ca3c6c144d47c\"></span></span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI und ihre Tochterunternehmen unterliegen zahlreichen nationalen und internationalen Regulierungsbeh\u00f6rden.</span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im M\u00e4rz 2018 wurde von der FMA im Rahmen eines Verwaltungsstrafverfahrens gegen die RBI eine Verwaltungsstrafe in H\u00f6he </span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 2,7 Millionen (die auf der Grundlage des konsolidierten Jahresumsatzes der RBI berechnet wurde und sich auf 0,06 Prozent </span></div><div class=\"ps26123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des letzten verf\u00fcgbaren konsolidierten Jahresumsatzes bel\u00e4uft) f\u00fcr eine angebliche Nichteinhaltung von formalen </span></div><div class=\"ps26124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dokumentationspflichten im Zusammenhang mit dem Know-your-Customer-Prinzip verh\u00e4ngt (Urspr\u00fcngliche FMA- <span class=\"f ps24\"> </span></span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung). Nach Auslegung der \u00f6sterreichischen Finanzmarktaufsicht (FMA) hatte die RBI in einigen wenigen Einzelf\u00e4llen </span></div><div class=\"ps22515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diese administrativen Verpflichtungen nicht eingehalten. Die FMA behauptete nicht, dass Geldw\u00e4sche oder ein anderes </span></div><div class=\"ps22516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf eine kriminelle Handlung oder ein Zusammenhang mit einer </span></div><div class=\"ps22517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solchen best\u00fcnde. Die RBI vertrat die Auffassung, dass sie allen Sorgfaltspflichten in Bezug auf die Know-your-Customer-<span class=\"f ps24\"> </span></span></div><div class=\"ps22518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anforderungen ordnungsgem\u00e4\u00df nachgekommen sei, und erhob Beschwerde gegen die Urspr\u00fcngliche FMA-Entscheidung in ihrer </span></div><div class=\"ps22519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtheit. Das Bundesverwaltungsgericht (BVwG) best\u00e4tigte die urspr\u00fcngliche FMA-Entscheidung (Erste <span class=\"f ps24\"> </span></span></div><div class=\"ps28007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung), wogegen die RBI jedoch in vollem Umfang Revision erhob. Im Dezember 2019 hob der </span></div><div class=\"ps28008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgerichtshof (VwGH) die Erste Berufungsentscheidung auf und wies den Fall an das BVwG zur\u00fcck. In der erneuten </span></div><div class=\"ps28009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 6. Mai 2021 die urspr\u00fcngliche FMA-Entscheidung grunds\u00e4tzlich erneut, </span></div><div class=\"ps28010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">senkte jedoch die Verwaltungsstrafe auf \u20ac 824 Tausend und lie\u00df erneut eine (zweite) Revision vor dem VwGH zu (Zweite </span></div><div class=\"ps28011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df Revision. Im Juli 2023 hob der VwGH die zweite Berufungsentscheidung auf </span></div><div class=\"ps28012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und wies den Fall wieder an das BVwG zur\u00fcck. In der erneuten Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 25. April </span></div><div class=\"ps28013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 grunds\u00e4tzlich erneut die urspr\u00fcngliche FMA-Entscheidung, aber senkte die Verwaltungsstrafe auf \u20ac 2 Millionen (von dem </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der urspr\u00fcnglichen FMA-Entscheidung verh\u00e4ngten Betrag von \u20ac 2,7 Millionen) und lie\u00df erneut eine (dritte) Revision vor dem </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">VwGH zu (Dritte Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df am 7. Juni 2024 Revision. Es wurde eine R\u00fcckstellung in </span></div><div class=\"ps5123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessener H\u00f6he gebildet.</span></div><div class=\"ps22530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im September 2018 wurden im Rahmen eines Verwaltungsverfahrens zwei Verwaltungsstrafen in H\u00f6he von insgesamt PLN 55 </span></div><div class=\"ps22531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 13 Millionen) gegen Raiffeisen Bank Polska S.A (RBPL), die ehemalige polnische Tochtergesellschaft der RBI, verh\u00e4ngt, </span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">da sie ihren Pflichten als Verwahrstelle und Liquidator bestimmter Investmentfonds angeblich nicht nachgekommen ist. Die </span></div><div class=\"ps23989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBPL als Verwahrstelle von Investmentfonds hat im Februar 2018 die Rolle des Liquidators f\u00fcr bestimmte Fonds \u00fcbernommen. <span class=\"f ps24\"> </span></span></div><div class=\"ps23990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach Einsch\u00e4tzung der polnischen Finanzaufsichtsbeh\u00f6rde (KNF) ist die RBPL bestimmten Verpflichtungen in ihrer Funktion als </span></div><div class=\"ps28014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Depotbank und Liquidator der Fonds nicht nachgekommen. Im Zuge der Transaktionen im Zusammenhang mit dem Verkauf </span></div><div class=\"ps28015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Kernbankengesch\u00e4fts der RBPL an die Bank BGZ BNP Paribas S.A. hat die RBI die Verantwortung f\u00fcr die dargelegten </span></div><div class=\"ps28016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsverfahren und die damit verbundenen Strafen \u00fcbernommen. Die RBI hat gegen s\u00e4mtliche Strafen Berufung </span></div><div class=\"ps28017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingelegt. Im September 2019 hat das Verwaltungsgericht der Woiwodschaft der Berufung der RBI in Bezug auf die Strafe in </span></div><div class=\"ps28018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) bez\u00fcglich der Pflichten der RBPL als Depotbank stattgegeben und die Entscheidung der </span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">KNF vollst\u00e4ndig aufgehoben. Die KNF legte gegen das Urteil Kassationsbeschwerde ein. Im Hinblick auf die Geldstrafe in H\u00f6he </span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von PLN 50 Millionen (\u20ac 12 Millionen) in Bezug auf die Funktion der RBPL als Liquidator hat das Verwaltungsgericht der </span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Woiwodschaft die Berufung abgewiesen und die Entscheidung der KNF vollst\u00e4ndig best\u00e4tigt. Die RBI hat beim Obersten </span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht Kassationsbeschwerde eingelegt, da sie der Ansicht ist, dass die RBPL all ihren Pflichten vollumf\u00e4nglich </span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachgekommen ist. Im April 2023 verwies das Oberste Verwaltungsgericht den Fall bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 5 </span></div><div class=\"ps28019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 1 Million) zur erneuten Pr\u00fcfung an das Verwaltungsgericht der Woiwodschaft zur\u00fcck. Weiters hat das Oberste </span></div><div class=\"ps28020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht die Kassationsbeschwerde der RBI bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac 12 Millionen) </span></div><div class=\"ps28021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgewiesen. Diese ist nunmehr final. Allerdings legte die RBI im Oktober 2023 beim Europ\u00e4ischen Gerichtshof f\u00fcr </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Menschenrechte Beschwerde in Bezug auf dieses Urteil ein. Im Oktober 2023 hat das Verwaltungsgericht der Woiwodschaft die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufung der RBI abgewiesen und die Entscheidung der KNF, welche die Strafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) gegen die </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI aufgrund angeblicher Pflichtverletzung als Depotbank f\u00fcr bestimmte Investmentfonds verh\u00e4ngte, best\u00e4tigt. Gegen dieses </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteil wurde beim Obersten Verwaltungsgericht Kassationsbeschwerde eingelegt. Im Februar 2025 hat das Oberste </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgericht die Kassationsbeschwerde der RBI bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgewiesen. Diese ist nunmehr final. Im Juli 2025 reichte die RBI auch eine Beschwerde beim Europ\u00e4ischen Gerichtshof f\u00fcr </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Menschenrechte betreffend diese Entscheidung ein. Beide Geldstrafen, d. h. die Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Million) und die Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac 12 Millionen), wurden bereits bezahlt.</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang wurden mehrere Einzelklagen und vier Sammelklagen, in denen Anspr\u00fcche von Inhaber:innen von </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zertifikaten der oben genannten Investmentfonds zusammengefasst werden, gegen die RBI eingereicht. Der Gesamtstreitwert </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">per 31. Dezember 2025 betr\u00e4gt rund PLN 81 Millionen (\u20ac 19 Millionen). Dar\u00fcber hinaus wurde die RBI dar\u00fcber informiert, dass dem </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht zwei \u00c4nderungen der Klageschrift vorgelegt wurden, die zu einer Erh\u00f6hung des Gesamtstreitwerts um rund PLN 93 </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 22 Millionen) f\u00fchren k\u00f6nnten. Die erste dieser \u00c4nderungen \u00fcber einen Betrag von circa PLN 91 Millionen (\u20ac 22 </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) wurde der RBI jedoch noch nicht zugestellt. Die Kl\u00e4ger im Rahmen der Sammelklagen fordern, dass die Verantwortung </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI f\u00fcr die behaupteten mangelhaften Leistungen der RBPL (deren Rechtsnachfolgerin die RBI ist) als Depotbank </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgestellt wird. Eine derartige Feststellung w\u00fcrde die finanziellen Anspr\u00fcche der Kl\u00e4ger f\u00fcr weitere Rechtsstreitigkeiten </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sichern und erleichtern. Aufgrund der Rechtseinsch\u00e4tzung der RBI wurde keine R\u00fcckstellung gebildet. </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI eine Anzahl von Benachrichtigungen \u00fcber Anspr\u00fcche seitens BNP im Zusammenhang mit </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Bankgesch\u00e4ften, f\u00fcr die BNP Rechtsnachfolger der RBPL ist, erhalten. Diese Forderungsmitteilungen beziehen sich </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haupts\u00e4chlich auf Verwaltungsverfahren, die von der KNF (Polish Financial Supervision Authority) im Zusammenhang mit </span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angeblichen Vers\u00e4umnissen der RBPL/BNP als Verwahrer von Investmentfonds durchgef\u00fchrt wurden, und k\u00f6nnen zu </span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldstrafen f\u00fchren. Dar\u00fcber hinaus wurden in diesem Zusammenhang Anspr\u00fcche von Anleger:innen gegen\u00fcber der BNP </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erhoben. Die RBI unterst\u00fctzt die BNP in diesen Zusammenhang. Die finanziellen Auswirkungen sind derzeit nicht absch\u00e4tzbar.</span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 wurde die RBI von der FMA informiert, dass ein Verwaltungsstrafverfahren wegen einer angeblichen <span class=\"f ps24\"> </span></span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nichteinhaltung von bestimmten rechtlichen Vorschriften bez\u00fcglich dem Know-Your-Customer Prinzip in Verbindung mit drei </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kunden aus dem Korrespondenzbankgesch\u00e4ft der RBI eingeleitet wurde. Die verfahrensgegenst\u00e4ndlichen Transaktionen </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden von der RBI zwischen 2017 und 2020 abgewickelt. Gem\u00e4\u00df der Auslegung der FMA h\u00e4tte sich die RBI nicht ausreichend </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">davon \u00fcberzeugt, dass diese Banken angemessene Due-Diligence-Prozesse zu ihren eigenen Kunden aus deren eigenen </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzbankgesch\u00e4ft implementiert h\u00e4tten. Daher w\u00e4re es der RBI, aus Sicht der FMA, nicht gelungen, ihre </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen aus den entsprechenden Verwaltungsvorschriften vollst\u00e4ndig zu erf\u00fcllen. Die FMA hat allerdings nicht </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">behauptet, dass tats\u00e4chlich Geldw\u00e4sche oder ein anderes Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf oder in </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit einer anderen kriminellen Handlung vorgelegen sei. Im Juni 2024 stellte FMA das </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsstrafverfahren in Bezug auf eine Bank ohne Strafe ein, verh\u00e4ngte aber eine Verwaltungsstrafe von \u20ac 2,07 Millionen </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber RBI in Bezug auf die anderen beiden Banken. Im Juli 2024 brachte RBI ein Rechtsmittel beim Bundesverwaltungsgericht </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(BVwG) ein und daher ist die Verwaltungsstrafe noch nicht rechtskr\u00e4ftig. Das BVwG hat mittlerweile den EuGH um </span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorabentscheidung \u00fcber die Einbindung und die Behandlung von nat\u00fcrlichen Personen, die f\u00fcr eine juristische Person t\u00e4tig sind, </span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als Voraussetzung f\u00fcr die Bestrafung eben solcher juristischen Person ersucht. Das Verfahren vor dem EuGH ist derzeit noch </span></div><div class=\"ps27754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht abgeschlossen.</span></div><div class=\"ps2442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 erhielt die RBI ein Auskunftsersuchen (RFI) vom Amt zur Kontrolle von Auslandsverm\u00f6gen (OFAC) des US-</span></div><div class=\"ps2444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzministeriums. OFAC \u00fcberwacht und vollstreckt Wirtschafts- und Handelssanktionen auf der Grundlage der US-</span></div><div class=\"ps28023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Au\u00dfenpolitik und der nationalen Sicherheitsziele. Ein Versto\u00df gegen US-Sanktionen kann unter anderem Geldstrafen, das </span></div><div class=\"ps28024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einfrieren von Konten oder die Beendigung von Gesch\u00e4ftsbeziehungen mit US-Korrespondenzbanken zur Folge haben. Die von </span></div><div class=\"ps28025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">OFAC im RFI aufgeworfenen Fragen zielen darauf ab, den Zahlungsverkehr und die damit verbundenen Prozesse der RBI mit US-</span></div><div class=\"ps28026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Korrespondenzbanken vor dem Hintergrund der Entwicklungen im Zusammenhang mit Russland und der Ukraine zu kl\u00e4ren. Die </span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI arbeitet seit M\u00e4rz 2023 auch mit dem US-Justizministerium (U.S. Department of Justice - DOJ) im Zusammenhang mit einer </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">DOJ-Anfrage zur Einhaltung der Sanktionen gegen Russland durch die RBI zusammen. Ein Versto\u00df gegen das US-Strafrecht im </span></div><div class=\"ps27763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit Sanktionen kann unter anderem zu Geldstrafen oder der Ernennung eines Beobachters f\u00fchren. Die RBI </span></div><div class=\"ps27764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verf\u00fcgt aus Prinzip \u00fcber Richtlinien und Verfahren, die konzipiert sind um die Einhaltung anwendbarer Embargos und </span></div><div class=\"ps27765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzsanktionen sicherzustellen, und kooperiert in Bezug auf deren Anfragen uneingeschr\u00e4nkt mit OFAC und DOJ, soweit dies </span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach geltenden Gesetzen und Vorschriften zul\u00e4ssig ist.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(46) Sonstige Vereinbarungen<span id=\"i4e45134c76fb4c5e9b4e92668d8d9242\"></span></span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Institutsbezogenes Sicherungssystem (Raiffeisen-IPS)<span id=\"if026d990b43f44018ef026f64fbdaf03\"></span></span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Raiffeisen Bank International AG, ihre \u00f6sterreichischen Tochterbanken, die Raiffeisen-Landeszentralen und die </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbanken geh\u00f6ren der Vereinbarung \u00fcber ein institutsbezogenes Sicherungssystem (Raiffeisen-IPS) und der </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichischen Raiffeisen-Sicherungseinrichtung eGen (\u00d6RS) als gesetzlicher Sicherungseinrichtung an. </span></div><div class=\"ps28033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Vereinbarung \u00fcber das Raiffeisen-IPS verpflichten sich die teilnehmenden Institute, einander gegenseitig abzusichern und </span></div><div class=\"ps28034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere bei Bedarf einander die Liquidit\u00e4t und Solvenz sicherzustellen. Dieses Raiffeisen-IPS wurde von den zust\u00e4ndigen </span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsbeh\u00f6rden EZB und FMA als institutsbezogenes Sicherungssystem im Sinne von Artikel 113 Abs 7 CRR </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Kapitalad\u00e4quanzverordnung der Europ\u00e4ischen Union \u2013 Capital Requirements Regulation) mit den damit verbundenen Rechten </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Pflichten der teilnehmenden Institute anerkannt. Danach d\u00fcrfen unter anderem Forderungen zwischen den Raiffeisen-IPS-</span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedern mit einem Risikogewicht von null Prozent angesetzt werden. Das Raiffeisen-IPS unterliegt einer gemeinsamen </span></div><div class=\"ps28035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufsichtsrechtlichen \u00dcberwachung. Es sind unter anderem die Eigenmittelbestimmungen auf konsolidierter Basis einzuhalten.</span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Raiffeisen-IPS mit der \u00d6RS als Sicherungseinrichtung wurde von der FMA als Einlagensicherungs- und </span></div><div class=\"ps28036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anlegerentsch\u00e4digungssystem gem\u00e4\u00df Einlagensicherungs- und Anlegerentsch\u00e4digungsgesetz (ESAEG) anerkannt. </span></div><div class=\"ps28037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die \u00d6RS nimmt f\u00fcr das Raiffeisen-IPS Aufgaben der Risikofr\u00fcherkennung und das Berichtswesen wahr. Die \u00d6RS verwaltet als </span></div><div class=\"ps28038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Treuh\u00e4nderin das liquide Sonderverm\u00f6gen des Raiffeisen-IPS. </span></div><div class=\"ps28039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Raiffeisen-IPS wird durch den Gesamtrisikorat gesteuert, der sich aus Vertreter:innen der RBI AG, der Raiffeisen-</span></div><div class=\"ps28040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landeszentralen und der Raiffeisenbanken zusammensetzt. Aufgaben, die auf Landesebene gel\u00f6st werden k\u00f6nnen, hat der </span></div><div class=\"ps28041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtrisikorat an Landesrisikor\u00e4te delegiert, die sich aus Vertreter:innen der jeweiligen Raiffeisen-Landeszentrale und den </span></div><div class=\"ps28042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbanken des Landes zusammensetzen.</span></div><div class=\"ps28043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6)<span id=\"i8afbcb1545c4449ba45296052420f35e\"></span></span></div><div class=\"ps28044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist Mitglied der Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6). Deren Vereinsmitglieder \u00fcbernehmen eine </span></div><div class=\"ps28045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Haftungsverpflichtung, durch die sie solidarisch die zeitgerechte Erf\u00fcllung aller Kundeneinlagen und </span></div><div class=\"ps28046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenemissionen eines insolventen Vereinsmitglieds bis zu jener Grenze garantieren, die sich aus der Summe der individuellen </span></div><div class=\"ps28047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tragf\u00e4higkeit der anderen Vereinsmitglieder ergibt. Die individuelle Tragf\u00e4higkeit eines Vereinsmitglieds bestimmt sich nach </span></div><div class=\"ps28048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den frei verwendbaren Reserven unter Ber\u00fccksichtigung der einschl\u00e4gigen Bestimmungen des BWG. </span></div><div class=\"ps28049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund von rechtlichen und regulatorischen \u00c4nderungen und der Einf\u00fchrung eines institutsbezogenen Sicherungssystems </span></div><div class=\"ps28050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben die Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6) und ihre Mitgliedsinstitutionen 2019 beschlossen, das </span></div><div class=\"ps28051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Programm f\u00fcr neue Transaktionen nicht mehr fortzuf\u00fchren. Dementsprechend gilt der Kundenschutz der RK\u00d6 nur f\u00fcr die </span></div><div class=\"ps28052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfassten Forderungen gegen Mitgliedsinstitute, die vor dem 1. Oktober 2019 eingegangen sind. Die Rechte der Kund:innen aus </span></div>der gesetzlichen Einlagensicherung sind davon unber\u00fchrt und bleiben im vollen Ausma\u00df bestehen.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-527": {
   "value": "<div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(30) Kreditzusagen, Finanzgarantien und sonstige Zusagen<span id=\"i48904840966d4b48b4329c41dc0365f5\"></span></span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzgarantien<span id=\"i0ae490231c5941c9ad39c5078b8b32fe\"></span></span></div><div class=\"ps19821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gem\u00e4\u00df IFRS 9 handelt es sich bei einer Finanzgarantie um einen Vertrag, der Garantiegeber:innen zur Leistung bestimmter </span></div><div class=\"ps19822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen verpflichtet, wenn diese Zahlung den Garantienehmer:innen f\u00fcr einen Verlust entsch\u00e4digt, der ihm durch die nicht </span></div><div class=\"ps19823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fristgem\u00e4\u00dfe Erf\u00fcllung von Zahlungsverpflichtungen eines Schuldners gem\u00e4\u00df den geltenden Bedingungen eines Schuld-</span></div><div class=\"ps19824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">instruments entsteht. Die Bewertung einer Finanzgarantie, die erstmals zum Erfassungszeitpunkt vorgenommen wird, ist bei </span></div><div class=\"ps19825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragsabschluss unter marktgerechten Bedingungen ident mit der Pr\u00e4mie. Im Gegensatz zu der Darstellung der Wertminde-</span></div><div class=\"ps19826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rungen von finanziellen Verm\u00f6genswerten werden erwartete Kreditausf\u00e4lle als R\u00fcckstellung auf der Passivseite ausgewiesen.</span></div><div class=\"ps24334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eventualverbindlichkeiten und andere au\u00dferbilanzielle Verpflichtungen<span id=\"i8027c444efdc4b7c84bde55a714b7368\"></span></span></div><div class=\"ps24335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hierbei handelt es sich im Wesentlichen um Eventualverbindlichkeiten aus nicht ausgen\u00fctzten Kreditzusagen. Als Kreditzusagen </span></div><div class=\"ps24336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind Verpflichtungen auszuweisen, aus denen ein Kreditrisiko entstehen kann. Dazu geh\u00f6ren Verpflichtungen, Darlehen zu </span></div><div class=\"ps24337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hren, Wertpapiere zu kaufen oder Garantien und Akzepte bereitzustellen. Die Risikovorsorge f\u00fcr Kreditzusagen wird als </span></div><div class=\"ps24338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellung f\u00fcr Risiken aus dem Kreditgesch\u00e4ft gezeigt. H\u00e4ufig werden Kreditzusagen nur teilweise in Anspruch genommen </span></div><div class=\"ps24339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und bestehen somit aus einer ausgen\u00fctzten und aus einer nicht ausgen\u00fctzten Zusage. Wenn die getrennte Identifikation der </span></div><div class=\"ps13878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Kreditausf\u00e4lle, die auf eine in Anspruch genommene und auf eine nicht in Anspruch genommene Zusage entfallen, </span></div><div class=\"ps13879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht m\u00f6glich ist, werden diese gem\u00e4\u00df IFRS 7 zusammen mit den Wertminderungen f\u00fcr den finanziellen Verm\u00f6genswert </span></div><div class=\"ps24340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Wenn die zusammengenommenen erwarteten Kreditausf\u00e4lle den Bruttobuchwert des finanziellen Verm\u00f6genswerts </span></div><div class=\"ps24341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbersteigen, werden diese als R\u00fcckstellung ausgewiesen. Wesentliche Eventualverbindlichkeiten aus Rechtsstreitigkeiten </span></div><div class=\"ps24344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden unter Punkt </span><span class=\"f charStyle-9eccfdcb ps24342\">(45) Offene Rechtsf\u00e4lle</span><span class=\"f charStyle-9eccfdcb ps24343\"> dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-528": {
   "value": "<div class=\"ps19821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gem\u00e4\u00df IFRS 9 handelt es sich bei einer Finanzgarantie um einen Vertrag, der Garantiegeber:innen zur Leistung bestimmter </span></div><div class=\"ps19822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungen verpflichtet, wenn diese Zahlung den Garantienehmer:innen f\u00fcr einen Verlust entsch\u00e4digt, der ihm durch die nicht </span></div><div class=\"ps19823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fristgem\u00e4\u00dfe Erf\u00fcllung von Zahlungsverpflichtungen eines Schuldners gem\u00e4\u00df den geltenden Bedingungen eines Schuld-</span></div><div class=\"ps19824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">instruments entsteht. Die Bewertung einer Finanzgarantie, die erstmals zum Erfassungszeitpunkt vorgenommen wird, ist bei </span></div><div class=\"ps19825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragsabschluss unter marktgerechten Bedingungen ident mit der Pr\u00e4mie. Im Gegensatz zu der Darstellung der Wertminde-</span></div><div class=\"ps19826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rungen von finanziellen Verm\u00f6genswerten werden erwartete Kreditausf\u00e4lle als R\u00fcckstellung auf der Passivseite ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-529": {
   "value": "<div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_820\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(31) Erwartete Kreditverluste<span id=\"i0ac5696eeaa542c39c86ba643e364632\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erwarteten Kreditverluste aus einem Finanzinstrument sind so zu bemessen, dass sie einen unverzerrten und </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlichkeitsgewichteten Betrag darstellen, der durch Auswertung einer Reihe verschiedener m\u00f6glicher Ergebnisse </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt wird, dem Zeitwert des Geldes und angemessenen und belastbaren Informationen entsprechen, die zum </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschlussstichtag ohne unangemessenen Kosten- oder Zeitaufwand \u00fcber vergangene Ereignisse, gegenw\u00e4rtige Bedingungen <span class=\"f ps24\"> </span></span></div><div class=\"ps902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Prognosen k\u00fcnftiger wirtschaftlicher Bedingungen verf\u00fcgbar sind. </span></div><div class=\"ps24488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Allgemeine Vorgehensweise<span id=\"i3ca92d1930064779a881dc62512116a8\"></span></span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Bemessung der Wertminderungen f\u00fcr erwartete Kreditverluste finanzieller Verm\u00f6genswerte \u2013 Amortized Cost bzw. </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzieller Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income ist die Anwendung von Modellen und </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognosen \u00fcber k\u00fcnftige wirtschaftliche Bedingungen und \u00fcber zuk\u00fcnftiges Zahlungsverhalten erforderlich. Bei der Berechnung </span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteter Kreditverluste sind Ermessensentscheidungen erforderlich, und zwar unter anderem bei der:</span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Festlegung der Kriterien f\u00fcr eine signifikante Erh\u00f6hung des Kreditrisikos</span></div><div class=\"ps4929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Auswahl geeigneter Modelle und Annahmen f\u00fcr die Berechnung erwarteter Kreditverluste</span></div><div class=\"ps24493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ber\u00fccksichtigung von Risiken, die von den Modellen nicht angemessen abgebildet werden</span></div><div class=\"ps15363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Bestimmung der Anzahl und relativen Gewichtung zukunftsorientierter Szenarien</span></div><div class=\"ps24494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zusammenfassung von Finanzinstrumenten anhand von gemeinsamen Ausfallrisikoeigenschaften in Gruppen mit </span></div><div class=\"ps24495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">dem Zweck der Berechnung erwarteter Kreditverluste.</span></div><div class=\"ps24496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisiko ist das Risiko, finanzielle Verluste zu erleiden, falls Kund:innen oder Kontrahent:innen den vertraglichen </span></div><div class=\"ps24497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen nicht oder nicht rechtzeitig nachkommen. Kreditrisiken ergeben sich haupts\u00e4chlich aus Interbanken-, <span class=\"f ps24\"> </span></span></div><div class=\"ps24498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenkunden- und Verbraucherkrediten sowie aus gew\u00e4hrten Kreditzusagen. Sie k\u00f6nnen ferner aus gegebenen </span></div><div class=\"ps24499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzgarantien, z. B. Kreditb\u00fcrgschaften, Akkreditiven und Akzepten, entstehen.</span></div><div class=\"ps24500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Kreditrisiken ergeben sich aus Veranlagungen in Schuldtiteln und aus Handelsaktivit\u00e4ten (Handelskreditrisiken), sowie </span></div><div class=\"ps24501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Verrechnungssalden mit Gegenparteien und aus Reverse-Repo-Gesch\u00e4ften. </span></div><div class=\"ps24502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle werden herangezogen, um die Eintrittswahrscheinlichkeit von Ausf\u00e4llen (PD), die damit verbundenen Verlustquoten </span></div><div class=\"ps24503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(LGD) und dem ausstehenden Betrag zum Zeitpunkt des Ausfalls (EAD) zu sch\u00e4tzen. Zus\u00e4tzlich zu bestehenden, historisch </span></div><div class=\"ps24504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">belastbar modellierten Risiken entstehen neue Risiken - wie zum Beispiel geopolitische Unsicherheiten, Risiken im </span></div><div class=\"ps24505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit der Energieversorgung sowie Umweltrisiken. Diese Risiken k\u00f6nnen aufgrund unzureichender historischer <span class=\"f ps24\"> </span></span></div><div class=\"ps24506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten nicht durch bestehende statistische Modelle erfasst werden. Um jedoch eine angemessene Risikovorsorge zu </span></div><div class=\"ps24507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten, werden diese Risiken \u00fcber Management Overlays in die ECL-Berechnung einbezogen. Sie lassen sich </span></div><div class=\"ps24508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenderma\u00dfen unterteilen: </span></div><div class=\"ps24509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Overlays: Hierbei handelt es sich um Anpassungen, die au\u00dferhalb des Modells vorgenommen werden, d. h. nach der </span></div><div class=\"ps24510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellanwendung. Post-Model-Adjustments (PMA) fallen in diese Kategorie. </span></div><div class=\"ps24511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">In-Model Adjustments: Hierbei handelt es sich um Anpassungen, die innerhalb des IFRS 9 Modells erfolgen. Dies </span></div><div class=\"ps24512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">umfasst die Anpassung von Modellinputs, Modellparametern oder Ad-hoc-Anpassungen des Modells und der </span></div><div class=\"ps24513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellkalibrierung (wobei die \u00c4nderung von Modellparametern wie LGD und PD durch die Einbeziehung </span></div><div class=\"ps24514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zukunftsgerichteter makro\u00f6konomischer Informationen nicht als Management Overlay gilt). </span></div><div class=\"ps24515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ESG-Faktoren sind in der ECL-Modellierung noch nicht explizit inkludiert. Sie flie\u00dfen jedoch \u00fcber Overlays in die Berechnung ein. </span></div><div class=\"ps24516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Signifikante Erh\u00f6hung des Kreditrisikos<span id=\"i20151d17f4eb4957b50e0c48db2e7c07\"></span></span></div><div class=\"ps24517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI sieht die Erh\u00f6hung des Kreditrisikos eines Finanzinstruments dann als signifikant an, wenn eines oder mehrere der </span></div><div class=\"ps24518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden quantitativen, qualitativen oder Backstop-Kriterien erf\u00fcllt sind: </span></div><div class=\"ps24519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Quantitative Kriterien<span id=\"i9c29486dd8044f918915448813775d9f\"></span></span></div><div class=\"ps24520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den Rating-Systemen der RBI werden die verf\u00fcgbaren quantitativen und qualitativen Informationen mit Relevanz f\u00fcr die </span></div><div class=\"ps24521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prognose des Kreditrisikos zur PD verdichtet. Dieser Gr\u00f6\u00dfe liegen insbesondere eine statistisch fundierte Auswahl und </span></div><div class=\"ps24522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtung aller verf\u00fcgbaren Indikatoren zugrunde. Weiterhin flie\u00dfen in der gem\u00e4\u00df den IFRS-9-Anforderungen adjustierten PD </span></div><div class=\"ps24523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">neben historischen Informationen und dem aktuellen wirtschaftlichen Umfeld insbesondere auch zukunftsorientierte </span></div><div class=\"ps24524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen, wie z. B. die Prognose der Entwicklung der makro\u00f6konomischen Rahmenbedingungen, ein. Folgerichtig </span></div><div class=\"ps23766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verwendet die RBI die PD als Messgr\u00f6\u00dfe f\u00fcr die Beurteilung, ob sich das Kreditrisiko eines Finanzinstruments gegen\u00fcber dem </span></div><div class=\"ps24525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugangszeitpunkt signifikant erh\u00f6ht hat. Durch die Verankerung der \u00dcberpr\u00fcfung des relativen Transferkriteriums in den </span></div><div class=\"ps24526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konzernweit etablierten Verfahren und Prozessen des Kreditrisikomanagements wird eine zuverl\u00e4ssige und zeitnahe <span class=\"f ps24\"> </span></span></div><div class=\"ps24527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Identifikation signifikanter Risikoerh\u00f6hungen sichergestellt. Die \u00dcberpr\u00fcfung, ob am Berichtsstichtag eine signifikante Erh\u00f6hung </span></div><div class=\"ps24528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Ausfallrisikos gegen\u00fcber dem Zugangszeitpunkt des betreffenden Finanzinstruments vorliegt, erfolgt zum Berichtsstichtag </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">grunds\u00e4tzlich durch einen Vergleich der beobachteten Ausfallwahrscheinlichkeit \u00fcber die Restlaufzeit des Finanzinstruments </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Lifetime-PD) mit der im Zugangszeitpunkt erwarteten Lifetime-PD \u00fcber denselben Zeitraum. Aufgrund der unterschiedlichen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Natur der Produkte von Non-Retail- und Retail-Kund:innen unterscheiden sich die Methoden zur Bestimmung einer signifikanten </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos geringf\u00fcgig. </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um die zwei Kurven f\u00fcr das Kreditrisiko von Non-Retail-Kund:innen vergleichbar zu machen, werden die PDs zu annualisierten </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">PDs reduziert. Ein relativer Anstieg der PD um mindestens 250 Prozent wird als signifikante Erh\u00f6hung des Kreditrisikos </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interpretiert. Bei l\u00e4ngeren Laufzeiten wird die Schwelle von 250 Prozent reduziert, um den Laufzeiteffekt zu ber\u00fccksichtigen. </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Retail-Forderungen werden die kumulierten Restlaufzeit-PDs verglichen. Dabei wird, bedingt auf das \u00dcberleben bis zum </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stichtag, die Logit-Differenz (i.e. Logit ist in der Statistik der nat\u00fcrliche Logarithmus einer Chance) zwischen der Lifetime-PD </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Stichtag und der Lifetime-PD zum urspr\u00fcnglichen Buchungszeitpunkt verglichen. Hierbei wird im Allgemeinen dann von </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem signifikanten Anstieg des Kreditrisikos ausgegangen, wenn ein relativer Anstieg der kumulierten Restlaufzeit-PD \u00fcber </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem bestimmten Schwellenwert liegt. Die Schwellenwerte werden getrennt f\u00fcr jedes Portfolio, das durch individuelle </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratingbasierte Lifetime-PD-Modelle abgedeckt wird, berechnet. Dabei werden die Schwellenwerte basierend auf historischen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten als ein bestimmtes Quantil der Verteilung der oben genannten Logit-Differenzen auf das sich verschlechternde Portfolio <span class=\"f ps24\"> </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(gruppiert nach L\u00e4ndern und Produkten wie Hypothekarkredite, Kreditkarten und SME-Kredite) gesch\u00e4tzt. Das bedeutet in der </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regel eine vom Ausfallverhalten der verschiedenen Portfolios abh\u00e4ngige PD-Erh\u00f6hung zwischen 150 und 250 Prozent.</span></div><div class=\"ps24530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualitative Kriterien<span id=\"id9af93b40f6f4528999e37eb8eed006b\"></span></span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI verwendet f\u00fcr alle wesentlichen Portfolios zus\u00e4tzlich zu quantitativen Kriterien auch qualitative, um eine signifikante </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erh\u00f6hung des Kreditrisikos eines Finanzinstruments festzustellen. </span></div><div class=\"ps3372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, Kreditinstitute und Projektfinanzierung findet ein Transfer in </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 2 statt, wenn den Kreditnehmer eines oder mehrere der folgenden Kriterien betreffen: </span></div><div class=\"ps24531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erkennung einer Verschlechterung der Kreditw\u00fcrdigkeit im Early-Warning-System</span></div><div class=\"ps24532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00c4nderungen von Vertragsbedingungen im Rahmen einer Forbearance-Ma\u00dfnahme</span></div><div class=\"ps24534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Externe Risikofaktoren mit einem potenziell signifikanten Einfluss auf die R\u00fcckzahlungsf\u00e4higkeit der </span><span class=\"f charStyle-9eccfdcb ps24533\">Kund:innen</span></div><div class=\"ps24535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Portfolios der Bereiche Firmenkunden, \u00f6ffentlicher Sektor, </span></div><div class=\"ps24537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitute und Projektfinanzierung durchgef\u00fchrt. </span></div><div class=\"ps24538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr Retail-Portfolios wird ein Stage-2-Transfer auf Basis folgender qualitativer Kriterien durchgef\u00fchrt, das hei\u00dft, wenn der </span></div><div class=\"ps24539 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmer eines oder mehrere der folgenden Kriterien erf\u00fcllt: </span></div><div class=\"ps24540 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Forbearance Flag aktiv</span></div><div class=\"ps24541 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ausfall eines materiellen Exposures (&gt;20 Prozent vom Gesamtexposure) derselben Kund:innen auf einem anderen </span></div><div class=\"ps24542 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Produkt (PI Segment)</span></div><div class=\"ps24543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Holistic Approach \u2013 anwendbar f\u00fcr F\u00e4lle, in denen neue zukunftsorientierte Informationen f\u00fcr ein Segment oder einen </span></div><div class=\"ps24544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Teil des Portfolios verf\u00fcgbar werden und diese Informationen noch nicht im Ratingsystem erfasst sind. Bei </span></div><div class=\"ps24545 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Identifikation solcher F\u00e4lle bewertet das Management dieses Portfolio mit den \u00fcber die gesamte Laufzeit </span></div><div class=\"ps24546 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">erwarteten Kreditverlusten (als kollektive Bewertung).</span></div><div class=\"ps24547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung einer signifikanten Erh\u00f6hung des Kreditrisikos ber\u00fccksichtigt zukunftsorientierte Informationen und wird </span></div><div class=\"ps24548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich auf Einzelgesch\u00e4ftsebene f\u00fcr alle von der RBI gehaltenen Retail-Kundenportfolios durchgef\u00fchrt. </span></div><div class=\"ps24549 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Backstop Kriterien<span id=\"ieab3601c46a840f78ffd363ad323dbf9\"></span></span></div><div class=\"ps4911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Backstop wird angewendet und eine signifikante Erh\u00f6hung des Kreditrisikos eines Finanzinstruments angenommen, wenn </span></div><div class=\"ps4912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Zahlungen mehr als 30 Tage \u00fcberf\u00e4llig sind. In Ausnahmef\u00e4llen besteht die M\u00f6glichkeit die 30-Tage Regelung zu </span></div><div class=\"ps4913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">widerlegen, jedoch wird diese Ausnahme in der RBI nicht angewendet.</span></div><div class=\"ps24550 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausnahme f\u00fcr niedrige Ausfallrisiken<span id=\"i2046a82267a54d92b2626962b56209cd\"></span></span></div><div class=\"ps24551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In ausgew\u00e4hlten F\u00e4llen f\u00fcr staatliche Schuldverschreibungen macht die RBI von der Ausnahmeregelung f\u00fcr Finanzinstrumente </span></div><div class=\"ps24552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit geringem Kreditrisiko Gebrauch. All jene Wertpapiere, die als geringes Kreditrisiko eingestuft werden, haben ein Rating, das </span></div><div class=\"ps24553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mindestens einem Investment-Grade-Rating entspricht, d. h. mindestens Standard &amp; Poor's BBB-, Moody's Baa3 oder Fitch BBB-. </span></div><div class=\"ps24554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Kreditgesch\u00e4ft ist diese Ausnahmeregelung nicht anwendbar.</span></div><div class=\"ps24555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Definition der Begriffe Ausfall und wertgeminderte Verm\u00f6genswerte<span id=\"ic3b68ba2e1dd40379558ee16897782a0\"></span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Berechnung der erwarteten Kreditverluste gem\u00e4\u00df IFRS 9 verwendet die RBI dieselbe Ausfallsdefinition wie f\u00fcr die CRR-</span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenmittelrechnung. Das hei\u00dft eine ausgefallene Forderung ist auch in Stage 3. Der Ausfall wird anhand quantitativer und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">qualitativer Kriterien beurteilt. Als ausgefallen gilt ein Kredit, erstens wenn vertragliche Zahlungen mehr als 90 Tage \u00fcberf\u00e4llig </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Zweitens gilt ein Kredit als ausgefallen, wenn es zu erheblichen finanziellen Schwierigkeiten kommt und es <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwahrscheinlich ist, dass den Zahlungsverpflichtungen nachgekommen wird. Die Definition eines Ausfalls wurde in den </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnungen der erwarteten Kreditverluste der RBI zur Abbildung der Ausfallwahrscheinlichkeit (PD), des ausstehenden </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrags zum Zeitpunkt des Ausfalls (EAD) sowie der Verlustquote bei Ausfall (LGD) einheitlich angewendet. </span></div><div class=\"ps16059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Erl\u00e4uterung der Input-Daten, Annahmen und Sch\u00e4tztechniken<span id=\"i7cd82382d6984fa192eea97210231401\"></span></span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust wird entweder auf der Basis einer Zw\u00f6lf-Monats-Betrachtung oder einer Betrachtung der \u00fcber die </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Restlaufzeit erwarteten Kreditverluste berechnet \u2013 je nachdem, ob seit dem erstmaligen Ansatz eine signifikante Erh\u00f6hung des <span class=\"f ps24\"> </span></span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisikos eingetreten ist, oder ob ein Verm\u00f6genswert als wertgemindert angesehen wird. Zukunftsorientierte <span class=\"f ps24\"> </span></span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wirtschaftliche Informationen werden ebenfalls in die Bestimmung der PD, EAD und LGD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jener f\u00fcr die Gesamtlaufzeit einbezogen. Diese Annahmen unterscheiden sich je nach Produktart. Die erwarteten Kreditverluste </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind das diskontierte Produkt aus der Ausfallwahrscheinlichkeit (PD), der Verlustquote bei Ausfall (LGD), dem ausstehenden </span></div><div class=\"ps22507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag zum Zeitpunkt des Ausfalls (EAD) und dem Diskontierungsfaktor (Discount Factor, D). </span></div><div class=\"ps24556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausfallwahrscheinlichkeit (PD)<span id=\"i465ca4ed013b4867af80a8b6d695a750\"></span></span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit, mit der ein Kreditnehmer entweder innerhalb der n\u00e4chsten zw\u00f6lf </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monate oder in der gesamten Restlaufzeit seinen Zahlungsverpflichtungen nicht nachkommen kann. Im Allgemeinen wird die </span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeit \u00fcber die Laufzeit ausgehend von der regulatorischen Zw\u00f6lf-Monats-Ausfallwahrscheinlichkeit </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechnet, bereinigt um jegliche konservativen Anpassungen. Danach werden verschiedene statistische Methoden zur </span></div><div class=\"ps19113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einsch\u00e4tzung der Entwicklung des Ausfallprofils vom Zeitpunkt des erstmaligen Ansatzes \u00fcber die Gesamtlaufzeit des Kredits </span></div><div class=\"ps19114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder des Kreditportfolios angewendet. Das Ausfallsprofil beruht auf historischen beobachteten Daten.</span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung des Ausfallprofils ausstehender Kreditbetr\u00e4ge wurden verschiedene Modelle verwendet, die sich in die folgenden </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kategorien zusammenfassen lassen:</span></div><div class=\"ps24559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-525aaa30 ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen und Finanzinstitute: Das Ausfallprofil wird unter Verwendung eines </span></div><div class=\"ps24560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">parametrischen \u00dcberlebensregressionsansatzes (Burr-Typ 12 und Weibull) erstellt. Zukunftsorientierte Informationen </span></div><div class=\"ps24561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen. Die Kalibrierung der </span></div><div class=\"ps24562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallwahrscheinlichkeiten wird bereinigt f\u00fcr k\u00fcrzere Laufzeiten und fr\u00fchzeitige R\u00fcckzahlungen.</span></div><div class=\"ps24563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Das Ausfallprofil wird mithilfe einer parametrischen </span></div><div class=\"ps24564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">\u00dcberlebensregression in einem konkurrierenden Risikorahmen erstellt. Zukunftsorientierte Informationen werden </span></div><div class=\"ps24565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">unter Verwendung von Satellitenmodellen in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor, Kommunal- und Regionalregierungen, Versicherungen und Organismen f\u00fcr gemeinsame Anlagen </span></div><div class=\"ps24567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">in Wertpapieren (OGAW): Das Ausfallprofil wird mithilfe eines \u00dcbergangsmatrix-Ansatzes erstellt. Zukunftsorientierte </span></div><div class=\"ps24568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Informationen werden unter Verwendung eines Ein-Faktor-Modells in die Ausfallwahrscheinlichkeit einbezogen.</span></div><div class=\"ps24569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig verf\u00fcgbar sind, werden f\u00fcr die Berechnung die Techniken </span></div><div class=\"ps24570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Gruppierung, der Mittelung und des Benchmarkings der Input-Daten verwendet. </span></div><div class=\"ps24571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verlustquote bei Ausfall (LGD)<span id=\"i1e99888e28764a37b8b187e442df7dc8\"></span></span></div><div class=\"ps24572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verlustquote bei Ausfall entspricht der Erwartung der RBI bez\u00fcglich der Verlusth\u00f6he bei einem Forderungsausfall. Sie </span></div><div class=\"ps24573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden bei Ausfall als prozentualer Verlust pro Einheit des ausstehenden Betrags zum Zeitpunkt des Ausfalls ausgedr\u00fcckt. </span></div><div class=\"ps24574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verschiedene Modelle werden zur Sch\u00e4tzung der Verlustquote ausstehender Kreditforderungen verwendet. Sie lassen sich in </span></div><div class=\"ps24575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Kategorien zusammenfassen:</span></div><div class=\"ps24576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, Finanzinstitute, Kommunal- und Regionalregierungen, Versicherungen: Die </span></div><div class=\"ps24577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verlustquote bei Ausfall wird durch die Diskontierung von Cash-Flows berechnet, die w\u00e4hrend des Workout-</span></div><div class=\"ps24578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Prozesses eingetrieben werden. Zukunftsorientierte Informationen werden unter Verwendung eines Ein-Faktor-</span></div><div class=\"ps24579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modells in die Verlustquote bei Ausfall einbezogen. W\u00e4hrend Immobiliensicherheiten direkt bei der Reduktion des </span></div><div class=\"ps24580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ausstehenden Forderungswerts ber\u00fccksichtigt werden, haben andere Sicherheiten bereits bei der Modellierung im </span></div><div class=\"ps24581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">statistischen Mittelwert des LGD einen reduzierenden Effekt.</span></div><div class=\"ps24582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Privatkundenkredite und Hypothekarkredite: Die Verlustquote bei Ausfall wird berechnet, indem die regulatorische </span></div><div class=\"ps24583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote um Anpassungen f\u00fcr einen Konjunkturabschwung und andere konservative Abschl\u00e4ge bereinigt wird. </span></div><div class=\"ps24584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Zukunftsorientierte Informationen werden unter Verwendung von verschiedenen Satellitenmodellen in die </span></div><div class=\"ps24585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfallquote einbezogen.</span></div><div class=\"ps24586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6ffentlicher Sektor: Die Ausfallquote wird mithilfe marktimpliziter Quellen ermittelt.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Je nach Art des Kreditunternehmens (Bank/Leasing) kommen unterschiedliche LGD-Sch\u00e4tzungen zum Einsatz. </span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur Verf\u00fcgung stehen, werden alternative Recovery-</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle, das Benchmarking von Input-Daten sowie die Fachmeinung von Experten f\u00fcr die Berechnung herangezogen.</span></div><div class=\"ps24588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausstehender Betrag zum Zeitpunkt des Ausfalls (EAD)<span id=\"ib6d46c78acf447c9bbcf66c9abe28027\"></span></span></div><div class=\"ps24589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der ausstehende Betrag zum Zeitpunkt des Ausfalls entspricht jenem Betrag, den die RBI zum Zeitpunkt des Ausfalls als </span></div><div class=\"ps24590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausstehend erwartet. Das EAD f\u00fcr einen Zw\u00f6lf-Monats-Horizont und die Gesamtlaufzeit werden auf Grundlage des erwarteten </span></div><div class=\"ps13919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsprofils ermittelt, das sich je nach Vertrag unterscheidet. F\u00fcr amortisierende Produkte und f\u00fcr endf\u00e4llige Kredite beruht </span></div><div class=\"ps13920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses auf den vertraglichen R\u00fcckzahlungen, die der Kreditnehmer \u00fcber einen Zeitraum von zw\u00f6lf Monaten oder \u00fcber die </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtlaufzeit schuldet. Sofern nicht schon im Rahmen der PD-Sch\u00e4tzung \u00fcber die Kreditlaufzeit ber\u00fccksichtigt, werden </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Annahmen bez\u00fcglich vorzeitiger (vollst\u00e4ndiger) R\u00fcckzahlung oder Refinanzierung ebenfalls bei der Berechnung ber\u00fccksichtigt.</span></div><div class=\"ps24591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr revolvierende Produkte wird der ausstehende Betrag zum Zeitpunkt des Ausfalls so bestimmt, dass zum momentan </span></div><div class=\"ps24592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezogenen Betrag die erwartete Inanspruchnahme des verbleibenden Limits addiert wird. Dieser zus\u00e4tzliche Betrag ist das </span></div><div class=\"ps24593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Produkt aus dem verbleibenden Limit und dem Kreditkonversionsfaktor. Der Kreditkonversionsfaktor wird um die </span></div><div class=\"ps24594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorischen Sicherheitsmargen bereinigt. In den wenigen F\u00e4llen, in denen einzelne Input-Daten nicht vollst\u00e4ndig zur </span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgung stehen, wird ein Benchmarking der Input-Daten f\u00fcr die Berechnung verwendet.</span></div><div class=\"ps24596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Diskontierungsfaktor (D)<span id=\"i78e949bab2ac459fa1f524fb8c26f3bf\"></span></span></div><div class=\"ps24597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr finanzielle Verm\u00f6genswerte und au\u00dferbilanzielle Verm\u00f6genswerte, bei denen es sich nicht um Leasing oder POCI handelt, </span></div><div class=\"ps24598 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist der bei der Berechnung des erwarteten Kreditverlusts verwendete Diskontierungsfaktor aus dem Effektivzinssatz abgeleitet </span></div><div class=\"ps24599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder ein N\u00e4herungswert davon.</span></div><div class=\"ps24600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Berechnung<span id=\"i96b390bf8a8f46b3bced9e86e26c7818\"></span></span></div><div class=\"ps21076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der erwartete Kreditverlust f\u00fcr Stage 1 und 2 ist das Produkt aus PD, LGD und EAD, multipliziert mit der Wahrscheinlichkeit, nicht </span></div><div class=\"ps21077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor dem betreffenden Zeitraum auszufallen. Letzteres wird durch die \u00dcberlebensfunktion S ausgedr\u00fcckt. Die dadurch </span></div><div class=\"ps21080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechneten zuk\u00fcnftigen Werte erwarteter Kreditverluste werden sodann auf den Berichtszeitpunkt diskontiert und summiert. </span></div><div class=\"ps21081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ergebnisse daraus werden schlie\u00dflich je nach zukunftsorientiertem Szenario gewichtet.</span></div><div class=\"ps24601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Sch\u00e4tzung der Wertminderungen f\u00fcr Stage 3 werden verschiedene Modelle verwendet, die sich in die folgenden Kategorien </span></div><div class=\"ps21083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammenfassen lassen:</span></div><div class=\"ps24602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Firmenkunden, Projektfinanzierungen, \u00f6ffentlicher Sektor, Finanzinstitute, Kommunal- und Regionalregierungen, </span></div><div class=\"ps24603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherungen und Organismen f\u00fcr gemeinsame Anlagen in Wertpapieren: Die Wertminderung der Stage 3 wird von </span></div><div class=\"ps24604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Workout-Managern berechnet, die die erwarteten Cash-Flows mit dem geeigneten Effektivzinssatz diskontieren.</span></div><div class=\"ps24605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr Retail-Forderungen werden Wertminderungen der Stage 3 bei der Mehrheit der Konzerneinheiten durch die </span></div><div class=\"ps24606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Berechnung der statistisch abgeleiteten besten Sch\u00e4tzung des erwarteten Verlusts, bereinigt um indirekte Kosten, </span></div><div class=\"ps24607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ermittelt.</span></div><div class=\"ps24608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Gemeinsame Ausfallrisikoeigenschaften in Gruppen<span id=\"i367ddd3d5ec54550ab106c01c99166fd\"></span></span></div><div class=\"ps24609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Retail-Wertminderungen der Stage 1, Stage 2 und Stage 3 werden kollektiv bewertet. F\u00fcr die Non-Retail-Gesch\u00e4fte der </span></div><div class=\"ps24610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 3 werden die Wertminderungen einzeln bewertet. F\u00fcr die Bemessung der erwarteten Kreditverluste auf kollektiver Basis </span></div><div class=\"ps24611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird eine Gruppierung von Risikopositionen auf Grundlage gemeinsamer Kreditrisikomerkmale (im Sinn von </span></div><div class=\"ps24612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallrisikoeigenschaften) durchgef\u00fchrt, sodass die Risikopositionen innerhalb jeder Gruppe \u00e4hnlich sind. </span></div><div class=\"ps20385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Charakteristika von Retail-Krediten sind auf Ebene der L\u00e4nder, der Kundenklassifizierungen (Haushalte und Klein- und </span></div><div class=\"ps20386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mittelbetriebe), der Produkte (z. B. Hypotheken, pers\u00f6nliche Darlehen, Kontokorrentkredite oder Kreditkarten), der Rating-Stufen </span></div><div class=\"ps20387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die Ausfallwahrscheinlichkeit und der LGD-Pools zusammengefasst. Jede Kombination der aufgez\u00e4hlten Charakteristika </span></div><div class=\"ps24613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird als Gruppe mit einheitlichem erwartetem Verlustprofil betrachtet. </span></div><div class=\"ps24614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Non-Retail-Gesch\u00e4fte werden nach Rating-Stufen und Kundensegmenten einer Ausfallwahrscheinlichkeit zugeordnet. Dabei </span></div><div class=\"ps24615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden Kundentypen zu einzelnen Ratingmodellen zusammengefasst. F\u00fcr die Ermittlung der LGD- und EAD-Parameter wird das </span></div><div class=\"ps24616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio nach L\u00e4ndern gruppiert. </span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zukunftsorientierte Informationen<span id=\"i54759fc0145e4429af45db728217425d\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grunds\u00e4tzlich werden bei der IFRS-9-spezifischen Sch\u00e4tzung der Risikoparameter neben historischen Ausfallinformationen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere auch das aktuelle wirtschaftliche Umfeld sowie zukunftsorientierte Informationen ber\u00fccksichtigt. Insbesondere </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden dabei makro\u00f6konomische Prognosen der RBI regelm\u00e4\u00dfig im Hinblick auf ihre Auswirkungen auf die H\u00f6he des ECL </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gepr\u00fcft und in die ECL-Ermittlung einbezogen. </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der signifikanten Erh\u00f6hung des Kreditrisikos und die Berechnung der erwarteten Kreditverluste beziehen beide </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch zukunftsorientierte Informationen mit ein. Die RBI hat historische Analysen durchgef\u00fchrt und makro\u00f6konomische </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schl\u00fcsselfaktoren identifiziert, die sich auf das Kreditrisiko und die erwarteten Kreditverluste auswirken. </span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese \u00f6konomischen Variablen und ihre Auswirkungen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall </span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterscheiden sich je nach Kategorie. Prognosen f\u00fcr diese \u00f6konomischen Variablen (das \u00f6konomische Basis-Szenario) werden </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">quartalsweise von Raiffeisen Research zur Verf\u00fcgung gestellt und vermitteln ein Best-Estimate-Bild der Volkswirtschaft in den </span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">n\u00e4chsten drei Jahren. Jenseits von drei Jahren wird keine makro\u00f6konomische Anpassung durchgef\u00fchrt. Das hei\u00dft f\u00fcr den </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitraum \u00fcber diese drei Jahre hinaus wurde zur Prognose der \u00f6konomischen Variablen f\u00fcr die gesamte Restlaufzeit jedes </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Instruments ein Mittelwertr\u00fcckkehr-Ansatz (Mean Reversion) verwendet. Demnach tendieren \u00f6konomische Variablen bis zur </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00e4lligkeit entweder zu einem langfristigen Durchschnittswert oder zu einer langfristigen Durchschnitts-Wachstumsrate. Die </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen dieser \u00f6konomischen Variablen auf die Ausfallwahrscheinlichkeit und die Verlustquote bei Ausfall wurden mithilfe </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">statistischer Regressionen bestimmt, um daraus die historischen Auswirkungen der \u00c4nderungen dieser Variablen auf die </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallraten und die Komponenten der Verlustquote bei Ausfall zum Zeitpunkt des Ausfalls zu erkennen. </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zum Basis-Szenario sch\u00e4tzt Raiffeisen Research auch ein optimistisches und ein pessimistisches Szenario, um </span></div><div class=\"ps16739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sicherzustellen, dass die Nichtlinearit\u00e4t des ECL in Abh\u00e4ngigkeit der Makro\u00f6konomie erfasst wird. </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die pessimistischen und optimistischen Szenarien wurde die Methodik aufgrund der diversen hohen Unsicherheiten </span></div><div class=\"ps16741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepasst. So wie alle \u00f6konomischen Vorhersagen unterliegen auch die hier beschriebenen Prognosen und </span></div><div class=\"ps16742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eintrittswahrscheinlichkeiten einer hohen inh\u00e4renten Unsicherheit. Die tats\u00e4chlichen Ergebnisse k\u00f6nnen somit erheblich von den </span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">prognostizierten abweichen. RBI sieht diese Prognosen jedoch als die bestm\u00f6gliche Sch\u00e4tzung der k\u00fcnftigen Ergebnisse an, die <span class=\"f ps24\"> </span></span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch allf\u00e4llige Nichtlinearit\u00e4ten und Asymmetrien in den verschiedenen Portfolios des Konzerns abdecken.</span></div><div class=\"ps24620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Nachstehend sind die wichtigsten makro\u00f6konomischen Annahmen der wesentlichsten L\u00e4nder, die f\u00fcr Sch\u00e4tzungen der </span></span></div><div class=\"ps24622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erwarteten Kreditverluste zum Ende des Jahres verwendet wurden, angegeb</span></span><span class=\"f charStyle-9eccfdcb ps24621\">en. (Quelle: Raiffeisen Research, November 2025, </span></div><div class=\"ps24623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">exklusive Ukraine).</span></div><div class=\"ps24757 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24626\">Arbeitslosigkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">6,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17131\"></span><span class=\"ps17131\">-0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7359\"></span><span class=\"ps7359\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19532\"></span><span class=\"ps19532\">-1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18104\"></span><span class=\"ps18104\">-0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23812\"></span><span class=\"ps23812\">-0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">8,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17956\"></span><span class=\"ps17956\">7,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">9,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24690\"></span><span class=\"ps24690\">10,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17702\"></span><span class=\"ps17702\">-0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">0,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">0,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">5,1 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps23265\">Langfristiger Anleihenzinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24759\">Immobilienpreise<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17889\"></span><span class=\"ps17889\">1,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17780\"></span><span class=\"ps17780\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">0,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22706\"></span><span class=\"ps22706\">1,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">1,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">4,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24760\"></span><span class=\"ps24760\">0,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">0,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18777\"></span><span class=\"ps18777\">11,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">9,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">9,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17766\"></span><span class=\"ps17766\">22,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5662\"></span><span class=\"ps5662\">13,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15649\"></span><span class=\"ps15649\">12,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12560\"></span><span class=\"ps12560\">10,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">13,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">13,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24761\"></span><span class=\"ps24761\">11,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10683\"></span><span class=\"ps10683\">11,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">5,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">1,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19446\"></span><span class=\"ps19446\">9,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">9,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24762\"></span><span class=\"ps24762\">12,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">8,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">8,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">5,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12617\"></span><span class=\"ps12617\">11,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">6,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17400\"></span><span class=\"ps17400\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">7,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24765 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps20713\">Verbraucherpreisindex<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24641 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24642 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24643 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17368 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17370 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17372 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps102 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24644 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24646 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24647 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17374 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17375 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17376 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24648 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24649 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15113\"></span><span class=\"ps15113\">3,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24650 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17377 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10982 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17379 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24651 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24652 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24653 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17381 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13435\"></span><span class=\"ps13435\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17385 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17387 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24658\"></span><span class=\"ps24658\">2,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps140 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24654 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24655 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24656 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17391 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17392 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17394 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24657 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24659 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24660 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17399 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17401 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24661 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24662 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">4,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12900 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17403 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17405 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22283\"></span><span class=\"ps22283\">12,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17406 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">7,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps171 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24663 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24664 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">5,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4248 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17410 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17412 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23322\"></span><span class=\"ps23322\">13,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">8,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17416 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">8,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24665 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24666 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">7,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12919 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17417 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24753\"></span><span class=\"ps24753\">5,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17419 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7310\"></span><span class=\"ps7310\">14,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21660\"></span><span class=\"ps21660\">10,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17421 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17457\"></span><span class=\"ps17457\">9,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24668 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">6,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12928 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17422 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17423 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17425 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps207 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24670 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24671 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">7,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13110 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17428 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17429 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17431 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17432 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24672 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24673 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24637\"></span><span class=\"ps24637\">8,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24674 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17434 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">7,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17436 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17409\"></span><span class=\"ps17409\">5,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17438 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24675 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24676 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24678 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17440 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17441 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17442 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps239 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24679 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24680 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24681 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24682 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24683 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11018 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24684 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24685 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24686 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24687 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24688 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24689 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18401\"></span><span class=\"ps18401\">6,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24691 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22677\"></span><span class=\"ps22677\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24692 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24693 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24694 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24695 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24636\"></span><span class=\"ps24636\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24696 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24697 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24698 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20518\"></span><span class=\"ps20518\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24699 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps276 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24700 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24701 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24669\"></span><span class=\"ps24669\">3,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24702 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24703 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24704 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24705 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24706 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15110\"></span><span class=\"ps15110\">2,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24707 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24708 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17486\"></span><span class=\"ps17486\">5,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24709 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24710 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24711 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17799\"></span><span class=\"ps17799\">2,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24712 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24713 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17200\"></span><span class=\"ps17200\">2,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24714 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24715 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15124\"></span><span class=\"ps15124\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24716 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15125\"></span><span class=\"ps15125\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24717 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17782\"></span><span class=\"ps17782\">1,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24718 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24719 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24720 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps309 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24721 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24722 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24723 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">2,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24724 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24725 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19433\"></span><span class=\"ps19433\">3,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24726 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">3,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24727 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24677\"></span><span class=\"ps24677\">3,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24728 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24729 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24730 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24731 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24732 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">4,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24733 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24734 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24735 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24736 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17793\"></span><span class=\"ps17793\">3,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24737 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24738 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">2,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24739 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24740 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24741 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">3,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps335 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24742 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24743 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1456\"></span><span class=\"ps1456\">4,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24744 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24745 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17587\"></span><span class=\"ps17587\">3,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24746 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24631\"></span><span class=\"ps24631\">6,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24747 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24633\"></span><span class=\"ps24633\">5,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24748 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24482\"></span><span class=\"ps24482\">4,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24749 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24750 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24764\"></span><span class=\"ps24764\">10,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24751 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24752 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17398\"></span><span class=\"ps17398\">4,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24754 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24645\"></span><span class=\"ps24645\">8,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24755 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17498\"></span><span class=\"ps17498\">6,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24756 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22603\"></span><span class=\"ps22603\">6,2 %</span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufgrund des andauernden Krieges wurde f\u00fcr die Ukraine das optimistische Szenario nicht miteinbezogen. Des weiteren basiert </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">das pessimistische Szenario nicht auf dem mathematischen Ansatz, der von Raiffeisen Research ver\u00f6ffentlicht wird, sondern </span></span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf einer narrativen Darstellung und wird mit 50 Prozent gewichtet. </span></span><span class=\"f charStyle-9eccfdcb ps24767\">Da f\u00fcr die Ukraine historische Daten nicht repr\u00e4sentativ </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind beziehungsweise aufgrund der aktuellen Umst\u00e4nde teilweise nicht zur Verf\u00fcgung stehen, wurden in die ukrainische ECL-</span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung ein abgeleitetes reales BIP und ein abgeleiteter kurzfristiger Zinssatz als makro\u00f6konomische Inputparameter </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einbezogen.</span></div><div class=\"ps24768 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24625 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24624\">Reales BIP<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1367\"><div><div class=\"ps31 ss1366\"><span class=\"f charStyle-1dbd4d87 ps24763\">Kurzfristiger Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24628 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17346 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps24629\">2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12387\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17348 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8018\">2026<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17349 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7881\">2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24630 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Positives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24632 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5669 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17351 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17353 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17354 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17355 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17900\"></span><span class=\"ps17900\">\u2014<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps64 ss6\"><div><div class=\"ps3137 ss5\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24634 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24635 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7210\"></span><span class=\"ps7210\">3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5677 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18523\"></span><span class=\"ps18523\">4,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17357 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16298\"></span><span class=\"ps16298\">4,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17358 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19508\"></span><span class=\"ps19508\">13,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17359 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12548\"></span><span class=\"ps12548\">10,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17360 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22617\"></span><span class=\"ps22617\">8,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24638 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps30\">Negatives Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24639 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17913\"></span><span class=\"ps17913\">-14,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24640 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17532\"></span><span class=\"ps17532\">-8,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17361 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps458\"></span><span class=\"ps458\">-3,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17362 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19510\"></span><span class=\"ps19510\">22,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17363 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22292\"></span><span class=\"ps22292\">18,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17365 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7260\"></span><span class=\"ps7260\">17,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Modellentwicklung wurde eine Vielzahl makro\u00f6konomischer Variablen analysiert und die wesentlichen wurden f\u00fcr das </span></div><div class=\"ps24770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modell herangezogen. Das verwendete Modell ist ein Regressionsmodell mit dem Ziel, Ver\u00e4nderungen bzw. die H\u00f6he der </span></div><div class=\"ps24771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallquote zu erkl\u00e4ren. Die folgenden Arten von Makrovariablen wurden als Treiber des Kreditzyklus betrachtet: Reales BIP-</span></div><div class=\"ps24772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wachstum, Arbeitslosenquote, 3-Monats-Geldmarktzins, Rendite 10-j\u00e4hriger Staatsanleihen, der Renditespread 10-j\u00e4hriger </span></div><div class=\"ps24773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Staatsanleihen gegen\u00fcber Deutschland, Hauspreisindex, Wechselkurse und Verbraucherpreisindex. F\u00fcr jedes Land (oder jedes </span></div><div class=\"ps24774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio im Fall von Retail-Exposures) werden spezifische Regeln zur Erkl\u00e4rung historisch beobachteter Ausfallraten bestimmt. </span></div><div class=\"ps24775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrend des Kreditzyklus werden PDs mit den Ergebnissen des makro\u00f6konomischen Modells \u00fcberlagert, um den aktuellen und </span></div><div class=\"ps24776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwarteten Zustand der Wirtschaft widerzuspiegeln. F\u00fcr Firmenkunden wird zus\u00e4tzlich je nach Industrie der Zustand im </span></div><div class=\"ps24777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditzyklus ber\u00fccksichtigt. W\u00e4hrend f\u00fcr Firmenkunden in Industrien mit neutralem Ausblick keine weitere Anpassung der </span></div><div class=\"ps24778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makromodelle vorgenommen wird, wird f\u00fcr Firmenkunden in Industrien mit schlechtem Ausblick das erwartete Kreditrisiko als </span></div><div class=\"ps24779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich erh\u00f6ht angenommen. F\u00fcr Non-Retail-Exposures wird f\u00fcr die LGD das Makromodell auf die zugrunde liegenden </span></div><div class=\"ps24780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesundungsraten angewendet, d. h. ein positiver makro\u00f6konomischer Ausblick treibt die Gesundungsraten in die H\u00f6he und dies </span></div><div class=\"ps24781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">reduziert die LGD. F\u00fcr Retail-Exposures wird die Workout-LGD in \u00e4hnlicher Weise wie die Ausfallraten entweder direkt oder </span></div><div class=\"ps13688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlich \u00fcber die Komponenten wie Gesundungsraten, Verlust bei Gesundung sowie Verlust bei Nichtgesundung modelliert. </span></div><div class=\"ps24782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die langfristigen durchschnittlichen LGDs werden mit den Ergebnissen der Makromodelle \u00fcberlagert, um die aktuelle und </span></div><div class=\"ps24783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartete Wirtschaftslage widerzuspiegeln. Den einzelnen Szenarien wurden zum Ende des Berichtsjahres folgende </span></div><div class=\"ps24784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewichtungen zugeteilt: optimistisches Szenario 25 Prozent, Basis-Szenario 50 Prozent, pessimistisches Szenario 25 Prozent. </span></div><div class=\"ps24785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden sind folgende auf aktuelle wirtschaftliche und politische Entwicklungen zur\u00fcckzuf\u00fchrende Risiken und </span></span></div><div class=\"ps24786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Komplikationen in den makro\u00f6konomischen Modellen ber\u00fccksichtigt. Historisch hohe Inflationsraten in Kombination mit </span></span></div><div class=\"ps24787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6heren Leitzinsen f\u00fchrten zu einem Anstieg der Finanzierungskosten von Firmen. Diese Entwicklung wird in den Modellen </span></span></div><div class=\"ps24788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">wichtiger Portfoliosegmente mit der Ver\u00e4nderung des 3-Monate-Geldmarktzinses sowie der Rendite von Staatsanleihen </span></span></div><div class=\"ps24789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">erfasst, die zu einem Anstieg des prognostizierten Ausfallsrisikos f\u00fchrt. Zwar k\u00f6nnen hohe Inflationsraten in bivariaten Analysen </span></span></div><div class=\"ps24790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">mit h\u00f6herem Ausfallsrisiko assoziiert sein, die zugrunde liegenden Mechanismen sind aber die von Inflation verursachten </span></span></div><div class=\"ps24791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zinserh\u00f6hungen sowie ein oft gleichzeitig auftretendes tendenziell niedrigeres Wirtschaftswachstum. Diese Mechanismen sind </span></span></div><div class=\"ps24792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den Modellen \u00fcber reales Wirtschaftswachstum und Zinsver\u00e4nderungen direkt abgedeckt. Aus makro\u00f6konomischer Sicht </span></span></div><div class=\"ps24793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">waren die COVID-Pandemie und ihre Folgen von extremer Volatilit\u00e4t gepr\u00e4gt, mit starken Reduktionen des realen BIP und </span></span></div><div class=\"ps24794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">anschlie\u00dfend ebenso starkem Wirtschaftswachstum. Im Gegensatz zu vergleichbaren Rezessionen nach der Finanzkrise sind </span></span></div><div class=\"ps24795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diese Entwicklungen nicht mit einer Welle von Insolvenzen und Kreditausf\u00e4llen einhergegangen. Das ist auf zwei Ursachen </span></span></div><div class=\"ps24796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zur\u00fcckzuf\u00fchren. Zum einen war die COVID-bedingte Rezession in erster Linie ein tempor\u00e4res Aussetzen wirtschaftlicher </span></span></div><div class=\"ps24797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aktivit\u00e4t, das wenige strukturelle Anpassungen erfordert hatte. Zum anderen kam es zu massiven unterst\u00fctzenden politischen </span></span></div><div class=\"ps24798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um einen permanenten Effekt (Arbeitslosigkeit, Insolvenz) zu vermeiden. Diese Entwicklungen zeigen, dass der </span></span></div><div class=\"ps24799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zusammenhang zwischen makro\u00f6konomischen Indikatoren und Kreditrisiko von Umst\u00e4nden beeinflusst wird, die quantitativ </span></span></div><div class=\"ps24800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">schwer erfassbar sind. Um zu vermeiden, dass die makro\u00f6konomischen Modelle implizit davon ausgehen, dass ein starker </span></span></div><div class=\"ps15732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">R\u00fcckgang des BIP-Wachstums immer mit massiven staatlichen Gegenma\u00dfnahmen einhergeht - wie es w\u00e4hrend der COVID-19-</span></span></div><div class=\"ps24801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Pandemie beobachtet wurde -, wurden zus\u00e4tzliche Parameter in die Modelle integriert. Diese Anpassungen werden gezielt auf </span></span></div><div class=\"ps24802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Segmente angewendet, in denen w\u00e4hrend der COVID-Phase kein signifikanter Anstieg des Ausfallrisikos zu verzeichnen war. </span></span></div><div class=\"ps24803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dadurch wird sichergestellt, dass die Prognosen des Modells pr\u00e4zise und unverzerrt bleiben.</span></span></div><div class=\"ps24804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundannahme der Anwendung makro\u00f6konomischer Kreditrisikomodelle ist, dass empirische Zusammenh\u00e4nge zwischen </span></div><div class=\"ps24805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">makro\u00f6konomischen Indikatoren und Ausfallrisiko auf zuk\u00fcnftige Ereignisse extrapoliert werden k\u00f6nnen.</span></div><div class=\"ps24806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Management Overlays <span id=\"ia5c4b0d62c1f4d22b061148d7ba6285e\"></span></span></div><div class=\"ps24807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In Situationen, in denen die bestehenden Input-Parameter, Annahmen und Modellierungen nicht alle relevanten neuartigen </span></span></div><div class=\"ps24808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Risikofaktoren abdecken, stellen Management Overlays eine praktikable L\u00f6sung dar, um eine angemessene Risikovorsorge trotz </span></span></div><div class=\"ps24810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">unzureichender historischer Daten sicherzustellen. </span></span><span class=\"f charStyle-9eccfdcb ps24809\">Dies ist grunds\u00e4tzlich dann der Fall, wenn vor\u00fcbergehende Umst\u00e4nde, </span></div><div class=\"ps24811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zeitliche Engp\u00e4sse, um relevante neue Informationen angemessen in das Rating einzubeziehen, vorliegen und wenn sich </span></div><div class=\"ps24812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelne Kredite innerhalb eines Kreditportfolios anders als urspr\u00fcnglich erwartet entwickeln. Durch die gegebene Situation, </span></div><div class=\"ps24813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere dem Krieg in der Ukraine, und der daraus resultierenden wirtschaftlichen Verwerfungen ist es notwendig, </span></div><div class=\"ps24814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Risiken in den Wertminderungen abzubilden. All diese Anpassungen werden lokal von den Tochterunternehmen </span></div><div class=\"ps24815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlossen und zentral durch das Group Risk Committee (GRC) freigegeben. Es kommt zu portfoliospezifischen Anpassungen </span></div><div class=\"ps24816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Kriegs und der damit einhergehenden Sanktionen, die in der Kategorie geopolitisches Risiko dargestellt werden. </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ihre Anwendungsdauer ist zeitlich begrenzt, oft f\u00fcr die Dauer spezifischer wirtschaftlicher Krisen oder bis Modelle angepasst </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Ihre Anwendung wird quartalsweise gepr\u00fcft. </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr die zentralen Modelle im Bereich der Firmenkunden wird das zus\u00e4tzliche Risiko durch die Anwendung von In-Model </span></span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments (Parameteranpassungen innerhalb des Modells) ber\u00fccksichtigt. Diese Anpassungen k\u00f6nnen an verschiedenen </span></span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellparametern vorgenommen werden, wie z. B. den IFRS 9 PD-Kurven, k\u00fcnftigen Exposure-Profilen, der LGD etc. Die </span></span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bestimmungen f\u00fcr die Anwendung von In-Model Adjustments sind klar geregelt und umfassen unter anderem, erweiterte </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anforderungen an den Nachweis des neuartigen Risikofaktors, eine Analyse potenzieller \u00dcberschneidungen mit bestehenden </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">IFRS 9-Parametern und dem Kreditrisiko-Rating, eine detaillierte Dokumentation und eine starke Governance. Falls das In-Model </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment die angewandte PD erh\u00f6ht, wird dieser h\u00f6here Wert auch f\u00fcr die Staging-Entscheidung herangezogen. Die </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Modellanpassungen unterliegen regelm\u00e4\u00dfigen \u00dcberpr\u00fcfungen, mindestens jedoch auf viertelj\u00e4hrlicher Basis. Ein In-Model </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustment bleibt so lange in Kraft, wie der identifizierte neuartige Risikofaktor fortbesteht und durch die bestehenden Modelle </span></span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht vollst\u00e4ndig abgebildet wird. </span></span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Im Retail Segment wurden ebenfalls In-Model Adjustments implementiert, sofern diese als geeignet angesehen wurden </span></span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dennoch blieben Post-Model Adjustments der vorherrschende Ansatz zur Adressierung neu auftretender Risiken. Diese Overlays </span></span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden zus\u00e4tzlich zu den bestehenden Modellen angewandt, um die erwarteten Kreditverluste zu berechnen. Obwohl Post-</span></span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Model Adjustments als tempor\u00e4re Ma\u00dfnahmen betrachtet werden - mit einer \u00fcblichen G\u00fcltigkeit von ein bis zwei Jahren -, </span></span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">dienen sie als Schutzma\u00dfnahme gegen potenzielle Verzerrungen. Sofern die identifizierten Risiken \u00fcber einen l\u00e4ngeren Horizont </span></span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">fortbestehen, werden sie durch Modellaktualisierungen oder Anpassungen der Modell-Inputs (einschlie\u00dflich In-Model </span></span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Adjustments) adressiert. Damit wird sichergestellt, dass die Modelle das sich entwickelnde Risikoprofil angemessen erfassen. </span></span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Overlays sind in nachfolgender Tabelle nach den relevanten Kategorien dargestellt. </span></div><div class=\"ps24864 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1368\"><div><div class=\"ps5730 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss185\"><div><div class=\"ps18991 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps9380\">Non-Retail Overlays</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1369\"><div><div class=\"ps18991 ss1314\"><span class=\"f charStyle-3e64e966 ps21353\">Retail Overlays</span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss1370\"><div><div class=\"ps18991 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2997 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24819 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24820 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24821 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24822 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14187 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24194 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps12533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24823 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24824 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24825 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24826 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24827 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps23844\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24204 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps2768\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24828 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24829 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17895\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24830 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24831 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24832 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24206\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24213 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20227\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24833 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24834 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24835 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24836 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24837 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24233\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24221 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21345\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24838 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21935\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24839 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24840 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24841 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24842 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19921\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps24843\">215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24844 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps1085\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24845 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19689\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24847 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24846\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24848 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17673\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24849 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19286\">524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24255 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17779\">247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24850 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21944\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24851 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24852 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps23786\">79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24853 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17760\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24854 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20866\">335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5434 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24856 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps24855\">563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24858 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24857\">235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24859 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps12599\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24860 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21541\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps15125\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24863 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24862\">976<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24901 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss272\"><div><div class=\"ps3137 ss184\"><span class=\"f charStyle-1dbd4d87 ps11044\">Modellierter ECL<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps24865\">Sonstige Risikofaktoren<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1315\"><div><div class=\"ps3137 ss1314\"><span class=\"f charStyle-1dbd4d87 ps17584\">Post-Model-Adjustments<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps1068 ss35\"><div><div class=\"ps3137 ss34\"><span class=\"f charStyle-1dbd4d87 ps21047\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss634\"><div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps14916 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24866 ss1319\"><div><div class=\"ps3168 ss1236\"><span class=\"f charStyle-1dbd4d87 ps2005\">Makro\u00f6konomisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss1236\"><span class=\"f charStyle-1dbd4d87 ps24818\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24867 ss823\"><div><div class=\"ps3168 ss99\"><span class=\"f charStyle-1dbd4d87 ps11817\">Geopolitisches <span class=\"f ps24\"> </span></span></div><div class=\"ps3170 ss99\"><span class=\"f charStyle-1dbd4d87 ps21582\">Risiko</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24868 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18695\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22277 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14924 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24869 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24870 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24871 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps22999\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps18116\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22285 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14936 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24872 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24873 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24874 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20563\">105<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21402\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22291 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24876 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24877 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24878 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24879 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps24244\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10755\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22299 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24882 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24883 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24884 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20390\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10638\">195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22306 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24886\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24887 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22556\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24889 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24888\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24890 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1506 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps20214\">559<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19410\">248<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22312 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps21895\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24892 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24894 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-375ad3a6 ps24893\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24895 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17759\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1518 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-375ad3a6 ps19280\">350<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24896 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps20518\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22319 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps21954\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24897 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps505\">179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24898 ss1238\"><div><div class=\"ps31 ss1236\"><span class=\"f charStyle-1dbd4d87 ps23895\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24899 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps17727\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1531 ss35\"><div><div class=\"ps31 ss34\"><span class=\"f charStyle-1dbd4d87 ps24900\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zus\u00e4tzlich zu dem modellierten ECL (vor In-Model Adjustments) wurden Overlays in Stage 1 und Stage 2 in H\u00f6he von \u20ac 413 </span></span></div><div class=\"ps24903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Millionen (Vorjahr: \u20ac 467 Millionen) ber\u00fccksichtigt. Davon entfielen \u20ac 89 Millionen (Vorjahr: \u20ac 196 Millionen) auf die Auswirkungen </span></span></div><div class=\"ps24904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Krieges in der Ukraine und \u20ac\u00a0324 Millionen (Vorjahr: \u20ac 270 Millionen) auf makro\u00f6konomische Risiken (Spill-Over-Effekte und </span></span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sonstige). </span></span></div><div class=\"ps24906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In den Spill-Over Effekten wurde ein Betrag in H\u00f6he von \u20ac 18 Millionen (Vorjahr: \u20ac 15 Millionen) aufgrund von Klimarisiken </span></span></div><div class=\"ps24907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebucht. Davon betreffen \u20ac 14 Millionen (Vorjahr: \u20ac 9 Millionen) Firmenkunden und \u20ac 4 Millionen (Vorjahr: \u20ac 6 Millionen) Retail-</span></span></div><div class=\"ps24908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kunden.</span></span></div><div class=\"ps24909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Non-Retail Overlays</span><span id=\"ibe6b2692710444a8af153e53f58a496e\"></span></span></div><div class=\"ps24910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Firmenkunden wurden zus\u00e4tzliche Wertminderungen in H\u00f6he von \u20ac 235 Millionen (Vorjahr: \u20ac 169 Millionen) f\u00fcr </span></span></div><div class=\"ps24911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">makro\u00f6konomische Effekte gebildet. Sie bilden Risiken ab, die \u00fcber die l\u00e4nderspezifische Branchenmatrix hinausgehen. Unter </span></span></div><div class=\"ps24912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diesen subsumieren sich sowohl globale wirtschaftspolitische Risiken wie zum Beispiel Z\u00f6lle und Gegenz\u00f6lle, als auch erwartete </span></span></div><div class=\"ps24913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Herabstufungen von Unternehmen z. B. aufgrund h\u00f6herer Energiepreise, einer erh\u00f6hten Inflation, von Engp\u00e4ssen in Lieferketten </span></span></div><div class=\"ps24914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie geringerer Ums\u00e4tze und h\u00f6herer Kosten als Folge erh\u00f6hter Energiepreise, insbesondere aus Vorjahren. </span></span></div><div class=\"ps24915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">In der Ukraine wurden f\u00fcr die Auswirkungen des Krieges \u20ac 81 Millionen (Vorjahr: \u20ac 83 Millionen) zus\u00e4tzlich in Form von </span></span></div><div class=\"ps24916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Management Overlays vorgesorgt. Diese zus\u00e4tzlich gebildeten Vorsorgen ergaben sich aus der Modellierung einer anhaltenden </span></span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zerst\u00f6rung der Infrastru</span></span><span class=\"f charStyle-9eccfdcb ps24917\">ktur sowie durch die fortgesetzte Bombardierung der betroffenen Gebiete. Im Vorjahr wurden diese </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken zusammen mit den EU- und US Sanktionsrisiken gegen\u00fcber russischen Kunden als geopolitische Risiken dargestellt und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betrugen f\u00fcr Russland und die Ukraine insgesamt \u20ac 205 Millionen. Die Overlays f\u00fcr EU- und US Sanktionsrisiken gegen\u00fcber </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgew\u00e4hlten russischen Kunden wurden im Gesch\u00e4ftsjahr aufgrund der vollst\u00e4ndigen R\u00fcckzahlung der betroffenen Obligos </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur G\u00e4nze aufgel\u00f6st.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um Klima- und Umweltrisiken zu ber\u00fccksichtigen wurde f\u00fcr Firmen</span><span class=\"f charStyle-26fbf26f ps24918\"><span style=\"background-color:inherit\">kunden die M\u00f6glichkeit eines kurzfristigen </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">au\u00dferplanm\u00e4\u00dfigen Szenarios in Betracht gezogen, in dem CO</span></span><span class=\"f charStyle-c12972e2 ps24919\"><span style=\"background-color:inherit\">2</span></span><span class=\"f charStyle-26fbf26f ps24920\"><span style=\"background-color:inherit\"> Emissionen teurer werden und die Preise f\u00fcr fossile Energietr\u00e4ger </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">h\u00f6her sind. Bei einem diversifizierten Portfolio, wie dem der RBI, gleichen sich die Auswirkungen zwar weitgehend aus, in einigen </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sektoren besteht jedoch ein erh\u00f6htes Risiko. Dabei handelt es sich um Sektoren mit Kund:innen, die ein niedriges Umwelt Score </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in den ESG Scoring Modellen aufweisen, wie z. B. die \u00d6l- und Gasindustrie und das Baugewerbe. H\u00f6here </span></span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Ausfallwahrscheinlichkeiten in diesen Sektoren f\u00fchren zu einem Anstieg der erwarteten Kreditverluste.</span></span></div><div class=\"ps24921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-a8b6d547 ps17\"><span style=\"background-color:inherit\">Retail Overlays</span><span id=\"i6c5cf41c2c2e473eba3412c156475163\"></span></span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">W\u00e4hrend des letzten Jahres waren die Retail-Kund:innen einem zunehmenden Inflationsdruck ausgesetzt, der ihre F\u00e4higkeit zur </span></span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Deckung ihrer Kreditverpflichtungen beeintr\u00e4chtigt hatte. Als Teil der IFRS-9-Regelungen gibt es sowohl auf L\u00e4nder- als auch </span></span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">auf Produktebene, PD- und LGD-Modelle, die der Notwendigkeit dienen, diese hohen Risiken, die sich aus dem makro\u00f6ko-</span></span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nomischen Umfeld ergeben, zu adressieren. F\u00fcr bestimmte L\u00e4nder und Portfolios, bei denen die makro\u00f6konomischen Modelle </span></span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">den wichtigsten makro\u00f6konomischen Variablen (Inflation, Zinss\u00e4tze, Arbeitslosigkeit usw.) entweder hinterherhinken oder die </span></span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht Teil des Modells sind, werden f\u00fcr bestimmte Kundengruppen mit hohem Risiko zus\u00e4tzliche Post-Model-Adjustments </span></span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gebildet. Diese beinhalten eine qualitative Beurteilung der Kreditobligos im Hinblick auf einen signifikanten Anstieg des </span></span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Kreditrisikos und ihre \u00dcbertragung von Stage 1 auf Stage 2, sowie in bestimmten F\u00e4llen eine Erh\u00f6hung der PD- und/oder LGD-</span></span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sch\u00e4tzungen. Die Kriterien f\u00fcr die Identifizierung solcher Kreditobligos basieren auf Informationen des Kreditantrags sowie des </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">historischen Zahlungsverhaltens und werden in weiterer Folge durch gestresste makro\u00f6konomische Variablen verfeinert. Die </span></span></div><div class=\"ps24922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufl\u00f6sung der Post-Model-Adjustments erfolgt entweder nach Materialisierung der Risiken durch Transfer der betroffenen </span></span></div><div class=\"ps24923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Forderungen nach Stage 3 oder dem Nichteintritt der erwarteten Risiken.</span></span></div><div class=\"ps22511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr das ukrainische Retail-Kundenportfolio, das seit Kriegsbeginn gr\u00f6\u00dftenteils in Stage 2 verschoben wurde, basiert die Bildung </span></span></div><div class=\"ps22512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Wertminderungen auf dem Urteil lokaler Experten, welches aus dem regelm\u00e4\u00dfigen Kontakt mit den einzelnen Kund:innen </span></span></div><div class=\"ps22513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durch die Inkassoabteilung gewonnen wird. Des Weiteren finden strukturierte Kundengespr\u00e4che statt, um \u00fcber die Bed\u00fcrfnisse </span></span></div><div class=\"ps24924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">und potenzielle Probleme, die die R\u00fcckzahlungsf\u00e4higkeit der Kund:innen beeinflussen k\u00f6nnten, auf dem Laufenden zu bleiben. </span></span></div><div class=\"ps24925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00fcr Verm\u00f6genswerte und Kund:innen aus besetzten Regionen oder Gebieten, welche einem hohen Risiko von Feindseligkeiten </span></span></div><div class=\"ps24926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">oder Besetzungen ausgesetzt sind, wurden die Risikoparameter weiter nach oben angepasst, um die erwarteten k\u00fcnftigen </span></span></div><div class=\"ps24927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Verluste auf der Grundlage der oben angef\u00fchrten Erhebungen zu ber\u00fccksichtigen.</span></span></div><div class=\"ps24928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Sensitivit\u00e4tsanalyse<span id=\"ie784ee2bfddd45da8e6737dcbdc77932\"></span></span></div><div class=\"ps24929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um eine Bandbreite f\u00fcr potenzielle Sch\u00e4tzungs\u00e4nderungen und daraus ge\u00e4nderte Wertminderungen zu simulieren, wurden </span></div><div class=\"ps24930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende Sensitivit\u00e4tsanalysen der wichtigsten Annahmen, die sich auf die erwarteten Wertminderungen auswirken, wie folgt </span></div><div class=\"ps24931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchgef\u00fchrt.</span></div><div class=\"ps24932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sensitivit\u00e4tsanalyse wurde durchgef\u00fchrt, indem die Wertminderungen f\u00fcr erwartete Kreditverluste in den vorhandenen </span></div><div class=\"ps24933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modellen neu berechnet wurden. Die Risikofaktoren und Post-Model-Adjustments sind, bis auf die Stage-1-Simulationen, in allen </span></div><div class=\"ps24934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien in vollem Umfang inkludiert und unterliegen keinen weiteren Anpassungen. Aufgrund der Komplexit\u00e4t des Modells </span></div><div class=\"ps24935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schlie\u00dfen sich viele Treiber nicht gegenseitig aus. </span></div><div class=\"ps24936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle zeigt einen Vergleich zwischen den ausgewiesenen kumulierten Wertminderungen f\u00fcr erwartete <span class=\"f ps24\"> </span></span></div><div class=\"ps24937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 1 und Stage 2 (gewichtet mit 25 Prozent optimistischen, 50 Prozent Basis </span></div><div class=\"ps24938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 25 Prozent pessimistischen Szenarien) und den jeweils mit 100 Prozent gewichteten Szenarien. Optimistisches und </span></div><div class=\"ps24939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistisches Szenario stellen keine Extremf\u00e4lle aus dem Ergebnisraum der 25 Prozent optimistischsten und </span></div><div class=\"ps24940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistischsten Szenarien dar, sondern einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. Das bedeutet, dass sich diese </span></div><div class=\"ps24941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien auf der Verteilungskurve um circa 25 Prozent respektive 75 Prozent befinden. Grunds\u00e4tzlich werden bei den IFRS-9-</span></div><div class=\"ps24942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifischen Sch\u00e4tzungen der Risikoparameter neben historischen Ausfallinformationen sowie das aktuelle wirtschaftliche </span></div><div class=\"ps24943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umfeld ber\u00fccksichtigt. Die Auswirkungen der Sch\u00e4tzungen aufgrund von makro\u00f6konomischen Prognosen werden in der </span></div><div class=\"ps24944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zukunftsbezogenen Komponente dargestellt. Die Informationen dienen der Veranschaulichung.</span></div><div class=\"ps24973 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24951\">904<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24955\">-90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24957\">954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24960\">-39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24962\">1.080<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24953\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24965\">87<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24967\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24969\">993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24971\">-18<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:160.5pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td><td style=\"padding:0;width:93.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24946 ss513\"><div><div class=\"ps3137 ss453\"><span class=\"f charStyle-1dbd4d87 ps24945\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24948 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24947\">Simuliertes Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24949 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps13073\">Point-in-Time-Komponente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24950 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps3239\">Zukunftsbezogene Komponente<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Optimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24952 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24975\">972<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24954 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24956 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24977\">-61<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Basis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24958 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24978\">1.056<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24959 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24961 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24979\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-375ad3a6 ps30\">100 % Pessimistisch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24963 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24980\">1.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24964 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24976\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24966 ss515\"><div><div class=\"ps3137 ss514\"><span class=\"f charStyle-375ad3a6 ps24981\">135<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1372\"><div><div class=\"ps31 ss1371\"><span class=\"f charStyle-1dbd4d87 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24968 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24982\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24970 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24983\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24972 ss515\"><div><div class=\"ps31 ss514\"><span class=\"f charStyle-1dbd4d87 ps24984\">29<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Insgesamt sind die makro\u00f6konomischen Szenarien im Moment besser als der langj\u00e4hrige Durchschnitt, was zu einer Reduktion </span></span></div><div class=\"ps24986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der zukunftsbezogenen Komponente um \u20ac 18 Millionen f\u00fchrt.</span></span></div><div class=\"ps24987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das positive Szenario, welches in der unten folgenden Tabelle dargestellt wird, folgt der Pr\u00e4misse, dass alle Forderungen als </span></div><div class=\"ps24988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stage 1 klassifiziert werden und alle makro\u00f6konomischen und geopolitischen Risiken nicht relevant sind.</span></div><div class=\"ps24989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anbei werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle Verm\u00f6genswerte unter </span></div><div class=\"ps24990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der erwarteten Zw\u00f6lf-Monats-Verluste bewertet </span></div><div class=\"ps24991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden (Stage 1), ausgewiesen.</span></div><div class=\"ps25006 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:264.75pt\"></td><td style=\"padding:0;width:88.5pt\"></td><td style=\"padding:0;width:88.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24993 ss793\"><div><div class=\"ps3137 ss787\"><span class=\"f charStyle-1dbd4d87 ps24992\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24995 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24994\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15644 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-1dbd4d87 ps24996\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24998 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps24997\">514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15646 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps24999\">572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25001 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25000\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15650 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25002\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1374\"><div><div class=\"ps31 ss1373\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2 aufgrund von Staging<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25004 ss1375\"><div><div class=\"ps3137 ss914\"><span class=\"f charStyle-375ad3a6 ps25003\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15652 ss1375\"><div><div class=\"ps31 ss914\"><span class=\"f charStyle-375ad3a6 ps25005\">490<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung des Negativ-Szenarios geht davon aus, dass alle Forderungen als Stufe 2 eingestuft werden. Folglich werden </span></div><div class=\"ps25008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">alle makro\u00f6konomischen und geopolitischen Risiken in dieser Analyse ber\u00fccksichtigt.</span></div><div class=\"ps25009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der folgenden Tabelle werden die Auswirkungen des Stage-Transfers auf die kumulierte Wertminderung f\u00fcr finanzielle </span></div><div class=\"ps25010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte unter der Annahme, dass alle kumulierten Wertminderungen auf der Grundlage der gesamten Restlaufzeit </span></div><div class=\"ps25011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet werden (Stage 2), ausgewiesen.</span></div><div class=\"ps25025 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps10760\">Kumulierte Wertminderungen (Stage 1 und 2)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen wenn 100 % in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25014\">2.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25015\">1.721<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt (25/50/25 %)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25017\">976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25019\">1.063<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Betr\u00e4ge in Stage 2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25021\">1.088<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25023\">658<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt einen Vergleich zwischen der ausgewiesenen kumulierten Wertminderung f\u00fcr erwartete </span></div><div class=\"ps22093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste f\u00fcr finanzielle Verm\u00f6genswerte in Stage 3 und dem pessimistischen Szenario gewichtet mit 100 Prozent. Das </span></div><div class=\"ps25026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistische Szenario stellt keinen Extremfall aus dem Ergebnisraum der 25 Prozent pessimistischsten Szenarien dar, sondern </span></div><div class=\"ps25027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen \u00f6konomisch plausiblen Repr\u00e4sentanten daraus. </span></div><div class=\"ps25033 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:263.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td><td style=\"padding:0;width:89.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12173 ss1377\"><div><div class=\"ps3137 ss1376\"><span class=\"f charStyle-1dbd4d87 ps13427\">Kumulierte Wertminderungen (Stage 3)<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps12177 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25012\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21298 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-1dbd4d87 ps25013\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Pessimistisches Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12182 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25028\">1.801<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25016 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25029\">2.193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Gewichteter Durchschnitt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25018 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25030\">1.480<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25020 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25013\">1.909<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss859\"><div><div class=\"ps31 ss858\"><span class=\"f charStyle-375ad3a6 ps30\">Erh\u00f6hung der Wertminderungen im pessimistischen Szenario<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25022 ss295\"><div><div class=\"ps3137 ss294\"><span class=\"f charStyle-375ad3a6 ps25031\">321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25024 ss295\"><div><div class=\"ps31 ss294\"><span class=\"f charStyle-375ad3a6 ps25032\">284<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verm\u00f6genswerte<span id=\"ifb6970ca593b4ec49e85f23ea9c80166\"></span></span></div><div class=\"ps25035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Schuldverschreibungen werden teilweise oder vollst\u00e4ndig ausgebucht, wenn keine Zahlungen bzw. R\u00fcckfl\u00fcsse mehr </span></div><div class=\"ps25036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet werden. Dies geschieht, wenn der Kreditnehmer keine Einnahmen aus dem operativen Gesch\u00e4ft mehr erzielt und die </span></div><div class=\"ps25037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheiten keine ausreichenden Cash-Flows generieren k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in Insolvenz werden </span></div><div class=\"ps25038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten wertgemindert, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr erzielt. Im Retail-Gesch\u00e4ft werden qualitative Faktoren ber\u00fccksichtigt. In F\u00e4llen, in denen seit einem Jahr keine Zahlung </span></div><div class=\"ps25040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleistet wurde, werden hier die ausstehenden Betr\u00e4ge ausgebucht, wobei ausgebuchte Forderungen weiter Gegenstand von </span></div><div class=\"ps25041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeiten sein k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in sogenannten Gone-Concern-F\u00e4llen werden </span></div><div class=\"ps25042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten abgeschrieben, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr generiert. Die ausstehenden Bruttoforderungen aus finanziellen Verm\u00f6genswerten, die noch Gegenstand der </span></div><div class=\"ps4860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeit sind, betrugen \u20ac 1.401 Millionen (Vorjahr: \u20ac 1.297 Millionen).</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verbindlichkeiten<span id=\"ia81b6a74840c431cb8919670a599f432\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern bucht eine finanzielle Verbindlichkeit aus, wenn seine Verpflichtungen beglichen, aufgehoben oder ausgelaufen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Der Ertrag oder Aufwand aus dem R\u00fcckkauf von eigenen Verbindlichkeiten wird unter Punkt (6) Sonstiges betriebliches </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis dargestellt. Auch der R\u00fcckerwerb eigener Schuldtitel f\u00e4llt unter die Ausbuchung finanzieller Verpflichtungen. </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetr\u00e4ge beim R\u00fcckkauf zwischen dem Buchwert der Verpflichtung (einschlie\u00dflich Agios und Disagios) und dem </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaufpreis werden erfolgswirksam im sonstigen betrieblichen Ergebnis erfasst, sofern es sich nicht um eine zum Fair Value </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designierte Verbindlichkeit handelt. Bezieht sich der R\u00fcckkauf auf finanzielle Verbindlichkeiten, die unter Anwendung der Fair-</span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value-Option bilanziert wurden, so bleiben jene Fair-Value-\u00c4nderungen, die aus einer Verschlechterung der eigenen Bonit\u00e4t </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(und damit einer Ver\u00e4nderung des Ausfallrisikos der finanziellen Verbindlichkeit) herr\u00fchren, erfolgsneutral erfasst und werden </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Gewinn oder Verlust umgegliedert.</span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt den Betrag des Bruttobuchwerts und der Wertminderungen jener finanziellen Verm\u00f6genswerte \u2013 </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Amortized Cost und finanziellen Verm\u00f6genswerte \u2013 Fair Value Through Other Comprehensive Income, die sich in der </span></div><div class=\"ps22505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtsperiode von erwarteten Zw\u00f6lf-Monats-Verlusten (Stage 1) hin zu erwarteten Verlusten \u00fcber die Restlaufzeit (Stage 2 </span></div><div class=\"ps22506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und 3) oder umgekehrt bewegt haben:</span></div><div class=\"ps25140 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1379\"><div><div class=\"ps3137 ss1378\"><span class=\"f charStyle-1dbd4d87 ps1642\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1382\"><div><div class=\"ps5426 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25057\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87 ps25058\">Monats-Verlust</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps50 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps17263\">-6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps118\">6.461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps14999\">342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps25062\"></span><span class=\"ps25062\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10856 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17204\"></span><span class=\"ps17204\">5,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21542\">-60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17889\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25069 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps23943\">-139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18513\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25074 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps22204\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25075\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25080 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22896\"></span><span class=\"ps22896\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25081\">-257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25082\">257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20183\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25085\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25087\"></span><span class=\"ps25087\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25089 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17773\"></span><span class=\"ps17773\">7,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25090\">-3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps307\">3.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18478\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22537\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20227\"></span><span class=\"ps20227\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25095 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19579\"></span><span class=\"ps19579\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps19413\">-2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10787\">2.323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps1069\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps5662\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25100 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13350\"></span><span class=\"ps13350\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps10643\">6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9442\">-6.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25102\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps15881\">-258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1382\"><div><div class=\"ps5427 ss1111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20085\"></span><span class=\"ps20085\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25106 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13308\"></span><span class=\"ps13308\">4,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25110\">-<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23889 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25112\">-<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18391\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19957\"></span><span class=\"ps19957\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25117 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1619\"></span><span class=\"ps1619\">10,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25118\">295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps113\">-295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25067\"></span><span class=\"ps25067\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25122 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1623\"></span><span class=\"ps1623\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20293\">589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17770\">-589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25124\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25128 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps4126\">2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10120\">-2.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20118\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps458\">-171<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18472\"></span><span class=\"ps18472\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25132 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17706\"></span><span class=\"ps17706\">7,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17906\">3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9386\">-3.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20843\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25136\">-70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25126\"></span><span class=\"ps25126\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25139 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps69\"></span><span class=\"ps69\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der Wertminderungen aus der Bewegung von erwarteten Zw\u00f6lf-Monats-Kreditverlusten zu Lifetime betrug \u20ac 287 </span></div><div class=\"ps25142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (Vorjahr: \u20ac 333 Millionen). Der R\u00fcckgang der Wertminderungen aus der Bewegung von Lifetime zu erwarteten Zw\u00f6lf-</span></div><div class=\"ps25143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monats-Kreditverlusten betrug \u20ac 237 Millionen (Vorjahr: \u20ac 169 Millionen).</span></div><div class=\"ps25168 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:107.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps11723 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps19678\">Bruttobuchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4528 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12769\">Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25050 ss1005\"><div><div class=\"ps3137 ss142\"><span class=\"f charStyle-1dbd4d87 ps12887\">ECL Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss833\"><div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11725 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25056 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25059 ss1381\"><div><div class=\"ps5426 ss1380\"><span class=\"f charStyle-1dbd4d87 ps1206\">Erwarteter 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps25051\">Monats-Verlust</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25144 ss775\"><div><div class=\"ps25052 ss5\"><span class=\"f charStyle-1dbd4d87 ps21571\">Erwarteter <span class=\"f ps24\"> </span></span></div><div class=\"ps25053 ss5\"><span class=\"f charStyle-1dbd4d87 ps18218\">Verlust \u00fcber die </span></div><div class=\"ps25054 ss5\"><span class=\"f charStyle-1dbd4d87 ps11282\">Restlaufzeit</span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten 12-<span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Monats-Verlust zum erwarteten </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Verlust \u00fcber die Restlaufzeit</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11737 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22706\">-5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4232 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps13210\">5.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25060 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps22141\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25061 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps25145\">388<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25063 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps18107\"></span><span class=\"ps18107\">0,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25146 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">6,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3838 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25064 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4236 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25065 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25066 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25068 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25147 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15901 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15902 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20180\">-141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25070 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25148\">141<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25071 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20216\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25072 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16878\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25073 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20193\"></span><span class=\"ps20193\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25149 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17912\"></span><span class=\"ps17912\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20347\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25076 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25150\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25077 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25078 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25079 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25151 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19633\"></span><span class=\"ps19633\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5895 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14105 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25152\">-497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25083 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7310\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25084 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20422\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25086 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps20097\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25088 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25153 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19189\"></span><span class=\"ps19189\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14106 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps8920\">-3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25091 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6729\">3.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25092 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25154\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25093 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17792\">207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25094 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20539\"></span><span class=\"ps20539\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25155 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18078\"></span><span class=\"ps18078\">6,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17402\">-1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25096 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps19535\">1.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25097 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20259\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7918\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25099 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25156 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps111\"></span><span class=\"ps111\">8,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10913 ss833\"><div><div class=\"ps5430 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">Bewegung vom erwarteten Verlust <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00fcber die Restlaufzeit zum </span></div><div class=\"ps5427 ss825\"><span class=\"f charStyle-1dbd4d87 ps30\">erwarteten 12-Monats-Verlust<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25101 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps21380\">5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13172 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9896\">-5.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25103 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87 ps20559\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25104 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps16883\">-189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25105 ss1381\"><div><div class=\"ps5427 ss1380\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21626\"></span><span class=\"ps21626\">0,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25157 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13037\"></span><span class=\"ps13037\">3,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11734 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21531\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25107 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8064\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25108 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25109 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25111 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25158 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13037\"></span><span class=\"ps13037\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14050 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20138\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25113 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17722\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25114 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25115 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10664\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25116 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20228\"></span><span class=\"ps20228\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25159 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12631\"></span><span class=\"ps12631\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21545\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12937 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25160\">-214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25119 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20720\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25120 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25121 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16744\"></span><span class=\"ps16744\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25161 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17910\"></span><span class=\"ps17910\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15209 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps20261\">461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12945 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps17285\">-461<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25123 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps21982\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25125 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps25162\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25127 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25163\"></span><span class=\"ps25163\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25164 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17911\"></span><span class=\"ps17911\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15904 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps17784\">2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12956 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10500\">-2.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25129 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps25165\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25130 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps22538\">-82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25131 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21394\"></span><span class=\"ps21394\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25166 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11922\"></span><span class=\"ps11922\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss826\"><div><div class=\"ps31 ss825\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25133 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps18115\">3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25134 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9438\">-3.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25135 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6 ps806\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25137 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13446\">-95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25138 ss1383\"><div><div class=\"ps31 ss1380\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21597\"></span><span class=\"ps21597\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25167 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8448\"></span><span class=\"ps8448\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-530": {
   "value": "<div class=\"ps25034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verm\u00f6genswerte<span id=\"ifb6970ca593b4ec49e85f23ea9c80166\"></span></span></div><div class=\"ps25035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite und Schuldverschreibungen werden teilweise oder vollst\u00e4ndig ausgebucht, wenn keine Zahlungen bzw. R\u00fcckfl\u00fcsse mehr </span></div><div class=\"ps25036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet werden. Dies geschieht, wenn der Kreditnehmer keine Einnahmen aus dem operativen Gesch\u00e4ft mehr erzielt und die </span></div><div class=\"ps25037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheiten keine ausreichenden Cash-Flows generieren k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in Insolvenz werden </span></div><div class=\"ps25038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten wertgemindert, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr erzielt. Im Retail-Gesch\u00e4ft werden qualitative Faktoren ber\u00fccksichtigt. In F\u00e4llen, in denen seit einem Jahr keine Zahlung </span></div><div class=\"ps25040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geleistet wurde, werden hier die ausstehenden Betr\u00e4ge ausgebucht, wobei ausgebuchte Forderungen weiter Gegenstand von </span></div><div class=\"ps25041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeiten sein k\u00f6nnen. F\u00fcr das Exposure von Unternehmen in sogenannten Gone-Concern-F\u00e4llen werden </span></div><div class=\"ps25042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite auf den Wert der Sicherheiten abgeschrieben, falls das Unternehmen keine Cash-Flows aus dem operativen Gesch\u00e4ft </span></div><div class=\"ps25043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehr generiert. Die ausstehenden Bruttoforderungen aus finanziellen Verm\u00f6genswerten, die noch Gegenstand der </span></div><div class=\"ps4860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vollstreckungst\u00e4tigkeit sind, betrugen \u20ac 1.401 Millionen (Vorjahr: \u20ac 1.297 Millionen).</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Ausbuchung finanzieller Verbindlichkeiten<span id=\"ia81b6a74840c431cb8919670a599f432\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern bucht eine finanzielle Verbindlichkeit aus, wenn seine Verpflichtungen beglichen, aufgehoben oder ausgelaufen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Der Ertrag oder Aufwand aus dem R\u00fcckkauf von eigenen Verbindlichkeiten wird unter Punkt (6) Sonstiges betriebliches </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis dargestellt. Auch der R\u00fcckerwerb eigener Schuldtitel f\u00e4llt unter die Ausbuchung finanzieller Verpflichtungen. </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetr\u00e4ge beim R\u00fcckkauf zwischen dem Buchwert der Verpflichtung (einschlie\u00dflich Agios und Disagios) und dem </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kaufpreis werden erfolgswirksam im sonstigen betrieblichen Ergebnis erfasst, sofern es sich nicht um eine zum Fair Value </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">designierte Verbindlichkeit handelt. Bezieht sich der R\u00fcckkauf auf finanzielle Verbindlichkeiten, die unter Anwendung der Fair-</span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value-Option bilanziert wurden, so bleiben jene Fair-Value-\u00c4nderungen, die aus einer Verschlechterung der eigenen Bonit\u00e4t </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(und damit einer Ver\u00e4nderung des Ausfallrisikos der finanziellen Verbindlichkeit) herr\u00fchren, erfolgsneutral erfasst und werden </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht in den Gewinn oder Verlust umgegliedert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-531": {
   "value": "<div class=\"ps25245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um das Kreditrisiko zu mindern, wendet die RBI eine Reihe von Verfahren an, deren h\u00e4ufigstes die Hereinnahme von Sicherheiten <span class=\"f ps24\"> </span></span></div><div class=\"ps25246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Kreditgesch\u00e4ft ist. Beim Kreditvergabeprozess wird eine Bewertung der Sicherheiten vorgenommen, die dann in </span></div><div class=\"ps25247 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfigen Abst\u00e4nden mit verschiedenen Validierungsverfahren \u00fcberpr\u00fcft wird. Die wichtigsten Arten von Sicherheiten, die </span></div><div class=\"ps25248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Konzern akzeptiert werden, sind Wohn- und Gewerbeimmobilien, Finanzsicherheiten, Garantien und bewegliche G\u00fcter. </span></div><div class=\"ps25249 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insbesondere bei Gewerbe- und Wohnimmobilien wird bei der Bewertungs\u00fcberpr\u00fcfung und Neubewertung ein besonderes </span></div><div class=\"ps25250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Augenmerk auf die Anpassung der Bewertungsparameter auf das Marktumfeld und die erwartbare mittelfristige Entwicklung </span></div><div class=\"ps25251 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Weise gelegt, dass die Sicherheiten in einer vorsichtigen und nachhaltigen Weise bewertet sind. Langfristige </span></div><div class=\"ps25252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungen sind im Allgemeinen besichert, w\u00e4hrend revolvierende Kreditfazilit\u00e4ten \u00fcblicherweise nicht besichert sind. </span></div><div class=\"ps25253 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldtitel sind \u00fcberwiegend nicht besichert. Derivate k\u00f6nnen mit Barmitteln oder Aufrechnungsrahmenvereinbarungen </span></div><div class=\"ps25254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besichert sein. Sicherheiten aus dem Leasinggesch\u00e4ft betreffen vorwiegend den Wert des Leasingobjekts. Positionen, die unter </span></div><div class=\"ps25255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Zahlungsmitteln und Zahlungsmittel\u00e4quivalenten ausgewiesen sind, haben ein vernachl\u00e4ssigbares Kreditrisiko. Die </span></div><div class=\"ps25256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung von Sicherheiten erfolgt einheitlich auf Basis konzernweit angewendeter Richtlinien. Die Konzernrichtlinien f\u00fcr </span></div><div class=\"ps25257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Erlangung von Sicherheiten wurden w\u00e4hrend des Berichtszeitraums nicht wesentlich ver\u00e4ndert, werden aber j\u00e4hrlich </span></div>aktualisiert.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCollateralExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-532": {
   "value": "<div class=\"ps25382 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Identit\u00e4t von Schuldner und Gl\u00e4ubiger erfolgt eine Aufrechnung laufzeit- und w\u00e4hrungskonformer Forderungen und <span class=\"f ps24\"> </span></span></div><div class=\"ps25383 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten dann, wenn ein durchsetzbares Recht darauf besteht und die Aufrechnung dem tats\u00e4chlich erwarteten </span></div><div class=\"ps25384 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ablauf des Gesch\u00e4fts entspricht.</span></div><div class=\"ps25385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter vergleichbaren Vereinbarungen sind unter anderem Derivat-Clearingvertr\u00e4ge sowie globale Rahmenvertr\u00e4ge \u00fcber einen </span></div><div class=\"ps25386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckkauf oder Wertpapierleihgesch\u00e4fte zu verstehen. \u00c4hnliche Finanzinstrumente sind z. B. Derivate, Repo- und Reverse-Repo-</span></div><div class=\"ps25387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4fte sowie Wertpapierverleih- und -leihgesch\u00e4fte.<span class=\"f ps24\"> </span></span></div><div class=\"ps25388 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einige dieser Vereinbarungen werden in der Bilanz nicht saldiert, weil den jeweiligen Vertragspartnern ein Recht zur <span class=\"f ps24\"> </span></span></div><div class=\"ps25389 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnung von erfassten Betr\u00e4gen einger\u00e4umt wird, welches nur bei Eintritt eines Ereignisses, das einen Verzug darstellt, der </span></div><div class=\"ps25390 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insolvenz oder des Konkurses des Konzerns oder der Vertragspartner oder von anderen, vorab festgelegten Ereignissen </span></div><div class=\"ps25391 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchsetzbar ist. Dar\u00fcber hinaus beabsichtigen der Konzern und seine Vertragspartner nicht, auf Nettobasis abzurechnen oder </span></div><div class=\"ps25392 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Verm\u00f6genswerte zu realisieren und zeitgleich die Schulden zu tilgen. Der Konzern erh\u00e4lt und stellt Sicherheiten in Form von </span></div>liquiden Mitteln und marktg\u00e4ngigen Wertpapieren.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-534": {
   "value": "<div class=\"ps25676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(35) \u00dcbertragene Verm\u00f6genswerte<span id=\"i5030219873c9435d87c27b64f59686b5\"></span></span></div><div class=\"ps25677 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern schlie\u00dft Gesch\u00e4fte ab, die zur \u00dcbertragung von Handelsaktiva, Wertpapieren und Beteiligungen sowie Forderungen </span></div><div class=\"ps25678 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an Kunden f\u00fchren. Die \u00fcbertragenen finanziellen Verm\u00f6genswerte werden weiterhin zur G\u00e4nze bzw. im Umfang der <span class=\"f ps24\"> </span></span></div><div class=\"ps25679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgesetzten Beteiligung des Konzerns erfasst oder aber vollst\u00e4ndig ausgebucht. Die \u00dcbertragung von finanziellen <span class=\"f ps24\"> </span></span></div><div class=\"ps25680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten, die nicht vollst\u00e4ndig ausgebucht werden oder bei denen eine fortgesetzte Beteiligung des Konzerns besteht, </span></div><div class=\"ps25681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt in erster Linie durch Pensionsgesch\u00e4fte, Wertpapierleihgesch\u00e4fte und Verbriefungen.<span class=\"f ps24\"> </span></span></div><div class=\"ps25682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcbertragene, aber nicht ausgebuchte finanzielle Verm\u00f6genswerte<span id=\"i20d249bb003142269f0fd47433060a1e\"></span></span></div><div class=\"ps25683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionsgesch\u00e4fte sind Transaktionen, bei denen der Konzern ein Wertpapier ver\u00e4u\u00dfert und gleichzeitig zustimmt, es zu einem </span></div><div class=\"ps25684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftigen Zeitpunkt zu einem festen Preis zur\u00fcckzukaufen. Der Konzern erfasst die Wertpapiere weiterhin vollst\u00e4ndig in </span></div><div class=\"ps25685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seiner Bilanz, da im Wesentlichen alle mit dem Eigentum an ihnen verbundenen Risiken und Vorteile bei ihm verbleiben. Der </span></div><div class=\"ps25686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erhaltene Bargegenwert wird als finanzieller Verm\u00f6genswert gebucht und eine Schuld f\u00fcr die Verpflichtung zur Zahlung des </span></div><div class=\"ps25687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckkaufpreises angesetzt. Da der Konzern die vertraglichen Rechte am Cash-Flow der Wertpapiere ver\u00e4u\u00dfert, kann er die </span></div><div class=\"ps25688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbertragenen Wertpapiere w\u00e4hrend der Laufzeit der Vereinbarung nicht nutzen.</span></div><div class=\"ps25689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapierleihgesch\u00e4fte sind Transaktionen, bei denen der Konzern Wertpapiere gegen eine Provision ausleiht und daf\u00fcr </span></div><div class=\"ps25690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">liquide Mittel als Sicherheit erh\u00e4lt. Der Konzern erfasst die Wertpapiere weiterhin vollst\u00e4ndig in seiner Bilanz, da im </span></div><div class=\"ps25691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlichen alle mit dem Eigentum an ihnen verbundenen Risiken und Vorteile bei ihm verbleiben. Der erhaltene Bargegenwert </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird als finanzieller Verm\u00f6genswert gebucht und eine Schuld f\u00fcr die Verpflichtung zur R\u00fcckzahlung angesetzt. Da der Konzern </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Rahmen des Leihvertrags die vertraglichen Rechte am Cash-Flow der Wertpapiere ver\u00e4u\u00dfert, kann er die \u00fcbertragenen <span class=\"f ps24\"> </span></span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapiere w\u00e4hrend der Laufzeit der Vereinbarung nicht nutzen. </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern ver\u00e4u\u00dfert Forderungen an Kunden an Verbriefungsgesellschaften, die ihrerseits Schuldverschreibungen an </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investor:innen emittieren, die durch die erworbenen Verm\u00f6genswerte besichert werden. Bei den Verbriefungen, bei denen der </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern Forderungen an Kunden an eine nicht konsolidierte Verbriefungsgesellschaft \u00fcbertr\u00e4gt, verbleibt ein Teil des Risikos bei </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihm, w\u00e4hrend ein anderer Teil sowie das Vorf\u00e4lligkeits- und Zinsrisiko auf die Gesellschaft \u00fcbergehen. Der Konzern beh\u00e4lt bzw. </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbertr\u00e4gt daher im Wesentlichen nicht alle Risiken und Vorteile solcher Verm\u00f6genswerte.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-533": {
   "value": "<div class=\"ps25676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(35) \u00dcbertragene Verm\u00f6genswerte<span id=\"i5030219873c9435d87c27b64f59686b5\"></span></span></div><div class=\"ps25677 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern schlie\u00dft Gesch\u00e4fte ab, die zur \u00dcbertragung von Handelsaktiva, Wertpapieren und Beteiligungen sowie Forderungen </span></div><div class=\"ps25678 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an Kunden f\u00fchren. Die \u00fcbertragenen finanziellen Verm\u00f6genswerte werden weiterhin zur G\u00e4nze bzw. im Umfang der <span class=\"f ps24\"> </span></span></div><div class=\"ps25679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortgesetzten Beteiligung des Konzerns erfasst oder aber vollst\u00e4ndig ausgebucht. Die \u00dcbertragung von finanziellen <span class=\"f ps24\"> </span></span></div><div class=\"ps25680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten, die nicht vollst\u00e4ndig ausgebucht werden oder bei denen eine fortgesetzte Beteiligung des Konzerns besteht, </span></div><div class=\"ps25681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt in erster Linie durch Pensionsgesch\u00e4fte, Wertpapierleihgesch\u00e4fte und Verbriefungen.<span class=\"f ps24\"> </span></span></div><div class=\"ps25682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcbertragene, aber nicht ausgebuchte finanzielle Verm\u00f6genswerte<span id=\"i20d249bb003142269f0fd47433060a1e\"></span></span></div><div class=\"ps25683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionsgesch\u00e4fte sind Transaktionen, bei denen der Konzern ein Wertpapier ver\u00e4u\u00dfert und gleichzeitig zustimmt, es zu einem </span></div><div class=\"ps25684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftigen Zeitpunkt zu einem festen Preis zur\u00fcckzukaufen. Der Konzern erfasst die Wertpapiere weiterhin vollst\u00e4ndig in </span></div><div class=\"ps25685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seiner Bilanz, da im Wesentlichen alle mit dem Eigentum an ihnen verbundenen Risiken und Vorteile bei ihm verbleiben. Der </span></div><div class=\"ps25686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erhaltene Bargegenwert wird als finanzieller Verm\u00f6genswert gebucht und eine Schuld f\u00fcr die Verpflichtung zur Zahlung des </span></div><div class=\"ps25687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckkaufpreises angesetzt. Da der Konzern die vertraglichen Rechte am Cash-Flow der Wertpapiere ver\u00e4u\u00dfert, kann er die </span></div><div class=\"ps25688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbertragenen Wertpapiere w\u00e4hrend der Laufzeit der Vereinbarung nicht nutzen.</span></div><div class=\"ps25689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapierleihgesch\u00e4fte sind Transaktionen, bei denen der Konzern Wertpapiere gegen eine Provision ausleiht und daf\u00fcr </span></div><div class=\"ps25690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">liquide Mittel als Sicherheit erh\u00e4lt. Der Konzern erfasst die Wertpapiere weiterhin vollst\u00e4ndig in seiner Bilanz, da im </span></div><div class=\"ps25691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlichen alle mit dem Eigentum an ihnen verbundenen Risiken und Vorteile bei ihm verbleiben. Der erhaltene Bargegenwert </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird als finanzieller Verm\u00f6genswert gebucht und eine Schuld f\u00fcr die Verpflichtung zur R\u00fcckzahlung angesetzt. Da der Konzern </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Rahmen des Leihvertrags die vertraglichen Rechte am Cash-Flow der Wertpapiere ver\u00e4u\u00dfert, kann er die \u00fcbertragenen <span class=\"f ps24\"> </span></span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapiere w\u00e4hrend der Laufzeit der Vereinbarung nicht nutzen. </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern ver\u00e4u\u00dfert Forderungen an Kunden an Verbriefungsgesellschaften, die ihrerseits Schuldverschreibungen an </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investor:innen emittieren, die durch die erworbenen Verm\u00f6genswerte besichert werden. Bei den Verbriefungen, bei denen der </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern Forderungen an Kunden an eine nicht konsolidierte Verbriefungsgesellschaft \u00fcbertr\u00e4gt, verbleibt ein Teil des Risikos bei </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihm, w\u00e4hrend ein anderer Teil sowie das Vorf\u00e4lligkeits- und Zinsrisiko auf die Gesellschaft \u00fcbergehen. Der Konzern beh\u00e4lt bzw. </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbertr\u00e4gt daher im Wesentlichen nicht alle Risiken und Vorteile solcher Verm\u00f6genswerte.</span></div><div class=\"ps25701 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1128\"><div><div class=\"ps31 ss1126\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps17130 ss1425\"><div><div class=\"ps31 ss1424\"><span class=\"f charStyle-1dbd4d87 ps80\">\u00dcbertragene Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13367 ss1425\"><div><div class=\"ps31 ss1424\"><span class=\"f charStyle-1dbd4d87 ps10583\">Erhaltene Sicherheitsleistungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1127\"><div><div class=\"ps516 ss1126\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25692 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps10825\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss43\"><div><div class=\"ps1485 ss40\"><span class=\"f charStyle-1dbd4d87 ps6397\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps25693\">Verbriefungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps25694\">davon R\u00fcckkauf- <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps25695\">vereinbarung</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25696 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps10825\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss43\"><div><div class=\"ps1485 ss40\"><span class=\"f charStyle-1dbd4d87 ps6397\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps25693\">Verbriefungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps25694\">davon R\u00fcckkauf- <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps25695\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1128\"><div><div class=\"ps31 ss1126\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17145 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17911\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25698 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps25697\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17150 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17911\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11098 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25699 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps25697\">49<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1128\"><div><div class=\"ps31 ss1126\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17153 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6995\">2.698<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23843 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19572 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps22710\">2.698<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17158 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps25529\">2.592<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19575 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16891 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18523\">2.592<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1128\"><div><div class=\"ps31 ss1126\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17160 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps10709\">2.748<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23848 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19581 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps19601\">2.748<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17164 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps1595\">2.641<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19583 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25700 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps12450\">2.641<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25706 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1128\"><div><div class=\"ps31 ss1126\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps17130 ss1425\"><div><div class=\"ps31 ss1424\"><span class=\"f charStyle-1dbd4d87 ps80\">\u00dcbertragene Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13367 ss1425\"><div><div class=\"ps31 ss1424\"><span class=\"f charStyle-1dbd4d87 ps10583\">Erhaltene Sicherheitsleistungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1127\"><div><div class=\"ps516 ss1126\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25692 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps10825\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23836 ss43\"><div><div class=\"ps1485 ss40\"><span class=\"f charStyle-1dbd4d87 ps6397\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps25693\">Verbriefungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19392 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps25694\">davon R\u00fcckkauf- <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps25695\">vereinbarung</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25696 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps10825\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps19394 ss43\"><div><div class=\"ps1485 ss40\"><span class=\"f charStyle-1dbd4d87 ps6397\">davon <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps25693\">Verbriefungen</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss632\"><div><div class=\"ps1485 ss624\"><span class=\"f charStyle-1dbd4d87 ps25694\">davon R\u00fcckkauf- <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss624\"><span class=\"f charStyle-1dbd4d87 ps25695\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1128\"><div><div class=\"ps31 ss1126\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17145 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps100\">441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23839 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25698 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps25702\">441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17150 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps100\">441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11098 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25699 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps25702\">441<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1128\"><div><div class=\"ps31 ss1126\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17153 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps9388\">3.366<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23843 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11724\">82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19572 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps25703\">3.284<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17158 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7065\">3.270<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19575 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps326\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16891 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps1464\">3.203<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1128\"><div><div class=\"ps31 ss1126\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17160 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps25704\">3.807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23848 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps95\">82<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19581 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps22172\">3.725<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17164 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps25705\">3.711<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19583 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps17768\">67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25700 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps22538\">3.644<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25707 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es bestehen derzeit keine Verbriefungsgesch\u00e4fte, bei denen finanzielle Verm\u00f6genswerte teilweise ausgebucht wurden.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-538": {
   "value": "<div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_838\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(37) Restlaufzeitengliederung<span id=\"i9f25bcd641984de3b8032c78e28285e4\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps22114\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25746\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps64 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps66 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21383\">35.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25755 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">334<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25756 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25757 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25758 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25759 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17782\">10.969<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25760 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24760\">20.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17548\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25761 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8921\">51.215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25762 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23242\">55.437<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">238<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25764\">810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">824<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps17518\">1.899<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20346\">715<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25768 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25769 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25770 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22076\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25771 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12533\">268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25772 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">806<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25773 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25774 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25775 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25776 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18507\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25777 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">3.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25780\">296<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">1.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25784 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25783\">1.700<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10913 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20066\">-368<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17454\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19924\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25787 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20841\">232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25789 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25788\">667<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20850 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25790 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18501\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25792 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25793 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25794 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25795 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps197 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18503\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25797 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25798 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10804\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25801 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25802 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25804 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25805 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25806 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25808 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25809 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23745\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25810 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25811 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps241 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25812 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11219 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25813 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25814 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25815 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25816 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25817 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25818 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25819 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5303 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25820 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17995\">50.983<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25822 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25821\">25.940<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25823 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17457\">18.605<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25825 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25824\">55.410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25826 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1462\">59.326<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25878 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps25827\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25828\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17780\">91.160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4159\">29.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8754\">13.615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22198\">22.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17407\">13.140<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20196\">90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25831 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25830\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25832 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25833 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21324\">1.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25834\">936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18498\">5.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25835\">2.717<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25836 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21319\">-347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20186\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24169\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25838 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25839 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20203\">292<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25840 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10764\">1.737<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25841 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25842 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19932\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25844 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25843\">321<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25845 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1065\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25846 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18789\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25847 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25848 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25850 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25851 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25852 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25854 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25855 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25856 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25857 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">886<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25859 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20213\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25860 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25861\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Zwischensumme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25863 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1498\">93.709<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25864 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18132\">32.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25865 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17799\">15.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25866 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17400\">29.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24677\">16.809<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25868 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17800\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25869 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25870 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25872 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25873 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8150\">116.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25874 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18132\">32.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25875 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17799\">15.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25876 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17400\">29.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25877 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24677\">16.809<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps22114\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25746\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps64 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps66 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps17896\">33.782<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25755 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18457\">1.089<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25756 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25757 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25758 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps2048 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25759 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17462\">16.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25760 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15113\">19.630<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17253\">14.980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25761 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17797\">47.741<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25762 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">49.186<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20998\">520<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">1.653<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18496\">802<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps3024 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25768 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25769 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25770 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25771 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25772 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20203\">622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps12884 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25773 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25774 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25775 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25776 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25777 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps14107 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19963\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17906\">2.104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25780\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18105\">1.580<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25784 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23947\">1.578<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps10913 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3068\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps11201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18521\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25787 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18497\">403<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25789 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">521<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps20850 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25790 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25792 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25793 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25794 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25795 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps195 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps197 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18504\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25797 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25798 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps207 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18121\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25801 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25802 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps220 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18506\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25804 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25805 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25806 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps233 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">87<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25808 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25809 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25810 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25811 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps239 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps241 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25812 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps11219 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25813 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25814 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1666 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25815 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25816 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25880\">1.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25817 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25818 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25819 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5303 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25820 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25881\">54.842<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25822 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1458\">24.425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25823 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17585\">15.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25825 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25882\">52.035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25826 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25883\">52.712<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25890 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps25827\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25828\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17271\">87.071<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24760\">24.663<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17676\">15.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25884\">25.826<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17437\">10.458<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps77 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps79 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25829 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18388\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25831 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22076\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25832 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25885\">839<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25833 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">166<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps2066 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18462\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25765 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">1.339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23853 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25886\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25766 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5934\">4.926<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25767 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18658\">2.382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1497 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25836 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20771\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18465\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25838 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17181\">707<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25839 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">538<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1508 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25840 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4148\">1.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25841 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">920<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25842 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25844 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18497\">340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1521 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25845 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18506\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25846 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21545\">110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25847 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25848 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1533 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25850 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25851 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25852 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1547 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25854 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23875 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25855 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25856 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps7234 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25857 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19210\">943<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19210\">364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25859 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25860 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20346\">157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps6429 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Zwischensumme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25863 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps5368\">89.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25864 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25887\">26.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25865 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19680\">17.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25866 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10129\">32.598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25888\">14.040<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps5197 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25868 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18523\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25869 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25870 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25872 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25873 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25889\">109.666<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25874 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25887\">26.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25875 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19680\">17.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25876 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10129\">32.598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25877 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25888\">14.040<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-537": {
   "value": "<div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_838\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(37) Restlaufzeitengliederung<span id=\"i9f25bcd641984de3b8032c78e28285e4\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps22114\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25746\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps64 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps66 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21383\">35.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25755 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">334<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25756 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25757 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25758 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25759 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17782\">10.969<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25760 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24760\">20.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17548\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25761 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8921\">51.215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25762 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23242\">55.437<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">238<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25764\">810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">824<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps17518\">1.899<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20346\">715<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25768 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25769 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25770 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22076\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25771 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12533\">268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25772 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">806<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25773 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25774 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25775 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25776 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18507\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25777 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">3.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25780\">296<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">1.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25784 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25783\">1.700<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10913 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20066\">-368<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17454\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19924\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25787 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20841\">232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25789 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25788\">667<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20850 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25790 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18501\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25792 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25793 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25794 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25795 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps197 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18503\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25797 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25798 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10804\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25801 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25802 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25804 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25805 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25806 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25808 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25809 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23745\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25810 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25811 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps241 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25812 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11219 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25813 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25814 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25815 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25816 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25817 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25818 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25819 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5303 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25820 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17995\">50.983<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25822 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25821\">25.940<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25823 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17457\">18.605<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25825 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25824\">55.410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25826 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1462\">59.326<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25878 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps25827\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25828\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17780\">91.160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4159\">29.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8754\">13.615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22198\">22.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17407\">13.140<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20196\">90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25831 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25830\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25832 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25833 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21324\">1.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25834\">936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18498\">5.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25835\">2.717<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25836 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21319\">-347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20186\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24169\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25838 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25839 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20203\">292<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25840 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10764\">1.737<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25841 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25842 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19932\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25844 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25843\">321<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25845 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1065\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25846 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18789\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25847 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25848 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25850 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25851 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25852 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25854 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25855 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25856 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25857 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">886<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25859 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20213\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25860 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25861\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Zwischensumme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25863 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1498\">93.709<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25864 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18132\">32.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25865 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17799\">15.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25866 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17400\">29.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24677\">16.809<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25868 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17800\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25869 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25870 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25872 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25873 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8150\">116.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25874 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18132\">32.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25875 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17799\">15.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25876 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17400\">29.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25877 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24677\">16.809<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps22114\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25746\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps64 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps66 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps17896\">33.782<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25755 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18457\">1.089<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25756 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25757 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25758 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps2048 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25759 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17462\">16.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25760 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15113\">19.630<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17253\">14.980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25761 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17797\">47.741<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25762 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">49.186<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20998\">520<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">1.653<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18496\">802<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps3024 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25768 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25769 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25770 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25771 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25772 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20203\">622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps12884 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25773 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25774 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25775 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25776 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25777 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps14107 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19963\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17906\">2.104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25780\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18105\">1.580<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25784 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23947\">1.578<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps10913 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3068\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps11201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18521\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25787 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18497\">403<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25789 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">521<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps20850 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25790 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25792 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25793 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25794 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25795 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps195 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps197 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18504\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25797 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25798 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps207 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18121\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25801 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25802 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps220 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18506\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25804 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25805 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25806 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps233 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">87<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25808 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25809 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25810 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25811 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps239 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps241 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25812 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps11219 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25813 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25814 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1666 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25815 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25816 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25880\">1.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25817 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25818 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25819 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5303 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25820 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25881\">54.842<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25822 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1458\">24.425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25823 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17585\">15.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25825 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25882\">52.035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25826 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25883\">52.712<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25890 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps25827\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25828\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17271\">87.071<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24760\">24.663<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17676\">15.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25884\">25.826<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17437\">10.458<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps77 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps79 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25829 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18388\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25831 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22076\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25832 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25885\">839<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25833 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">166<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps2066 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18462\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25765 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">1.339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23853 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25886\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25766 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5934\">4.926<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25767 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18658\">2.382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1497 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25836 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20771\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18465\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25838 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17181\">707<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25839 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">538<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1508 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25840 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4148\">1.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25841 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">920<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25842 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25844 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18497\">340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1521 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25845 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18506\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25846 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21545\">110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25847 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25848 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1533 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25850 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25851 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25852 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1547 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25854 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23875 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25855 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25856 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps7234 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25857 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19210\">943<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19210\">364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25859 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25860 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20346\">157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps6429 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Zwischensumme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25863 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps5368\">89.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25864 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25887\">26.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25865 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19680\">17.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25866 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10129\">32.598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25888\">14.040<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps5197 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25868 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18523\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25869 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25870 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25872 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25873 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25889\">109.666<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25874 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25887\">26.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25875 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19680\">17.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25876 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10129\">32.598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25877 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25888\">14.040<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-536": {
   "value": "<div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_838\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(37) Restlaufzeitengliederung<span id=\"i9f25bcd641984de3b8032c78e28285e4\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps22114\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25746\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps64 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps66 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21383\">35.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25755 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">334<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25756 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25757 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25758 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25759 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17782\">10.969<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25760 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24760\">20.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17548\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25761 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8921\">51.215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25762 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23242\">55.437<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">238<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25764\">810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">824<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps17518\">1.899<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20346\">715<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25768 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25769 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25770 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22076\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25771 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12533\">268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25772 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">806<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25773 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25774 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25775 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25776 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18507\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25777 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">3.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25780\">296<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">1.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25784 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25783\">1.700<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10913 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20066\">-368<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17454\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19924\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25787 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20841\">232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25789 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25788\">667<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20850 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25790 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18501\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25792 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25793 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25794 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25795 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps197 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18503\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25797 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25798 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10804\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25801 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25802 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25804 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25805 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25806 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25808 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25809 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23745\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25810 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25811 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps241 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25812 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11219 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25813 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25814 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25815 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25816 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25817 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25818 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25819 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5303 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25820 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17995\">50.983<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25822 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25821\">25.940<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25823 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17457\">18.605<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25825 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25824\">55.410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25826 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1462\">59.326<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25878 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps25827\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25828\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17780\">91.160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4159\">29.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8754\">13.615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22198\">22.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17407\">13.140<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20196\">90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25831 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25830\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25832 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25833 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21324\">1.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25834\">936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18498\">5.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25835\">2.717<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25836 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21319\">-347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20186\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24169\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25838 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25839 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20203\">292<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25840 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10764\">1.737<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25841 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25842 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19932\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25844 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25843\">321<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25845 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1065\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25846 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18789\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25847 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25848 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25850 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25851 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25852 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25854 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25855 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25856 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25857 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">886<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25859 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20213\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25860 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25861\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Zwischensumme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25863 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1498\">93.709<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25864 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18132\">32.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25865 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17799\">15.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25866 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17400\">29.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24677\">16.809<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25868 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17800\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25869 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25870 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25872 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25873 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8150\">116.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25874 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18132\">32.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25875 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17799\">15.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25876 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17400\">29.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25877 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24677\">16.809<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps22114\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25746\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps64 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps66 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps17896\">33.782<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25755 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18457\">1.089<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25756 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25757 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25758 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps2048 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25759 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17462\">16.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25760 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15113\">19.630<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17253\">14.980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25761 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17797\">47.741<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25762 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">49.186<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20998\">520<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">1.653<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18496\">802<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps3024 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25768 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25769 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25770 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25771 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25772 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20203\">622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps12884 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25773 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25774 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25775 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25776 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25777 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps14107 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19963\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17906\">2.104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25780\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18105\">1.580<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25784 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23947\">1.578<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps10913 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3068\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps11201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18521\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25787 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18497\">403<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25789 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">521<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps20850 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25790 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25792 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25793 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25794 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25795 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps195 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps197 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18504\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25797 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25798 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps207 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18121\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25801 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25802 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps220 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18506\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25804 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25805 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25806 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps233 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">87<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25808 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25809 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25810 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25811 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps239 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps241 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25812 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps11219 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25813 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25814 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1666 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25815 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25816 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25880\">1.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25817 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25818 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25819 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5303 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25820 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25881\">54.842<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25822 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1458\">24.425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25823 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17585\">15.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25825 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25882\">52.035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25826 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25883\">52.712<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25890 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps25827\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25828\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17271\">87.071<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24760\">24.663<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17676\">15.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25884\">25.826<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17437\">10.458<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps77 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps79 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25829 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18388\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25831 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22076\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25832 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25885\">839<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25833 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">166<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps2066 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18462\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25765 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">1.339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23853 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25886\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25766 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5934\">4.926<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25767 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18658\">2.382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1497 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25836 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20771\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18465\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25838 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17181\">707<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25839 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">538<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1508 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25840 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4148\">1.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25841 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">920<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25842 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25844 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18497\">340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1521 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25845 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18506\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25846 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21545\">110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25847 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25848 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1533 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25850 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25851 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25852 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1547 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25854 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23875 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25855 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25856 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps7234 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25857 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19210\">943<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19210\">364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25859 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25860 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20346\">157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps6429 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Zwischensumme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25863 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps5368\">89.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25864 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25887\">26.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25865 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19680\">17.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25866 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10129\">32.598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25888\">14.040<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps5197 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25868 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18523\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25869 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25870 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25872 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25873 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25889\">109.666<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25874 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25887\">26.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25875 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19680\">17.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25876 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10129\">32.598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25877 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25888\">14.040<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-535": {
   "value": "<div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_838\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(37) Restlaufzeitengliederung<span id=\"i9f25bcd641984de3b8032c78e28285e4\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps22114\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25746\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps64 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps66 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21383\">35.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25755 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">334<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25756 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25757 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25758 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25759 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17782\">10.969<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25760 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24760\">20.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17548\">17.299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25761 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8921\">51.215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25762 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23242\">55.437<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">238<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25764\">810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">824<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps17518\">1.899<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20346\">715<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25768 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25769 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20844\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25770 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22076\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25771 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12533\">268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25772 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">806<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25773 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25774 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25775 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25776 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18507\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25777 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">3.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25780\">296<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">1.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25784 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25783\">1.700<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10913 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20066\">-368<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17454\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19924\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25787 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20841\">232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25789 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25788\">667<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20850 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25790 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18501\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25792 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25793 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25794 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25795 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps197 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18503\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25797 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25798 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10804\">1.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25801 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25802 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25804 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25805 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25806 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25808 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25809 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23745\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25810 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25811 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps241 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25812 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11219 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25813 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25814 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25815 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20694\">560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25816 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25817 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25818 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25819 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5303 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25820 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17995\">50.983<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25822 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25821\">25.940<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25823 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17457\">18.605<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25825 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25824\">55.410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25826 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1462\">59.326<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25878 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps25827\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25828\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17780\">91.160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4159\">29.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8754\">13.615<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22198\">22.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17407\">13.140<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps79 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20196\">90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25831 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25830\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25832 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25833 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">194<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21324\">1.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25834\">936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18498\">5.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25835\">2.717<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25836 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21319\">-347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20186\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24169\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25838 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25839 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20203\">292<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25840 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10764\">1.737<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25841 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25842 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19932\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25844 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25843\">321<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25845 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1065\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25846 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18789\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25847 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25848 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25850 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25851 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25852 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25854 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23875 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25855 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25856 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25857 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4119\">886<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25859 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20213\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25860 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25861\">141<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Zwischensumme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25863 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1498\">93.709<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25864 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18132\">32.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25865 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17799\">15.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25866 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17400\">29.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24677\">16.809<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25868 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17800\">22.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25869 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25870 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25872 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25873 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8150\">116.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25874 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18132\">32.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25875 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17799\">15.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25876 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17400\">29.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25877 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24677\">16.809<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps22114\">Kurzfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25746\">Langfristige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps64 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps66 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps17896\">33.782<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25755 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18457\">1.089<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25756 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25757 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000000;padding:0\"><div class=\"ps25758 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps2048 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25759 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17462\">16.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25760 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15113\">19.630<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17253\">14.980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25761 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17797\">47.741<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25762 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">49.186<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Other Comprehensive Income</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25763 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25765 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20998\">520<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25766 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">1.653<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25767 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18496\">802<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps3024 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25768 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">161<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25769 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18451\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25770 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25771 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25772 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps20203\">622<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps12884 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25773 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25774 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25775 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25776 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25777 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps14107 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19963\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17906\">2.104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25780\">299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25782 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18105\">1.580<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25784 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23947\">1.578<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps10913 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25786 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3068\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps11201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18521\">58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25787 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18497\">403<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25789 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">521<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps20850 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25790 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25792 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25793 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25794 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25795 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps195 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps197 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18504\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25796 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25797 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25798 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps207 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18121\">1.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25800 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25801 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25802 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25803 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps220 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18506\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25804 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25805 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25806 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25807 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps233 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18390\">87<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25808 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18774\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25809 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25810 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25811 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps239 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps241 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25812 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps11219 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25813 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25814 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1666 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25815 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25816 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25880\">1.023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25817 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25818 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25819 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5303 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25820 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25881\">54.842<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25822 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1458\">24.425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25823 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17585\">15.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25825 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25882\">52.035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps25826 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25883\">52.712<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25890 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps33 ss124\"><div><div class=\"ps31 ss123\"><span class=\"f charStyle-1dbd4d87 ps25827\">Kurzfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps25828\">Langfristige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps44 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps46 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25748\">F\u00e4llig bei Abruf <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25749\">oder ohne F\u00e4lligkeit</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25750 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps10951\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps23837 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps3122\">Mehr als 3 Monate<span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps8527\">bis 1 Jahr</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25752 ss1427\"><div><div class=\"ps12528 ss129\"><span class=\"f charStyle-1dbd4d87 ps25751\">Mehr als 1 Jahr bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps12628\">5 Jahre</span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps25754 ss1427\"><div><div class=\"ps12526 ss129\"><span class=\"f charStyle-1dbd4d87 ps25753\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps51 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17271\">87.071<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24760\">24.663<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17676\">15.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25884\">25.826<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17437\">10.458<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps77 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Designated Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Value Through Profit/Loss</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps79 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25829 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18388\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25831 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps22076\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25832 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps25885\">839<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25833 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">166<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps2066 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verbindlichkeiten - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18462\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25765 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16899\">1.339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23853 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25886\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25766 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5934\">4.926<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25767 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18658\">2.382<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1497 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25836 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20079\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20771\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18465\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25838 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17181\">707<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25839 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">538<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1508 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25840 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4148\">1.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25841 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">920<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25842 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25844 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18497\">340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1521 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25845 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18506\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25846 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21545\">110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25847 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25848 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1533 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25849 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5680\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25850 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25851 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25852 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23258\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps1547 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zur Ver\u00e4u\u00dferung gehaltene Verbindlichkeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25853 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25854 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps23875 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25855 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25856 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps7234 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Passiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25857 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19210\">943<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25858 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19210\">364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25859 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25860 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20346\">157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25862 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps6429 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Zwischensumme<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25863 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps5368\">89.327<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25864 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25887\">26.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25865 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19680\">17.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25866 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10129\">32.598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25867 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25888\">14.040<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps5197 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25868 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18523\">20.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25869 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25870 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25871 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #b6b6b6;padding:0\"><div class=\"ps25872 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25791\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25873 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25889\">109.666<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25874 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25887\">26.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25875 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19680\">17.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25876 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10129\">32.598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25877 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25888\">14.040<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentAssetsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-539": {
   "value": "<div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Risikobericht<span id=\"i7c7fd7eba9fb4b7581357e27413ea4cb\"></span></span></div><div class=\"ps1433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktives Risikomanagement ist eine Kernkompetenz der RBI. Um Risiken effektiv zu erkennen, einzustufen und zu steuern, </span></div><div class=\"ps2275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entwickelt der Konzern sein umfassendes Risikomanagement permanent weiter. Die Steuerung der ESG-Risiken (Umwelt, <span class=\"f ps24\"> </span></span></div><div class=\"ps2276 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Soziales, Unternehmensf\u00fchrung) ist bereichs\u00fcbergreifend implementiert und umfasst alle Risikobereiche. F\u00fcr n\u00e4here <span class=\"f ps24\"> </span></span></div><div class=\"ps2277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen wird auf den Nachhaltigkeitsbericht verwiesen. Das Risikomanagement ist ein integraler Bestandteil der </span></div><div class=\"ps2278 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtbanksteuerung und ber\u00fccksichtigt neben den gesetzlichen und aufsichtsrechtlichen Rahmenbedingungen insbesondere </span></div><div class=\"ps2279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Art, den Umfang und die Komplexit\u00e4t der Gesch\u00e4fte sowie die daraus resultierenden Risiken. Die nachfolgenden Werte </span></div><div class=\"ps2280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beziehen sich auf den aufsichtsrechtlichen Konsolidierungskreis nach CRR, welcher unwesentlich vom Konsolidierungskreis nach </span></div><div class=\"ps2281 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS abweicht. Die darin nicht enthaltenen Unternehmen des IFRS-Konsolidierungskreises sind risikom\u00e4\u00dfig im Beteiligungsrisiko </span></div><div class=\"ps13678 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgedeckt.</span></div><div class=\"ps25892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Risikobericht erl\u00e4utert die Grunds\u00e4tze und die Organisation des Risikomanagements und stellt die aktuelle Risikoposition </span></div><div class=\"ps25893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr alle materiellen Risiken dar.</span></div><div class=\"ps25895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(38) Grunds\u00e4tze des Risikomanagements<span id=\"i9034c52500584ca4ad3c936c9da385ac\"></span></span></div><div class=\"ps25896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern verf\u00fcgt \u00fcber ein System von Risikoprinzipien sowie Risikomessungs- und \u00dcberwachungsverfahren mit dem Ziel, die </span></div><div class=\"ps668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Risiken des Konzerns zu kontrollieren und zu steuern. Die Risikopolitik und die Grunds\u00e4tze des Risikomanagements <span class=\"f ps24\"> </span></span></div><div class=\"ps25897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden vom Vorstand festgelegt. In den Aufsichtsratsgremien werden diese regelm\u00e4\u00dfig berichtet und diskutiert. Zu den </span></div><div class=\"ps25898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Risikogrunds\u00e4tzen geh\u00f6ren dabei unter anderem folgende Prinzipien:</span></div><div class=\"ps25899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risikobewusstsein: Es wird eine Risikokultur gef\u00f6rdert, die bewusst mit den im Bankgesch\u00e4ft inh\u00e4renten Risiken </span></div><div class=\"ps25900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">umgeht, insbesondere durch die transparente Darstellung von Informationen und die Verwendung geeigneter </span></div><div class=\"ps25901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Methoden.</span></div><div class=\"ps11699 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risikobereitschaft: Das Eingehen von Risiken erfolgt vorsichtig und bedingt eine vordefinierte Mindestrendite auf das <span class=\"f ps24\"> </span></span></div><div class=\"ps11700 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Risiko.<span class=\"f ps24\"> </span></span></div><div class=\"ps25902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risikomanagement: Es werden State-of-the-Art Techniken f\u00fcr Risikomanagement und Risikocontrolling eingesetzt, </span></div><div class=\"ps25903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die der Materialit\u00e4t der Risiken entsprechen, sowie eine effektive Aggregation von Risikodaten und </span></div><div class=\"ps25904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Risikoberichtstechniken.<span class=\"f ps24\"> </span></span></div><div class=\"ps25905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Regulatorische Vorgaben: S\u00e4mtliche Vorschriften und Anforderungen seitens der Aufsicht an das Risikomanagement <span class=\"f ps24\"> </span></span></div><div class=\"ps25906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden ber\u00fccksichtigt und erf\u00fcllt.</span></div><div class=\"ps25907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Integriertes Risikomanagement: Kredit- und L\u00e4nderrisiken, Markt- und Liquidit\u00e4tsrisiken sowie operationelle Risiken <span class=\"f ps24\"> </span></span></div><div class=\"ps25908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden als Hauptrisiken konzernweit gesteuert. Dazu werden diese Risiken gemessen, aggregiert, limitiert und der </span></div><div class=\"ps25909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">verf\u00fcgbaren Risikodeckungsmasse gegen\u00fcbergestellt.</span></div><div class=\"ps25910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Einheitliche Methoden: Um einen konsistenten und koh\u00e4renten Risikomanagement-Ansatz zu gew\u00e4hrleisten, werden </span></div><div class=\"ps25911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">konzernweit einheitliche Methoden zur Risikobeurteilung und -limitierung eingesetzt. Dieses Vorgehen bildet die </span></div><div class=\"ps25912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Grundlage f\u00fcr eine einheitliche Konzernsteuerung in allen L\u00e4ndern und Gesch\u00e4ftssegmenten.</span></div><div class=\"ps25913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Kontinuierliche Planung: Die Risikostrategien und das Risikokapital werden w\u00e4hrend des j\u00e4hrlichen Budgetierungs- </span></div><div class=\"ps25914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">und Planungsprozesses \u00fcberarbeitet und bewilligt. Wesentliches Augenmerk wird dabei auf die Vermeidung von </span></div><div class=\"ps25915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Risikokonzentrationen gelegt.</span></div><div class=\"ps25916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Unabh\u00e4ngige Kontrolle: Es besteht eine klare personelle und funktionale Trennung zwischen den Gesch\u00e4fts- und allen </span></div><div class=\"ps25917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Risikomanagement-und Risikocontrolling-Aktivit\u00e4ten.</span></div><div class=\"ps25918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Vor- und Nachkalkulation: Risiken werden konsistent im Rahmen des Produktvertriebs und in der risikoadjustierten </span></div><div class=\"ps25919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Performance-Messung ber\u00fccksichtigt. Damit wird sichergestellt, dass Gesch\u00e4fte grunds\u00e4tzlich nur unter </span></div><div class=\"ps25920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ber\u00fccksichtigung des Risiko-Ertrags-Verh\u00e4ltnisses abgeschlossen und Anreize zum Eingehen hoher Risiken vermieden </span></div><div class=\"ps25921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden.</span></div><div class=\"ps25922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Neue Gesch\u00e4ftsfelder: Neue Produkte und Markteintritte werden im Vorfeld einer spezifischen Risikoanalyse und </span></div><div class=\"ps25923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Risikobewertung unterzogen und in den daf\u00fcr vorgesehenen Gremien beschlossen. </span></div><div class=\"ps25924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Einklang mit diesen Grunds\u00e4tzen werden von den Risikomanagement-Einheiten des Konzerns detaillierte Risikostrategien </span></div><div class=\"ps25925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgearbeitet, die diese allgemeinen Richtlinien in konkrete Ziele und spezifische Standards \u00fcberf\u00fchren. Die \u00fcbergeordnete </span></div><div class=\"ps25926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtbank-Risikostrategie leitet sich dabei aus der Gesch\u00e4ftsstrategie sowie aus dem Risikoappetit des Konzerns ab und </span></div><div class=\"ps25927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erg\u00e4nzt diese um risikorelevante Gesichtspunkte zur geplanten Gesch\u00e4ftsstruktur und zur strategischen Entwicklung. Diese </span></div><div class=\"ps25928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aspekte umfassen beispielsweise strukturelle Limits oder Kapitalquotenziele, die in der Budgetierung und im Rahmen der </span></div><div class=\"ps25929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsentscheidungen eingehalten werden m\u00fcssen. Weitere spezifische Ziele f\u00fcr die einzelnen Risikokategorien werden in </span></div><div class=\"ps25930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Detail-Risikostrategien festgelegt. So definiert die Kreditrisikostrategie des Konzerns z. B. Kreditportfoliolimits f\u00fcr einzelne </span></div><div class=\"ps25931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">L\u00e4nder, Segmente und Industrien und regelt die Kompetenzzuordnung f\u00fcr Einzelkreditentscheidungen.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(39) Organisation des Risikomanagements<span id=\"ib6b3d789e3ef4c358d75a282b5e138fb\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand des Konzerns stellt die angemessene Organisation und die Weiterentwicklung des Risikomanagements sicher. Er </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entscheidet \u00fcber die angewendeten Methoden zur Identifikation, Messung und \u00dcberwachung der Risiken und trifft </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerungsma\u00dfnahmen anhand der erstellten Auswertungen und Analysen. Bei der Erf\u00fcllung dieser Aufgaben wird der </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorstand durch unabh\u00e4ngige Risikomanagement-Einheiten sowie spezifische Komitees unterst\u00fctzt. <span class=\"f ps24\"> </span></span></div><div class=\"ps2182 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Risikomanagement im Konzern erfolgt grunds\u00e4tzlich auf mehreren Ebenen. Die RBI AG entwickelt und implementiert die <span class=\"f ps24\"> </span></span></div><div class=\"ps2183 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzepte als \u00fcbergeordnetes Kreditinstitut und in Zusammenarbeit mit den einzelnen Tochtereinheiten des Konzerns. Die </span></div><div class=\"ps1398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zentralen Risikomanagement-Einheiten sind verantwortlich f\u00fcr die angemessene und geeignete Umsetzung der </span></div><div class=\"ps1399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Prozesse. Sie legen dazu Konzernrichtlinien fest und definieren gesch\u00e4ftsspezifische Vorgaben, Werkzeuge </span></div><div class=\"ps1400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Vorgehensweisen f\u00fcr alle Gesellschaften des Konzerns.</span></div><div class=\"ps25984 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:122.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:93pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:5.25pt\"><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"background-color:#f8f6f2;padding:0\"></td><td colspan=\"8\" style=\"background-color:#f1ede6;padding:0\"><div class=\"ps25938 ss1430\"><div><div class=\"ps25933 ss1429\"><span class=\"f charStyle-aac1e167 ps25932\">Aufsichtsrat </span></div><div class=\"ps25935 ss1429\"><span class=\"f charStyle-aac1e167 ps25934\">Arbeitsausschuss des Aufsichtsrats </span></div><div class=\"ps25937 ss1429\"><span class=\"f charStyle-aac1e167 ps25936\">Risikoausschuss des Aufsichtsrats</span></div></div></div></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:3pt\"><td colspan=\"9\" style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:3.75pt\"><td colspan=\"9\" style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td rowspan=\"5\" style=\"background-color:#f8f6f2;padding:0\"><div class=\"ps25943 ss1432\"><div><div class=\"ps25939 ss1431\"><span class=\"f charStyle-aac1e167 ps30\">Zentrale Risikomanagementeinheiten </span></div><div class=\"ps25940 ss1431\"><span class=\"f charStyle-aac1e167 ps30\">und -komitees</span></div><div class=\"ps25941 ss1431\"><span class=\"f charStyle-fbc4e99e ps14079\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-aac1e167 ps7208\">f\u00fcr alle Risikokategorien</span></div><div class=\"ps25942 ss1431\"><span class=\"f charStyle-fbc4e99e ps14079\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-aac1e167 ps7208\">f\u00fcr alle Konzerneinheiten</span></div></div></div></td><td colspan=\"8\" style=\"background-color:#ffd403;padding:0\"><div class=\"ps25945 ss1433\"><div><div class=\"ps3137 ss1429\"><span class=\"f charStyle-aac1e167 ps25944\">Raiffeisen Bank International (Vorstand)</span></div></div></div></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:3pt\"><td colspan=\"8\" style=\"background-color:#f1ede6;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:74.25pt\"><td colspan=\"3\" rowspan=\"3\" style=\"background-color:#fff0a6;padding:0\"><div class=\"ps25959 ss1434\"><div><div class=\"ps25946 ss1126\"><span class=\"f charStyle-aac1e167 ps18517\">Credit Management </span></div><div class=\"ps25948 ss1126\"><span class=\"f charStyle-aac1e167 ps25947\">(Firmenkunden, Finanzinstitute und \u00f6ffentlicher </span></div><div class=\"ps25949 ss1126\"><span class=\"f charStyle-aac1e167 ps21477\">Sektor, Retail)</span></div><div class=\"ps25950 ss1126\"><span class=\"f charStyle-aac1e167 ps88\"> Credit Portfolio Management </span></div><div class=\"ps25951 ss1126\"><span class=\"f charStyle-aac1e167 ps25279\">Risk Controlling </span></div><div class=\"ps25953 ss1126\"><span class=\"f charStyle-aac1e167 ps25952\">(Kredit-, Markt-, Liquidit\u00e4ts- und Non-financial </span></div><div class=\"ps25954 ss1126\"><span class=\"f charStyle-aac1e167 ps7195\">Risks inkl. operationelle Risiken) <span class=\"f ps24\"> </span></span></div><div class=\"ps25956 ss1126\"><span class=\"f charStyle-aac1e167 ps25955\">Special Exposures Management<span class=\"f ps24\"> </span></span></div><div class=\"ps25958 ss1126\"><span class=\"f charStyle-aac1e167 ps25957\">Group Risk Data und Regulatory Reporting</span></div></div></div></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td colspan=\"3\" rowspan=\"3\" style=\"background-color:#f1ede6;padding:0\"><div class=\"ps25975 ss1435\"><div><div class=\"ps25960 ss1366\"><span class=\"f charStyle-aac1e167 ps18465\">Group Risk Committee </span></div><div class=\"ps25961 ss1366\"><span class=\"f charStyle-aac1e167 ps466\">Group Asset/Liability Committee </span></div><div class=\"ps25962 ss1366\"><span class=\"f charStyle-aac1e167 ps18772\">Market Risk Committee </span></div><div class=\"ps25964 ss1366\"><span class=\"f charStyle-aac1e167 ps25963\">Credit Committees </span></div><div class=\"ps25965 ss1366\"><span class=\"f charStyle-aac1e167 ps19222\">Problem Loan Committee</span></div><div class=\"ps25966 ss1366\"><span class=\"f charStyle-aac1e167 ps20240\">Securitization Committee</span></div><div class=\"ps25967 ss1366\"><span class=\"f charStyle-aac1e167 ps1927\">Group Operational Risk Management &amp; Controls </span></div><div class=\"ps25969 ss1366\"><span class=\"f charStyle-aac1e167 ps25968\">Committee</span></div><div class=\"ps25971 ss1366\"><span class=\"f charStyle-aac1e167 ps25970\">Group Security Committee</span></div><div class=\"ps25972 ss1366\"><span class=\"f charStyle-aac1e167 ps22187\">Data Governance Committee</span></div><div class=\"ps25973 ss1366\"><span class=\"f charStyle-aac1e167 ps8062\">Artificial Intelligence Committee</span></div><div class=\"ps25974 ss1366\"><span class=\"f charStyle-aac1e167 ps17821\">Contingency/Recovery/Resolution Committee</span></div></div></div></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:15.75pt\"><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:3pt\"><td colspan=\"9\" style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:3pt\"><td colspan=\"9\" style=\"padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td rowspan=\"4\" style=\"background-color:#f8f6f2;padding:0\"><div class=\"ps16020 ss1436\"><div><div class=\"ps25976 ss1431\"><span class=\"f charStyle-aac1e167 ps30\">Lokale Risikomanagementeinheiten</span></div><div class=\"ps25977 ss1431\"><span class=\"f charStyle-aac1e167 ps30\"> und -komitees</span></div><div class=\"ps25978 ss1431\"><span class=\"f charStyle-fbc4e99e ps14079\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-aac1e167 ps7208\">f\u00fcr alle Risikokategorien</span></div><div class=\"ps25979 ss1431\"><span class=\"f charStyle-fbc4e99e ps14079\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-aac1e167 ps7208\">f\u00fcr alle Konzerneinheiten</span></div></div></div></td><td colspan=\"3\" style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td colspan=\"3\" style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:3pt\"><td colspan=\"3\" rowspan=\"2\" style=\"background-color:#ffd403;padding:0\"><div class=\"ps25981 ss1437\"><div><div class=\"ps25980 ss1126\"><span class=\"f charStyle-1dbd4d87 ps6818\">Banken und Leasingunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td colspan=\"3\" rowspan=\"2\" style=\"background-color:#ffd403;padding:0\"><div class=\"ps25983 ss1438\"><div><div class=\"ps25980 ss1366\"><span class=\"f charStyle-1dbd4d87 ps25982\">Bankdienstleistungsgesellschaften<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td colspan=\"8\" style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"background-color:#f8f6f2;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps25990 ss0\"><div class=\"ss1439 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:87.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:87.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:87.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:87.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffd403;padding:0\"></td><td style=\"padding:0\"><div class=\"ps25989 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-f7293bcd ps30\">Steuerungsebene</span></div></div></div></td><td style=\"background-color:#f8f6f2;padding:0\"></td><td style=\"padding:0\"><div class=\"ps22005 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-f7293bcd ps30\">Konzernaufgaben</span></div></div></div></td><td style=\"background-color:#f1ede6;padding:0\"></td><td style=\"padding:0\"><div class=\"ps5922 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-f7293bcd ps30\">Komitees</span></div></div></div></td><td style=\"background-color:#fff0a6;padding:0\"></td><td style=\"padding:0\"><div class=\"ps1442 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-f7293bcd ps30\">Bereich/Abteilung</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps25991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den Konzerneinheiten existieren lokale Risikomanagement-Einheiten. Diese implementieren die Risikopolitik in den jeweiligen </span></div><div class=\"ps25992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikokategorien und steuern das Gesch\u00e4ft innerhalb der genehmigten Risikobudgets, um die aus der Gesch\u00e4ftspolitik </span></div><div class=\"ps25993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">resultierenden Ziele zu erf\u00fcllen. Zu diesem Zweck \u00fcberwachen sie die entstehenden Risiken mithilfe standardisierter </span></div><div class=\"ps25994 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Messmethoden und melden diese \u00fcber definierte Reporting-Schnittstellen an die zentralen Risikomanagement-Einheiten.</span></div><div class=\"ps25995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Bankwesengesetz geforderte Funktion des zentralen und unabh\u00e4ngigen Risikocontrollings wird durch den <span class=\"f ps24\"> </span></span></div><div class=\"ps25996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">organisatorischen Bereich Group Risk Controlling ausge\u00fcbt. Dessen Aufgaben umfassen die Erstellung des konzernweiten und <span class=\"f ps24\"> </span></span></div><div class=\"ps25997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikokategorien\u00fcbergreifenden Regelwerks zur Konzern-Risikosteuerung und die unabh\u00e4ngige und neutrale Berichterstattung </span></div><div class=\"ps25998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber das Risikoprofil an den Risikoausschuss des Aufsichtsrats, den Gesamtvorstand und die einzelnen </span></div><div class=\"ps25999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbereichsverantwortlichen. Weiters werden hier das erforderliche Risikokapital f\u00fcr die unterschiedlichen </span></div><div class=\"ps26000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerneinheiten ermittelt und der Ausnutzungsgrad der festgelegten Risikokapitalbudgets zur Beurteilung der </span></div><div class=\"ps26001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Angemessenheit der Kapitalausstattung berechnet.</span></div><div class=\"ps26002 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Potenzieller Einfluss geopolitischer Spannungen und h\u00f6herer Z\u00f6lle der USA<span id=\"ia0b5a4c0345a48d1a23c876ae3e16011\"></span></span></div><div class=\"ps26003 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urspr\u00fcnglich wurde die Auswirkung geopolitischer Spannungen und erh\u00f6hter US-Z\u00f6lle im ersten Halbjahr 2025 bewertet, </span></div><div class=\"ps26004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zun\u00e4chst wurden jene Bruttoforderungen in den potenziell am st\u00e4rksten betroffenen Sektoren identifiziert und fr\u00fchzeitige </span></div><div class=\"ps26005 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Interventionsma\u00dfnahmen zu den potenziell am st\u00e4rksten betroffenen Bruttoforderungen durchgef\u00fchrt. Zweitens wurde ein </span></div><div class=\"ps26006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interner Stresstest durchgef\u00fchrt.</span></div><div class=\"ps26007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiters wurden im ersten Halbjahr 2025 Pr\u00e4ventivma\u00dfnahmen getroffen, indem 205 Kundengruppen der betroffenen Branchen </span></div><div class=\"ps24027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">analysiert und \u00fcberpr\u00fcft wurden. Im Zuge dessen wurden die Ratings der betroffenen Kunden entsprechend angepasst. </span></div><div class=\"ps24028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiters wurde der interne Ratingprozess im ersten Halbjahr 2025 um das Zollrisiko erweitert und als eines der wesentlichen </span></div><div class=\"ps24029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken festgelegt, das weiterer Analysen und Dokumentation bedarf. Nach den getroffenen Pr\u00e4ventivma\u00dfnahmen kam es zu </span></div><div class=\"ps24030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keinen wesentlichen Ratingverschlechterungen aufgrund der US-Z\u00f6lle. Zus\u00e4tzlich wurden die 150 gr\u00f6\u00dften Firmenkunden, </span></div><div class=\"ps24031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unabh\u00e4ngig ihrer Branche, einer speziellen \u00dcberpr\u00fcfung, hinsichtlich ihrer Liquidit\u00e4ts- und Refinanzierungsrisiken, unterzogen </span></div><div class=\"ps24032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(maturity wall excercise). Die \u00dcberpr\u00fcfung f\u00fchrte zu keinen Ratingherabstufungen, aufgrund ihres kurzfristigen </span></div><div class=\"ps24033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Refinanzierungsprofils wurde aber mit 10 Prozent dieser Kunden das Berichtswesen intensiviert (Buchhaltung, Liquidit\u00e4tsplan). </span></div><div class=\"ps24034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden diese Kunden kontinuierlich \u00fcberwacht und das Rating wird monatlich bis viertelj\u00e4hrlich \u00fcberpr\u00fcft. </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im dritten Quartal 2025 schloss die US-Regierung mehrere Zollvereinbarungen ab (z. B. mit der Europ\u00e4ischen Union), wodurch die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">extreme Unsicherheit und volatile Lage des zweiten Quartals entsch\u00e4rft wurde. Auf einige Kunden wirkten sich die US-Z\u00f6lle </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">leicht negativ aus, was zu ersten Ratingkorrekturen und Neubewertungen f\u00fchrte. Seit dem vierten Quartal 2025 werden Kunden </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit prim\u00e4rem US-Engagement \u2013 die durch die fr\u00fchzeitige Intervention im letzten Jahr und laufende Rating\u00fcberpr\u00fcfungen </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">identifiziert wurden \u2013 aufgrund potenzieller neuer Z\u00f6lle (Gr\u00f6nland-Debatte) kontinuierlich \u00fcberwacht. </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der im zweiten Quartal 2025 durchgef\u00fchrte interne Stresstest ergab keine unerwarteten Auswirkungen der Z\u00f6lle. Im Vergleich </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu externen und internen Ergebnissen war der Gesamteffekt, gemessen am Einfluss auf das CET 1, vergleichsweise geringer </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und wurde daher als innerhalb der genehmigten Risiko- und Kapitalplanung abgedeckt gesehen. Daher wurden keine </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlichen Overlays in den Risikokosten ber\u00fccksichtigt. Die erste Evaluierung konzentrierte sich auf die direkten Auswirkungen </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der US-Zollpolitik. Das betroffene Portfolio wird weiterhin intensiv \u00fcberwacht, um potenzielle Folgewirkungen fr\u00fchzeitig </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beurteilen zu k\u00f6nnen. </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiters passen sich die Marktrisikomodelle der RBI automatisch an ein volatiles Umfeld an, spezifische Szenarien f\u00fcr US-Z\u00f6lle </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden in der Modellkalkulation f\u00fcr das Marktrisiko aufgenommen. Die Marktbewegungen wurden im w\u00f6chentlichen </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisikokomitee \u00fcberwacht, ohne dass der Risikoappetit der RBI \u00fcberschritten wurde. Margin Calls werden genau \u00fcberwacht </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und liegen innerhalb der implementierten Methodik. Generell ist die Liquidit\u00e4tssituation stabil und nicht von den US-Z\u00f6llen </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflusst. </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prominente Zahlungsausf\u00e4lle in 2025 in den USA, haben Bedenken hinsichtlich einer \u00dcberhitzung des US-Private-Equity- und </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditmarktes sowie der Non-Banking Financial Institutions (NBFI) im Allgemeinen geweckt, verbunden mit der Sorge \u00fcber </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6gliche \u00dcbertragungseffekte auf die europ\u00e4ischen M\u00e4rkte. </span></div><div class=\"ps26008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum Jahresende 2025 bestand das Hauptengagement der RBI im Bereich Private-Equity- und Kreditmarkt aus Subscription </span></div><div class=\"ps2569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Credit Facilities (SCFs) in H\u00f6he von rund eine Milliarde (0,4 Prozent des Gesamtkreditvolumens der RBI) und </span></div><div class=\"ps2570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoverm\u00f6genswerten in Private Equity in H\u00f6he von rund \u20ac 210 Millionen.<span class=\"f ps24\"> </span></span></div><div class=\"ps2571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die SCFs bieten Br\u00fcckenfinanzierungen, die durch Kapitalzusagen von Fondsanlegern besichert sind. RBI finanziert prim\u00e4r <span class=\"f ps24\"> </span></span></div><div class=\"ps26009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Private Credit (rund \u20ac 490 Millionen) und Infrastruktur (rund \u20ac 365 Millionen), der Rest entf\u00e4llt auf Private Equity und Immobilien. </span></div><div class=\"ps26010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die SCF-Gesch\u00e4fte der RBI sind \u00fcberwiegend mit Investment Grade (Rating-Klasse 1-4) bewertet und verf\u00fcgen \u00fcber ein </span></div><div class=\"ps26011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diversifiziertes Portfolio an Investorenzusagen. Die Finanzierung der RBI umfasste besicherte Kreditfazilit\u00e4ten, die durch den </span></div><div class=\"ps26012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wert des zugrunde liegenden Fondsportfolios abgesichert wurden. Diese Fazilit\u00e4ten basieren auf einem differenzierten, <span class=\"f ps24\"> </span></span></div><div class=\"ps26013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">leistungsstarken Anlagenmix und profitieren von der deutlichen \u00dcberbesicherung des Nettoverm\u00f6genswerts. Die RBI war von </span></div><div class=\"ps26014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Zahlungsausf\u00e4llen nicht direkt betroffen.</span></div><div class=\"ps26015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Risikokomitees<span id=\"i40fd2982b7be4aa98cefc427890b3651\"></span></span></div><div class=\"ps26018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Group Risk Committee</span><span class=\"f charStyle-9eccfdcb ps26017\"> ist das \u00fcbergeordnete Entscheidungsgremium f\u00fcr alle risikorelevanten Themenbereiche des </span></div><div class=\"ps26019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns. Es beschlie\u00dft die Risikomanagement-Methoden und die Steuerungskonzepte, die f\u00fcr den Gesamtkonzern und </span></div><div class=\"ps26020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentliche Teilbereiche eingesetzt werden, und ist f\u00fcr die laufende Weiterentwicklung und Implementierung der Methoden </span></div><div class=\"ps26021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Parameter zur Risikomessung und die Verfeinerung der Steuerungsinstrumente verantwortlich. Dazu z\u00e4hlen auch der </span></div><div class=\"ps26022 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoappetit, unterschiedliche Risikobudgets und -limits auf Gesamtbankebene sowie die \u00dcberwachung der aktuellen </span></div><div class=\"ps26023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikosituation unter Ber\u00fccksichtigung einer angemessenen Kapitalausstattung und der entsprechenden Risikolimits. Es </span></div><div class=\"ps26024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewilligt die verschiedenen Risikomanagement- und -steuerungsaktivit\u00e4ten (z. B. die Allokation von Risikobudgets) und </span></div><div class=\"ps26025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterst\u00fctzt den Vorstand bei diesen T\u00e4tigkeiten. Der Zust\u00e4ndigkeitsbereich des Group Risk Committees umfasst auch </span></div><div class=\"ps26026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abwicklungsbezogene Themen und Entscheidungen, die die jeweiligen Richtlinien und Anforderungen des Single Resolution </span></div><div class=\"ps26027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Board (SRB) widerspiegeln.</span></div><div class=\"ps26029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Group Asset/Liability Committee </span><span class=\"f charStyle-9eccfdcb ps26028\">beurteilt und steuert das Bilanzstruktur- und Liquidit\u00e4tsrisiko und legt die Methodik f\u00fcr </span></div><div class=\"ps26030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das interne Transferpreissystem fest. Es nimmt wesentliche Aufgaben betreffend die langfristige Refinanzierungsplanung </span></div><div class=\"ps26031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie die Festlegung von Absicherungsma\u00dfnahmen zu strukturellen Zins- und W\u00e4hrungsrisiken wahr. Das Group Capital </span></div><div class=\"ps26032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management Committee und das Structural FX Committee sind Sub-Komitees des Group Asset/Liability Committee und </span></div><div class=\"ps26033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">analysieren, kontrollieren und steuern die regulatorischen Kapitalquoten bzw. das strukturelle W\u00e4hrungs- und Zinsrisiko der </span></div><div class=\"ps26034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalposition des Konzerns.</span></div><div class=\"ps26036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Market Risk Committee </span><span class=\"f charStyle-9eccfdcb ps26035\">steuert das Marktrisiko aus Handels- und Bankbuchgesch\u00e4ften und legt die entsprechenden </span></div><div class=\"ps26037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limits und Verfahren fest. In diese Steuerung flie\u00dfen insbesondere die Gesch\u00e4ftsergebnisse, die ermittelten Risiken und die </span></div><div class=\"ps26038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gemessene Limitauslastung sowie die Ergebnisse aus Szenarioanalysen und Stresstests betreffend Marktrisiken ein.</span></div><div class=\"ps26041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die</span><span class=\"f charStyle-283ba53a ps26039\"> Credit Committees</span><span class=\"f charStyle-9eccfdcb ps26040\"> setzen sich aus Vertreter:innen der Bereiche Markt und Marktfolge zusammen, wobei sich die </span></div><div class=\"ps26042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">personelle Besetzung je nach Kund:in f\u00fcr Firmenkunden, Finanzinstitute, den \u00f6ffentlichen Sektor sowie Retail unterscheidet. Sie </span></div><div class=\"ps26043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlie\u00dfen die konkreten Kreditvergabekriterien f\u00fcr einzelne Kundensegmente und L\u00e4nder und treffen im Rahmen des </span></div><div class=\"ps26044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditgenehmigungsprozesses und der rating- und volumenorientierten Kompetenzordnung alle sie betreffenden </span></div><div class=\"ps26045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditentscheidungen.</span></div><div class=\"ps26047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Problem Loan Committee</span><span class=\"f charStyle-9eccfdcb ps26046\"> ist das wesentliche Gremium im Prozess der Beurteilung und Entscheidungsfindung bei </span></div><div class=\"ps26048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kunden:innen mit eingeschr\u00e4nker Zahlungsf\u00e4higkkeit Sein Vorsitzender ist der Chief Risk Officer (CRO). Weitere </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">stimmberechtigte Mitglieder sind die f\u00fcr die Kundenbereiche verantwortlichen Vorstandsmitglieder, der Chief Financial Officer </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(CFO) sowie die relevanten Bereichs- und Abteilungsleiter:innen aus Risikomanagement und Special Exposures Management.</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Securitization Committee</span><span class=\"f charStyle-9eccfdcb ps26049\"> ist das Entscheidungsgremium f\u00fcr Limitantr\u00e4ge betreffend Verbriefungspositionen im Rahmen </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der konkreten Entscheidungsbefugnisse und erarbeitet \u00c4nderungsvorschl\u00e4ge zur Verbriefungsstrategie f\u00fcr den Vorstand. </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich dient das Securitization Committee als Plattform zum Austausch von Informationen bez\u00fcglich </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbriefungspositionen und Marktentwicklungen.</span></div><div class=\"ps2412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Das </span></span><span class=\"f charStyle-3d03e195 ps26016\"><span style=\"background-color:inherit\">Group Operational Risk Management &amp; Controls Committee</span></span><span class=\"f charStyle-26fbf26f ps26050\"><span style=\"background-color:inherit\"> setzt sich unter dem Vorsitz des CRO sowohl aus </span></span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Vertreter:innen der Gesch\u00e4ftsbereiche (Retail-, Markt- und Firmenkunden) als auch aus Vertreter:innen von Compliance </span></span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(inklusive Finanzkriminalit\u00e4t, Regulatorische Compliance), Internes Kontrollsystem (IKS), Security, IT Risk Management und Risk </span></span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Controlling zusammen. Dieses Gremium ist mit der Steuerung des operationellen Risikos (inklusive Verhaltensrisiken) betraut, </span></span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">um basierend auf dem Risikoprofil und der Gesch\u00e4ftsstrategie eine operationelle Risikostrategie abzuleiten und zu etablieren </span></span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie auf dieser Basis Entscheidungen im Hinblick auf Ma\u00dfnahmen, Kontrollen und Risikoakzeptanz zu treffen.</span></span></div><div class=\"ps16632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Group Security Committee</span><span class=\"f charStyle-9eccfdcb ps26051\"> ist verantwortlich f\u00fcr die Implementierung und Einhaltung der Security Policy und der IT Risk </span></div><div class=\"ps2467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management Policy f\u00fcr die Gruppe. Dies inkludiert unter anderem die Genehmigung der Security und der IT Risk Management </span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Policy, die Definition von Key Performance Indicators und Key Risk Indicators, die auf Gruppenebene sowie in den lokalen </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Security Committees berichtet werden m\u00fcssen, und die Definition und \u00dcberpr\u00fcfung des Risikoappetits in Bezug auf IT Risk und </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Security.</span></div><div class=\"ps26053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Data Governance Committee</span><span class=\"f charStyle-9eccfdcb ps26052\"> ist das \u00fcbergeordnete Entscheidungsgremium des Konzerns f\u00fcr alle Themenbereiche in </span></div><div class=\"ps12300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bezug auf Data Governance. Dies inkludiert insbesondere auch Themen betreffend Datenqualit\u00e4t sowie \u00fcber die Einhaltung der </span></div><div class=\"ps26008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">BCBS 239 Richtlinien. </span></div><div class=\"ps2474 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Artificial Intelligence Committee </span><span class=\"f charStyle-9eccfdcb ps26054\">ist das bereichs\u00fcbergreifende oberste Steuerungskomitee im RBI Konzern f\u00fcr Themen, </span></div><div class=\"ps2475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die die K\u00fcnstliche Intelligenz (KI) betreffen. Dies umfasst strategische und regulatorische Beaufsichtigung, Change </span></div><div class=\"ps2571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management, Ausbildung, transparente Kommunikation, die Einbeziehung der Stakeholder, Beratung des Vorstandes, das </span></div><div class=\"ps26009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reporting, sowie die Funktion als Eskalationsgremium f\u00fcr Themen die KI betreffen. </span></div><div class=\"ps26056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Contingency/Recovery/Resolution Committee</span><span class=\"f charStyle-9eccfdcb ps26055\"> ist ein durch den Vorstand einzuberufendes Entscheidungsgremium. Die </span></div><div class=\"ps26057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammensetzung des Gremiums variiert gegebenenfalls abh\u00e4ngig von der Intensit\u00e4t bzw. dem Fokus (z. B. Kapital und/oder </span></div><div class=\"ps26058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4t) situationsspezifischer Anforderungen. Kernaufgabe des Komitees ist es, die finanzielle Stabilit\u00e4t im Sinn des BaSAG </span></div><div class=\"ps26059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u00f6sterreichisches Banken-Sanierungs- und -Abwicklungsgesetz) bzw. der BRRD (Banking Recovery and Resolution Directive) im </span></div><div class=\"ps26060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fall einer kritischen Finanzsituation aufrechtzuerhalten bzw. wiederherzustellen.</span></div><div class=\"ps26061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Qualit\u00e4tssicherung und Revision<span id=\"i786cf3e6e91b46fc9051a2c0aaa4914f\"></span></span></div><div class=\"ps26062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Qualit\u00e4tssicherung in Bezug auf Risikomanagement bedeutet die Sicherstellung der Integrit\u00e4t, Zuverl\u00e4ssigkeit und Genauigkeit </span></div><div class=\"ps3384 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Prozessen, Modellen, Berechnungsvorg\u00e4ngen und Datenquellen. Dies soll die Einhaltung aller rechtlichen Vorgaben seitens </span></div><div class=\"ps26063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Konzerns und die Erf\u00fcllung h\u00f6chster Qualit\u00e4tsanforderungen in Bezug auf die Risikomanagement-Aktivit\u00e4ten </span></div><div class=\"ps26064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten. Zwei wichtige Funktionen in der unabh\u00e4ngigen Pr\u00fcfung werden durch die Bereiche Audit und Compliance </span></div><div class=\"ps26065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrgenommen. Der Einsatz einer unabh\u00e4ngigen internen Revision ist eine gesetzliche Vorgabe und zentraler Bestandteil des </span></div><div class=\"ps26066 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Kontrollsystems. Die Revision \u00fcberpr\u00fcft periodisch s\u00e4mtliche Gesch\u00e4ftsprozesse und tr\u00e4gt damit wesentlich zu deren <span class=\"f ps24\"> </span></span></div><div class=\"ps26067 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung und Verbesserung bei. Die dazu erstellten Berichte werden direkt an den Vorstand adressiert und regelm\u00e4\u00dfig in </span></div><div class=\"ps26068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dessen Sitzungen behandelt. Das Compliance Office verantwortet alle Themenstellungen rund um die Einhaltung gesetzlicher </span></div><div class=\"ps26069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anforderungen in Erg\u00e4nzung und als Bestandteil des internen Kontrollsystems. Damit wird die Einhaltung der bestehenden </span></div><div class=\"ps26070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelungen in den t\u00e4glichen Abl\u00e4ufen \u00fcberwacht. Die umfassende Kontrollfunktion f\u00fcr das Risikomanagement ist eine der </span></div><div class=\"ps26029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zentralen Aufgaben des Risikoausschusses des Aufsichtsrats, der zu diesem Zweck die Analysen und Berichte von Audit, </span></div><div class=\"ps26030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Compliance und Risikocontrolling heranzieht.</span></div><div class=\"ps26071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(40) Konzern-Risikosteuerung<span id=\"i559ec79f333e493396b89470fb0f5a50\"></span></span></div><div class=\"ps26072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sicherstellung einer angemessenen Kapitalausstattung ist eines der wesentlichen Ziele des Unternehmens. Die erforderliche </span></div><div class=\"ps26073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalausstattung wird dazu regelm\u00e4\u00dfig auf Basis des nach internen Modellen ermittelten Risikos beurteilt, wobei in der Wahl </span></div><div class=\"ps26074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der verwendeten Modelle auf die im j\u00e4hrlich durchgef\u00fchrten Risiko-Assessment beurteilte Wesentlichkeit der Risiken R\u00fccksicht </span></div><div class=\"ps26075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">genommen wird. Dieses Konzept der Konzern-Risikosteuerung ber\u00fccksichtigt die Kapitalerfordernisse sowohl aus </span></div><div class=\"ps26076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorischer Sicht (Normative Perspektive) als auch unter \u00f6konomischen Gesichtspunkten (\u00d6konomische Perspektive). Es </span></div><div class=\"ps26077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entspricht damit dem quantitativen Verfahren zur Beurteilung der Angemessenheit der internen Kapitalausstattung (ICAAP), </span></div><div class=\"ps26078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wie gesetzlich gefordert und in der von der Europ\u00e4ischen Zentralbank ver\u00f6ffentlichten Richtlinie f\u00fcr den ICAAP beschrieben. Der </span></div><div class=\"ps26079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesamte ICAAP-Prozess des Konzerns wird j\u00e4hrlich im Rahmen der aufsichtsrechtlichen Evaluierung der RBI </span></div><div class=\"ps26080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitutsgruppe gepr\u00fcft.</span></div><div class=\"ps26081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Risk Appetite Framework (RAF) limitiert das Gesamtrisiko des Konzerns im Einklang mit den strategischen Gesch\u00e4ftszielen </span></div><div class=\"ps26082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und alloziert das errechnete Risikokapital auf die unterschiedlichen Risikoarten und Gesch\u00e4ftsbereiche. Das vorrangige Ziel des </span></div><div class=\"ps26083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RAF ist, das Risiko insbesondere auch in adversen Szenarien und f\u00fcr gro\u00dfe singul\u00e4re Risiken so zu begrenzen, dass die Erf\u00fcllung <span class=\"f ps24\"> </span></span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorischer Mindestquoten gew\u00e4hrleistet ist. Das Risk Appetite Framework ist daher eng verbunden mit dem ICAAP und </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem ILAAP (Internal Liquidity Adequacy Assessment Process) und legt Konzentrationsrisikolimits f\u00fcr die im Risiko-Assessment </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als wesentlich eingestuften Risikoarten fest. Weiters besteht eine Verbindung zum Sanierungsplan, da die Grenzwerte f\u00fcr </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikokapazit\u00e4t und Risikotoleranz im RAF mit den jeweiligen Grenzwerten aus dem Sanierungsplan abgestimmt sind. \u00dcber den </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Vorstand beschlossenen Risikoappetit und die Risikostrategie des Konzerns und deren Umsetzung wird zudem regelm\u00e4\u00dfig </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Risikoausschuss des Aufsichtsrats berichtet.</span></div><div class=\"ps24768 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:102pt\"></td><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:120.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Ansatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1190\"><div><div class=\"ps264 ss1189\"><span class=\"f charStyle-1dbd4d87 ps30\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26084 ss1441\"><div><div class=\"ps264 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Messmethode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26085 ss1443\"><div><div class=\"ps264 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Konfidenzniveau<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00d6konomische Perspektive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1444\"><div><div class=\"ps264 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00d6konomisches Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26086 ss1445\"><div><div class=\"ps264 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Risiko, dass die unerwarteten <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Verluste aus \u00f6konomischer Sicht das </span></div><div class=\"ps3019 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">interne Kapital \u00fcbersteigen</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26087 ss1446\"><div><div class=\"ps264 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Der unerwartete Verlust f\u00fcr den Risikohorizont <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">von einem Jahr (\u00d6konomisches Kapital) darf den </span></div><div class=\"ps3019 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">aktuellen Wert des harten Kernkapitals nicht </span></div><div class=\"ps3704 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">\u00fcberschreiten.</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26088 ss1447\"><div><div class=\"ps264 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">99,90 Prozent<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Normative Perspektive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss1444\"><div><div class=\"ps264 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Stress-Szenarien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26089 ss1445\"><div><div class=\"ps264 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Risiko, eine nachhaltige <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Kernkapitalquote \u00fcber den </span></div><div class=\"ps3019 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Konjunkturzyklus hinweg zu <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">unterschreiten</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26090 ss1446\"><div><div class=\"ps264 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kapital- und Ertragsprognose f\u00fcr die dreij\u00e4hrige <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Planungsperiode bei Annahme eines <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">signifikanten makro\u00f6konomischen Abschwungs</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26091 ss1447\"><div><div class=\"ps264 ss1442\"><span class=\"f charStyle-6d404c82 ps30\">rund 95 Prozent</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00d6konomische Perspektive \u2013 \u00d6konomischer Kapitalansatz<span id=\"i97030c2c176c4b0a86bdc52183b5827c\"></span></span></div><div class=\"ps26094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Darin werden Risiken durch das \u00f6konomische Kapital gemessen, das eine vergleichbare Risikokennzahl f\u00fcr alle materiellen <span class=\"f ps24\"> </span></span></div><div class=\"ps26095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoarten darstellt. Das \u00f6konomische Kapital wird als die Summe von unerwarteten Verlusten aus den Gesch\u00e4ften aller </span></div><div class=\"ps26096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerneinheiten in den unterschiedlichen Risikokategorien berechnet. Zus\u00e4tzlich flie\u00dft ein allgemeiner Puffer f\u00fcr Risikoarten <span class=\"f ps24\"> </span></span></div><div class=\"ps26097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ein, die nicht explizit quantifiziert werden.<span class=\"f ps24\"> </span></span></div><div class=\"ps26098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern wendet zur Berechnung des \u00f6konomischen Kapitals ein Konfidenzniveau von 99,90 Prozent an. Das \u00f6konomische </span></div><div class=\"ps26099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapital stieg auf \u20ac 9.633 Millionen (Vorjahr: \u20ac 9.356 Millionen). Die Treiber waren vor allem das Kreditrisiko gegen\u00fcber dem <span class=\"f ps24\"> </span></span></div><div class=\"ps26100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6ffentlichen Sektor und Retail-Kunden. Dieser Anstieg wurde durch den R\u00fcckgang im Kreditrisiko gegen\u00fcber Firmenkunden zu </span></div><div class=\"ps26101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem Teil kompensiert. In der Allokation des Risikokapitals per 31. Dezember 2025 war gegen\u00fcber dem Jahresende 2024 ein </span></div><div class=\"ps26102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anstieg der Segmente S\u00fcdosteuropa und Osteuropa zu verzeichnen, w\u00e4hrend das Segment \u00d6sterreich zur\u00fcckging.</span></div><div class=\"ps26103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteile der einzelnen Risikoarten am \u00f6konomischen Kapital:</span></div><div class=\"ps26115 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss1179\"><div><div class=\"ps264 ss863\"><span class=\"f charStyle-1dbd4d87 ps17888\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17133 ss1179\"><div><div class=\"ps264 ss863\"><span class=\"f charStyle-1dbd4d87 ps20099\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19183 ss1179\"><div><div class=\"ps264 ss863\"><span class=\"f charStyle-1dbd4d87 ps17169\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19917 ss1179\"><div><div class=\"ps264 ss863\"><span class=\"f charStyle-1dbd4d87 ps20099\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko \u00f6ffentlicher Sektor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19184 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps26104\">1.892<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26105\"></span><span class=\"ps26105\">19,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19185 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps26104\">1.703<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19186 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21806\"></span><span class=\"ps21806\">18,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko Retail-Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19188 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps23726\">1.672<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17671 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">17,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19190 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps26106\">1.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19191 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11304\"></span><span class=\"ps11304\">15,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko Firmenkunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19193 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20027\">1.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26106\"></span><span class=\"ps26106\">11,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19195 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps26107\">1.300<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19197 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">13,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiko der Kapitalposition<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps17888\">1.290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20539\"></span><span class=\"ps20539\">13,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20272\">1.217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20150\"></span><span class=\"ps20150\">13,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Marktrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19923 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18460\">1.122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20114\"></span><span class=\"ps20114\">11,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19925 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps22149\">1.104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19927 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26108\"></span><span class=\"ps26108\">11,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Operationelles Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19929 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20105\">809<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19931 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5660\"></span><span class=\"ps5660\">8,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19933 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18521\">826<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19935 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1131\"></span><span class=\"ps1131\">8,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19937 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19932\">823<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19938 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20321\"></span><span class=\"ps20321\">8,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19939 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps22076\">785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19940 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5660\"></span><span class=\"ps5660\">8,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Risiko sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19942 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps26109\">246<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19944 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19249\"></span><span class=\"ps19249\">2,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19946 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19924\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19947 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19249\"></span><span class=\"ps19249\">2,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19949 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps26110\">169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19951 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26111\"></span><span class=\"ps26111\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19953 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18475\">230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19954 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18519\"></span><span class=\"ps18519\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Liquidit\u00e4tsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19956 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19922\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19958 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26112\"></span><span class=\"ps26112\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19960 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20132\">32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19962 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25788\"></span><span class=\"ps25788\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">CVA-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19964 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18454\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19966 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25788\"></span><span class=\"ps25788\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19967 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19945\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19969 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26113\"></span><span class=\"ps26113\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Risikopuffer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19970 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps26114\">459<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19972 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5660\"></span><span class=\"ps5660\">4,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19973 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps1125\">446<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19974 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5660\"></span><span class=\"ps5660\">4,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19975 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20150\">9.633<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19976 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17263\"></span><span class=\"ps17263\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19978 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps21394\">9.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19980 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17263\"></span><span class=\"ps17263\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regionale Allokation des \u00f6konomischen Kapitals nach Sitz der Konzerneinheit:</span></div><div class=\"ps26119 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19182 ss1179\"><div><div class=\"ps264 ss863\"><span class=\"f charStyle-1dbd4d87 ps17888\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17133 ss1179\"><div><div class=\"ps264 ss863\"><span class=\"f charStyle-1dbd4d87 ps20099\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19183 ss1179\"><div><div class=\"ps264 ss863\"><span class=\"f charStyle-1dbd4d87 ps17169\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19917 ss1179\"><div><div class=\"ps264 ss863\"><span class=\"f charStyle-1dbd4d87 ps20099\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19184 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps23726\">2.167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17667 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18782\"></span><span class=\"ps18782\">22,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19185 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20229\">2.381<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19186 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">25,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19188 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps13931\">2.387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17671 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">24,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19190 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20311\">2.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19191 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">24,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19193 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps21593\">2.584<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4146\"></span><span class=\"ps4146\">26,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19195 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps25834\">2.291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19197 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">24,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19963\">1.926<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26118\"></span><span class=\"ps26118\">20,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps19918\">1.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24345\"></span><span class=\"ps24345\">18,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19923 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps18475\">569<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25830\"></span><span class=\"ps25830\">5,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19925 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6 ps20208\">612<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19927 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25830\"></span><span class=\"ps25830\">6,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1180\"><div><div class=\"ps31 ss742\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19929 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps20150\">9.633<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19931 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17263\"></span><span class=\"ps17263\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19933 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87 ps21394\">9.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps19935 ss1179\"><div><div class=\"ps31 ss863\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17263\"></span><span class=\"ps17263\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das \u00f6konomische Kapital dient als wichtiges Instrument der Konzern-Risikosteuerung. Limits f\u00fcr das \u00f6konomische Kapital </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden dazu im j\u00e4hrlichen Budgetierungsprozess auf die einzelnen Gesch\u00e4ftsbereiche aufgeteilt und f\u00fcr die operative </span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung durch Volumen-, Sensitivit\u00e4ts- oder Value-at-Risk-Limits erg\u00e4nzt. Diese Planung im Konzern erfolgt jeweils f\u00fcr drei </span></div><div class=\"ps2405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahre auf revolvierender Basis und bezieht sich sowohl auf die zuk\u00fcnftige Entwicklung des \u00f6konomischen Kapitals als auch auf </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das zur Verf\u00fcgung stehende interne Kapital. Das \u00f6konomische Kapital wirkt sich somit wesentlich auf die Planung der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftigen Kreditvergabe und das Gesamtlimit f\u00fcr Marktrisiken aus.<span class=\"f ps24\"> </span></span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auch die risikoadjustierte Performance-Messung basiert auf diesem Risikoma\u00df. Dabei wird der Ertrag einer Gesch\u00e4ftseinheit in </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Relation zu dem \u00f6konomischen Kapital gesetzt, das dieser Einheit zuzurechnen ist (Verh\u00e4ltnis von risikoadjustiertem Ertrag zu </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoadjustiertem Kapital, RORAC). Dies ergibt eine vergleichbare Performance-Kennzahl f\u00fcr alle Gesch\u00e4ftseinheiten des </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns, die wiederum als Kennzahl in der Gesamtbanksteuerung, der diesbez\u00fcglichen zuk\u00fcnftigen Kapitalallokation und der </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verg\u00fctung f\u00fcr Gesch\u00e4ftsleiter:innen des Konzerns Ber\u00fccksichtigung findet.</span></div><div class=\"ps26120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Normative Perspektive \u2013 Stress-Szenarien<span id=\"i503b3185f0eb4035a8ac4937f29d028c\"></span></span></div><div class=\"ps13921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Analyse der Stress-Szenarien in der normativen Perspektive des ICAAP soll sicherstellen, dass der Konzern in einer <span class=\"f ps24\"> </span></span></div><div class=\"ps13922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrj\u00e4hrigen Planungsperiode auch in einem sich unerwartet verschlechternden makro\u00f6konomischen Umfeld \u00fcber ausreichend </span></div><div class=\"ps13923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hohe Kapitalquoten verf\u00fcgt. Die Analyse basiert auf einem mehrj\u00e4hrig angelegten makro\u00f6konomischen Stresstest, in dem <span class=\"f ps24\"> </span></span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hypothetische Marktentwicklungen bei einem signifikanten, aber realistischen wirtschaftlichen Abschwung simuliert werden. </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als Risikoparameter kommen dabei unter anderem Zinskurven, Wechselkurse und Wertpapierkurse, aber auch \u00c4nderungen der </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeit bzw. Rating-Migrationen im Kreditportfolio, sowie Verluste aus operationellen Risiken zum Einsatz.</span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Hauptaugenmerk dieses integrierten Stresstests gilt den resultierenden Kapitalquoten am Ende der mehrj\u00e4hrigen </span></div><div class=\"ps26121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrachtung. Diese sollen einen nachhaltigen Wert nicht unterschreiten und somit keine substanziellen Kapitalerh\u00f6hungen oder </span></div><div class=\"ps16736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">tiefergehenden Einschr\u00e4nkungen des Gesch\u00e4ftsvolumens notwendig machen. Die aktuell erforderliche Kapitalausstattung </span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">resultiert damit aus dem wirtschaftlichen R\u00fcckschlagpotenzial. In die unterstellten Stress-Szenarien flie\u00dfen dabei die Bildung </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von notwendigen Risikovorsorgen und potenzielle prozyklische Effekte (die zu einem Anstieg der regulatorischen </span></div><div class=\"ps16739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalerfordernisse f\u00fchren) ebenso ein wie Fremdw\u00e4hrungseffekte und sonstige Bewertungs- und Ertragskomponenten. </span></div><div class=\"ps26122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereits bekannte regulatorische \u00c4nderungen werden f\u00fcr die Planungsperiode ber\u00fccksichtigt.</span></div><div class=\"ps16741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Perspektive erg\u00e4nzt somit die sonst \u00fcbliche Risikomessung auf Basis des Value-at-Risk-Konzepts (das im Wesentlichen </span></div><div class=\"ps16742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf historischen Daten beruht). Dadurch k\u00f6nnen auch au\u00dfergew\u00f6hnliche und in der Vergangenheit nicht beobachtbare </span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktsituationen abgedeckt und potenzielle Auswirkungen dieser Entwicklungen abgesch\u00e4tzt werden. Der Stresstest </span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erm\u00f6glicht auch die Analyse von Risikokonzentrationen (z. B. in Einzelpositionen, Wirtschaftszweigen oder Regionen) und erlaubt </span></div><div class=\"ps26123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen Einblick in die Profitabilit\u00e4t, Liquidit\u00e4t und Solvabilit\u00e4t unter au\u00dfergew\u00f6hnlichen Umst\u00e4nden. Das Risikomanagement des </span></div><div class=\"ps26124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns steuert darauf aufbauend aktiv die Portfoliodiversifikation, z. B. durch Obergrenzen f\u00fcr das Gesamtobligo in einzelnen </span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirtschaftszweigen und L\u00e4ndern oder durch eine laufende Anpassung der entsprechenden Kreditvergabestandards.</span></div><div class=\"ps26126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(41) Kreditrisiko<span id=\"ia58d9c4ac82a49d8b3e615d3ecff2cd0\"></span></span></div><div class=\"ps26127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditrisiko ist das gr\u00f6\u00dfte Risiko im Gesch\u00e4ft des Konzerns. Das Kreditrisiko ist das Risiko, finanzielle Verluste zu erleiden, </span></div><div class=\"ps26128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn ein Kunde oder eine Gegenpartei des Konzerns seine bzw. ihre vertraglichen Verpflichtungen gegen\u00fcber dem Konzern <span class=\"f ps24\"> </span></span></div><div class=\"ps26129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht erf\u00fcllt. Das Kreditrisiko entsteht haupts\u00e4chlich im Zusammenhang mit Forderungen an Banken, Forderungen an Kunden </span></div><div class=\"ps26130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie Kreditzusagen und Finanzgarantien. Der Konzern ist auch anderen Kreditrisiken ausgesetzt, die sich aus Veranlagungen in <span class=\"f ps24\"> </span></span></div><div class=\"ps26131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schuldtiteln und anderen Engagements im Zusammenhang mit Handelsaktivit\u00e4ten, Derivaten, Vergleichsvereinbarungen und <span class=\"f ps24\"> </span></span></div><div class=\"ps26132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reverse-Repo-Gesch\u00e4ften ergeben.</span></div><div class=\"ps26133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditentscheidungsprozess<span id=\"i397c5b0783dd437890db723538c453dc\"></span></span></div><div class=\"ps14129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Non-Retail-Bereich durchl\u00e4uft jeder Kredit vor Vergabe den Kreditentscheidungsprozess. Dieser Prozess betrifft \u2013 neben der </span></div><div class=\"ps14130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergabe von Neukrediten \u2013 auch Krediterh\u00f6hungen, Prolongationen und \u00dcberziehungen sowie die \u00c4nderung risikorelevanter <span class=\"f ps24\"> </span></span></div><div class=\"ps14131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachverhalte, die der urspr\u00fcnglichen Kreditentscheidung zugrunde lagen (z. B. wirtschaftliche Situation des Kreditnehmers, </span></div><div class=\"ps14132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwendungszweck oder Sicherheiten). Er wird auch bei der Festlegung von kreditnehmerbezogenen Limits f\u00fcr Handels- und </span></div><div class=\"ps26134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emissionsgesch\u00e4fte sowie f\u00fcr sonstige mit Kreditrisiko behaftete Limits und Beteiligungen angewendet.<span class=\"f ps24\"> </span></span></div><div class=\"ps26135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditentscheidungen werden je nach Gr\u00f6\u00dfe und Art des Kredits anhand einer hierarchischen Kompetenzordnung gef\u00e4llt. F\u00fcr </span></div><div class=\"ps26136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">individuelle Kreditentscheidungen und die turnusm\u00e4\u00dfige Beurteilung der Adressenausfallrisiken sind dabei immer die </span></div><div class=\"ps26137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zustimmung der Bereiche Markt und Marktfolge einzuholen. F\u00fcr den Fall voneinander abweichender Beurteilungen einzelner </span></div><div class=\"ps26138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kompetenztr\u00e4ger wird via Eskalationsverfahren per Kompetenzordnung die n\u00e4chsth\u00f6here Kompetenzstufe aktiviert.</span></div><div class=\"ps26139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der gesamte Kreditentscheidungsprozess wird auf Basis einheitlich definierter Prinzipien und Richtlinien durchgef\u00fchrt. Die </span></div><div class=\"ps26140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbeziehungen zu multinationalen Kunden, die gleichzeitig Transaktionen mit mehreren Einheiten des Konzerns </span></div><div class=\"ps26141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abwickeln, werden z. B. durch das Global Account Management System unterst\u00fctzt. Dies wird durch die konzernweit eindeutige </span></div><div class=\"ps26142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Identifikation von Kunden im Non-Retail-Bereich erm\u00f6glicht.</span></div><div class=\"ps26143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditentscheidungen im Retail-Bereich erfolgen angesichts der hohen St\u00fcckzahl und geringeren Forderungsh\u00f6he in einem </span></div><div class=\"ps26144 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00f6heren Ausma\u00df automatisiert. Kreditantr\u00e4ge werden dabei vielfach in zentralen Bearbeitungsstellen mittels Credit Scorecards </span></div><div class=\"ps26145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beurteilt und freigegeben. Der Prozess wird durch entsprechende IT-Systeme unterst\u00fctzt.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfoliomanagement<span id=\"icb804afc88da47b4bceba8ec24bdb74a\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditportfolio des Konzerns wird unter anderem anhand der Portfoliostrategie, die wiederum auf der Gesch\u00e4fts- sowie </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Risikostrategie basiert, gesteuert. Anhand der gew\u00e4hlten Strategie wird die Kreditvergabe in unterschiedlichen L\u00e4ndern, </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirtschaftszweigen oder Produkttypen begrenzt und somit die Konzentration unerw\u00fcnschter Risiken vermieden. Dar\u00fcber </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinaus werden die langfristigen Entwicklungschancen in den einzelnen M\u00e4rkten einer st\u00e4ndigen Analyse unterzogen. Dies </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erm\u00f6glicht es, schon fr\u00fchzeitig strategische Weichenstellungen in Bezug auf das k\u00fcnftige Kreditengagement vorzunehmen.</span></div><div class=\"ps26146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberleitung der Zahlen aus dem IFRS-Konzernabschluss zum Kreditobligo (nach CRR)<span id=\"ib9e1b61f41de420ab48ca94047f15fa5\"></span></span></div><div class=\"ps26147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt eine \u00dcberleitung von den Bruttobuchwerten der Bilanzposten zum Kreditobligo (Bank- und </span></div><div class=\"ps19377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelsbuchbest\u00e4nde), das f\u00fcr die Portfoliosteuerung herangezogen wird. Dieses umfasst sowohl das bilanzielle als auch </span></div><div class=\"ps19378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">au\u00dferbilanzielle Kreditobligo vor Anwendung von Gewichtungsfaktoren und stellt somit den maximalen Forderungswert dar. </span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nicht enthalten sind Effekte der Kreditrisikominderung, wie z. B. pers\u00f6nliche und dingliche Sicherheiten, die in der </span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtbeurteilung des Kreditrisikos ebenfalls ber\u00fccksichtigt werden. Dieser Forderungsbegriff wird auch \u2013 sofern nicht explizit </span></div><div class=\"ps26148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anders angegeben \u2013 in den nachfolgenden Tabellen des Risikoberichts verwendet. Die Ursachen f\u00fcr Unterschiede zwischen den </span></div><div class=\"ps26149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gr\u00f6\u00dfen der internen Portfoliosteuerung und der externen Rechnungslegung liegen in abweichenden Konsolidierungskreisen </span></div><div class=\"ps26150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(regulatorisch versus IFRS), unterschiedlichen Abgrenzungen des Kreditvolumens, sowie der unterschiedlichen Darstellung des </span></div><div class=\"ps26151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvolumens, vor allem bei Repo-Gesch\u00e4ften sowie bei Derivaten, insbesondere SA-CCR (Standardansatz im </span></div><div class=\"ps26152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrahentenrisiko).</span></div><div class=\"ps26154 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken und sonstige Sichteinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps25465\">32.053<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24023\">31.532<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Amortized Cost<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17413\">157.739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18379\">150.512<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Fair Value Through Other Comprehensive Income<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21624\">4.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13932\">3.431<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte ohne Handelsabsicht - Mandatorily Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20426\">1.344<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps25861\">1.088<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Designated Fair Value Through Profit/Loss<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1233\">208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21914\">304<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzielle Verm\u00f6genswerte - Held For Trading<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps8209\">6.707<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17364\">5.492<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26153\">726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23767\">780<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Laufende Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">130<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Latente Steuerforderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20610\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1071\">1.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22227\">1.435<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Kreditzusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20223\">42.664<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24345\">37.635<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20224\">10.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17386\">9.243<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige erteilte Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18460\">5.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24346\">5.567<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcberleitungsdifferenz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20914\">-7.406<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20102\">-6.450<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kreditobligo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps869 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9392\">255.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps871 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8754\">240.914<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">Rund \u20ac 2,9 Milliarden der \u00dcberleitungsdifferenz sind auf das SA-CCR-Netting zur\u00fcckzuf\u00fchren.<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die detaillierte Analyse des Kreditportfolios erfolgt anhand der Unterteilung in Ratingstufen. Das Kundenrating erfolgt dabei f\u00fcr </span></div><div class=\"ps26155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die unterschiedlichen Forderungsklassen getrennt. F\u00fcr die Bonit\u00e4tsbeurteilung werden daf\u00fcr jeweils interne </span></div><div class=\"ps26156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoklassifizierungsverfahren (Rating- und Scoring-Modelle) eingesetzt, die auch zentral validiert werden. Die </span></div><div class=\"ps26157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeiten f\u00fcr unterschiedliche Ratingstufen werden nach Gesch\u00e4ftssegmenten getrennt ermittelt. Durch die </span></div><div class=\"ps26158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwendung einer Masterskala wird jedoch eine Vergleichbarkeit der Ratingstufen auch \u00fcber Gesch\u00e4ftssegmente hinweg </span></div><div class=\"ps26159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielt.</span></div><div class=\"ps26160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ratingmodelle in den Non-Retail-Segmenten Firmenkunden, Kreditinstitute und \u00f6ffentlicher Sektor sind konzernweit </span></div><div class=\"ps26161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einheitlich und sehen 27 Bonit\u00e4tsstufen der Masterskala vor. Scorecards f\u00fcr Retail-Forderungsklassen werden l\u00e4nderspezifisch </span></div><div class=\"ps26162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach konzernweit einheitlichen Richtlinien erstellt. Sowohl f\u00fcr die Ratingerstellung als auch f\u00fcr die Validierung stehen </span></div><div class=\"ps26163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsprechende Instrumente (z. B. Unternehmensbewertung, Rating- und Ausfalldatenbank) zur Verf\u00fcgung.</span></div><div class=\"ps11617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo nach Asset-Klassen (Ratingmodellen):<span class=\"f ps24\"> </span></span></div><div class=\"ps26167 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20038\">90.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26164\">86.684<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Projektfinanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26165\">11.606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20252\">9.727<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20223\">54.639<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21324\">48.730<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16744\">27.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20357\">28.853<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6ffentlicher Sektor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17467\">71.398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26166\">66.921<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps9392\">255.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8754\">240.914<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_865\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfolio \u2013 Firmenkunden<span id=\"i9d52d8a236f64bf4a92dd641357702e7\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die internen Ratingverfahren f\u00fcr Firmenkunden ber\u00fccksichtigen sowohl qualitative Faktoren als auch verschiedene Bilanz- und <span class=\"f ps24\"> </span></span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinnkennzahlen, die unterschiedliche Aspekte der Kundenbonit\u00e4t f\u00fcr verschiedene Branchen und L\u00e4nder abdecken. </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich enth\u00e4lt das Modell f\u00fcr kleine Firmenkunden auch eine Kontoverhaltenskomponente.</span></div><div class=\"ps19094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle zeigt das Kreditobligo nach internem Rating f\u00fcr Firmenkunden (Gro\u00dfkunden, mittelgro\u00dfe und kleine </span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenkunden). Zur besseren Lesbarkeit wurden die einzelnen Stufen der Ratingskala allerdings auf die zugrunde liegenden </span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">neun Hauptstufen zusammengefasst. </span></div><div class=\"ps26231 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:17.25pt\"></td><td style=\"padding:0;width:149.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:18pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1358\"><div><div class=\"ps516 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22006 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps25261\">Untere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss40\"><span class=\"f charStyle-1dbd4d87 ps1237\">Skala in %</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps26168\">Obere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss40\"><span class=\"f charStyle-1dbd4d87 ps1237\">Skala in %</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10632 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10633 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps24400\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10634 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7760 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps24400\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26169 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Minimales Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24271 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1091\">&gt; 0,0000%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5331\">\u2264 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26170 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps227\">2.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26171 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7128\"></span><span class=\"ps7128\">2,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26172 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5082\">1.920<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26173 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9387\"></span><span class=\"ps9387\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26174 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellente Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22015 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5331\">&gt; 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1937\">\u2264 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26175 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11960\">6.996<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26176 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8519\"></span><span class=\"ps8519\">7,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26178 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26177\">8.143<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26179 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1714\"></span><span class=\"ps1714\">9,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26180 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22020 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1937\">&gt; 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps9340\">\u2264 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26181 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps20970\">18.841<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26182 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10522\"></span><span class=\"ps10522\">20,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26183 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10775\">19.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26184 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16865\"></span><span class=\"ps16865\">22,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26185 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22026 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps9340\">&gt; 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5349\">\u2264 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26186 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13339\">23.835<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26187 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20487\"></span><span class=\"ps20487\">26,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26188 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12790\">22.781<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26189 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20487\"></span><span class=\"ps20487\">26,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26190 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Intakte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5349\">&gt; 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6356\">\u2264 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26191 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12812\">18.862<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26192 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10522\"></span><span class=\"ps10522\">20,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26193 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1089\">16.290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26194 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10596\"></span><span class=\"ps10596\">18,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26195 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Akzeptable Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22039 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6356\">&gt; 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26196\">\u2264 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26197 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10775\">12.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26199 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26198\"></span><span class=\"ps26198\">13,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26201 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26200\">10.736<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26202 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9385\"></span><span class=\"ps9385\">12,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26203 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Knappe Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22045 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26196\">&gt; 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26204\">\u2264 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26205 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21185\">3.359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26206 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10509\"></span><span class=\"ps10509\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26207 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11960\">2.846<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26208 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1553\"></span><span class=\"ps1553\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26209 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache bzw. minderwertige Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22050 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26204\">&gt; 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps2109\">\u2264 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26210 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6234\">1.355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26211 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10879\"></span><span class=\"ps10879\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26212 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6192\">1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26213 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10879\"></span><span class=\"ps10879\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7222 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr schwache bzw. zweifelhafte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22056 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps2109\">&gt; 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13257\">&lt; 100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10507 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26214\">1.060<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10508 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6246\"></span><span class=\"ps6246\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10510 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5082\">1.092<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8537 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6724\"></span><span class=\"ps6724\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26215 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22062 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26216\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26216\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26218 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13291\">1.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26219 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10879\"></span><span class=\"ps10879\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26220 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1595\">2.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26221 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11962\"></span><span class=\"ps11962\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26222 ss1274\"><div><div class=\"ps31 ss1269\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26223 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12601\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26224 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps449\"></span><span class=\"ps449\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26225 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17755\">53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26226 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps449\"></span><span class=\"ps449\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26227 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps11446\">90.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26228 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21189\"></span><span class=\"ps21189\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26229 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps18692\">86.684<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26230 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21189\"></span><span class=\"ps21189\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26235 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo gegen\u00fcber Firmenkunden stieg im Vergleich zum Jahresende 2024 um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps26232\">4.080</span><span class=\"f charStyle-9eccfdcb ps26233\"> Millionen auf \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps16715\">90.764<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps26234\"> Millionen. </span></div><div class=\"ps26236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die h\u00f6chsten Anstiege wurden in Rum\u00e4nien (\u20ac\u00a01.183 Millionen), Ungarn (\u20ac\u00a0685 Millionen), Tschechien (\u20ac\u00a0657 Millionen) und der </span></div><div class=\"ps26237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ukraine (\u20ac\u00a0488 Millionen) vorwiegend in den Rating-Klassen 4, 5 und 6 verzeichnet, welche teilweise durch R\u00fcckg\u00e4nge in den <span class=\"f ps24\"> </span></span></div><div class=\"ps26238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinigten Arabischen Emiraten (\u20ac\u00a0404 Millionen) und Luxemburg (\u20ac\u00a0350 Millionen) vorwiegend in den Rating-Klassen 2, 3 und 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps26239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kompensiert wurden.<span class=\"f ps24\"> </span></span></div><div class=\"ps26240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg in Rating-Klasse 5 resultierte zus\u00e4tzlich aus Ratingverschlechterungen einzelner tschechischer Kunden aus Rating-</span></div><div class=\"ps26241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klasse 4. Der Anstieg in Rating-Klasse 4 begr\u00fcndete sich zus\u00e4tzlich aus Ratingverschlechterungen einzelner \u00f6sterreichischer und </span></div><div class=\"ps26242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">britischer Kunden aus Rating-Klasse 3. In Rating-Klasse 2 resultierte der R\u00fcckgang haupts\u00e4chlich aus Ratingverschlechterungen </span></div><div class=\"ps26243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelner \u00f6sterreichischer und tschechischer Kunden zu Rating-Klasse 3 sowie aus Ratingverbesserungen zu Rating-Klasse 1 </span></div><div class=\"ps26244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelner \u00f6sterreichischer und luxemburgischer Kunden.</span></div><div class=\"ps26245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das f\u00fcnfstufige Rating-Modell f\u00fcr Projektfinanzierungen basiert auf den Slotting-Kriterien gem\u00e4\u00df EBA/RTS/2016/02. </span></div><div class=\"ps26257 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:14.25pt\"></td><td style=\"padding:0;width:187.5pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps26247\">6,1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10841 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgezeichnete Projektbonit\u00e4t \u2013 sehr geringes Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20175\">6.498<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17228\"></span><span class=\"ps17228\">56,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17471\">6.068<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17779\"></span><span class=\"ps17779\">62,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps26248\">6,2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26249 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Projektbonit\u00e4t \u2013 geringes Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18514\">4.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18029\"></span><span class=\"ps18029\">35,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18658\">2.746<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26250\"></span><span class=\"ps26250\">28,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps16494\">6,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26251 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Ausreichende Projektbonit\u00e4t \u2013 mittleres Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20841\">223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26252\">440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">4,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps7495\">6,4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26253 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache Projektbonit\u00e4t \u2013 hohes Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18763\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18789\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps16300\">6,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26254 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21402\">733<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">6,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4117\">409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1448\"><div><div class=\"ps31 ss765\"><span class=\"f charStyle-375ad3a6 ps26255\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26256 ss1450\"><div><div class=\"ps31 ss1449\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25075\">11.606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10643\">9.727<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg des Kreditobligos f\u00fcr Projektfinanzierungen um \u20ac</span><span class=\"f charStyle-9eccfdcb ps26258\">\u00a0</span><span class=\"f charStyle-9eccfdcb ps26259\">1.880</span><span class=\"f charStyle-9eccfdcb ps26260\"> Millionen wurde vor allem durch Anstiege in der Slowakei, </span></div><div class=\"ps26264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tschechien, Rum\u00e4nien und Bulgarien f\u00fcr Energieversorgungs- und Immobilienprojekte begr\u00fcndet</span><span class=\"f charStyle-9eccfdcb ps26262\">. Der Anstieg </span><span class=\"f charStyle-9eccfdcb ps26263\">in Deutschland </span></div><div class=\"ps26266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">war</span><span class=\"f charStyle-9eccfdcb ps26265\"> haupts\u00e4chlich auf eine mit dem Regulator abgestimmte Umgliederung von drei bestehenden ausgefallenen Kunden (\u20ac\u00a0328 </span></div><div class=\"ps26269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) aus dem Firmenkundenportfolio zu </span><span class=\"f charStyle-9eccfdcb ps26267\">Projektfinanzierungen zur\u00fcckzuf\u00fchren</span><span class=\"f charStyle-9eccfdcb ps26268\">. In Rum\u00e4nien kam es aufgrund der </span></div><div class=\"ps26270 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratingverschlechterung des Staates zu einer Ratingherabstufung im Projektfinanzierungsbereich von Rating-Klasse 6,1 zu <span class=\"f ps24\"> </span></span></div><div class=\"ps26271 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rating-Klasse 6,2.</span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo f\u00fcr Firmenkunden und Projektfinanzierungen nach dem Risikoland unter Ber\u00fccksichtigung des Garantiegebers nach </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regionen:</span></div><div class=\"ps4827 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19443\">29.655<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10095\"></span><span class=\"ps10095\">29,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26273\">27.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26250\"></span><span class=\"ps26250\">28,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Westeuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9589\">25.101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19413\"></span><span class=\"ps19413\">24,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10095\">24.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17779\"></span><span class=\"ps17779\">24,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">18.994<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24843\"></span><span class=\"ps24843\">18,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21350\">19.202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26274\"></span><span class=\"ps26274\">19,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26246\">18.368<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18514\"></span><span class=\"ps18514\">17,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26275\">16.119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18514\"></span><span class=\"ps18514\">16,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20250\">3.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8779\">3.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18434\"></span><span class=\"ps18434\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26277\">2.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">2,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25783\">2.143<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20356\"></span><span class=\"ps20356\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Asien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19192\">2.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17966\">2.224<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9393\">2.346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25880\">1.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7356\">102.370<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18487\">96.410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg in Zentraleuropa war durch die Zunahme von Krediten und Forderungen sowie Anleihen in Tschechien, Ungarn und </span></div><div class=\"ps25297 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Slowakei begr\u00fcndet. Der Anstieg in S\u00fcdosteuropa resultierte vor allem aus den erh\u00f6hten Krediten und Forderungen in </span></div><div class=\"ps26280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rum\u00e4nien, Serbien und Kroatien. In Westeuropa begr\u00fcndete sich der Anstieg durch die Erh\u00f6hung von Krediten und Forderungen </span></div><div class=\"ps26281 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Deutschland und der Schweiz. Der R\u00fcckgang in \u00d6sterreich resultierte vor allem aus der Verringerung von Krediten und </span></div><div class=\"ps26282 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen sowie Devisen-Gesch\u00e4ften. </span></div><div class=\"ps26283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo f\u00fcr Firmenkunden und Projektfinanzierungen nach Branchenzugeh\u00f6rigkeit der Erstkunden:</span></div><div class=\"ps26287 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Fertigung/Produktion<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23296\">24.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15180\"></span><span class=\"ps15180\">24,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17896\">23.422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9583\"></span><span class=\"ps9583\">24,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Gro\u00df- und Einzelhandel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26284\">20.674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7901\"></span><span class=\"ps7901\">20,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18006\">19.917<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10098\"></span><span class=\"ps10098\">20,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Immobilien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17676\">12.740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10661\"></span><span class=\"ps10661\">12,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17686\">12.380<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26275\"></span><span class=\"ps26275\">12,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzintermediation<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17185\">9.341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">9,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">8.584<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">8,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bauwesen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17909\">7.502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18434\"></span><span class=\"ps18434\">7,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20091\">6.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">6,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Energieversorgung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26285\">7.366<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">7,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20089\">6.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">7,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Transport, Lagerung und Verkehr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18469\">4.606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">4,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16878\">4.160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19736\"></span><span class=\"ps19736\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Freie Berufe/technische Dienstleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18115\">2.797<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">2,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26277\">2.879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">3,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Branchen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18488\">12.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11260\"></span><span class=\"ps11260\">12,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10098\">11.788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20175\"></span><span class=\"ps20175\">12,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7356\">102.370<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18487\">96.410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26289 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfolio \u2013 Retail-Kunden<span id=\"i689dfc1da3d6499abbcd3761d2f67acb\"></span></span></div><div class=\"ps26290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Asset-Klasse Retail-Kunden unterteilt sich in Privatpersonen sowie Klein- und Mittelbetriebe (KMU). F\u00fcr Retail-Kund:innen </span></div><div class=\"ps26291 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird ein duales Scoring-System eingesetzt, das eine Erst- und Ad-hoc-Analyse anhand der Kundendaten und eine <span class=\"f ps24\"> </span></span></div><div class=\"ps26292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhaltensanalyse anhand der Kontendaten umfasst. <span class=\"f ps24\"> </span></span></div><div class=\"ps26294 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Privatpersonen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25824\">50.942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26293\"></span><span class=\"ps26293\">93,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22192\">45.422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26293\"></span><span class=\"ps26293\">93,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Klein- und Mittelbetriebe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26285\">3.697<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">6,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20175\">3.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">6,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps25162\">54.639<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps19270\">48.730<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26295 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo f\u00fcr Retail-Kund:innen nach internem Rating:</span></div><div class=\"ps26330 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:147pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:18pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1452\"><div><div class=\"ps516 ss1451\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps25261\">Untere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss40\"><span class=\"f charStyle-1dbd4d87 ps1237\">Skala in %<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3814 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps26168\">Obere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss40\"><span class=\"f charStyle-1dbd4d87 ps1237\">Skala in %</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4225 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10461 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps24400\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7759 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9965 ss43\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps24400\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">0,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26296 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Minimales Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26297 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1888\">&gt; 0,00%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3822 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10101\">\u2264 0,17%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26298 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1642\">6.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24274 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13489\"></span><span class=\"ps13489\">11,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26299 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1589\">8.747<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26300 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10744\"></span><span class=\"ps10744\">18,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">1,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11091 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellente Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21447 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10101\">&gt; 0,17%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14924 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11411\">\u2264 0,35%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26301 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10737\">11.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22017 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8908\"></span><span class=\"ps8908\">20,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26302 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps223\">8.052<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26303 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20548\"></span><span class=\"ps20548\">16,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">1,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11508 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21454 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11411\">&gt; 0,35%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14936 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10492\">\u2264 0,69%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26305 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26304\">10.860<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22022 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12771\"></span><span class=\"ps12771\">19,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26306 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps22932\">8.335<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11510 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10359\"></span><span class=\"ps10359\">17,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">2,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26307 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21462 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10492\">&gt; 0,69%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24876 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21201\">\u2264 1,37%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26308 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6991\">9.823<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22028 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10744\"></span><span class=\"ps10744\">18,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26309 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps8637\">7.429<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21858 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11506\"></span><span class=\"ps11506\">15,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">2,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26310 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Intakte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21470 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21201\">&gt; 1,37%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24881 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17509\">\u2264 2,70%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26311 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7193\">6.678<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10115\"></span><span class=\"ps10115\">12,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26312 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12885\">4.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9383\"></span><span class=\"ps9383\">10,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">3,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26313 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Akzeptable Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21478 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17509\">&gt; 2,70%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24887 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6297\">\u2264 5,26%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26314 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10576\">3.419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22041 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1555\"></span><span class=\"ps1555\">6,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26315 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps202\">2.883<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11261\"></span><span class=\"ps11261\">5,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">3,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26316 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Knappe Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21485 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6297\">&gt; 5,26%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24892 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1997\">\u2264 10,00%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4241 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7196\">1.678<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22047 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6724\"></span><span class=\"ps6724\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26317 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7125\">1.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17703 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1534\"></span><span class=\"ps1534\">2,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26318 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache bzw. minderwertige Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21492 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1997\">&gt; 10,00%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24897 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21202\">\u2264 18,18%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26319 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps246\">986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22052 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15156\"></span><span class=\"ps15156\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26320 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps377\">691<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15658\"></span><span class=\"ps15658\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">4,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26321 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr schwache bzw. zweifelhafte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21501 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21202\">&gt; 18,18%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3857 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13257\">&lt; 100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10362 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps15095\">963<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10363 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15156\"></span><span class=\"ps15156\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8535 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps60\">825<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13003\"></span><span class=\"ps13003\">1,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">5,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26322 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21509 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26216\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3863 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26216\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26323 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps15149\">1.184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22064 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9387\"></span><span class=\"ps9387\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26324 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1553\">1.180<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17721 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps485\"></span><span class=\"ps485\">2,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss824\"><div><div class=\"ps31 ss799\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11523 ss39\"><div><div class=\"ps31 ss38\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26325 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps24037\">1.936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22070 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps485\"></span><span class=\"ps485\">3,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26326 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12957\">4.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11527 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15153\"></span><span class=\"ps15153\">8,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1453\"><div><div class=\"ps31 ss1451\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26328 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps26327\">54.639<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22075 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21189\"></span><span class=\"ps21189\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26329 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps23665\">48.730<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17733 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps21189\"></span><span class=\"ps21189\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund des Ratingmodell Updates von Point in Time (PIT) zu Through the Cycle (TTC) f\u00fcr Hypohekardarlehen in Tschechien im <span class=\"f ps24\"> </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mai 2025 kam es zu einer Verschiebung des betroffenen Portfolios von der Rating-Klasse 0,5 in niedrigere Ratingklassen. Das </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht geratete Kreditobligo umfasst unter anderem Kreditkartengesch\u00e4fte in \u00d6sterreich, Leasing-Unternehmen sowie Retail-</span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kunden in Kroatien und Kosovo. Diese Kunden verf\u00fcgen entweder noch \u00fcber kein internes Rating, oder es handelt sich um </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolios, die dem permanent partial use unterliegen oder Portfolios, f\u00fcr die ein PD-Modell implementiert wird. F\u00fcr Leasing-</span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen wird die Kreditw\u00fcrdigkeit auf Scorecard-Modellen basierend beurteilt. Der R\u00fcckgang der nicht gerateten Kunden </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">war vor allem darauf zur\u00fcck zu f\u00fchren, dass der Gro\u00dfteil des Kreditkartengesch\u00e4fts in \u00d6sterreich sowie das zugekaufte </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio in Serbien im ersten Quartal 2025 ein Rating erhalten haben. </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Retail-Forderungen nach Segmenten:</span></div><div class=\"ps26348 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:130.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1454\"><div><div class=\"ps12528 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11439\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1111\"><span class=\"f charStyle-1dbd4d87 ps22605\">Markets<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26331 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps5226\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1448 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10105\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26332 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11977\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16749 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18593\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Privatpersonen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26333 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps9392\">25.338<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1459 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps17784\">11.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26334 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19217\">2.614<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26335\">414<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26336\">10.641<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Klein- und Mittelbetriebe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26337 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26252\">2.177<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1470 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20024\">1.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26338 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16751\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20342\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21539\">64<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26340 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26339\">27.515<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1479 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps23283\">13.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26341 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps19950\">2.618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps1071\">517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps8927\">10.706<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps1864\">davon notleidendes Obligo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26343 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21445\">540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1489 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21510\">387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26345 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26344\">145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16489\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26109\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26353 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:130.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1454\"><div><div class=\"ps12528 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11439\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1111\"><span class=\"f charStyle-1dbd4d87 ps22605\">Markets<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26331 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps5226\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1448 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10105\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26332 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11977\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16749 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18593\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Privatpersonen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26333 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps18106\">22.107<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1459 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps4152\">10.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26334 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps19955\">2.696<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps26349\">394<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps18408\">9.388<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden \u2013 Klein- und Mittelbetriebe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26337 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps19187\">1.944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1470 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps26107\">1.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26338 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps20872\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps19968\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26340 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps4167\">24.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1479 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10638\">12.093<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26341 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps7494\">2.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26351\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26118\">9.389<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps1864\">davon notleidendes Obligo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26343 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26344\">541<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1489 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20196\">413<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26345 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26352\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21974\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20644\">70<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26358 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo gegen\u00fcber Retail-Kunden stieg </span><span class=\"f charStyle-9eccfdcb ps26354\">im Vergleich zum Jahresende 2024</span><span class=\"f charStyle-9eccfdcb ps26355\"> um \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps26356\">5.909</span><span class=\"f charStyle-9eccfdcb ps26357\"> Millionen. Der gr\u00f6\u00dfte Anstieg in </span></div><div class=\"ps26359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von \u20ac\u00a03.464 Millionen in Zentraleuropa resultierte aus erh\u00f6hten Verbraucher- und Hypothekarkrediten sowie </span></div><div class=\"ps26360 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmenfinanzierungen in Tschechien und der Slowakei. Der Anstieg in S\u00fcdosteuropa in H\u00f6he von \u20ac\u00a01.190 Millionen resultierte </span></div><div class=\"ps26361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus erh\u00f6hten Verbraucher- und Hypothekarkrediten in Kroatien, Serbien und Rum\u00e4nien. Im Segment Group Corporates &amp; </span></div><div class=\"ps26362 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Markets wurde ein Anstieg in H\u00f6he von \u20ac\u00a01.317\u00a0Millionen verzeichnet, vorwiegend aufgrund des gestiegenen </span></div><div class=\"ps26363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditkartengesch\u00e4fts in der Konzernzentrale. In Russland wurde das Retail-Kundenportfolio weiter reduziert, was durch die </span></div><div class=\"ps26364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwertung des russischen Rubels (plus 22 Prozent) teilweise kompensiert wurde. </span></div><div class=\"ps26365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegen\u00fcber Retail-Kund:innen nach Produkten:</span></div><div class=\"ps26368 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Hypothekarkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22392\">30.721<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17344\"></span><span class=\"ps17344\">56,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25085\">27.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15179\"></span><span class=\"ps15179\">57,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Verbraucherkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21350\">12.029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7901\"></span><span class=\"ps7901\">22,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12816\">11.040<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10128\"></span><span class=\"ps10128\">22,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">6.794<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10661\"></span><span class=\"ps10661\">12,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17371\">5.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26366\"></span><span class=\"ps26366\">11,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Finanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8761\">3.084<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23238\"></span><span class=\"ps23238\">5,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">2.456<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17240\"></span><span class=\"ps17240\">5,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcberziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4140\">1.442<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">2,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18384\">1.322<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">2,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Autokredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25886\">569<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25719\">753<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps25162\">54.639<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps19270\">48.730<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26388 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:130.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1454\"><div><div class=\"ps12528 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11439\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1111\"><span class=\"f charStyle-1dbd4d87 ps22605\">Markets<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26331 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps5226\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1448 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10105\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26332 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11977\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16749 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18593\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Hypothekarkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26333 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26285\">17.866<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1459 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19187\">4.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26334 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25886\">1.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20354\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21597\">7.488<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Verbraucherkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26337 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps18461\">5.247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1470 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20915\">5.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26338 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25714\">481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19968\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26369\">384<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26340 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21394\">2.056<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1479 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19948\">1.554<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26341 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20256\">807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20253\">257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps13931\">2.120<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Finanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26343 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26370\">1.479<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1489 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps19249\">1.101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26345 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps18480\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26371\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26372\">355<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcberziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26373 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps1069\">622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4431 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20196\">341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26374 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps22720\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26375 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23767\">33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26376 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20842\">359<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Autokredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26378 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26377\">243<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26379 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21510\">325<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26380 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26381 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26382 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26383 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26339\">27.515<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26384 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps23283\">13.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26385 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps19950\">2.618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26386 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps1071\">517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26387 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps8927\">10.706<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:130.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1454\"><div><div class=\"ps12528 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11439\">Group Corporates &amp; <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1111\"><span class=\"f charStyle-1dbd4d87 ps22605\">Markets<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26331 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps5226\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1448 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10105\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26332 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps11977\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16749 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps18593\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Hypothekarkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26333 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps17470\">15.932<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1459 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20255\">3.599<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26334 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps25087\">1.041<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21623\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps18689\">7.161<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Verbraucherkredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26337 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps18470\">4.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1470 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23759\">5.291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26338 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26390\">691<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23449\">84<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26372\">524<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditkarten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26340 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps23759\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1479 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26391\">1.541<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26341 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26392\">788<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26392\">258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps4119\">1.174<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">SME-Finanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26343 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20915\">1.039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1489 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps22195\">1.010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26345 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps24260\">71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26153\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26393\">260<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">\u00dcberziehungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26373 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26372\">542<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4431 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20211\">362<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26374 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps24055\">110<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26375 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20682\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26376 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26394\">269<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-375ad3a6 ps30\">Autokredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26378 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20842\">462<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26379 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26393\">290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26380 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26381 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26382 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16748\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1184\"><div><div class=\"ps31 ss1183\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26383 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps4167\">24.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26384 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps10638\">12.093<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26385 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps7494\">2.701<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26386 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26351\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26387 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26118\">9.389<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfolio \u2013 Kreditinstitute<span id=\"ieeaa0ec70c4b4b2aa8cedf9585b4fe50\"></span></span></div><div class=\"ps26395 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachfolgende Tabelle stellt das Kreditobligo an Kreditinstitute (ohne Zentralbanken) nach dem internen Rating dar. Die </span></div><div class=\"ps26396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeiten in dieser Asset-Klasse werden aufgrund der geringen Anzahl an Kunden (bzw. an beobachtbaren </span></div><div class=\"ps26397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausf\u00e4llen) in den einzelnen Rating-Stufen durch eine Kombination interner und externer Daten ermittelt. Die Verschiebungen <span class=\"f ps24\"> </span></span></div><div class=\"ps26398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">innerhalb der einzelnen Ratingklassen ergaben sich zum Teil aus der regelm\u00e4\u00dfigen Rekalibrierung der Ratingmodelle f\u00fcr </span></div><div class=\"ps26399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitute.</span></div><div class=\"ps26443 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:17.25pt\"></td><td style=\"padding:0;width:152.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:18pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1456\"><div><div class=\"ps516 ss1455\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26400 ss630\"><div><div class=\"ps1485 ss622\"><span class=\"f charStyle-1dbd4d87 ps1214\">Untere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps3282\">Skala in %</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1982 ss630\"><div><div class=\"ps1485 ss622\"><span class=\"f charStyle-1dbd4d87 ps3223\">Obere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps3282\">Skala in %</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23575 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps12431\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5661 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps6714\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10634 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps7190\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9965 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps6714\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26169 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Minimales Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26402 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26401\">&gt; 0,0000%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1998 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23578\">\u2264 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26404 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26403\">5.420<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26405 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps229\"></span><span class=\"ps229\">20,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26172 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps179\">4.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26300 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13355\"></span><span class=\"ps13355\">15,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26174 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellente Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26406 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23578\">&gt; 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2017 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1572\">\u2264 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26407 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps221\">3.570<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26408 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">13,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26178 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13080\">3.562<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26303 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22749\"></span><span class=\"ps22749\">12,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26180 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26409 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1572\">&gt; 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2035 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps25492\">\u2264 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26410 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13206\">13.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26412 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26411\"></span><span class=\"ps26411\">48,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26183 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps21181\">17.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11510 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12466\"></span><span class=\"ps12466\">59,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26185 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26413 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps25492\">&gt; 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2054 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps24412\">\u2264 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26415 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26414\">4.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26416 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20541\"></span><span class=\"ps20541\">15,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26188 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12897\">2.852<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21858 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6194\"></span><span class=\"ps6194\">9,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26190 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Intakte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26417 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps24412\">&gt; 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2069 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps8741\">\u2264 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26418 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps145\">341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26419 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8533\"></span><span class=\"ps8533\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26193 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps6299\">237<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12764\"></span><span class=\"ps12764\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26195 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Akzeptable Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26420 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps8741\">&gt; 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2085 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26421\">\u2264 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26422 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23475\">130<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26423 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24403\"></span><span class=\"ps24403\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26201 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17617\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25434\"></span><span class=\"ps25434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26203 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Knappe Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26424 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26421\">&gt; 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23119\">\u2264 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26425 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19309\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26426 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24403\"></span><span class=\"ps24403\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26207 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps16880\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17703 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25434\"></span><span class=\"ps25434\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26209 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache bzw. minderwertige Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26427 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23119\">&gt; 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26429 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26428\">\u2264 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26430 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps118\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26431 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26214\"></span><span class=\"ps26214\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26212 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps19569\">244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17711 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12764\"></span><span class=\"ps12764\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7222 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr schwache bzw. zweifelhafte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26432 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26428\">&gt; 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26433 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17560\">&lt; 100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23617 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps18638\">85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26434 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12769\"></span><span class=\"ps12769\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10510 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps118\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9814 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps177\"></span><span class=\"ps177\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26215 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26435 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps20548\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26436 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps20548\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23623 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26437 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14903\"></span><span class=\"ps14903\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26220 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17721 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14903\"></span><span class=\"ps14903\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26222 ss1117\"><div><div class=\"ps31 ss1116\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26438 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps16877\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26439 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14903\"></span><span class=\"ps14903\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26225 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12387\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11527 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps14903\"></span><span class=\"ps14903\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1457\"><div><div class=\"ps31 ss1455\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26440 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps7770\">27.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26441 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps9119\"></span><span class=\"ps9119\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26229 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps26442\">28.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17733 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps9119\"></span><span class=\"ps9119\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo gegen\u00fcber Kreditinstitute verringerte sich aufgrund des R\u00fcckgangs von Repo-Gesch\u00e4ften (\u20ac\u00a03.147 Millionen), </span></div><div class=\"ps26445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor allem in Frankreich, in Rating-Klasse 3, welche teilweise durch Anstiege in Deutschland kompensiert wurden. Demgegen\u00fcber </span></div><div class=\"ps26446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">standen Anstiege bei Krediten und Forderungen (\u20ac\u00a0641 Millionen) in \u00d6sterreich, Deutschland und den USA sowie bei <span class=\"f ps24\"> </span></span></div><div class=\"ps26447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internationalen Institutionen, die teilweise durch R\u00fcckg\u00e4nge in Russland kompensiert wurden. Weiters kam es zu Anstiegen bei </span></div><div class=\"ps26448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleihen (\u20ac 424 Millionen) vorwiegend bei internationalen Institutionen in Rating-Klasse 1. </span></div><div class=\"ps26449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo an Kreditinstitute (ohne Zentralbanken) nach Regionen:</span></div><div class=\"ps26454 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Westeuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20171\">12.933<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19473\"></span><span class=\"ps19473\">47,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17778\">15.709<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15109\"></span><span class=\"ps15109\">54,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16295\">4.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26450\"></span><span class=\"ps26450\">15,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20169\">4.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26451\"></span><span class=\"ps26451\">15,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Asien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18115\">2.779<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9397\"></span><span class=\"ps9397\">10,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4126\">1.832<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4150\"></span><span class=\"ps4150\">6,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18380\">1.096<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18380\">1.066<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18434\"></span><span class=\"ps18434\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18689\">585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20356\"></span><span class=\"ps20356\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18729\">510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26452\"></span><span class=\"ps26452\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20293\">314<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20081\">583<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26453\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10479\">5.093<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24843\"></span><span class=\"ps24843\">18,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20174\">4.783<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26274\"></span><span class=\"ps26274\">16,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24658\">27.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25703\">28.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo an Kreditinstitute (ohne Zentralbanken) nach Produkten:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Repo-Gesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">8.603<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17823\"></span><span class=\"ps17823\">31,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7798\">11.750<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15111\"></span><span class=\"ps15111\">40,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26455\">8.261<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17407\"></span><span class=\"ps17407\">30,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17897\">7.568<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10482\"></span><span class=\"ps10482\">26,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5934\">6.359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17456\"></span><span class=\"ps17456\">23,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">5.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10095\"></span><span class=\"ps10095\">20,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Geldmarkt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18124\">2.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23238\"></span><span class=\"ps23238\">9,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18735\">2.623<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">9,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17446\">618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20095\">534<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18515\">593<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20356\"></span><span class=\"ps20356\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26456\">444<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24658\">27.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25703\">28.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditportfolio \u2013 \u00d6ffentlicher Sektor<span id=\"ib8dddbd8d97a486794df5b8aa7818836\"></span></span></div><div class=\"ps26459 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine weitere Kundengruppe stellen souver\u00e4ne Staaten, Zentralbanken sowie regionale Gebietsk\u00f6rperschaften und andere <span class=\"f ps24\"> </span></span></div><div class=\"ps26460 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">staaten\u00e4hnliche Organisationen dar. Das Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor inkludiert lokale und regionale </span></div><div class=\"ps26461 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regierungen. <span class=\"f ps24\"> </span></span></div><div class=\"ps26462 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor (inklusive Zentralbanken) nach dem internen Rating:</span></div><div class=\"ps26532 ss0\"><div class=\"ss942 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:125.25pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td></tr><tr style=\"height:18pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1458\"><div><div class=\"ps516 ss149\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4396 ss112\"><div><div class=\"ps1485 ss111\"><span class=\"f charStyle-1dbd4d87 ps11279\">Untere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps26463\">Skala in %</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26464 ss112\"><div><div class=\"ps1485 ss111\"><span class=\"f charStyle-1dbd4d87 ps11077\">Obere PD-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps26463\">Skala in %</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6348 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps6299\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13624 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps14903\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16868 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps10806\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23581 ss112\"><div><div class=\"ps516 ss111\"><span class=\"f charStyle-1dbd4d87 ps14903\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26465 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgezeichnete Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26466 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps11322\">&gt; 0,0000%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26468 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps26467\">\u2264 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10880 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps6004\">12.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26469 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12496\"></span><span class=\"ps12496\">17,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26470 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps1534\">11.238<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26471 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18753\"></span><span class=\"ps18753\">16,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10883 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26472 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps26467\">&gt; 0,0300%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26473 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps12869\">\u2264 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10886 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps7193\">22.699<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26475 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26474\"></span><span class=\"ps26474\">31,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26476 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps256\">22.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26477 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps483\"></span><span class=\"ps483\">34,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26478 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26479 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps12869\">&gt; 0,0751%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26480 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps1227\">\u2264 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13213 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps7196\">12.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26481 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps159\"></span><span class=\"ps159\">18,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16890 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps6234\">12.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26482 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18753\"></span><span class=\"ps18753\">18,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26483 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Solide Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26484 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps1227\">&gt; 0,1878%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26485 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps2001\">\u2264 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13223 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps13163\">9.706<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26486 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15658\"></span><span class=\"ps15658\">13,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26487 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps13409\">8.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26488 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10879\"></span><span class=\"ps10879\">12,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26489 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellende Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26490 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps2001\">&gt; 0,4694%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26491 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps13518\">\u2264 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13235 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps26492\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26493 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12905\"></span><span class=\"ps12905\">3,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26494 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps6749\">2.843<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26495 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1667\"></span><span class=\"ps1667\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26496 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Ad\u00e4quate Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26497 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps13518\">&gt; 1,1735%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26498 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps5902\">\u2264 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13246 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps12614\">620<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26499 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps71\"></span><span class=\"ps71\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26500 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps343\">7.353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26501 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps297\"></span><span class=\"ps297\">11,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26502 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Fragliche Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26503 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps5902\">&gt; 2,9338%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26504 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps5355\">\u2264 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13258 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps1672\">8.741<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26505 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11961\"></span><span class=\"ps11961\">12,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26506 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps17445\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26507 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26508 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">H\u00f6chst fragliche Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26509 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps5355\">&gt; 7,3344%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26510 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps2020\">\u2264 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13271 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22667 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26511 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26512 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26513 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfallgef\u00e4hrdet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26514 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps2020\">&gt; 18,3360%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26515 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps12863\">&lt; 100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13283 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps26516\">1.442<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26518 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26517\"></span><span class=\"ps26517\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26519 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps23475\">1.477<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23620 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12474\"></span><span class=\"ps12474\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26520 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26521 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps22929\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26522 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps22929\">100%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6411 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10664\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26523 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26524 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps9392\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23626 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss785\"><div><div class=\"ps31 ss772\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26525 ss1460\"><div><div class=\"ps31 ss1459\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13301 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26526 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26527 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10094\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26528 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18559\"></span><span class=\"ps18559\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss150\"><div><div class=\"ps31 ss149\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13312 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps11227\">71.398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26529 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps11958\"></span><span class=\"ps11958\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26530 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps11960\">66.921<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26531 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps11958\"></span><span class=\"ps11958\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26533 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor stieg vor allem aufgrund des erh\u00f6hten Anleihenbestands (\u20ac\u00a08.268 </span></div><div class=\"ps26534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen) in \u00d6sterreich, Zentral- und S\u00fcdosteuropa sowie Westeuropa. Der Anstieg bei den Krediten und Forderungen </span></div><div class=\"ps26535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber dem \u00f6ffentlichen Sektor war vorwiegend auf erh\u00f6hte Einlagen bei der Oesterreichischen, tschechischen und </span></div><div class=\"ps26536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">slowakischen Nationalbank zur\u00fcckzuf\u00fchren. Die Geldmarktgesch\u00e4fte verringerten sich um \u20ac\u00a06.391 Millionen vor allem in </span></div><div class=\"ps26537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich und Rum\u00e4nien teilweise bedingt durch Anleihenk\u00e4ufe und wurden durch einen w\u00e4hrungsbedingten Anstieg in </span></div><div class=\"ps20184 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland kompensiert.</span></div><div class=\"ps3388 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg in Rating-Klasse 7 war auf die Ratingverschlechterung von Russland aus Rating-Klasse 6 zur\u00fcckzuf\u00fchren. Der </span></div><div class=\"ps3389 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anstieg in Rating-Klasse 1 resultierte aus erh\u00f6hten Repo-Gesch\u00e4ften und Kredite und Forderungen in Tschechien sowie Anleihen </span></div><div class=\"ps3390 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Deutschland und Niederlande. In Rating-Klasse 4 war der Anstieg durch den erh\u00f6hten Anleihenbestand in Ungarn, Bulgarien </span></div><div class=\"ps3391 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Italien begr\u00fcndet.</span></div><div class=\"ps26538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor (inklusive Zentralbanken) nach Produkten:</span></div><div class=\"ps26559 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26539 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26540 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25747 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26541 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25750 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19680\">37.480<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23837 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4134\"></span><span class=\"ps4134\">52,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25752 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15109\">29.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25754 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17961\"></span><span class=\"ps17961\">43,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26543 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26542\">15.656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26545 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26544\"></span><span class=\"ps26544\">21,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26546 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18471\">13.117<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26547 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26274\"></span><span class=\"ps26274\">19,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Geldmarkt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25755 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22712\">10.116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10661\"></span><span class=\"ps10661\">14,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25757 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17778\">16.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25758 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17891\"></span><span class=\"ps17891\">24,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Repo-Gesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">8.039<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25831 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17898\"></span><span class=\"ps17898\">11,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25832 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17966\">7.832<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25833 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17564\"></span><span class=\"ps17564\">11,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26548 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18465\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26549 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26550 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24310\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26551 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26552 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18396\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26553 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26554 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18695\">173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26555 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26556 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4161\">71.398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11192 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26557 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22192\">66.921<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26558 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor im Bereich Non Investment Grade (Rating 5 und darunter):</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18124\">8.797<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19473\"></span><span class=\"ps19473\">64,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4154\">6.855<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15111\"></span><span class=\"ps15111\">58,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17783\">1.808<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17450\"></span><span class=\"ps17450\">13,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20170\">2.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18514\"></span><span class=\"ps18514\">17,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18457\">1.343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22188\"></span><span class=\"ps22188\">9,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20112\">1.355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26560\"></span><span class=\"ps26560\">11,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bosnien und Herzegowina<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23944\">610<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">4,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">5,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Albanien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26561\">553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">4,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18501\">494<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19205\">484<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">3,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1131\">282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">2,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26562\">13.596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps9583\">11.691<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26457 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Obligo umfasst vor allem Einlagen der Konzerneinheiten bei lokalen Zentralbanken in Zentral-, Ost- und S\u00fcdosteuropa, die </span></div><div class=\"ps26563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Erf\u00fcllung der jeweiligen Mindestreservevorschriften und der kurzfristigen Veranlagung von \u00fcbersch\u00fcssiger Liquidit\u00e4t dienen </span></div><div class=\"ps26564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und daher untrennbar mit der Gesch\u00e4ftst\u00e4tigkeit in diesen L\u00e4ndern verbunden sind sowie russische und ukrainische </span></div><div class=\"ps26565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Staatsanleihen. Der Anstieg in Russland resultierte aus der Aufwertung des russischen Rubels. </span></div><div class=\"ps26566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">L\u00e4nderrisiko<span id=\"i5356c5b26daa49f698c4f129c95a41b9\"></span></span></div><div class=\"ps26568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das L\u00e4nderrisiko umfasst das Transfer- und Konvertibilit\u00e4ts-</span></div><div class=\"ps26569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risiko sowie das politische und makro\u00f6konomische Risiko im <span class=\"f ps24\"> </span></span></div><div class=\"ps26570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiteren Sinne. F\u00fcr die RBI ergibt sich dies aus grenz\u00fcber-</span></div><div class=\"ps26571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schreitenden Transaktionen und Operationen im Ausland </span></div><div class=\"ps26572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber ihre Tochtergesellschaften. Den Aktivit\u00e4ten auf den </span></div><div class=\"ps26573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernm\u00e4rkten wird dabei besondere Aufmerksamkeit <span class=\"f ps24\"> </span></span></div><div class=\"ps26574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gewidmet. Ein aktives L\u00e4nder-Risikomanagement wird <span class=\"f ps24\"> </span></span></div><div class=\"ps26575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konzernweit auf der Grundlage der regelm\u00e4\u00dfig vom Vorstand </span></div><div class=\"ps26576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">genehmigten L\u00e4nder-Risikorichtlinien sichergestellt. Diese </span></div><div class=\"ps26577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Politik ist Teil des Kreditportfolio-Limitsystems und legt eine </span></div><div class=\"ps26578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">strikte Begrenzung des grenz\u00fcberschreitenden Risikos f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps26579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelne L\u00e4nder fest, um Risikokonzentrationen zu vermeiden. </span></div><div class=\"ps26580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gleichzeitig soll die Politik Anreize f\u00fcr die Risikobereitschaft </span></div><div class=\"ps26581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">innerhalb der Kernm\u00e4rkte der RBI schaffen. Die Grenzwerte </span></div><div class=\"ps26582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die einzelnen L\u00e4nder werden anhand eines internen </span></div><div class=\"ps15004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modells festgelegt, das aus den S\u00e4ulen wie der eigenen </span></div><div class=\"ps15005 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalisierung der Gruppe, den internen L\u00e4nderratings und dem internen L\u00e4nderrisiko-Score, der auf Gr\u00f6\u00dfe und Dynamik des </span></div><div class=\"ps26583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landes und seines Bankensektors basiert. In den letzten Jahren gewannen geopolitische Risiken in der internen Steuerung der </span></div><div class=\"ps26584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI an Bedeutung und Aufmerksamkeit.</span></div><div class=\"ps15008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das L\u00e4nderrisiko spiegelt sich auch in der Produktpreisgestaltung und in der risikoadjustierten Performance-Messung durch das </span></div><div class=\"ps26585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interne System der Verrechnungspreise der Fonds wider. Auf diese Weise gibt die RBI den Gesch\u00e4ftseinheiten einen Anreiz, das </span></div><div class=\"ps26586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">L\u00e4nderrisiko zu mindern (z. B. durch den Abschluss von Versicherungen bei Exportkreditversicherungen oder die Suche nach </span></div><div class=\"ps26587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Garantiegebern in Drittl\u00e4ndern). Die aus der L\u00e4nder-Risikoanalyse gewonnenen Erkenntnisse werden nicht nur f\u00fcr die </span></div><div class=\"ps26588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Begrenzung des gesamten grenz\u00fcberschreitenden Engagements genutzt, sondern auch f\u00fcr die Steuerung des gesamten </span></div><div class=\"ps26589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditengagements in jedem einzelnen Land (d. h. einschlie\u00dflich des durch lokale Einlagen finanzierten Engagements). Auf diese </span></div><div class=\"ps26590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weise richtet die RBI ihre Gesch\u00e4ftsaktivit\u00e4ten auf die erwarteten makro\u00f6konomischen Trends in den verschiedenen M\u00e4rkten </span></div><div class=\"ps26591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus, was eine breite Diversifizierung ihres Kreditportfolios f\u00f6rdert. </span></div><div class=\"ps26592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Konzentrationsrisiko<span id=\"i38ece8a9536c4e6c807b7dc0407ace8a\"></span></span></div><div class=\"ps26593 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditportfolio des Konzerns ist sowohl nach Regionen als auch nach Branchen gut diversifiziert. Auch </span></div><div class=\"ps26594 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelkreditkonzentrationen werden auf Basis von Gruppen verbundener Kunden aktiv \u00fcber die Limitvergabe und regelm\u00e4\u00dfiges </span></div><div class=\"ps26595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reporting gesteuert um sicher zustellen, dass die Steuerung des Portfolios entsprechend granular ist. Die geografische </span></div><div class=\"ps26596 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgliederung der Forderungen spiegelt die breite Diversifikation des Kreditgesch\u00e4fts in den europ\u00e4ischen M\u00e4rkten des </span></div><div class=\"ps26597 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns wider. </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo aller Forderungsklassen gegliedert nach dem Risikoland des Kreditnehmers und gruppiert nach Regionen:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps12616\">83.300<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17271\"></span><span class=\"ps17271\">32,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19652\">76.079<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10130\"></span><span class=\"ps10130\">31,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16293\">40.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17445\"></span><span class=\"ps17445\">16,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22196\">36.519<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8761\"></span><span class=\"ps8761\">15,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24658\">25.568<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10660\"></span><span class=\"ps10660\">10,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12753\">23.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22188\"></span><span class=\"ps22188\">9,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">13.083<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">5,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19243\">12.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17240\"></span><span class=\"ps17240\">5,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11166\">2.596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20091\">2.881<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Slowenien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18686\">594<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22149\">525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18113\">46.453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps18006\"></span><span class=\"ps18006\">18,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26599\">47.517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17473\"></span><span class=\"ps17473\">19,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Westeuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7817\">45.879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps19473\"></span><span class=\"ps19473\">18,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22707\">44.943<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps8929\"></span><span class=\"ps8929\">18,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Deutschland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26600\">15.044<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23238\"></span><span class=\"ps23238\">5,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17798\">12.999<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">5,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Frankreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20055\">6.230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">2,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4123\">9.224<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25835\"></span><span class=\"ps25835\">3,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Schweiz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18504\">3.861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19240\">3.299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Gro\u00dfbritannien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26603 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18467\">3.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19240\">3.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Niederlande<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26604 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18403\">2.988<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18106\">2.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Spanien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26606 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20112\">2.451<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17979\">2.072<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Belgien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26607 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18383\">2.051<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26608 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20091\">1.595<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Italien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26609 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17444\">2.007<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26610 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">2.638<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Luxemburg<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26611 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18504\">1.938<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11156 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18402 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4126\">2.381<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Irland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26612 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20072\">1.065<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26613 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18406 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18466\">725<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26615 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26614\">4.502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7267 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26452\"></span><span class=\"ps26452\">1,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18409 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26616\">3.762<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps276 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26617 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8447\">46.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26618 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps18006\"></span><span class=\"ps18006\">18,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18413 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18683\">42.303<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18415 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17473\"></span><span class=\"ps17473\">17,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26619 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17956\">22.206<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26620 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">8,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18416 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26562\">20.462<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4146\"></span><span class=\"ps4146\">8,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26621 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8777\">8.907<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26622 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">3,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18420 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17449\">7.934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10804\"></span><span class=\"ps10804\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26623 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps468\">7.477<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7542 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">2,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18424 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10764\">7.173<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">3,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bosnien und Herzegowina<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26624 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26277\">2.879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26625 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18428 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20250\">2.753<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Albanien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26626 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10479\">2.406<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26627 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18431 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4142\">2.142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps335 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bulgarien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26628 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18515\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26629 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18435 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">491<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26630 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17516\">1.547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26631 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18439 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18115\">1.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps359 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26633 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26632\">15.102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26634 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20978\"></span><span class=\"ps20978\">5,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26635 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17218\">13.766<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26636 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps4150\"></span><span class=\"ps4150\">5,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26637 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17782\">14.820<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26638 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4146\"></span><span class=\"ps4146\">5,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26639 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17936\">13.379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23238\"></span><span class=\"ps23238\">5,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26641 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1131\">282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26642 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26643 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps390 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26645 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4171\">4.655<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26646 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20356\"></span><span class=\"ps20356\">1,8 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26647 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20254\">4.127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26648 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20150\"></span><span class=\"ps20150\">1,7 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps396 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Asien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26649 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18493\">5.072<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7328 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps26650\"></span><span class=\"ps26650\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26651 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17452\">4.297<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26652 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20356\"></span><span class=\"ps20356\">1,8 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps407 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Nordamerika<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26653 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8929\">4.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26654 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17390\"></span><span class=\"ps17390\">1,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26655 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11301\">4.584<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26656 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17390\"></span><span class=\"ps17390\">1,9 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps419 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Restliche Welt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26657 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8927\">3.648<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26658 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17388\"></span><span class=\"ps17388\">1,4 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26659 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17450\">3.298<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26660 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17388\"></span><span class=\"ps17388\">1,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-ebaa9193 ps30\"><span style=\"background-color:inherit\">Gesamt</span><span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26661 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ebaa9193 ps17131\"><span style=\"background-color:inherit\">255.421</span><span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26662 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ebaa9193\"><span class=\"ps13446\" style=\"background-color:inherit\"><span style=\"background-color:inherit\"></span></span><span class=\"ps13446\" style=\"background-color:inherit\"><span style=\"background-color:inherit\">100,0 %</span></span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26663 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ebaa9193 ps17279\"><span style=\"background-color:inherit\">240.914</span><span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10086 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ebaa9193\"><span class=\"ps13446\" style=\"background-color:inherit\"><span style=\"background-color:inherit\"></span></span><span class=\"ps13446\" style=\"background-color:inherit\"><span style=\"background-color:inherit\">100,0 %</span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26665 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der gr\u00f6\u00dfte Anstieg wurde in Zentraleuropa verzeichnet und</span><span class=\"f charStyle-9eccfdcb ps26664\"> resultierte im Wesentlichen aus erh\u00f6hten Krediten und Forderungen </span></div><div class=\"ps26666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Tschechien, Ungarn und der Slowakei, Hypothekarkrediten in Tschechien und der Slowakei sowie Anleihen in Ungarn, </span></div><div class=\"ps26667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tschechien und der Slowakei. In S\u00fcdosteuropa begr\u00fcndete sich der Anstieg durch einen h\u00f6heren Anleihenbestand sowie </span></div><div class=\"ps26668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erh\u00f6hten Krediten und Forderungen in Rum\u00e4nien, Kroatien, Bulgarien, Serbien und Albanien, welcher teilweise durch einen </span></div><div class=\"ps26669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckgang von Geldmarktgesch\u00e4ften in Rum\u00e4nien kompensiert wurde. In Osteuropa kam es zu einem Anstieg in Russland, der </span></div><div class=\"ps26671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch Aufwertung des russischen Rubels begr\u00fcndet war. In \u00d6sterreich resultierte</span><span class=\"f charStyle-9eccfdcb ps26670\"> der R\u00fcckgang aus verringerten </span></div><div class=\"ps26675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldmarktgesch\u00e4ften</span><span class=\"f charStyle-9eccfdcb ps26672\">, welcher teilweise durch Anstiege in </span><span class=\"f charStyle-9eccfdcb ps26673\">Anleihenbestand und Krediten und Forderungen</span><span class=\"f charStyle-9eccfdcb ps26674\"> kompensiert wurde.</span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo aller Forderungensklassen nach W\u00e4hrungen:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Euro (EUR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26676\">146.645<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8754\"></span><span class=\"ps8754\">57,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12599\">137.756<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17473\"></span><span class=\"ps17473\">57,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechische Krone (CZK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12172\">36.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11166\"></span><span class=\"ps11166\">14,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26677\">31.462<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17898\"></span><span class=\"ps17898\">13,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nischer Leu (RON)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26678\">15.900<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">6,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17216\">14.498<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">6,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">US-Dollar (USD)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26679\">15.644<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">6,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22196\">19.924<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25835\"></span><span class=\"ps25835\">8,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Russischer Rubel (RUB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8926\">14.391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23238\"></span><span class=\"ps23238\">5,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18709\">12.632<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">5,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarischer Forint (HUF)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17371\">9.583<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25835\"></span><span class=\"ps25835\">3,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18383\">8.710<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">3,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Serbischer Dinar (RSD)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17966\">3.782<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4175\">3.702<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ukrainische Hrywnja (UAH)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18658\">3.759<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20174\">3.355<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bosnische Marka (BAM)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18782\">2.811<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4123\">2.593<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Albanischer Lek (ALL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4126\">1.974<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18503\">1.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Schweizer Franken (CHF)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18115\">1.438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26680\">1.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17240\"></span><span class=\"ps17240\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Chinesischer Yuan (CNY)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18457\">1.089<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17979\">1.044<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Britisches Pfund (GBP)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26603 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20333\">773<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18507\">761<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Polnischer Zloty (PLN)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26604 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21402\">733<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20227\">732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Andere Fremdw\u00e4hrungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26606 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20215\">771<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22149\">785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26607 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17131\">255.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26608 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17279\">240.914<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo des Konzerns nach Branchenzugeh\u00f6rigkeit:</span></div><div class=\"ps26682 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Versicherungsgewerbe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17884\">64.101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8761\"></span><span class=\"ps8761\">25,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17760\">68.157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19473\"></span><span class=\"ps19473\">28,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Private Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9589\">51.021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17469\"></span><span class=\"ps17469\">20,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23524\">46.083<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26560\"></span><span class=\"ps26560\">19,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6ffentliche Verwaltung, Verteidigung, Sozialversicherungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17142\">37.713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4177\"></span><span class=\"ps4177\">14,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23524\">30.489<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16295\"></span><span class=\"ps16295\">12,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges verarbeitendes Gewerbe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26250\">19.612<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17382\"></span><span class=\"ps17382\">7,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17782\">18.402<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21319\"></span><span class=\"ps21319\">7,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Handelsvermittlung und Gro\u00dfhandel (ohne Handel mit Kraftfahrzeugen)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17895\">15.305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">6,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19473\">14.714<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">6,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Grundst\u00fccks- und Wohnungswesen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18114\">12.899<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">5,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4167\">12.517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">5,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Baugewerbe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">8.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4142\">7.183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">3,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Energieversorgung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">7.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">2,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26277\">6.827<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20246\"></span><span class=\"ps20246\">2,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Einzelhandel und Reparatur von Gebrauchsg\u00fctern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9393\">5.393<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19192\">5.220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20356\"></span><span class=\"ps20356\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Landverkehr, Transport in Rohrfernleitungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20175\">3.380<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19952\"></span><span class=\"ps19952\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23915\">2.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Erbringung von Dienstleistungen f\u00fcr Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4136\">3.321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19952\"></span><span class=\"ps19952\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17444\">3.235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19952\"></span><span class=\"ps19952\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ern\u00e4hrungsgewerbe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18517\">3.114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26277\">2.798<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Maschinenbau<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26603 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18403\">2.204<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9390\">2.038<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstiges Transportgewerbe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26604 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18383\">1.870<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17516\">1.926<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Metallerzeugung und -bearbeitung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26606 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18421\">1.591<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19236\">1.796<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kraftfahrzeughandel, Tankstellen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26607 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">1.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26608 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17393\">1.464<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Gewinnung von Erd\u00f6l und Erdgas<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26609 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24147\">655<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26610 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18686\">645<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Branchen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26611 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25883\">15.940<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11156 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">6,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18402 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15110\">14.570<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">6,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps251 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26612 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17131\">255.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26613 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18406 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17279\">240.914<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18407 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Strukturiertes Kreditportfolio<span id=\"if73f53f7476246f8b78ba82d5c1faa60\"></span></span></div><div class=\"ps26684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern ist als Investor in strukturierten Produkten t\u00e4tig. Das Gesamtexposure an strukturierten Produkten verf\u00fcgt \u00fcber ein <span class=\"f ps24\"> </span></span></div><div class=\"ps26685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nominale in H\u00f6he von \u20ac 1.086 Millionen (Vorjahr: \u20ac 588 Millionen) und einen Buchwert in H\u00f6he von \u20ac 1.064 Millionen (Vorjahr: \u20ac 581 <span class=\"f ps24\"> </span></span></div><div class=\"ps26686 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen). Im Wesentlichen handelt es sich dabei um Asset-Backed-Securities (ABS) gegen\u00fcber europ\u00e4ischen Kunden. Die </span></div><div class=\"ps26687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steigerung bei den Nominalen zum Vorjahr ist auf neue Transaktionen zur\u00fcckzuf\u00fchren.</span></div><div class=\"ps26688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kontrahentenausfallrisiko<span id=\"ida6c218d691f4926a13039982637ce7c\"></span></span></div><div class=\"ps26689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Kontrahentenausfall bei Derivat-, Pensions- und Wertpapierleihgesch\u00e4ften kann Verluste durch die Kosten der </span></div><div class=\"ps26690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wiederbeschaffung eines \u00e4quivalenten Kontrakts verursachen. Dieses Risiko wird vom Konzern durch die </span></div><div class=\"ps26691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktbewertungsmethode gemessen, die den gegenw\u00e4rtigen Marktwert und einen vordefinierten Puffer f\u00fcr etwaige </span></div><div class=\"ps26692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderungen des Forderungswerts in der Zukunft ber\u00fccksichtigt. F\u00fcr die interne Steuerung werden die m\u00f6glichen <span class=\"f ps24\"> </span></span></div><div class=\"ps26693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preis\u00e4nderungen, die den fairen Wert dieser Instrumente beeinflussen, je nach Instrumentenkategorie aufgrund der </span></div><div class=\"ps26694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">historischen Marktwertbewegungen ermittelt.</span></div><div class=\"ps2919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Voraussetzung f\u00fcr den Abschluss von Derivaten ist die Einhaltung des Kreditgenehmigungsprozesses, f\u00fcr den dieselben </span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoklassifizierungs-, -limitierungs- und -\u00fcberwachungsverfahren gelten wie f\u00fcr das klassische Kreditgesch\u00e4ft. Derivative </span></div><div class=\"ps2921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Positionen werden dabei in der Einrichtung und \u00dcberwachung von Kreditlimits sowie in der Bemessung und Allokation des </span></div><div class=\"ps2922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Kapitals gemeinsam mit den sonstigen Forderungen eines Kunden als gewichtete Anrechnungsbetr\u00e4ge ber\u00fccksichtigt.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine wesentliche Strategie zur Reduktion dieses Risikos stellen Kreditrisikominderungsinstrumente, z. B. Netting und die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterlegung mit Sicherheiten, dar. Grunds\u00e4tzlich strebt der Konzern f\u00fcr alle wesentlichen Derivatgesch\u00e4fte den Abschluss eines </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">standardisierten ISDA-Rahmenvertrags f\u00fcr das bilaterale Netting und eines entsprechenden Credit Support Annex (CSA) zur </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung der jeweils aktuellen Marktwerte auf t\u00e4glicher Basis an.</span></div><div class=\"ps26695 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Notleidendes Exposure (NPE)<span id=\"i5ce30fa6f5d84cfdb8c59b61aee04262\"></span></span></div><div class=\"ps19095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI wendet die Ausfalldefinition der CRR sowie die dazugeh\u00f6rigen Anforderungen der EBA (EBA/GL/2016/07) an.</span></div><div class=\"ps13919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Notleidendes Obligo nach der g\u00fcltigen CRR Definition des EBA-Dokuments Implementing Technical Standard (ITS) on </span></div><div class=\"ps13920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Supervisory Reporting (Forbearance and Non-performing exposures):</span></div><div class=\"ps26750 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:167.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps18534 ss1464\"><div><div class=\"ps264 ss1463\"><span class=\"f charStyle-1dbd4d87 ps17498\">NPE<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1464\"><div><div class=\"ps31 ss1463\"><span class=\"f charStyle-1dbd4d87 ps6749\">NPE Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps26697 ss1464\"><div><div class=\"ps31 ss1463\"><span class=\"f charStyle-1dbd4d87 ps26696\">NPE Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25205 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26698 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24866 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5665 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26699 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26700 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26701 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps100\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26702 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps369\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26703 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10509\"></span><span class=\"ps10509\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5672 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10496\"></span><span class=\"ps10496\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26704 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1691\"></span><span class=\"ps1691\">4,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26705 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps485\"></span><span class=\"ps485\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26706 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17200\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26707 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17200\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26708 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1577\"></span><span class=\"ps1577\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5681 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1577\"></span><span class=\"ps1577\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26709 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16866\"></span><span class=\"ps16866\">99,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26710 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10571\"></span><span class=\"ps10571\">97,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26711 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7127\">129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26713 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26712\">333<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26714 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6724\"></span><span class=\"ps6724\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26715 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22921\"></span><span class=\"ps22921\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26716 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10522\"></span><span class=\"ps10522\">28,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26717 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13574\"></span><span class=\"ps13574\">41,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26718 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps8649\">1.958<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26719 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1526\">2.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26720 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1691\"></span><span class=\"ps1691\">4,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26721 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1714\"></span><span class=\"ps1714\">4,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26723 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26722\"></span><span class=\"ps26722\">42,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26724 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10709\"></span><span class=\"ps10709\">51,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26725 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7134\">1.056<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26726 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10955\">1.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26727 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22921\"></span><span class=\"ps22921\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26728 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7128\"></span><span class=\"ps7128\">2,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26729 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8644\"></span><span class=\"ps8644\">61,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26730 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20487\"></span><span class=\"ps20487\">62,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1393\"><div><div class=\"ps264 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26732 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps26731\">3.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26733 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps20983\">3.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26734 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10658\"></span><span class=\"ps10658\">2,2 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26735 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps357\"></span><span class=\"ps357\">2,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26736 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13029\"></span><span class=\"ps13029\">46,5 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26737 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps22749\"></span><span class=\"ps22749\">51,6 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26739 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps26738\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26740 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps19532\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26741 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10657\"></span><span class=\"ps10657\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26742 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps10657\"></span><span class=\"ps10657\">0,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26743 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps11942\"></span><span class=\"ps11942\">58,3 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26744 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps12766\"></span><span class=\"ps12766\">54,3 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps25227 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps13105\">3.297<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26745 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps204\">3.845<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26746 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps8547\"></span><span class=\"ps8547\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26747 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps84\"></span><span class=\"ps84\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26748 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13029\"></span><span class=\"ps13029\">46,5 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26749 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps22749\"></span><span class=\"ps22749\">51,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Volumen des notleidenden Obligos reduzierte sich gegen\u00fcber dem Jahresende um \u20ac\u00a0548 Millionen auf \u20ac\u00a03.297 Millionen. </span></div><div class=\"ps26752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Organisch ergab sich ein R\u00fcckgang um \u20ac 550 Millionen, vor allem bedingt durch das Segment Group Corporates &amp; Markets in </span></div><div class=\"ps26753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der H\u00f6he von \u20ac\u00a0362 Millionen. Aus Ausbuchungen und Verk\u00e4ufen ergab sich ein R\u00fcckgang von \u20ac 1.044 Millionen, R\u00fcckzahlungen </span></div><div class=\"ps26754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Non Retail Kunden trugen \u20ac\u00a0395 Millionen bei. Dem gegen\u00fcber standen neue Ausf\u00e4lle bei Krediten an Nicht-<span class=\"f ps24\"> </span></span></div><div class=\"ps17622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzunternehmen haupts\u00e4chlich in Deutschland und \u00d6sterreich. Die NPE Ratio verringerte sich gegen\u00fcber dem Jahresende </span></div><div class=\"ps17625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 um 0,4 Prozentpunkte auf 1,7 Prozent vor allem aufgrund des gesunkenen notleidenden Obligos, die Coverage Ratio </span></div><div class=\"ps17626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verringerte sich um 5,1 Prozentpunkte auf 46,5 Prozent.</span></div><div class=\"ps26755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung des notleidenden Obligos nach Asset-Klassen (ohne au\u00dferbilanzielle Gesch\u00e4fte):</span></div><div class=\"ps26785 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:72pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1465\"><div><div class=\"ps516 ss1189\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26756 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-1dbd4d87 ps7113\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1815 ss257\"><div><div class=\"ps264 ss256\"><span class=\"f charStyle-1dbd4d87 ps20238\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss256\"><span class=\"f charStyle-1dbd4d87 ps21096\">Konsolidierungskreis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26758 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-1dbd4d87 ps26757\">W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9344 ss160\"><div><div class=\"ps516 ss47\"><span class=\"f charStyle-1dbd4d87 ps11282\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10336 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps1237\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11086 ss797\"><div><div class=\"ps516 ss359\"><span class=\"f charStyle-1dbd4d87 ps13421\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26759 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24074\">163<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26297 ss271\"><div><div class=\"ps31 ss256\"><span class=\"f charStyle-375ad3a6 ps26760\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26761 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12713 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1623\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24356 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps375\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26762 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps25277\">144<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26763 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24149\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21447 ss271\"><div><div class=\"ps31 ss256\"><span class=\"f charStyle-375ad3a6 ps26760\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20967 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12720 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1623\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24362 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps22605\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11099 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps26764\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26765 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps20151\">333<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21454 ss271\"><div><div class=\"ps31 ss256\"><span class=\"f charStyle-375ad3a6 ps26760\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20973 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12729 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps13003\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24366 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10573\">-287<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26767 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps26766\">129<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26769 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps26768\">2.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21462 ss271\"><div><div class=\"ps31 ss256\"><span class=\"f charStyle-375ad3a6 ps26760\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20980 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps427\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12740 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps13489\">914<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24369 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10158\">-1.233<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26770 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps22147\">1.958<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26771 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps23726\">1.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21470 ss271\"><div><div class=\"ps31 ss256\"><span class=\"f charStyle-375ad3a6 ps26760\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20987 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps8049\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12748 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps13116\">447<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24374 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10417\">-456<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26772 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-375ad3a6 ps20872\">1.056<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1497 ss1190\"><div><div class=\"ps264 ss1189\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen (NPL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26773 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps26108\">3.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21478 ss271\"><div><div class=\"ps31 ss256\"><span class=\"f charStyle-1dbd4d87 ps26774\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20993 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps18584\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12760 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps26775\">1.444<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24380 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-1dbd4d87 ps9119\">-1.994<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26777 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps26776\">3.288<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps30\">Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26779 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps26778\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21485 ss271\"><div><div class=\"ps31 ss256\"><span class=\"f charStyle-1dbd4d87 ps26774\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21000 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps18584\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12770 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps17292\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24388 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-1dbd4d87 ps19768\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26781 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps26780\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1190\"><div><div class=\"ps31 ss1189\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt (NPE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26782 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps20024\">3.845<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps21492 ss271\"><div><div class=\"ps31 ss256\"><span class=\"f charStyle-1dbd4d87 ps26774\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps21006 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps15648\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps12780 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps1081\">1.445<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps24396 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-1dbd4d87 ps10101\">-1.995<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26784 ss1068\"><div><div class=\"ps31 ss359\"><span class=\"f charStyle-1dbd4d87 ps26783\">3.297<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26840 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:100.5pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:74.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss807\"><div><div class=\"ps516 ss806\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26786 ss1350\"><div><div class=\"ps516 ss1349\"><span class=\"f charStyle-1dbd4d87 ps5951\">Stand 1.1.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26787 ss796\"><div><div class=\"ps1485 ss795\"><span class=\"f charStyle-1dbd4d87 ps18513\">\u00c4nderung <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss795\"><span class=\"f charStyle-1dbd4d87 ps24352\">Konsolidierungskreis</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26788 ss904\"><div><div class=\"ps516 ss137\"><span class=\"f charStyle-1dbd4d87 ps26757\">W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2977 ss160\"><div><div class=\"ps516 ss47\"><span class=\"f charStyle-1dbd4d87 ps11282\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1989 ss607\"><div><div class=\"ps516 ss606\"><span class=\"f charStyle-1dbd4d87 ps1237\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12252 ss261\"><div><div class=\"ps516 ss196\"><span class=\"f charStyle-1dbd4d87 ps11973\">Stand 31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26789 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps20120\">178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26790 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26791 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26792 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1623\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2004 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps6383\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26794 ss274\"><div><div class=\"ps31 ss196\"><span class=\"f charStyle-375ad3a6 ps26793\">163<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26795 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps24151\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26796 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26797 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2982 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1623\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2022 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps97\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26799 ss274\"><div><div class=\"ps31 ss196\"><span class=\"f charStyle-375ad3a6 ps26798\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26800 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps26453\">392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26801 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps22401\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26802 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26803 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps314\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2041 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps1524\">-134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26805 ss274\"><div><div class=\"ps31 ss196\"><span class=\"f charStyle-375ad3a6 ps26804\">333<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26807 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps26806\">1.843<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26809 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps26808\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26810 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps23814\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26811 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps1642\">902<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2060 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps21855\">-434<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26813 ss274\"><div><div class=\"ps31 ss196\"><span class=\"f charStyle-375ad3a6 ps26812\">2.293<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26814 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-375ad3a6 ps19249\">1.075<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26816 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-375ad3a6 ps26815\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26818 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps26817\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26819 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-375ad3a6 ps12771\">448<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2074 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-375ad3a6 ps10417\">-456<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26821 ss274\"><div><div class=\"ps31 ss196\"><span class=\"f charStyle-375ad3a6 ps26820\">1.048<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1497 ss1291\"><div><div class=\"ps264 ss806\"><span class=\"f charStyle-1dbd4d87 ps30\">Kredite und Forderungen (NPL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26822 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps26165\">3.491<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26823 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps21889\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26824 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps13229\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26825 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps21266\">1.425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2091 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-1dbd4d87 ps24192\">-1.041<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26826 ss274\"><div><div class=\"ps31 ss196\"><span class=\"f charStyle-1dbd4d87 ps13388\">3.837<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps30\">Anleihen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26828 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps26827\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26829 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps22406\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26830 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps503\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26831 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps12572\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2108 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-1dbd4d87 ps379\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26833 ss274\"><div><div class=\"ps31 ss196\"><span class=\"f charStyle-1dbd4d87 ps26832\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps1521 ss1291\"><div><div class=\"ps31 ss806\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt (NPE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26834 ss1351\"><div><div class=\"ps31 ss1349\"><span class=\"f charStyle-1dbd4d87 ps3128\">3.498<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26835 ss929\"><div><div class=\"ps31 ss795\"><span class=\"f charStyle-1dbd4d87 ps21889\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26836 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps13229\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26837 ss52\"><div><div class=\"ps31 ss47\"><span class=\"f charStyle-1dbd4d87 ps3071\">1.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps12781 ss612\"><div><div class=\"ps31 ss606\"><span class=\"f charStyle-1dbd4d87 ps9275\">-1.045<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps26839 ss274\"><div><div class=\"ps31 ss196\"><span class=\"f charStyle-1dbd4d87 ps26838\">3.845<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Anteil des notleidenden Obligos (NPE) nach Segmenten (ohne au\u00dferbilanzielle Gesch\u00e4fte):</span></span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:167.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps18534 ss1464\"><div><div class=\"ps31 ss1463\"><span class=\"f charStyle-1dbd4d87 ps17498\">NPE<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1464\"><div><div class=\"ps31 ss1463\"><span class=\"f charStyle-1dbd4d87 ps6749\">NPE Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps26697 ss1464\"><div><div class=\"ps31 ss1463\"><span class=\"f charStyle-1dbd4d87 ps26696\">NPE Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25205 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26698 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps24866 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5665 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26699 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26700 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26701 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps366\">736<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26702 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1669\">805<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26703 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps449\"></span><span class=\"ps449\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5672 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6724\"></span><span class=\"ps6724\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26704 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11238\"></span><span class=\"ps11238\">58,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26705 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21859\"></span><span class=\"ps21859\">56,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26706 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps369\">613<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26707 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps307\">620<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26708 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12496\"></span><span class=\"ps12496\">1,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5681 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13003\"></span><span class=\"ps13003\">1,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26709 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16642\"></span><span class=\"ps16642\">65,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26710 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26841\"></span><span class=\"ps26841\">66,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26711 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7127\">219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26713 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26842\">257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26714 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6246\"></span><span class=\"ps6246\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26715 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12496\"></span><span class=\"ps12496\">1,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26716 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10417\"></span><span class=\"ps10417\">78,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26717 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9586\"></span><span class=\"ps9586\">69,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26718 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps100\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26719 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps14905\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26720 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6724\"></span><span class=\"ps6724\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26721 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10376\"></span><span class=\"ps10376\">4,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26723 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12183\"></span><span class=\"ps12183\">82,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26724 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10417\"></span><span class=\"ps10417\">82,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Group Corporates &amp; Markets<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26725 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6981\">1.584<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26726 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10370\">1.957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26727 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps7128\"></span><span class=\"ps7128\">2,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26728 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps485\"></span><span class=\"ps485\">3,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26729 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13099\"></span><span class=\"ps13099\">25,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26730 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9588\"></span><span class=\"ps9588\">39,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Corporate Center<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26732 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26733 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26734 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1577\"></span><span class=\"ps1577\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26735 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1577\"></span><span class=\"ps1577\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26736 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21055\"></span><span class=\"ps21055\">100,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26737 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16866\"></span><span class=\"ps16866\">99,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26739 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps13105\">3.297<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26740 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps204\">3.845<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26741 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps8547\"></span><span class=\"ps8547\">1,7 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26742 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps84\"></span><span class=\"ps84\">2,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26743 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13029\"></span><span class=\"ps13029\">46,5 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26744 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps22749\"></span><span class=\"ps22749\">51,6 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Reduktion des notleidenden Obligos trug haupts\u00e4chlich das Segment Group Corporates &amp; Markets mit \u20ac\u00a0372 Millionen auf </span></div><div class=\"ps26844 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a01.584\u00a0Millionen bei, daf\u00fcr hauptverantwortlich waren Ausbuchungen und Verk\u00e4ufe von notleidenden Kreditforderungen in </span></div><div class=\"ps26845 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von \u20ac 599 Millionen und R\u00fcckzahlungen in der H\u00f6he von \u20ac 195 Millionen von Non Retail Kunden. Dem gegen\u00fcber standen </span></div><div class=\"ps26846 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">neue Ausf\u00e4lle bei Krediten an Nicht-Finanzunternehmen, die NPE Ratio verringerte sich um 0,6 Prozentpunkte auf 2,9 Prozent.</span></div><div class=\"ps26847 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die notleidenden Obligos im Segment Zentraleuropa verringerten sich um \u20ac 70 Millionen, bedingt durch R\u00fcckg\u00e4nge in Ungarn </span></div><div class=\"ps26848 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Polen. In der Ukraine kam es zu einer Reduktion um \u20ac 61 Millionen, verst\u00e4rkt durch die Abwertung der ukrainischen Hrywnja, </span></div><div class=\"ps26849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Segment Osteuropa ebenso zu einem R\u00fcckgang um \u20ac 38 Millionen in Russland, verringert durch die Aufwertung des </span></div><div class=\"ps26850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">russischen Rubels. Das Segment S\u00fcdosteuropa verringerte sich leicht um \u20ac\u00a07 Millionen.<span class=\"f ps24\"> </span></span></div><div class=\"ps26851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Notleidendes Obligo mit Restrukturierungsma\u00dfnahmen:</span></div><div class=\"ps26878 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:167.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps18534 ss1466\"><div><div class=\"ps516 ss1463\"><span class=\"f charStyle-1dbd4d87 ps10875\">Refinanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24817 ss1466\"><div><div class=\"ps1485 ss1463\"><span class=\"f charStyle-1dbd4d87 ps9365\">Instrumente mit ge\u00e4nderten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1463\"><span class=\"f charStyle-1dbd4d87 ps3151\">Laufzeiten und Konditionen</span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps26697 ss1466\"><div><div class=\"ps516 ss1463\"><span class=\"f charStyle-1dbd4d87 ps130\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26852 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13412 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26853 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26405 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26854 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5082\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26855 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps7194\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26856 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13422 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24869 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26408 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26857 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26858 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26859 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26860 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24872 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26412 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26861 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26862 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26863 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1501\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26864 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps510\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24877 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23001\">102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26416 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17708\">78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26865 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps15014\">106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26866 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1488\">95<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26867 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps75\">187<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26868 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps19735\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24882 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7173\">710<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26419 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps246\">968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26869 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps240\">897<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26870 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1534\">1.166<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-375ad3a6 ps30\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26871 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1458\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26872 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1458\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24889 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps22816\">214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26423 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7127\">216<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26873 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps379\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26874 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps118\">224<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1393\"><div><div class=\"ps31 ss1392\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26875 ss41\"><div><div class=\"ps3137 ss40\"><span class=\"f charStyle-1dbd4d87 ps1667\">199<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26876 ss41\"><div><div class=\"ps3137 ss40\"><span class=\"f charStyle-1dbd4d87 ps1647\">223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24894 ss41\"><div><div class=\"ps3137 ss40\"><span class=\"f charStyle-1dbd4d87 ps6993\">1.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26426 ss41\"><div><div class=\"ps3137 ss40\"><span class=\"f charStyle-1dbd4d87 ps22801\">1.262<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26877 ss41\"><div><div class=\"ps3137 ss40\"><span class=\"f charStyle-1dbd4d87 ps24401\">1.225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15965 ss41\"><div><div class=\"ps3137 ss40\"><span class=\"f charStyle-1dbd4d87 ps10111\">1.485<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Notleidendes Obligo mit Restrukturierungsma\u00dfnahmen nach Segmenten: </span></div><div class=\"ps26882 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23106\">195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26450\"></span><span class=\"ps26450\">15,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20227\">237<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17445\"></span><span class=\"ps17445\">16,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20027\">146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26560\"></span><span class=\"ps26560\">11,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22183\">145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21319\"></span><span class=\"ps21319\">9,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Osteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19932\">66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">5,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">6,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18520\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8920\"></span><span class=\"ps8920\">10,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25827\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26880\"></span><span class=\"ps26880\">12,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Group Corporates &amp; Markets<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">691<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9581\"></span><span class=\"ps9581\">56,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20321\">827<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9399\"></span><span class=\"ps9399\">55,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps26881\">1.225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps20174\">1.485<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(42) Marktrisiko<span id=\"idc1c5713200c4b3eaf2d79be4d53c010\"></span></span></div><div class=\"ps26885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern definiert Marktrisiko als die potenziell m\u00f6gliche negative Ver\u00e4nderung der Marktpreise von Handels- und </span></div><div class=\"ps26886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investmentpositionen. Es wird durch Schwankungen der Wechselkurse, Zinss\u00e4tze, Credit Spreads, Aktienpreise und Warenpreise </span></div><div class=\"ps26887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie anderer relevanter Marktparameter, wie z. B. impliziter Volatilit\u00e4ten, bestimmt.<span class=\"f ps24\"> </span></span></div><div class=\"ps26888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Marktrisiko der Kundenbereiche wird mittels Transferpreismethode in das Treasury transferiert. Der Bereich Treasury ist f\u00fcr </span></div><div class=\"ps26889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Management dieser strukturellen Risiken sowie f\u00fcr die Einhaltung der Gesamtkonzernlimits verantwortlich. Der Bereich </span></div><div class=\"ps26890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Capital Markets ist f\u00fcr den Eigenhandel, das Market Making und das Kundengesch\u00e4ft mit Geld- und Kapitalmarktprodukten </span></div><div class=\"ps26891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zust\u00e4ndig.</span></div><div class=\"ps26892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den letzten Jahren war eine verst\u00e4rkte \u00dcberwachung von Marktbewegungen und Positions\u00e4nderungen innerhalb der RBI </span></div><div class=\"ps26893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">notwendig, insbesondere seit dem Ausbruch des Kriegs in der Ukraine. Die anhaltenden Herausforderungen erforderten aktives </span></div><div class=\"ps26894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement und t\u00e4gliche \u00dcberwachung mit Fokus auf die russischen und ukrainischen M\u00e4rkte und Portfolios, den seit </span></div><div class=\"ps26895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2023 geltenden dualen Steuerungsansatz (RBI ohne russische Gesch\u00e4ftst\u00e4tigkeiten) sowie die Reduktion der internen Gesch\u00e4fte </span></div><div class=\"ps26896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen der Konzernzentrale und der russischen Tochtergesellschaft zur Anpassung an das ver\u00e4nderte Umfeld.</span></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Organisation des Marktrisikomanagements<span id=\"ic893fb1f18f242308915f2d49f968e18\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Marktrisiken werden auf Konzernebene gemessen, \u00fcberwacht und gesteuert. Die Aufgabe des strategischen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisikomanagements wird durch das Market Risk Committee wahrgenommen, welches f\u00fcr das Management und die </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung aller Marktrisiken im Konzern verantwortlich ist. Das Konzerngesamtlimit wird unter Ber\u00fccksichtigung der </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikotragf\u00e4higkeit und des Ertragsbudgets vom Gesamtvorstand festgelegt. Die Aufteilung dieses Limits auf Sublimits erfolgt </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgestimmt mit den jeweiligen Unternehmensbereichen je nach Strategie, Gesch\u00e4ftsmodell und Risikoappetit.</span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Abteilung Market Risk Management stellt sicher, dass der Gesch\u00e4fts- und der Produktumfang im Rahmen der definierten </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und beschlossenen Strategie des Konzerns liegen. Sie ist verantwortlich f\u00fcr die Entwicklung und Weiterentwicklung der </span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Prozesse, -Infrastruktur und -Systeme sowie der Regelwerke und der Messmethoden f\u00fcr alle </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisikokategorien und f\u00fcr marktrisikoinduzierte Kreditrisiken des Derivatgesch\u00e4fts. Weiters f\u00fchrt diese Abteilung die </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">t\u00e4gliche unabh\u00e4ngige Messung und das Reporting aller Marktrisiken durch.</span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Produkte, in denen offene Positionen gehalten werden, sind im Produktkatalog festgelegt. Neue Produkte werden in diese </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liste erst dann aufgenommen, wenn sie den Produkteinf\u00fchrungsprozess erfolgreich durchlaufen haben. Produktantr\u00e4ge </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden einer gesamthaften Risikoanalyse unterworfen und nur genehmigt, wenn die Abbildbarkeit in den Front- und Back-</span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Office- bzw. Risikomanagement-Systemen der RBI gew\u00e4hrleistet ist.</span></div><div class=\"ps26898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Limitsystem<span id=\"ieb36a6d6689e405989a4967ba1bdc49b\"></span></span></div><div class=\"ps26899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern verfolgt einen umfassenden Risikomanagement-Ansatz f\u00fcr Handels- und Bankb\u00fccher (Total-Return-Ansatz). Die </span></div><div class=\"ps19382 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung der Marktrisiken wird deshalb konsistent auf alle Handels- und Bankb\u00fccher angewendet. Die folgenden Gr\u00f6\u00dfen </span></div><div class=\"ps19385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im Marktrisikomanagement-System auf t\u00e4glicher Basis gemessen und limitiert:</span></div><div class=\"ps26900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Value-at-Risk (VaR) \u2013 Konfidenzintervall 99 Prozent </span></div><div class=\"ps26901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Der VaR ist das Hauptsteuerungsinstrument f\u00fcr Marktrisiken in liquiden M\u00e4rkten und normalen Marktsituationen. Es </span></div><div class=\"ps26902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden zwei unterschiedliche Berechnungsmethoden je nach Steering-Ansatz verwendet. Die Konsistenz zwischen </span></div><div class=\"ps26903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">P&amp;L und Risikoziffern ist parallel zum \u00f6konomischen Umfang der RBI notwendig, um eine umfassende Steuerung zu </span></div><div class=\"ps26904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">gew\u00e4hrleisten. F\u00fcr das Gesamtportfolio inklusive des Bankbuchs wird ein Modell verwendet, welches auf einer </span></div><div class=\"ps26905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">historischen Simulation beruht, und f\u00fcr die l\u00e4ngerfristige Steuerung der Marktrisiken aus den Bankb\u00fcchern geeignet </span></div><div class=\"ps26906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ist (Modell ALL, Konfidenzintervall 99 Prozent, Horizont 20 Tage). Die Berechnung basiert auf \u00fcberlappenden 20-</span></div><div class=\"ps26907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Tages-Returns der letzten sieben Jahre und wird auch f\u00fcr die Allokation des \u00f6konomischen Kapitals verwendet. F\u00fcr </span></div><div class=\"ps26908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">alle Markrisiken mit unmittelbarer Auswirkung auf die Erfolgsrechnung wird ein Modell angewendet, welches die <span class=\"f ps24\"> </span></span></div><div class=\"ps26909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">kurzfristige Volatilit\u00e4t gut prognostiziert (Modell IFRS-P&amp;L, Konfidenzintervall 99 Prozent, Horizont 1 Tag). Dieser </span></div><div class=\"ps26910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellansatz ist von der \u00f6sterreichischen Finanzmarktaufsicht als internes Modell f\u00fcr die Messung des </span></div><div class=\"ps26911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Eigenmittelerfordernisses f\u00fcr Marktrisiken f\u00fcr das Handelsbuch der RBI AG zugelassen. Beide Modelle berechnen </span></div><div class=\"ps26912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Value-At-Risk-Kennzahlen f\u00fcr die Ver\u00e4nderungen der Risikofaktoren Fremdw\u00e4hrungen, Zinsentwicklung, Credit </span></div><div class=\"ps26913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Spreads, implizite Volatilit\u00e4t, Aktienindizes und Basis- Spreads.</span></div><div class=\"ps26914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sensitivit\u00e4ten (gegen\u00fcber \u00c4nderungen in W\u00e4hrungskursen und Zinss\u00e4tzen, Gamma, Vega, Aktien- und Warenpreisen) </span></div><div class=\"ps26915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Sensitivit\u00e4tslimits sollen Konzentrationen in normalen Marktsituationen vermeiden und sind das </span></div><div class=\"ps26916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Hauptsteuerungsinstrument in Stress-Situationen und in illiquiden oder strukturell schwer zu messenden M\u00e4rkten.</span></div><div class=\"ps26917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Stop Loss </span></div><div class=\"ps26918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Dieses Limit unterst\u00fctzt die Disziplin der H\u00e4ndler im Management von Eigenpositionen, m\u00f6gliche Verluste nicht zu </span></div><div class=\"ps26919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">akkumulieren, sondern eng zu begrenzen.</span></div><div class=\"ps26920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses mehrstufige Limitsystem wird durch ein umfangreiches Stresstesting-Konzept erg\u00e4nzt, in dem die potenziellen </span></div><div class=\"ps26921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertver\u00e4nderungen des Gesamtportfolios bei Anwendung verschiedener Szenarien ermittelt werden. Risikokonzentrationen, </span></div><div class=\"ps26922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die durch diese Stresstests offenbar werden, werden im Marktrisikokomitee berichtet und in der Limitvergabe ber\u00fccksichtigt. </span></div><div class=\"ps26923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stresstest-Berichte je Portfolio sind Teil des t\u00e4glichen Marktrisiko-Reporting. </span></div><div class=\"ps26924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Value-at-Risk (VaR)<span id=\"i5b2993dee69f41e2848611fc6e9f3317\"></span></span></div><div class=\"ps26925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachstehende Tabellen stellen die Risikokennzahlen (VaR ALL 99 Prozent, 20 Tage sowie VaR IFRS-P&amp;L 99 Prozent, 1 Tag) f\u00fcr das </span></div><div class=\"ps26926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko der Handelsb\u00fccher je Risikoart dar, w\u00e4hrend f\u00fcr das Bankbuch das Gesamtrisiko dargestellt wird. Die strukturellen </span></div><div class=\"ps26927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalpositionen, die strukturellen Zinsrisiken sowie Spread-Risiken aus Anleiheb\u00fcchern, die als Liquidit\u00e4tspuffer gehalten </span></div><div class=\"ps26928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, dominieren den VaR des Konzerns. Das IFRS-P&amp;L-Modell zielt auf die Messung kurzfristiger Marktschwankungen ab, </span></div><div class=\"ps26929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00e4hrend das Modell ALL die Messung der strukturellen Zinsrisiken im Fokus hat. </span></div><div class=\"ps26930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die geopolitischen und wirtschaftlichen Ereignisse im Jahr 2025 beeinflussten die M\u00e4rkte und f\u00fchrten im Jahresverlauf zu </span></div><div class=\"ps26931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erh\u00f6hter Volatilit\u00e4t. Im Vergleich zum Jahresende 2024 erh\u00f6hte sich der Handelsbuch P&amp;L VaR (Modell IFRS-P&amp;L) haupts\u00e4chlich </span></div><div class=\"ps26932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Credit-Spread Risiko, gefolgt von geringeren Anstiegen im W\u00e4hrungs- und Aktienpreisrisiko. Der Gesamt-VaR (Modell IFRS-</span></div><div class=\"ps26933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">P&amp;L) sank im W\u00e4hrungsrisiko, wobei die Haupttreiber der russische Rubel und der US-Dollar waren, gleichzeitig stieg der Credit-</span></div><div class=\"ps26934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Spread VaR. Der Gesamt VaR (Modell ALL) blieb stabil, da die Sensitivit\u00e4tsrisiken im Jahresvergleich um weniger als 5 Prozent </span></div><div class=\"ps26935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schwankten. </span></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Modell IFRS-P&amp;L Handelsbuch VaR (99%, 1d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps26937 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26938\">Durchschnitts-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7756 ss1469\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-1dbd4d87 ps24187\">Minimum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps12856\">Maximum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26939 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16744\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16750 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16746\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26940 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26941 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26943 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26945 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26946 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26948 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26947\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26949\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Credit-Spread-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26950 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26951 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26952 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19181\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Aktienpreisrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26953 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26954 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26955 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19181\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26956 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps20350\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26957 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps20350\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26958 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-1dbd4d87 ps812\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26375 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps19285\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26376 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps20350\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26961 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Modell IFRS-P&amp;L Gesamt VaR (99%, 1d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps26937 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26938\">Durchschnitts-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7756 ss1469\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-1dbd4d87 ps24187\">Minimum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps12856\">Maximum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26939 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16744\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16750 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16746\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26940 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26941 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26943 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26947\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16751\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20394\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26945 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26946 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26948 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26947\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Credit-Spread-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26950 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26951 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26952 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26947\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Aktienpreisrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26953 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26954 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26955 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19181\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26956 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps21971\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26957 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps21971\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26958 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-1dbd4d87 ps26959\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26375 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26960\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26376 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps19272\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26994 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:24pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1470\"><div><div class=\"ps20846 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Modell ALL Gesamt VaR (99%, 20d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps26937 ss1471\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss1471\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26938\">Durchschnitts-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7756 ss1472\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-3e64e966 ps24187\">Minimum-VaR</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss1471\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-3e64e966 ps12856\">Maximum-VaR</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1471\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3782 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26962 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16744\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26963 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16746\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18367 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00d6konomisches Kapital ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26965 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26964\">549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26966 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26964\">549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8734 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps20154\">481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26967 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps24051\">598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26968 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps5680\">581<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18369 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-3e64e966 ps30\">Gesamt ALL (Risikokategorien)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18371 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26970 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26969\">538<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26971 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps22146\">543<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26973 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26972\">462<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26974 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26351\">604<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26975 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps24051\">589<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16097 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26976 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26393\">260<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26977 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps1225\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26978 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19994\">256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26980 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26979\">306<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26982 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26981\">230<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6384 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Credit-Spread-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26983 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16489\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26984 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20551\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26986 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26985\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26987 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26153\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26988 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21623\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4592 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch (99%, 20d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;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\"></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\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11822 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiko im Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26989 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20256\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26990 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps5967\">268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26991 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps21625\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26992 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20839\">295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26993 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20842\">249<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die verwendeten Risikomessmethoden werden \u2013 neben qualitativen Analysen der Profitabilit\u00e4t \u2013 laufend durch Backtesting und </span></div><div class=\"ps26996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">statistische Validierungsverfahren \u00fcberwacht und, falls Modellierungsschw\u00e4chen festgestellt werden, adaptiert. </span></div><div class=\"ps26997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Berichtsjahr 2025 gab es eine hypothetische Backtesting-\u00dcberschreitung aufgrund erh\u00f6hter Marktvolatilit\u00e4t und starker </span></div><div class=\"ps26998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsbewegungen. Die folgende Grafik stellt den VaR den hypothetischen Gewinnen und Verlusten auf t\u00e4glicher Basis </span></div><div class=\"ps26999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber. Der VaR stellt den maximalen Verlust dar, der mit einem Konfidenzintervall von 99 Prozent binnen eines Tages nicht </span></div><div class=\"ps27000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberschritten wird. Er wird dem jeweiligen hypothetischen Gewinn oder Verlust gegen\u00fcbergestellt, der am darauffolgenden </span></div><div class=\"ps27001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tag aufgrund der dann tats\u00e4chlich eingetretenen Marktbewegungen eintreten w\u00fcrde.</span></div><div class=\"ps27002 ss0\"><div class=\"ps519\"><div class=\"ps12\"><img alt=\"7587\" id=\"i-24\" 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\" style=\"height:271.55pt;width:439.37pt\"/></div></div></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">W\u00e4hrungsrisiken und Kapital(quoten)-Hedge<span id=\"i6255d63f536c4d8787cc8fad0f843369\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Marktrisiko des Konzerns wird vorrangig vom W\u00e4hrungsrisiko, das aus dem in Fremdw\u00e4hrung gehaltenen Eigenkapital der </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausl\u00e4ndischen Konzerneinheiten resultiert, und den diesbez\u00fcglich vom Group Asset/Liability Committee gesteuerten </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherungsgesch\u00e4ften gepr\u00e4gt. Das W\u00e4hrungsrisiko im engeren Sinn ist als die Gefahr von Verlusten aufgrund offener </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Devisenpositionen definiert. W\u00e4hrungsschwankungen wirken sich dabei aber sowohl auf die laufend erzielten Ertr\u00e4ge als auch </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die anfallenden Kosten aus. Sie beeinflussen weiters das Eigenmittelerfordernis von Aktivpositionen in Fremdw\u00e4hrungen, </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst wenn diese in derselben W\u00e4hrung refinanziert wurden und somit keine offene Devisenposition besteht.</span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern h\u00e4lt materielle Beteiligungen an Gesellschaften au\u00dferhalb des Euroraums, die ihr Eigenkapital in der jeweiligen </span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Lokalw\u00e4hrung halten. Ebenso ist ein wesentlicher Teil der Risikoaktiva des Konzerns nicht in Euro denominiert. </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wechselkursver\u00e4nderungen f\u00fchren daher sowohl zu Schwankungen des Eigenkapitals des Konzerns als auch zu Ver\u00e4nderungen </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Eigenmittelerfordernisses f\u00fcr das Kreditrisiko.</span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aus regulatorischer Sicht wurde durch die EZB f\u00fcr die Gruppe ein Waiver genehmigt, welcher erlaubt, die mit dem Marktrisiko in </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindung stehenden RWAs zu reduzieren. Voraussetzung daf\u00fcr ist, dass die Gruppe einer spezifischen Hedging-Strategie </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgt, die es erlaubt, die W\u00e4hrungsrisiken gegen potenzielle Schocks abzusichern.</span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um das W\u00e4hrungsrisiko abzusichern, wird in der RBI aktuell der Ansatz der konstanten Kapitalquote verfolgt. Ziel dieser </span></div><div class=\"ps26121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedging-Strategie ist es, Kernkapital und risikogewichtete Aktiva f\u00fcr jede W\u00e4hrung mit der gew\u00fcnschten Kernkapitalquote in </span></div><div class=\"ps16736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einklang zu bringen (d. h. Kapital\u00fcber- oder -unterdeckungen in jeder W\u00e4hrung im Verh\u00e4ltnis zu den risikogewichteten Aktiva zu </span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schlie\u00dfen), sodass die Kernkapitalquote bei W\u00e4hrungsschwankungen konstant bleibt. Der Konzern arbeitet im </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungsrisikomanagement mit dem Ansatz der konstanten Kapitalquote. Bei Ver\u00e4nderungen der Wechselkurse kommt es </span></div><div class=\"ps16739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">daher zu absoluten Ver\u00e4nderungen im Eigenkapital, gleichzeitig \u00e4ndert sich aber auch das Kapitalerfordernis f\u00fcr Kreditrisiken </span></div><div class=\"ps26122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Aktiva in Fremdw\u00e4hrungen entsprechend. Das Management dieses Risikos erfolgt in den monatlich stattfindenden </span></div><div class=\"ps22508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sitzungen des Group Asset/Liability Committees anhand historischer Kursvolatilit\u00e4ten, Wechselkursprognosen und der </span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernkapitalquotensensitivit\u00e4t einzelner W\u00e4hrungen.</span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Folgenden sind die wesentlichen offenen W\u00e4hrungspositionen per 31. Dezember 2025 und die entsprechenden </span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichswerte des Vorjahres angef\u00fchrt. Die Betr\u00e4ge beinhalten sowohl Handelspositionen als auch die Kapitalpositionen der </span></div><div class=\"ps26123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Fremdw\u00e4hrung bilanzierenden Tochterunternehmen (Short-Positionen werden mit negativem und Long-Positionen mit </span></div><div class=\"ps26124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">positivem Vorzeichen dargestellt). Aufgrund des Verkaufs der belarusisschen Konzerneinheiten wurde die Devisenposition in </span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Belarus-Rubel geschlossen, was zu einer Verringerung der Sensitivit\u00e4t f\u00fchrte. </span></div><div class=\"ps26125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund einer Positions\u00e4nderung zu Absicherungszwecken verzeichnete die Sensitivit\u00e4t in tschechischen Kronen, ungarischen </span></div><div class=\"ps27004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forint und rum\u00e4nischen Leu einen Anstieg. </span></div><div class=\"ps27007 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20424\">99<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps3329\">344<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">BYN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24310\">-392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps27005\">-381<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">493<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19277\">-31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20785\">275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24195\">610<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26371\">333<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22230\">623<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">652<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17356\">2.094<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21601\">2.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps5673\">-106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps27006\">-144<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-492<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zinsrisiken im Handelsbuch<span id=\"i388a78ffc5d64f798315de1575d932c2\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gr\u00f6\u00dften Barwertver\u00e4nderungen des Handelsbuchs des Konzerns bei einer parallelen Zinserh\u00f6hung um 1 Basispunkt in \u20ac </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend. Die gezeigten Sensitivit\u00e4ten des Handelsbuchs werden als Gesamtposition der einzelnen Knoten berechnet, ohne </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der Positionen des Bankbuchs. </span></div><div class=\"ps27133 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss634\"><div><div class=\"ps1485 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1475\"><div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27021 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27022 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27023 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27025 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13416 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27027 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27028 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27029 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24868 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27030 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27031 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27033 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27034 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13424 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27035 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27036 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10364\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27037 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27038 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27040 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27041 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27042 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23846 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27043 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27044 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9379\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27046 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27048 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27049 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8145\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27050 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27051 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11932\">444<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27052 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2014\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27053 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9428\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27056 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8144\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27057 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps22274\">-47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11405\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23854 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27059 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27058\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27060 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5226\">25<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10806\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27061 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27062 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27064 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27065 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23859 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27066 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27067 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">NOK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27068 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27069 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27071 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27072 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27073 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23863 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27074 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24896 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27076 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27077 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27079 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27080 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23868 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27081 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27082 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27083 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27084 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1597\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27085 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27086 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27088 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27089 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23872 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27090 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27091 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27092 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27093 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6299\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27094 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27097 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27098 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23876 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27099 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27100 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27101 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9379\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27103 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27104 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27106 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10491\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27107 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23881 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27109 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27110 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8649\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27113 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27114 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27115 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9428\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27116 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27117 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27118 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27119 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11171\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23885 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27120 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27122 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10654\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27124 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27125 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10523 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5373\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27127 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27128 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27129 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23888 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27130 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27131 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27132 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung der W\u00e4hrungen hat sich im Jahresvergleich abh\u00e4ngig vom Absolutwert der Zinssensitivit\u00e4t ver\u00e4ndert.</span></div><div class=\"ps27141 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss634\"><div><div class=\"ps1485 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1475\"><div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27021 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10430\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27022 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27023 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27025 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27135\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13416 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27027 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27028 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27029 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24868 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18600\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27030 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27031 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27033 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27034 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13424 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27035 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27036 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27037 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27038 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27040 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27041 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27042 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23846 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27043 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27044 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13568\">-129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27046 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27048 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27049 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5285\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27136\">-88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27050 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27137\">-83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27051 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21115\">272<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27052 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27053 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5370\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27056 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27057 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1152\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23854 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5218\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27059 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27138\">138<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5285\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27060 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps20970\">-73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27061 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27062 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27064 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1676\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27065 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23859 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps3298\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27066 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27067 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">NOK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27068 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27069 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27071 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27072 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27073 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23863 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27074 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24896 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10443\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27076 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27077 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27079 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27080 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23868 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27081 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27082 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27083 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27084 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7134\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27085 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27086 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27088 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27139\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27089 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23872 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10460\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27090 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27091 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27092 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27093 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10698\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27094 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27097 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27098 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23876 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27099 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27100 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27101 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps26177\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27103 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27104 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27106 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27107 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23881 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27109 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27110 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6452\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27113 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps18081\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27114 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27115 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27135\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27116 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12853\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27117 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27118 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27119 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23885 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27120 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27122 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6194\">76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27124 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27125 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10523 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27127 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11249\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27128 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5285\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27129 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps18081\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23888 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps24188\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27130 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27131 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27132 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zinsrisiken im Bankbuch<span id=\"i1ce0dacec46c46248815d2be451f096c\"></span></span></div><div class=\"ps27143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedliche Laufzeiten und Zinsanpassungskonditionen der angebotenen Produkte f\u00fchren gemeinsam mit der </span></div><div class=\"ps27144 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Refinanzierung durch Kundeneinlagen sowie \u00fcber die Geld- und Kapitalm\u00e4rkte im Konzern zu Zins\u00e4nderungsrisiken. Diese </span></div><div class=\"ps27145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entstehen vorwiegend durch den nicht vollst\u00e4ndigen Ausgleich der Zinssensitivit\u00e4t von erwarteten Zahlungen, deren </span></div><div class=\"ps27146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsanpassungsrhythmen und anderer optionaler Ausstattungsmerkmale. Zinsrisiken im Bankbuch bestehen dabei in den </span></div><div class=\"ps27147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hauptw\u00e4hrungen Euro und US-Dollar sowie in den lokalen W\u00e4hrungen der Konzerngesellschaften in Zentral- und Osteuropa.</span></div><div class=\"ps27148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses Risiko wird grunds\u00e4tzlich durch eine Kombination von bilanziellen und au\u00dferbilanziellen Gesch\u00e4ften abgesichert, wobei </span></div><div class=\"ps27149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorwiegend Zinsswaps und \u2013 in geringerem Ausma\u00df \u2013 Zinstermingesch\u00e4fte und Zinsoptionen zum Einsatz kommen. Das </span></div><div class=\"ps27150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzstrukturmanagement ist eine Kernaufgabe sowohl des zentralen Bereichs Global Treasury als auch der lokalen Banken, </span></div><div class=\"ps27151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die vom Group Asset/Liability Committee unterst\u00fctzt werden. Sie st\u00fctzen sich dabei auf Szenarien und Analysen zur Simulation </span></div><div class=\"ps27152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Zinsertrags, um eine optimale Positionierung im Einklang mit der Zinsmeinung und im Rahmen des Risikoappetits zu </span></div><div class=\"ps27153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten.</span></div><div class=\"ps27154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Quantifizierung des Zins\u00e4nderungsrisikos im Bankbuch kommen neben der Value-at-Risk-Berechnung auch klassische </span></div><div class=\"ps27155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Methoden der Kapital- und Zinsbindungsanalyse zur Anwendung. F\u00fcr das Zins\u00e4nderungsrisiko im Rahmen der Zinsrisikostatistik </span></div><div class=\"ps27156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besteht ein quartalsweises Berichtswesen an die Aufsichtsbeh\u00f6rde, dass entsprechend den Erfordernissen der CRR-Richtlinien </span></div><div class=\"ps27157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch eine Barwertver\u00e4nderung in Prozent der Eigenmittel beinhaltet. Notwendige Schl\u00fcsselannahmen f\u00fcr Fristigkeiten werden </span></div><div class=\"ps27158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dabei im Einklang mit regulatorischen Vorgaben und aufgrund interner Statistiken und Erfahrungswerte getroffen. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Barwertver\u00e4nderung des Bankbuchs des Konzerns bei einer parallelen Zinserh\u00f6hung um 1 Basispunkt in \u20ac Tausend:</span></div><div class=\"ps7104 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss634\"><div><div class=\"ps1485 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1475\"><div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27021 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27022 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27023 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11077\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27025 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9428\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13416 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27159\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27027 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27028 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27029 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24868 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27030 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27031 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27033 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27034 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13424 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27035 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27036 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27037 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27038 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27040 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27041 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27042 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23846 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27043 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27044 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12491\">-595<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5292\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27046 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps23743\">-46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps550\">-255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27048 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27160\">-126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27049 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27161\">-117<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps6737\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27162\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27050 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2096\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27051 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11418\">-2.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27052 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5218\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27053 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27161\">-117<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7107\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27163\">-224<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27056 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27164\">-190<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27057 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27165\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27166\">-323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23854 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps24353\">-616<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27059 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27167\">-633<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27163\">-253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27060 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1644\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27061 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27062 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27064 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27065 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23859 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27066 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27067 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17801\">-335<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27068 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27069 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11077\">-41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27071 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27072 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27073 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23863 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27168\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27074 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24896 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27076 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27077 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27079 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27080 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23868 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27081 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27082 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27083 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27084 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13224\">-391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27085 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8145\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27086 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11077\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27169\">-111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27088 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27170\">-105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27089 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27160\">-219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7098\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23872 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2038\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27090 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27091 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27092 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27093 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27094 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11491\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27097 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27098 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps18081\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23876 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27099 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27100 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27101 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21191\">-230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27103 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27171\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27104 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2014\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27106 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27172\">-114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27107 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27137\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10460\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21209\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23881 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7097\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27109 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps23743\">-46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27110 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">SGD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27113 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27114 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27115 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27116 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27117 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27118 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27119 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23885 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27120 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27122 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27124 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27125 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10523 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27127 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25828\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27128 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8145\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27129 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23888 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27130 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27131 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27132 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27173 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1447\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27174 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2051\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27175 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27176 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27177 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27178 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27179 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27180 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27181 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27182 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27183 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27184 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27185 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12908\">-77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27186 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27187 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3904 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27189 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9428\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27190 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21209\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27191 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7097\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27192 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2020\">-37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27193 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27171\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27194 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27195 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27196 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung der W\u00e4hrungen hat sich im Jahresvergleich abh\u00e4ngig vom Absolutwert der Zinssensitivit\u00e4t ver\u00e4ndert.</span></div><div class=\"ps27203 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss634\"><div><div class=\"ps1485 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1475\"><div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27021 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27022 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27023 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27025 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27135\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13416 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27027 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27028 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27029 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24868 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8905\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27030 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27031 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27033 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27034 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13424 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27035 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27036 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10364\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27037 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27038 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27040 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27041 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27042 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23846 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27043 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27044 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps26775\">-973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25057\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27046 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27162\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps19298\">-348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27048 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps6360\">-155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27049 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1878\">-209<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5285\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27197\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27050 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11115\">-201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11491\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27051 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21203\">-1636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27052 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27171\">145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27053 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27139\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1152\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps24352\">-174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27056 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27170\">-150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27057 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13073\">-213<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27198\">-415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23854 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27059 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27199\">-530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27200\">-356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27060 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27061 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27062 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27064 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27065 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23859 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27066 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27067 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps26442\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27068 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27069 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27138\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2014\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27071 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7097\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27072 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27073 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27139\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23863 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps534\">-68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27074 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24896 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8719\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27076 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27077 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27079 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27080 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23868 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27081 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27082 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27083 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27084 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13521\">-249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27085 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27086 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8144\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27088 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27139\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27089 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27201\">-178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23872 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10959\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27090 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27091 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27092 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27093 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7194\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27094 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27097 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps6976\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27098 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25057\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23876 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps3132\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27099 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27100 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27101 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13272\">-207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27103 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27162\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27104 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27106 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27202\">-128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27107 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25828\">-71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5373\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23881 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27162\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27109 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11413\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27110 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">SGD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27113 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27114 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27115 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27116 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27117 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27118 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27119 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23885 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27120 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27122 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10430\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27124 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27125 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10523 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27127 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27128 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8144\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27129 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23888 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27130 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27131 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27132 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27173 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10738\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27174 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27159\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27175 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27176 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27177 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27178 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27179 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27180 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11077\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27181 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27182 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27183 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27184 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27185 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">-93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27186 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27187 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3904 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27189 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27190 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27191 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps6739\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27192 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27171\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27193 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27194 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27195 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27204 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Credit-Spread-Risiken<span id=\"ia59f3a89e1d24816af30386dc4f0cc5b\"></span></span></div><div class=\"ps27205 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Marktrisiko-Steuerungssystem ber\u00fccksichtigt zeitabh\u00e4ngige Anleihe- und CDS-Spread-Kurven als Risikofaktoren f\u00fcr die </span></div><div class=\"ps27206 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermittlung von Credit-Spread-Risiken. Umfasst sind alle Kapitalmarktinstrumente des Handels- und des Bankbuchs.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(43) Liquidit\u00e4tsmanagement<span id=\"i24a003520b434a718194c91f3f872fae\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Trotz andauernder geopolitischer Risiken blieb die Liquidit\u00e4tsposition im Gesch\u00e4ftsjahr stabil. </span></div><div class=\"ps27208 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das ILAAP-Rahmenwerk und die Governance erwiesen sich erneut als solide und funktionieren auch in Krisenzeiten. Die t\u00e4gliche </span></div><div class=\"ps2174 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcberwachung der Liquidit\u00e4tsposition mit Hilfe von dynamischen Dashboards zeigte, dass Infrastruktur und \u00dcberwachung </span></div><div class=\"ps2179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">effektiv sind und schnelle Reaktionen in Krisenzeiten unterst\u00fctzen.<span class=\"f ps24\"> </span></span></div><div class=\"ps27209 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Funding-Struktur<span id=\"i65ec2af0637440a8a30239f61dc532b4\"></span></span></div><div class=\"ps27210 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Funding-Struktur des Konzerns basiert auf einer starken Ausrichtung auf das Retail-Gesch\u00e4ft in Zentral- und Osteuropa. </span></div><div class=\"ps27211 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus profitiert der Konzern aufgrund der starken Pr\u00e4senz der \u00f6sterreichischen Raiffeisengruppe im lokalen Markt </span></div><div class=\"ps27212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch vom Funding durch die Raiffeisen Landesbanken. Gem\u00e4\u00df dem Prinzip der Diversifikation werden verschiedene </span></div><div class=\"ps27213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsquellen erschlossen. Diese umfassen die Ausgabe von internationalen Anleihen durch die RBI AG, die Ausgabe von </span></div><div class=\"ps27214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lokalen Anleihen durch die Konzerneinheiten sowie die Nutzung von Finanzierungsdarlehen von Dritten (inklusive <span class=\"f ps24\"> </span></span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">supranationaler Institutionen). Die Konzerneinheiten nutzen auch Kredite mit Drittbanken, teils aufgrund knapper L\u00e4nderlimits </span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und teils aufgrund vorteilhafter Preisgestaltung.</span></div><div class=\"ps27238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Grunds\u00e4tze<span id=\"i8dedb9b0a6464defa26798a5453160c4\"></span></span></div><div class=\"ps27239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das interne Liquidit\u00e4tsmanagement stellt einen wesentlichen Gesch\u00e4ftsprozess innerhalb der allgemeinen Banksteuerung dar, </span></div><div class=\"ps27240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">da es die kontinuierliche Verf\u00fcgbarkeit von Mitteln sicherstellt, die zur Deckung von Forderungen im Tagesgesch\u00e4ft ben\u00f6tigt </span></div><div class=\"ps27241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden.</span></div><div class=\"ps27242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Liquidit\u00e4ts-Ad\u00e4quanz wird sowohl aus \u00f6konomischer als auch aus regulatorischer Sicht gew\u00e4hrleistet. Im Hinblick auf die </span></div><div class=\"ps27243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6konomische Dimension hat der Konzern ein Governance-Rahmenwerk festgelegt, das interne Grenzwerte und </span></div><div class=\"ps27244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerungsma\u00dfnahmen umfasst und den vom Baseler Ausschuss f\u00fcr Bankenaufsicht festgelegten Grunds\u00e4tzen f\u00fcr eine solide </span></div><div class=\"ps27245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung und \u00dcberwachung des Liquidit\u00e4tsrisikos (Principles for Sound Liquidity Risk Management and Supervision) sowie der </span></div><div class=\"ps27246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von der \u00f6sterreichischen Regulierungsbeh\u00f6rde ausgegebenen Kreditinstitute-Risikomanagementverordnung (KI-RMV) folgt.</span></div><div class=\"ps27247 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die regulatorische Komponente wird sowohl durch die Einhaltung der Berichterstattungsanforderungen im Rahmen von Basel III <span class=\"f ps24\"> </span></span></div><div class=\"ps27248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Mindestliquidit\u00e4tsquote bzw. Liquidity Coverage Ratio, strukturelle Liquidit\u00e4tsquote bzw. Net Stable Funding Ratio sowie </span></div><div class=\"ps27249 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Kennzahlen zur Liquidit\u00e4ts\u00fcberwachung bzw. Additional Liquidity Monitoring Metrics) als auch durch die Einhaltung </span></div><div class=\"ps27250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der regulatorischen Grenzwerte abgedeckt. Dar\u00fcber hinaus gelten f\u00fcr einige Einheiten des Konzerns zus\u00e4tzliche, von den </span></div><div class=\"ps27251 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lokalen Aufsichtsbeh\u00f6rden festgelegte Liquidit\u00e4ts- und Berichterstattungsanforderungen.</span></div><div class=\"ps27252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Organisation und Verantwortung<span id=\"i388e1d2151f1463e9a85682bd8bc54b7\"></span></span></div><div class=\"ps27253 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verantwortung zur Gew\u00e4hrleistung einer angemessenen Liquidit\u00e4tsausstattung obliegt dem gesamten Vorstand. In dieser </span></div><div class=\"ps27254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Funktion verantwortlich sind der Chief Financial Officer (Treasury) und der Chief Risk Officer (Risk Controlling). Entsprechend </span></div><div class=\"ps27255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden die Prozesse im Hinblick auf das Liquidit\u00e4tsrisiko im Wesentlichen von zwei Bereichen innerhalb der Bank ausgef\u00fchrt. </span></div><div class=\"ps27256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einerseits steuern Treasury-Einheiten die Liquidit\u00e4tsrisikopositionen innerhalb der von Entscheidungsgremien festgelegten </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strategie, Richtlinie und Parameter, andererseits werden diese von unabh\u00e4ngigen Einheiten des Bereichs Risk Controlling </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberwacht und unterst\u00fctzt. Die Risikoeinheiten messen und modellieren Liquidit\u00e4tsrisikopositionen, legen Limits fest und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kontrollieren deren Einhaltung.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Neben den beschriebenen Linienfunktionen bestehen in allen Konzerneinheiten Aktiv-/Passiv-Managementkomitees (Asset/</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liability Committees, ALCOs). Diese Komitees fungieren als Entscheidungsgremien im Hinblick auf alle Angelegenheiten, die sich </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf das Management der Liquidit\u00e4tsposition und der Bilanzstruktur einer Einheit auswirken, einschlie\u00dflich der Festlegung von </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strategien und Richtlinien zur Behandlung von Liquidit\u00e4tsrisiken. Die ALCOs f\u00e4llen Entscheidungen und berichten den jeweiligen </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorst\u00e4nden zumindest monatlich mittels standardisierter Liquidit\u00e4tsrisikoberichte. Auf Konzernebene \u00fcbernimmt diese </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Funktion das Gruppen-ALCO. Die T\u00e4tigkeiten von Treasury und die entsprechenden ALCO-Entscheidungen gr\u00fcnden sich </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haupts\u00e4chlich auf konzernweite, standardisierte Gruppenvorgaben und ihre lokalen Erg\u00e4nzungen, die regionale Besonderheiten </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigen.</span></div><div class=\"ps24921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4tsstrategie<span id=\"i64c9b6acbe9e429dbeee5987179656c9\"></span></span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Treasury ist zur Einhaltung bestimmter Performance-Kennzahlen und risikobasierter Grunds\u00e4tze verpflichtet. Die aktuellen </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Performance-Kennzahlen umfassen allgemeine Ziele, z. B. f\u00fcr die Rendite auf das risikoadjustierte Kapital (Return on Risk-</span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Adjusted Capital, RORAC) oder Deckungsbeitr\u00e4ge. Dazu kommen spezifische Treasury-Ziele zur Liquidit\u00e4t wie eine </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mindest\u00fcberlebensdauer in definierten Stress-Szenarien oder Mindestliquidit\u00e4tsziele in regulatorischen Kennzahlen. Neben der </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erwirtschaftung eines Strukturbeitrags mittels Fristentransformation, die das von der Bank eingegangene Liquidit\u00e4ts- und </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko widerspiegelt, hat Treasury bei der Bilanzsteuerung eine umsichtige und nachhaltige Risikopolitik zu verfolgen. Zu </span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den strategischen Zielen z\u00e4hlen eine Verringerung des Fundings der Muttergesellschaft an die Konzernt\u00f6chter, eine nachhaltige </span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung der Einlegerbasis und des Kreditwachstums sowie eine durchgehende Einhaltung der regulatorischen Anforderungen </span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und der internen Vorgaben und Limits.</span></div><div class=\"ps27257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidity Risk Framework<span id=\"i18e62f56ba0440939226f6ea9ee19b63\"></span></span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auf Grundlage bestimmter Modellannahmen werden regulatorische und interne Liquidit\u00e4tsberichte und -quoten erstellt und </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt. W\u00e4hrend die regulatorischen Berichte gem\u00e4\u00df den Vorgaben der Beh\u00f6rden erstellt werden, gr\u00fcnden sich die internen </span></div><div class=\"ps27258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichte auf Annahmen anhand empirischer Beobachtungen.</span></div><div class=\"ps26906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern verf\u00fcgt \u00fcber eine solide Datenbasis sowie Expertenwissen zur Vorhersage von Kapitalfl\u00fcssen, die sich aus allen </span></div><div class=\"ps26907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Bilanzposten und au\u00dferbilanziellen Positionen ergeben. Die Modellierung von Liquidit\u00e4tszu- und -abfl\u00fcssen erfolgt </span></div><div class=\"ps26908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in einer angemessen detaillierten Art und Weise, wobei zumindest zwischen Produkten, Kundensegmenten sowie </span></div><div class=\"ps26909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegebenenfalls W\u00e4hrungen unterschieden wird. In die Modellierung der Retail- und Firmenkunden-Einlagen flie\u00dfen Annahmen </span></div><div class=\"ps26910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bez\u00fcglich der Verweildauer der Einlagen nach Laufzeitende ein. Die Modellannahmen sind umsichtig, so dass beispielsweise </span></div><div class=\"ps26911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht von einem Rollover der Einlagen von Finanzinstituten ausgegangen wird und alle Finanzierungskan\u00e4le sowie der </span></div><div class=\"ps26912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tspuffer gleichzeitig gestresst werden.</span></div><div class=\"ps27259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Eckpfeiler des internen Liquidity Risk Frameworks sind das Going-Concern- (GC) und das Time-to-Wall-Szenario (TTW). Der </span></div><div class=\"ps27260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Going-Concern-Bericht weist die strukturelle Liquidit\u00e4tsposition aus und deckt dabei alle wesentlichen Risikotreiber ab, die den </span></div><div class=\"ps27261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern in einem normalen Gesch\u00e4ftsumfeld (Business as Usual) belasten k\u00f6nnten. Die Going-Concern-Modelle sind wichtige </span></div><div class=\"ps27262 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Input-Faktoren f\u00fcr den Kostenbeitrag f\u00fcr den Transfer von Mitteln innerhalb der Bank (Funds Transfer Pricing Model). Der Time-</span></div><div class=\"ps27263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">to-Wall-Bericht wiederum zeigt die \u00dcberlebensdauer unter bestimmten nachteiligen Szenarien und Stressannahmen (Markt-, </span></div><div class=\"ps27264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Namens- und kombinierte Krise) auf und legt die Mindesth\u00f6he des Liquidit\u00e4tspuffers (bzw. der Ausgleichskapazit\u00e4t) des </span></div><div class=\"ps27265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns und seiner einzelnen Einheiten fest. </span></div><div class=\"ps27266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Modellierung der Liquidit\u00e4ts-Szenarien erfolgt mittels einer gruppenweiten Methodik, die lokale Spezifika ber\u00fccksichtigt, </span></div><div class=\"ps27267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sofern diese durch Einflussfaktoren wie das Markt- oder das rechtliche Umfeld oder bestimmte Gesch\u00e4ftsmerkmale </span></div><div class=\"ps27268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gerechtfertigt sind; die Berechnung erfolgt in der RBI AG. Bei der Modellierung von Liquidit\u00e4tszu- und -abfl\u00fcssen wird zumindest </span></div><div class=\"ps27269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen Produkten, Kundensegmenten sowie gegebenenfalls zwischen einzelnen W\u00e4hrungen unterschieden. F\u00fcr Produkte </span></div><div class=\"ps27270 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ohne vertragliche Laufzeit wird die Verteilung der Liquidit\u00e4tszu- und -abfl\u00fcsse unter Verwendung einer geometrischen </span></div><div class=\"ps27271 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Brown'schen Bewegung ermittelt, die statistische Prognosen zu den zuk\u00fcnftigen Tagessalden von der beobachteten und </span></div><div class=\"ps27272 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">exponentiell gewichteten historischen Volatilit\u00e4t der entsprechenden Produkte ableitet. F\u00fcr das Szenario einer Marktkrise ist ein </span></div><div class=\"ps27273 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezielles Modell zur Bewertung des potenziellen Liquidit\u00e4tsabflusses aufgrund von Margin Calls vorhanden. Dieses Modell </span></div><div class=\"ps27274 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basiert auf Value-at-Risk-Berechnungen, um den potenziellen Wertverlust von Derivaten, f\u00fcr welche CSA- oder Variation-</span></div><div class=\"ps27275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Margin-Vereinbarungen vorhanden sind, abzusch\u00e4tzen. Durch die Einbeziehung dieses Abflusses in den </span></div><div class=\"ps27276 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisikostresstest wird ein entsprechender Puffer aufrechterhalten, um potenzielle Margin Calls in extrem ung\u00fcnstigen </span></div><div class=\"ps27277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Situationen zu ber\u00fccksichtigen.</span></div><div class=\"ps23993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Liquidit\u00e4tsrisiko-Rahmenwerk wird sowohl auf Konzernebene als auch auf Ebene der einzelnen Einheiten kontinuierlich </span></div><div class=\"ps27278 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiterentwickelt. In mehreren konzernweiten Projekten werden die technische Infrastruktur weiter ausgebaut und die </span></div><div class=\"ps27279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datenverf\u00fcgbarkeit verbessert, um den steigenden regulatorischen und bankinternen Berichterstattungs- und </span></div><div class=\"ps27280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Managementanforderungen in diesem Risikobereich gerecht zu werden.</span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Risikoappetit und Liquidit\u00e4tslimits<span id=\"i5576bf63a7d643f9925ab02ff51b78ba\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Liquidit\u00e4tsposition wird auf Konzernebene und auf Ebene der einzelnen Einheiten \u00fcberwacht und durch ein umfassendes </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limitsystem eingegrenzt. Die Limits werden sowohl im Hinblick auf ein regul\u00e4res Gesch\u00e4ftsumfeld als auch f\u00fcr Stress-Szenarien </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt. Entsprechend dem definierten Risikoappetit muss jede Konzerneinheit in einem schweren, kombinierten Stress-</span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenario (Namens- und Marktstress) eine \u00dcberlebensdauer von einigen Monaten (TTW) aufweisen. Dies l\u00e4sst sich entweder </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch ein strukturell positives Liquidit\u00e4tsprofil oder einen ausreichend hohen Liquidit\u00e4tspuffer gew\u00e4hrleisten. In einem </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regul\u00e4ren Gesch\u00e4ftsumfeld (GC) muss die Fristentransformation auf mittlere Sicht vollst\u00e4ndig vom verf\u00fcgbaren </span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tspuffer abgedeckt werden. Das hei\u00dft, dass die kumulierte Liquidit\u00e4tsposition \u00fcber einen Zeitraum von bis zu einem </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr positiv sein muss. Auf lange Sicht (ein Jahr und l\u00e4nger) ist die Fristentransformation bis zu einem gewissen Grad gestattet. </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Grenzwerte der internen Modelle werden durch Limits zur Einhaltung regulatorischer Liquidit\u00e4tsquoten, z. B. die </span></div><div class=\"ps27283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsdeckungsquote (Liquidity Coverage Ratio, LCR), erg\u00e4nzt. Alle Grenzwerte m\u00fcssen t\u00e4glich eingehalten werden.</span></div><div class=\"ps27284 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4ts\u00fcberwachung<span id=\"i7615de8db4e149feaea21ed76540455c\"></span></span></div><div class=\"ps26148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bank verwendet eine Reihe ma\u00dfgeschneiderter Messinstrumente und Fr\u00fchwarnindikatoren, die dem Vorstand und der </span></div><div class=\"ps26149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensf\u00fchrung zeitnahe und vorausschauende Informationen zur Verf\u00fcgung stellen. Die Einhaltung des </span></div><div class=\"ps26150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisiko-Rahmenwerks stellt sicher, dass die Bank ihre Gesch\u00e4ftst\u00e4tigkeit auch unter gro\u00dfem Stress fortf\u00fchren kann.</span></div><div class=\"ps19108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die \u00dcberwachung und die Berichterstattung zur Einhaltung der Limits erfolgt regelm\u00e4\u00dfig und effektiv. Jeder Versto\u00df seitens </span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzerneinheiten wird an das Konzern-ALCO berichtet und eskaliert, wo in Absprache mit der betreffenden Einheit </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessene Schritte unternommen oder strittige Angelegenheiten weiter an die verantwortliche h\u00f6here Instanz eskaliert </span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden.</span></div><div class=\"ps27285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4tsstresstest<span id=\"i895e4a6923c148d8a9fdbd59d6e74488\"></span></span></div><div class=\"ps27286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stresstests werden t\u00e4glich f\u00fcr die RBI AG und die Tochterbanken sowie auf Konzernebene durchgef\u00fchrt. Die Tests decken drei </span></div><div class=\"ps27287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien (Markt-, Namens- und kombinierte Krise) ab, ber\u00fccksichtigen die Auswirkungen der Szenarien f\u00fcr einen Zeitraum von </span></div><div class=\"ps27288 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehreren Monaten und verdeutlichen, dass Stressereignisse gleichzeitig zu zeitkritischem Liquidit\u00e4tsbedarf in mehreren </span></div><div class=\"ps19116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungen f\u00fchren k\u00f6nnen. Die Stress-Szenarien beziehen die wesentlichen Funding- und Marktliquidit\u00e4tsrisiken ein. Dies </span></div><div class=\"ps19117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bedeutet, dass alle Netzwerkeinheiten in den Stresstests des Konzerns einzeln einer ausgepr\u00e4gten kombinierten Krise f\u00fcr all </span></div><div class=\"ps19118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihre wesentlichen Produkte gleichzeitig unterzogen werden. Die Ergebnisse der Stresstests werden den Risiko- sowie </span></div><div class=\"ps19119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzvorst\u00e4nden und anderen Mitgliedern der Unternehmensf\u00fchrung w\u00f6chentlich gemeldet, stellen einen wesentlichen </span></div><div class=\"ps19124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestandteil der monatlichen ALCO-Sitzungen dar und flie\u00dfen in die strategische Planung sowie die Notfallplanung der RBI ein.</span></div><div class=\"ps27289 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Festlegung von Abflussquoten, die auf historischen Daten und Expertenmeinungen basieren, wird ein konservativer </span></div><div class=\"ps27290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ansatz verfolgt: Die Simulation geht von fehlendem Zugang zum Geld- oder Kapitalmarkt sowie gleichzeitig von erheblichen </span></div><div class=\"ps27291 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abfl\u00fcssen von Kundeneinlagen aus. In dieser Hinsicht wird auch das Einlagenkonzentrationsrisiko ber\u00fccksichtigt, indem </span></div><div class=\"ps27292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gro\u00dfkunden sogar noch h\u00f6here Abflussquoten zugewiesen werden. Dar\u00fcber hinaus werden Stressannahmen f\u00fcr die </span></div><div class=\"ps4740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inanspruchnahme von Garantien und Kreditverbindlichkeiten formuliert. Des Weiteren werden die Liquidit\u00e4tspufferpositionen </span></div><div class=\"ps4741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch Haircuts angepasst, um das Risiko nachteiliger Marktbewegungen abzudecken, und die potenziellen Abfl\u00fcsse infolge </span></div><div class=\"ps4742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besicherter derivativer Gesch\u00e4fte gesch\u00e4tzt. Die Bank kontrolliert kontinuierlich, ob die formulierten Stressannahmen nach wie </span></div><div class=\"ps27293 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor angemessen sind oder ob neue Risiken ber\u00fccksichtigt werden m\u00fcssen.</span></div><div class=\"ps4744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Time-to-Wall-Konzept hat sich als Hauptsteuerungsinstrument f\u00fcr das t\u00e4gliche Liquidit\u00e4tsmanagement etabliert und ist </span></div><div class=\"ps4745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">daher zentraler Bestandteil der Funding-Planung und der Budgetierung. Des Weiteren ist es f\u00fcr die Festlegung von </span></div><div class=\"ps4746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Performance-Kennzahlen im Hinblick auf die Liquidit\u00e4t wesentlich.</span></div><div class=\"ps27294 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4tspuffer<span id=\"i0a3e897e1cad481aa51f319ebb2a928a\"></span></span></div><div class=\"ps27295 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wie die t\u00e4glichen Liquidit\u00e4tsrisikoberichte aufzeigen, unterhalten und verwalten die wesentlichen Konzerneinheiten aktiv </span></div><div class=\"ps27296 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tspuffer, einschlie\u00dflich erstklassiger liquider Aktiva (High Quality Liquid Assets, HQLA), die stets umfangreich genug </span></div><div class=\"ps27297 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind, um die in Krisenszenarien erwarteten Nettoabfl\u00fcsse abzudecken. Der Konzern verf\u00fcgt \u00fcber umfangreiche unbelastete und </span></div><div class=\"ps27298 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">liquide Wertpapierbest\u00e4nde und bevorzugt f\u00fcr Tender-Transaktionen der Zentralbank in Frage kommende Papiere, um </span></div><div class=\"ps27299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausreichend Liquidit\u00e4t in verschiedenen W\u00e4hrungen zu gew\u00e4hrleisten. Die wesentlichen Konzerneinheiten stellen die </span></div><div class=\"ps27300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgbarkeit von Liquidit\u00e4tspuffern sicher, testen ihre F\u00e4higkeit, Zentralbankmittel in Anspruch zu nehmen, bewerten </span></div><div class=\"ps27301 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchgehend ihre Sicherheitenpositionen im Hinblick auf deren Marktwert und Belastung und pr\u00fcfen ihre \u00fcbrigen </span></div><div class=\"ps27302 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenma\u00dfnahmen, einschlie\u00dflich ihres Funding-Potenzials und der Liquidierbarkeit ihrer Assets.</span></div><div class=\"ps27303 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stressannahmen werden auf alle Positionen im Liquidit\u00e4tspuffer angewendet. Dies spiegelt sich im Stresstest-</span></div><div class=\"ps27304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsbericht (Time-to-Wall) wider und umfasst sowohl einen Abschlag der Zentralbank als auch eine spezielle </span></div><div class=\"ps27305 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschreibungsannahme. Der Abschlag der Zentralbank wird f\u00fcr jedes einzelne als Sicherheit zul\u00e4ssige Wertpapier </span></div><div class=\"ps27306 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt. Die Abschreibungsannahme wird f\u00fcr das Portfolio der zul\u00e4ssigen Wertpapiere basierend auf historischen </span></div><div class=\"ps27307 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktindikatoren modelliert und verringert das Volumen des Liquidit\u00e4tspuffers im Stresstest-Szenario.</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Untert\u00e4giges Liquidit\u00e4tsmanagement<span id=\"if0bdd5157dac4f90801e3760659f4ed8\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Einklang mit regulatorischen Vorgaben f\u00fcr untert\u00e4giges Liquidit\u00e4tsrisikomanagement wird t\u00e4glich die verf\u00fcgbare Liquidit\u00e4t </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">analog zu den Abfluss-Annahmen des regul\u00e4ren Liquidit\u00e4tsstressberichts (Time-To-Wall) f\u00fcr die RBI AG berechnet. Etwaige </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limitverletzungen l\u00f6sen einen nach Schweregrad abgestuften Eskalations- und Notfallprozess aus. Die Verantwortung f\u00fcr das </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lokale Innertages-Liquidit\u00e4tsmanagement liegt in der gesamten RBI bei dem lokalen Treasury, das sicherstellt, dass die </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden Mindeststandards eingehalten werden: klare Verantwortungsbereiche und Arbeitsabl\u00e4ufe, t\u00e4gliche \u00dcberwachung </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der verf\u00fcgbaren Liquidit\u00e4t, Prognoseerstellung und Limitierung sowie Eskalations- und Notfallprozesse im Fall von </span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limitbr\u00fcchen.</span></div><div class=\"ps27309 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Notfall-Funding-Plan<span id=\"i2d34f80b759d45798581799ce2bcfb60\"></span></span></div><div class=\"ps19378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter erschwerten Liquidit\u00e4tsbedingungen gehen die Einheiten zu einer Krisenorganisation \u00fcber, in der sie vordefinierte </span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsnotfallpl\u00e4ne verfolgen. Diese Notfallpl\u00e4ne stellen ebenfalls einen Bestandteil des Liquidit\u00e4tsmanagement-Rahmens </span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dar und sind f\u00fcr alle wesentlichen Konzerneinheiten obligatorisch. Der Notfallmanagement-Prozess ist so konzipiert, dass der </span></div><div class=\"ps26148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern selbst in ernsten Krisensituationen eine starke Liquidit\u00e4tsposition beibehalten kann.</span></div><div class=\"ps27310 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4tsposition<span id=\"i66cd57400bb34837b2064ad104d4d517\"></span></span></div><div class=\"ps27311 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Konzern-Funding gr\u00fcndet sich auf eine starke Basis an Kundeneinlagen und wird durch Wholesale-Funding \u2013 haupts\u00e4chlich </span></div><div class=\"ps27312 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber die RBI AG und die Konzerneinheiten \u2013 erg\u00e4nzt. Die Funding-Instrumente sind angemessen diversifiziert und kommen </span></div><div class=\"ps27313 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig zum Einsatz. Die F\u00e4higkeit zur Beschaffung von Mitteln wird von den Treasury-ALM-Einheiten und den ALCOs genau </span></div><div class=\"ps27314 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberwacht und beurteilt.</span></div><div class=\"ps27315 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Liquidit\u00e4ts\u00fcberschuss des Konzerns lag im vergangenen Jahr und bis zum jetzigen Zeitpunkt \u00fcber allen regulatorischen und </span></div><div class=\"ps27316 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Grenzwerten (mit einer Handvoll Ausnahmen im Bereich der internen Sublimits). Das Ergebnis des internen Time-to-</span></div><div class=\"ps27286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wall-Stresstests macht deutlich, dass der Konzern die modellierte Stressphase von einigen Monaten selbst ohne die </span></div><div class=\"ps27287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anwendung von Notfallma\u00dfnahmen durchgehend \u00fcberstehen w\u00fcrde.</span></div><div class=\"ps27317 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Going-Concern-Bericht weist die strukturelle Liquidit\u00e4tsposition aus und deckt dabei alle wesentlichen Risikotreiber ab, </span></div><div class=\"ps27318 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welche den Konzern in einem normalen Gesch\u00e4ftsmodell (Business as Usual) belasten k\u00f6nnten. Die Ergebnisse des Going-</span></div><div class=\"ps27319 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Concern-Szenarios sind in der folgenden Tabelle dargestellt. Sie veranschaulichen den Liquidit\u00e4ts\u00fcberhang und das Verh\u00e4ltnis </span></div><div class=\"ps27320 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von erwarteten Kapitalzufl\u00fcssen und der Ausgleichskapazit\u00e4t zu Kapitalabfl\u00fcssen (Liquidit\u00e4tsquote) f\u00fcr ausgew\u00e4hlte <span class=\"f ps24\"> </span></span></div><div class=\"ps27321 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeiten auf kumulativer Basis. Die Kapitalfl\u00fcsse basieren auf Annahmen anhand von Expertenmeinungen, statistischen </span></div><div class=\"ps27322 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Analysen und L\u00e4nderbesonderheiten. Diese Berechnung umfasst zudem Sch\u00e4tzungen zur Best\u00e4ndigkeit von Kundeneinlagen, zu </span></div><div class=\"ps27289 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abfl\u00fcssen von au\u00dferbilanziellen Positionen und zu Marktabschw\u00fcngen bei Positionen, die in die Ausgleichskapazit\u00e4t einflie\u00dfen. </span></div><div class=\"ps27325 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps22231\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps23742\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27323\">1 Monat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4159\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27323\">1 Monat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4159\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Liquidit\u00e4ts\u00fcberhang<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18524\">15.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19410\">18.779<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22373\">53.419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25824\">58.866<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Liquidit\u00e4tsquote<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27324\"></span><span class=\"ps27324\">201 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17784\"></span><span class=\"ps17784\">156 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18107\"></span><span class=\"ps18107\">191 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18379\"></span><span class=\"ps18379\">153 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27327 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidity Coverage Ratio (LCR)<span id=\"i5c32621350c14fcba7ab757d82887c23\"></span></span></div><div class=\"ps27328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die kurzfristige Belastbarkeit von Banken erfordert eine entsprechende Liquidit\u00e4tsdeckung in Form einer <span class=\"f ps24\"> </span></span></div><div class=\"ps27329 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsdeckungsquote (Liquidity Coverage Ratio, LCR). Dabei m\u00fcssen Letztere angemessene Best\u00e4nde an unbelasteten <span class=\"f ps24\"> </span></span></div><div class=\"ps27330 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstklassigen liquiden Aktiva (High Quality Liquid Assets, HQLA) sicherstellen, um potenzielle Abfl\u00fcsse durch Verbindlichkeiten, </span></div><div class=\"ps27331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die in Krisenzeiten anfallen k\u00f6nnen, decken zu k\u00f6nnen. HQLAs k\u00f6nnen in Cash umgewandelt werden, um den Liquidit\u00e4tsbedarf </span></div><div class=\"ps27332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Rahmen eines Liquidit\u00e4tsstress-Szenarios f\u00fcr mindestens 30 Kalendertage zu decken.</span></div><div class=\"ps27333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Berechnung der erwarteten Mittelzu- und -abfl\u00fcsse sowie der HQLAs basiert auf regulatorischen Vorgaben. Das <span class=\"f ps24\"> </span></span></div><div class=\"ps27334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorische LCR-Limit betr\u00e4gt 100 Prozent. </span></div><div class=\"ps27335 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche liquide Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps25697\">41.227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20281\">40.064<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Netto-Abfl\u00fcsse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20219\">29.232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps11304\">22.028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Zufl\u00fcsse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1154\">12.147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23945\">17.127<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Abfl\u00fcsse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20194\">41.379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19948\">39.155<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Liquidity Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17367\"></span><span class=\"ps17367\">141 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps22141\"></span><span class=\"ps22141\">182 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_907\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Net Stable Funding Ratio (NSFR)<span id=\"iddebbaed67e64f418e5efba821b5ae53\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die NSFR wird definiert als das Verh\u00e4ltnis von verf\u00fcgbarer stabiler Refinanzierung zu erforderlicher stabiler Refinanzierung. </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgbare stabile Refinanzierung wird definiert als jener Teil der Eigen- und Fremdmittel, von dem zu erwarten ist, dass er </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber den von der NSFR erfassten Zeithorizont von einem Jahr eine zuverl\u00e4ssige Mittelquelle darstellt. Die erforderliche stabile </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Refinanzierung einer Bank ist von den Liquidit\u00e4tsmerkmalen und Restlaufzeiten der verschiedenen gehaltenen </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte und der au\u00dferbilanziellen Engagements abh\u00e4ngig. Ziel der RBI ist eine ausgewogene Funding-Position. Die </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderliche strukturelle Liquidit\u00e4t sowie die vorhandene strukturelle Liquidit\u00e4t basieren auf regulatorischen Vorgaben. Das </span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorische NSFR-Limit ist 100 Prozent.</span></div><div class=\"ps27339 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erforderliche strukturelle Liquidit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17784\">119.239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26117\">110.351<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorhandene strukturelle Liquidit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26880\">169.043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps27337\">159.835<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Net Stable Funding Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20346\"></span><span class=\"ps20346\">142 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps27338\"></span><span class=\"ps27338\">145 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Strukturelles Liquidit\u00e4tsrisiko<span id=\"i1dc8a01665504756b784d0a57a8b17ce\"></span></span></div><div class=\"ps27341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strukturelle Liquidit\u00e4tsrisiken werden vor allem durch eine \u00c4nderung in der Risikostrategie der Kreditgeber oder durch eine </span></div><div class=\"ps27342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bonit\u00e4tsverschlechterung eines sich refinanzierenden Instituts ausgel\u00f6st. Die Refinanzierungskosten und -m\u00f6glichkeiten </span></div><div class=\"ps27343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steigen und fallen mit den geforderten Risikopr\u00e4mien, die sowohl markt- als auch institutsspezifisch schwanken.</span></div><div class=\"ps27344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die langfristige Refinanzierungsm\u00f6glichkeit ist somit von der generellen Wiederherstellung des Vertrauens in Banken und dem </span></div><div class=\"ps27345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verst\u00e4rkten Bem\u00fchen um Spareinlagen abh\u00e4ngig. Die RBI AG refinanziert sich dabei einerseits durch Geld- und </span></div><div class=\"ps27346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalmarkttransaktionen und andererseits aus dem Retail-Gesch\u00e4ft der Tochterbanken. Sie ist die zentrale </span></div><div class=\"ps27347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsausgleichsstelle f\u00fcr die verschiedenen lokalen Konzerngesellschaften in Zentral- und Osteuropa.</span></div><div class=\"ps27348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Refinanzierungsplan des Konzerns wird spezielles Augenmerk auf eine ausgewogene Finanzierungsstruktur gelegt, um das </span></div><div class=\"ps27349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">strukturelle Liquidit\u00e4tsrisiko zu kontrollieren. Im Konzern werden dabei Gelder nicht nur durch die RBI AG als Konzernspitze, </span></div><div class=\"ps27350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sondern auch von vielen Tochterbanken aufgenommen. Dies wird durch ein gemeinsames Konzept koordiniert und optimiert.</span></div><div class=\"ps27351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus erm\u00f6glicht die RBI AG die mittel- und langfristige Mittelaufnahme ihrer T\u00f6chter im Weg von syndizierten </span></div><div class=\"ps27352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten, bilateralen Bankrefinanzierungen und Globaldarlehen supranationaler Institutionen. Diese Refinanzierungsquellen </span></div><div class=\"ps27353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden durchwegs auf Basis langj\u00e4hriger Gesch\u00e4ftsbeziehungen genutzt.</span></div><div class=\"ps27354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Steuerung und aktiven Begrenzung des Liquidit\u00e4tsrisikos ber\u00fccksichtigen die Zielvorgaben f\u00fcr die Loan/Deposit Ratio </span></div><div class=\"ps27355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Verh\u00e4ltnis von Kundenforderungen zu Kundeneinlagen) in den einzelnen Tochterbanken sowohl das geplante zuk\u00fcnftige </span></div><div class=\"ps27356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsvolumen als auch die M\u00f6glichkeiten zur St\u00e4rkung der Einlagenbasis in den jeweiligen L\u00e4ndern. Dies verringert </span></div><div class=\"ps27357 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einerseits den externen Refinanzierungsbedarf f\u00fcr den Konzern und andererseits die Notwendigkeit konzerninterner </span></div><div class=\"ps27358 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tstransfers sowie das damit verbundene Risiko.</span></div><div class=\"ps27359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die vereinbarten vertraglichen Zahlungsstr\u00f6me f\u00fcr die finanziellen Verm\u00f6genswerte ergeben folgende Laufzeit:</span></span></div><div class=\"ps27472 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27360 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps1832\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps7911\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps12700\">Zahlungsstr\u00f6me</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27361 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps675\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps27362\">Mehr als 1 Jahr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps16657\">bis 5 Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps27363\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps6995\">Jahre</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Nicht derivative Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27364 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps26731\">199.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps9437\">226.618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27365 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps8523\">73.284<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17598\">22.552<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27367 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps19478\">65.277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13418 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps18609\">65.506<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">und sonstige Sichteinlagen</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27368 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps10879\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps8556\">35.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27369 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps8556\">35.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10969 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14928 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13428 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27370 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1536\">118.292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27371 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1577\">138.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27372 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13217\">30.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17741\">17.735<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27374 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps411\">44.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13438 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10571\">44.933<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27375 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17706\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27376 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1631\">8.435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27377 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1631\">8.435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14955 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27379 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27380 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7448\">3.909<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27381 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12601\">4.101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27382 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1623\">2.409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17371\">210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27385 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27384\">716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22643 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">766<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27386 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19613\">4.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27388 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27387\">4.389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27389 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17912\">2.236<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27390 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps4173\">754<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27392 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27391\">910<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27393 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17912\">489<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27394 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1490\">9.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27395 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps21017\">10.900<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27396 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17769\">4.223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps23659\">1.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27398 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps489\">3.544<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27399 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19567\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27400 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps14902\">47.597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27401 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps21017\">52.597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27402 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11316\">10.235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10987 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps16900\">10.936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27403 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps120\">24.882<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27404 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps169\">6.543<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27405 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25982\">44.118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27406 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps21017\">57.592<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27407 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25415\">2.866<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps19655\">4.385<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27409 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6725\">14.889<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27410 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12750\">35.452<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27411 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7101\">46.352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27412 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1667\">53.311<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27413 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13350\">7.585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22334\">4.817<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27415 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11959\">20.335<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27416 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12730\">20.573<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27417 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10094\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27418 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4154\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27419 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4154\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23532 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27421 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27422 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22539\">38.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27423 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22908\">45.079<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27425 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27424\">6.505<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps1509\">4.073<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23539 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27427\">16.443<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10711\">18.059<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27429 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25415\">4.875<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27430 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps15101\">5.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27432 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27431\">905<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9584\">536<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23546 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1492\">2.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27434 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8556\">1.350<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27435 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8062\">1.612<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27436 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12546\">1.772<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27437 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4173\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps27438\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23553 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12616\">908<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27441 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27440\">719<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27442 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps405\">1.100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27444 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27443\">1.217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27445 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18116\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27446 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17371\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23559 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19270\">563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27447 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6715\">445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivative Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27448 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps19428\">4.103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27449 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps6723\">3.917<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27451 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27450\">565<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27452 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17344\">565<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27424\">1.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27453 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps17765\">1.178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27454 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13425\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27455 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12633\">3.565<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27456 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18683\">558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27457 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18116\">553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27458 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1492\">1.352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27459 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps258\">1.102<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12964 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27460 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12639\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27461 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17221\">383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27462 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps9396\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27463 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17467\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27464 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10129\">259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27465 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8150\">78<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7931 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27466 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27443\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27467 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25075\">-31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27468 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps22200\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27469 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27470 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps20170\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27471 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps22192\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27360 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps1832\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps7911\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps12700\">Zahlungsstr\u00f6me</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27361 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps675\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps27362\">Mehr als 1 Jahr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps16657\">bis 5 Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps27363\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps6995\">Jahre</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Nicht derivative Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27364 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps221\">189.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps13017\">214.256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27365 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps9810\">76.390<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17204\">19.424<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27367 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps7186\">61.420<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13418 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps8516\">57.021<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">und sonstige Sichteinlagen</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27368 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps19461\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps13156\">34.761<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27369 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps13156\">34.761<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10969 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14928 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13428 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27370 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1555\">117.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27371 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6012\">136.649<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27372 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1569\">37.044<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22553\">16.040<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27374 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12488\">43.991<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13438 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps26731\">39.573<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27375 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27473\">13.783<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27376 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps52\">13.819<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27377 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps52\">13.819<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14955 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27379 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27380 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19768\">3.808<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27381 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps3220\">3.937<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27382 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12608\">2.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18495\">211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27385 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25888\">627<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22643 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps16900\">743<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27386 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12597\">4.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27388 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps431\">4.409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27389 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8149\">2.313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27390 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9396\">336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27392 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8049\">1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27393 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19712\">491<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27394 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27427\">10.380<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27395 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps123\">11.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27396 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12615\">5.072<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps5368\">1.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27398 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps409\">3.904<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27399 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps343\">1.307<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27400 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7101\">45.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27401 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6365\">50.568<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27402 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8696\">10.829<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10987 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps16871\">10.196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27403 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13163\">24.220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27404 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">5.322<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27405 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10879\">40.070<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27406 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps314\">52.467<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27407 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12633\">2.654<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps7864\">4.133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27409 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps481\">13.970<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27410 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps177\">31.710<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27411 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19568\">36.972<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27412 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps21581\">42.847<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27413 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7448\">4.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17715\">3.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27415 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10777\">17.429<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27416 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps23640\">17.447<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27417 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17995\">398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27418 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17995\">398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27419 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17995\">398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23532 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27421 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27422 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27474\">30.022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27423 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6065\">35.394<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27425 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12608\">3.259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps27475\">2.688<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23539 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps167\">13.604<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10111\">15.842<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27429 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22541\">4.487<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27430 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12592\">4.810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27432 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25882\">766<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10660\">528<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23546 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13265\">2.466<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27434 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">1.050<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27435 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22336\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27436 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps143\">1.304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27437 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4173\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18408\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23553 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17672\">843<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27441 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps22553\">306<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27442 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27476\">889<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27444 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17457\">941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27445 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps3169\">108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27446 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18408\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23559 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7916\">515<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27447 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27477\">249<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivative Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27448 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27478\">4.185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27449 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps23001\">3.634<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27451 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps18120\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27452 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps10123\">558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps1490\">1.848<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27453 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11922\">816<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27454 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17757\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27455 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13346\">3.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27456 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps23524\">377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27457 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps4173\">574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27458 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps16900\">1.640<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27459 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13201\">793<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12964 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27460 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12601\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27461 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22172\">230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27462 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17449\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27463 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17466\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27464 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18683\">209<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27465 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps24270\">22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7931 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27466 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps1511\">-234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27467 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27479\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27468 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps9393\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27469 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27470 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27471 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps4169\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27480 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die vereinbarten vertraglichen Zahlungsstr\u00f6me f\u00fcr die finanziellen Verbindlichkeiten ergeben folgende Laufzeit:</span></div><div class=\"ps27535 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27360 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps1832\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps7911\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps12700\">Zahlungsstr\u00f6me</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27361 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps675\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps27362\">Mehr als 1 Jahr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps16657\">bis 5 Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps27363\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps6995\">Jahre</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Nicht derivative Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27364 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps18670\">179.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps10709\">183.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27365 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps7135\">130.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps495\">12.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27367 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps169\">24.902<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13418 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps21185\">15.431<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27368 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10656\">148.252<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1452\">149.078<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27369 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6458\">125.116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10969 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21652\">8.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14928 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22553\">6.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8556\">8.981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27481 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17457\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22707\">434<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27482 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27476\">204<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27483 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps20223\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14942 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10131\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20976 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8333\">104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27484 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps491\">3.759<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27478\">3.784<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27485 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17913\">3.233<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27486 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps11324\">368<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27487 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps23296\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8064\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27488 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19569\">20.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27489\">20.476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27490 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps26492\">14.864<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27492 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps27491\">1.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27493 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps143\">3.041<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20990 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1647\">1.187<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27494 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10800\">11.996<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1672\">12.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27495 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17761\">8.942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27496 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps8929\">696<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27497 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17741\">1.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20996 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps16883\">992<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27498 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps15656\">46.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6383\">46.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27499 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1445\">43.585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27500 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18132\">2.162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27501 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19667\">339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21003 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10962\">172<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27502 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8688\">65.657<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25982\">65.771<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27503 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6383\">54.289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27504 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22334\">3.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27505 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12579\">1.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21009 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17666\">6.492<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27506 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25889\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12774\">1.321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27508 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27507\">1.314<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27509 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23516 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21016 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9394\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27510 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27474\">29.095<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1631\">31.711<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27511 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27424\">2.808<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27512 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps19508\">4.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23523 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19402\">18.115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21023 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27513\">6.443<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27514 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7987\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1492\">1.352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27515 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17156\">1.313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27517 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps27516\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27518 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4154\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21030 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivative Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27519 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps22816\">3.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27115 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps23504\">3.460<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27520 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps1456\">199<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27521 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps9585\">523<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27522 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps17773\">1.597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21038 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps27523\">1.142<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27524 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18075\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19683\">3.600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27525 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1501\">473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10999 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps15179\">494<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27526 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12567\">1.502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21045 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1702\">1.131<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27527 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19270\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27176 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps24760\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27528 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4173\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27529 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18461\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27530 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4173\">95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21052 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8926\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27531 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27507\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27188 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps8062\">-326<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27532 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25889\">-330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27533 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17447\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27534 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps18457\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21059 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps19231\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Gegebene Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27448 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps22540\">10.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27449 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27474\">10.037<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27451 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps23504\">4.634<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27452 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps19483\">2.134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps489\">2.567<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27453 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps6710\">702<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Gegebene Darlehenszusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27454 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps1548\">42.664<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27455 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps18753\">42.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27456 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps21581\">21.669<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27457 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8150\">6.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27458 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps1721\">11.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27459 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps184\">3.477<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27360 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps1832\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps7911\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps12700\">Zahlungsstr\u00f6me</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27361 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps675\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps27362\">Mehr als 1 Jahr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps16657\">bis 5 Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps27363\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps6995\">Jahre</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Nicht derivative Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27364 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps9382\">170.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps20548\">169.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27365 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps8529\">120.112<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17477\">13.311<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27367 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps14902\">27.138<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13418 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps5084\">9.081<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27368 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10430\">140.732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps15153\">141.662<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27369 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8547\">116.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10969 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps12628\">10.189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14928 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps73\">11.939<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27537\">3.385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27481 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22603\">391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17457\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27482 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17369\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27483 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18467\">122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14942 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps15110\">131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20976 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps24764\">117<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27484 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12578\">3.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17156\">3.131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27485 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1516\">2.712<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27486 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10642\">228<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27487 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17907\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8064\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27488 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22539\">22.624<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1567\">23.036<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27490 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10700\">16.363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27492 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps11532\">1.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27493 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps491\">3.795<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20990 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1702\">1.113<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27494 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps413\">11.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps240\">11.684<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27495 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17704\">8.153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27496 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9585\">868<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27497 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18653\">1.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20996 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps246\">1.123<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27498 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13217\">43.834<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6246\">43.959<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27499 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13163\">40.767<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27500 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps12544\">2.692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27501 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27538\">349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21003 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27539\">151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27502 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11961\">59.354<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11961\">59.435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27503 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19400\">48.105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27504 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps7986\">4.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27505 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11544\">5.966<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21009 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12622\">847<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27506 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25148\">992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27476\">988<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27508 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17995\">983<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27509 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23516 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19217\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21016 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps23997\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27510 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13143\">27.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps279\">25.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27511 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8448\">1.362<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27512 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps8064\">3.104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23523 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1640\">15.198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21023 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17666\">5.693<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27514 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17911\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11922\">1.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27515 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1468\">1.617<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27517 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17384\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27518 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21030 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivative Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27519 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27323\">3.981<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27115 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps12624\">3.437<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27520 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps7356\">-194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27521 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps26250\">547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27522 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps22896\">1.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21038 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps5084\">1.086<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27524 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13265\">3.032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19633\">3.353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27525 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8920\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10999 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps15179\">446<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27526 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27540\">1.833<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21045 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19752\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27527 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12578\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27176 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27541\">427<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27528 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps26677\">118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27529 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18408\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27530 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27542\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21052 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12617\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27531 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27543\">-359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27188 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27507\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27532 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps1511\">-353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27533 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17447\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27534 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21059 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps26273\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Gegebene Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27448 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps19422\">9.243<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27449 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps12629\">9.242<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27451 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps20528\">4.359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27452 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7208\">2.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps489\">2.253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27453 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps17773\">523<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Gegebene Darlehenszusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27454 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps18753\">37.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27455 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps10112\">37.633<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27456 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps23160\">19.435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27457 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12599\">5.215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27458 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27474\">10.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27459 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps10654\">2.609<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(44) Operationelle Risiken<span id=\"id6416c6203074c1ba83f5668d4f7630f\"></span></span></div><div class=\"ps27545 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Operationelles Risiko definiert sich als Risiko von Verlusten, die durch die Unangemessenheit oder das Versagen von internen </span></div><div class=\"ps27546 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren, Menschen und Systemen oder durch externe Ereignisse verursacht werden, was unter anderem Rechtsrisiken, <span class=\"f ps24\"> </span></span></div><div class=\"ps27547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modellrisiken oder Risiken der Informations- und Kommunikationstechnologie (IKT-Risiko), nicht aber strategische Risiken und </span></div><div class=\"ps27548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reputationsrisiken einschlie\u00dft. Innerhalb dieser Risikokategorie werden sowohl interne Risikofaktoren \u2013 z. B. unbefugte </span></div><div class=\"ps27549 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handlungen, Diebstahl und Betrug, verhaltensbedingte Sch\u00e4den, Modellfehler, Abwicklungs- und Prozessfehler, </span></div><div class=\"ps27550 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsunterbrechungen oder Systemausf\u00e4lle \u2013 als auch externe Risikofaktoren, einschlie\u00dflich Sachsch\u00e4den und </span></div><div class=\"ps27551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrugsabsichten, kontrolliert und gesteuert.</span></div><div class=\"ps27552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Analyse und Steuerung dieser Risiken erfolgt basierend auf der eigenen historischen Verlustdatensammlung und den </span></div><div class=\"ps27553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnissen der Risikobeurteilung. Analog zu den anderen Risikoarten gilt im Konzern auch f\u00fcr das operationelle Risiko das </span></div><div class=\"ps27554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prinzip der Funktionstrennung in Risikomanagement und -controlling. Dazu werden f\u00fcr jeden Gesch\u00e4ftsbereich Personen als </span></div><div class=\"ps27555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sogenannte Operational Risk Manager nominiert und geschult. Operational Risk Manager berichten Risikoeinsch\u00e4tzungen, </span></div><div class=\"ps27556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadensf\u00e4lle, Indikatorenwerte und Ma\u00dfnahmen an das zentrale Operational Risk Controlling. Sie werden dabei von Dedicated </span></div><div class=\"ps27557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Operational Risk Specialists (DORS) unterst\u00fctzt.</span></div><div class=\"ps27558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Risikocontrolling-Einheiten f\u00fcr operationelles Risiko sind verantwortlich f\u00fcr das Reporting, die Implementierung des </span></div><div class=\"ps27559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmenwerks, die Entwicklung der Steuerungsma\u00dfnahmen sowie die \u00dcberwachung der Einhaltung der Vorgaben. Im Rahmen </span></div><div class=\"ps27560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des j\u00e4hrlichen Risikomanagementzyklus koordinieren sie auch die Teilnahme der relevanten Second-Line-of-Defense-Bereiche </span></div><div class=\"ps27561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Financial Crime Management, Compliance, Insurance Management, Informationssicherheit, physische Sicherheit, Business </span></div><div class=\"ps27562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Continuity Management, Internes Kontrollsystem, Technology Risk Management) und der gesamten First-Line-of-Defense-</span></div><div class=\"ps27563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ansprechpartner (Operational Risk Manager). </span></div><div class=\"ps27564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Risikoidentifikation<span id=\"i122ebe43488446f18f52ce98dc93448d\"></span></span></div><div class=\"ps27565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein wesentlicher Schritt in der Steuerung operationeller Risiken ist die Identifikation und Beurteilung von Risiken, die den </span></div><div class=\"ps27566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fortbestand des Konzerns gef\u00e4hrden k\u00f6nnten (wenn auch mit sehr geringer Wahrscheinlichkeit eintreten), sowie von Bereichen, </span></div><div class=\"ps27567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in denen Verluste h\u00e4ufiger, jedoch mit geringer Schadensh\u00f6he auftreten.</span></div><div class=\"ps27568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der operationellen Risiken erfolgt in der Gruppe in strukturierter Form nach Kategorien wie Gesch\u00e4ftsprozessen </span></div><div class=\"ps27569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Ereignistypen durch Risiko-Assessments, ebenso wird f\u00fcr alle Neuprodukte ein Risiko-Assessment durchlaufen. Alle </span></div><div class=\"ps27570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerneinheiten bewerten die Auswirkung von wahrscheinlichen Ereignissen mit geringer Verlusth\u00f6he (High Probability/Low </span></div><div class=\"ps27571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Impact) und unwahrscheinlichen Ereignissen mit gro\u00dfem Verlustpotenzial (Low Probability/High Impact) bezogen auf einen </span></div><div class=\"ps27572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einj\u00e4hrigen bzw. zehnj\u00e4hrigen Zeithorizont. Die Low-Probability/High-Impact-Ereignisse werden in einem konzernweiten </span></div><div class=\"ps27573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Analysetool (Szenarien) gemessen. Welche F\u00e4lle detailliert behandelt werden, bestimmen das interne Risikoprofil, die </span></div><div class=\"ps27574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgetretenen Sch\u00e4den und externe \u00c4nderungen. Zus\u00e4tzlich werden f\u00fcr Fokusthemen wie ESG, Modellrisiken oder Cyberrisiken </span></div><div class=\"ps27575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarioanalysen \u00fcber die Gruppe vorgegeben.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00dcberwachung<span id=\"i756028b1ce0446c68c99d5924b6c8046\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die \u00dcberwachung der operationellen Risiken werden Fr\u00fchwarnindikatoren (Early Warning Indicators) verwendet, die eine </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zeitnahe Erkennung und Minderung von Verlusten erm\u00f6glichen. Die Erfassung von operationellen Sch\u00e4den erfolgt strukturiert </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und konzernweit in der zentralen Datenbank Archer (einer gesamthaften Non-Financial Risk Plattform) mit entsprechender </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Untergliederung nach Gesch\u00e4ftsfeld und Ereignistyp. Neben den Anforderungen zum internen und externen Reporting dienen </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Schadensf\u00e4lle zum Austausch mit internationalen Verlustdatenbanken zur Weiterentwicklung der eingesetzten </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Messmethoden sowie zur Weiterverfolgung von Ma\u00dfnahmen und der Kontrolleffektivit\u00e4t. Der Konzern ist Teilnehmer im ORX-</span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datenkonsortium (Operational Riskdata Exchange Association), dessen Daten aktuell zu internen Benchmarking-Zwecken und </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Analysen sowie als Teil des Operational-Risk-Modells herangezogen werden. Beim ORX-Datenkonsortium handelt sich es um </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen Zusammenschluss von Banken- und Versicherungsgruppen f\u00fcr statistische Zwecke. Die Ergebnisse der Analysen sowie </span></div><div class=\"ps27283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorf\u00e4lle aus operationellen Risiken werden in umfassender Weise regelm\u00e4\u00dfig dem relevanten Operational Risk Management <span class=\"f ps24\"> </span></span></div><div class=\"ps27577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Komitee berichtet. </span></div><div class=\"ps27578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Messung und Risikoreduktion<span class=\"f ps24\"> </span><span id=\"i577484a250dd4ed0b2d1aba0b549674a\"></span></span></div><div class=\"ps26149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum Jahresende 2025 wurde der Eigenmittelbedarf aufgrund des neuen Ansatzes laut CRR/Basel IV mit der </span></div><div class=\"ps26150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsindikatorkomponenten (BIC) Methode berechnet und unterlegt. Aufgrund der Gr\u00f6\u00dfenordnung des zugrunde liegenden </span></div><div class=\"ps26151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsindikators (BI) wird f\u00fcr die RBI Gruppe die relevante Formel f\u00fcr eine mittelgro\u00dfe Bank angewendet. </span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das \u00f6konomische Kapital basiert auf einem internen Modell mit den Input-Faktoren der externen und internen Schadensf\u00e4lle </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und den gruppenweiten Szenarien. Die risikobasierte Steuerung erfolgt mit der Allokation aufgrund der Input-Faktoren der </span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jeweiligen Einheiten und den Betriebsertr\u00e4gen zur Stabilisierung. Die implementierten und verfolgten Standards auf </span></div><div class=\"ps19112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gruppenebene entsprechen einem fortgeschrittenen Ansatz in allen operationellen Risiko-Methoden. </span></div><div class=\"ps27579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um das operationelle Risiko zu reduzieren, werden durch die Gesch\u00e4ftsbereichsleiter vorbeugende Ma\u00dfnahmen zur </span></div><div class=\"ps27580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoreduktion und zum Risikotransfer gesetzt und deren Fortschritt und Wirkungsgrad vom Risikocontrolling \u00fcberwacht. </span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erstere entwickeln auch Krisenpl\u00e4ne und bestimmen Personen oder Abteilungen, welche die notwendigen Ma\u00dfnahmen </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einleiten, falls Schadensf\u00e4lle tats\u00e4chlich eintreten. Weiters unterst\u00fctzen mehrere spezialisierte Organisationseinheiten die </span></div><div class=\"ps27258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbereiche bei der Vermeidung von operationellen Risiken. Eine wesentliche Rolle im Zusammenspiel mit den </span></div><div class=\"ps27581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">T\u00e4tigkeiten aus dem operationellen Risiko nehmen das Financial Crime Management und das Technology Risk Management ein. </span></div><div class=\"ps27582 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Financial Crime Management unterst\u00fctzt die Pr\u00e4vention und Identifikation von Betrugsf\u00e4llen. Technology Risk </span></div><div class=\"ps27583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management bildet eine wichtige Rolle im Rahmen der Definition und \u00dcberwachung der IT Risiken. Der Konzern f\u00fchrt auch </span></div><div class=\"ps27584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufend umfangreiche Mitarbeiter:innen Schulungen durch und verf\u00fcgt \u00fcber verschiedenste Notfallpl\u00e4ne und Back-up-Systeme. </span></div><div class=\"ps27585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verlustdaten aus dem operationellen Risiko werden f\u00fcr alle Einheiten in der CRR-Gruppe gesammelt.</span></div><div class=\"ps26911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese verteilen sich auf die Basel-Risikokategorien wie folgt, jedoch enthalten diese keine Schadenf\u00e4lle, die bereits in den </span></div><div class=\"ps26912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisiko R\u00fcckstellungen reflektiert sind :</span></div><div class=\"ps27586 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kunden, Produkte und Gesch\u00e4ftsgepflogenheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17518\">1.968<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17221\"></span><span class=\"ps17221\">100,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25724\">1.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17369\"></span><span class=\"ps17369\">97,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Externer Betrug<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Interner Betrug<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3068\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Technologie und Infrastruktur Ausf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Besch\u00e4ftigungspraxis und Arbeitsplatzsicherheit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22199\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Katastrophe und \u00f6ffentliche Sicherheit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Abwicklung, Vertrieb und Prozessmanagement<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23262\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10641\"></span><span class=\"ps10641\">-0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18450\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17240\"></span><span class=\"ps17240\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20174\">1.969<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17909\">1.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die externe Berichtserstattung zur Berechnung der operationellen Verluste wurde aufgrund des kausalen Zusammenhangs </span></div><div class=\"ps27588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 wie folgt aggregiert. Eine Gruppe einzelner Ereignisse mit einer zusammenh\u00e4ngenden Ursache wird als ein Ereignis </span></div><div class=\"ps27589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u00fcbergeordnetes Ereignis) gez\u00e4hlt und der Gesamtverlustbetrag dieser Gruppe (Summe aller Effekte/Buchungen die zur Gruppe </span></div><div class=\"ps27590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geh\u00f6ren) wird dem \u00fcbergeordneten Ereignis zugeordnet. </span></div><div class=\"ps27591 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl operationeller Verluste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Externer Betrug<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26768\">846<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19194\"></span><span class=\"ps19194\">47,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18379\">1.209<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9407\"></span><span class=\"ps9407\">58,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Abwicklung, Vertrieb und Prozessmanagement<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20173\">637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps15180\"></span><span class=\"ps15180\">35,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25886\">596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18006\"></span><span class=\"ps18006\">28,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kunden, Produkte und Gesch\u00e4ftsgepflogenheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23106\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">9,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25843\">123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23238\"></span><span class=\"ps23238\">5,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Technologie und Infrastruktur Ausf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22076\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">3,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24310\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">3,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Katastrophe und \u00f6ffentliche Sicherheit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18465\">59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10804\"></span><span class=\"ps10804\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20356\"></span><span class=\"ps20356\">2,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Besch\u00e4ftigungspraxis und Arbeitsplatzsicherheit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20186\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19977\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Interner Betrug<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18394\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17466\">1.797<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17452\">2.076<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-540": {
   "value": "<div class=\"ps26884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(42) Marktrisiko<span id=\"idc1c5713200c4b3eaf2d79be4d53c010\"></span></span></div><div class=\"ps26885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern definiert Marktrisiko als die potenziell m\u00f6gliche negative Ver\u00e4nderung der Marktpreise von Handels- und </span></div><div class=\"ps26886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investmentpositionen. Es wird durch Schwankungen der Wechselkurse, Zinss\u00e4tze, Credit Spreads, Aktienpreise und Warenpreise </span></div><div class=\"ps26887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie anderer relevanter Marktparameter, wie z. B. impliziter Volatilit\u00e4ten, bestimmt.<span class=\"f ps24\"> </span></span></div><div class=\"ps26888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Marktrisiko der Kundenbereiche wird mittels Transferpreismethode in das Treasury transferiert. Der Bereich Treasury ist f\u00fcr </span></div><div class=\"ps26889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Management dieser strukturellen Risiken sowie f\u00fcr die Einhaltung der Gesamtkonzernlimits verantwortlich. Der Bereich </span></div><div class=\"ps26890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Capital Markets ist f\u00fcr den Eigenhandel, das Market Making und das Kundengesch\u00e4ft mit Geld- und Kapitalmarktprodukten </span></div><div class=\"ps26891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zust\u00e4ndig.</span></div><div class=\"ps26892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den letzten Jahren war eine verst\u00e4rkte \u00dcberwachung von Marktbewegungen und Positions\u00e4nderungen innerhalb der RBI </span></div><div class=\"ps26893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">notwendig, insbesondere seit dem Ausbruch des Kriegs in der Ukraine. Die anhaltenden Herausforderungen erforderten aktives </span></div><div class=\"ps26894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement und t\u00e4gliche \u00dcberwachung mit Fokus auf die russischen und ukrainischen M\u00e4rkte und Portfolios, den seit </span></div><div class=\"ps26895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2023 geltenden dualen Steuerungsansatz (RBI ohne russische Gesch\u00e4ftst\u00e4tigkeiten) sowie die Reduktion der internen Gesch\u00e4fte </span></div><div class=\"ps26896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen der Konzernzentrale und der russischen Tochtergesellschaft zur Anpassung an das ver\u00e4nderte Umfeld.</span></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Organisation des Marktrisikomanagements<span id=\"ic893fb1f18f242308915f2d49f968e18\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Marktrisiken werden auf Konzernebene gemessen, \u00fcberwacht und gesteuert. Die Aufgabe des strategischen </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisikomanagements wird durch das Market Risk Committee wahrgenommen, welches f\u00fcr das Management und die </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung aller Marktrisiken im Konzern verantwortlich ist. Das Konzerngesamtlimit wird unter Ber\u00fccksichtigung der </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikotragf\u00e4higkeit und des Ertragsbudgets vom Gesamtvorstand festgelegt. Die Aufteilung dieses Limits auf Sublimits erfolgt </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgestimmt mit den jeweiligen Unternehmensbereichen je nach Strategie, Gesch\u00e4ftsmodell und Risikoappetit.</span></div><div class=\"ps19096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Abteilung Market Risk Management stellt sicher, dass der Gesch\u00e4fts- und der Produktumfang im Rahmen der definierten </span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und beschlossenen Strategie des Konzerns liegen. Sie ist verantwortlich f\u00fcr die Entwicklung und Weiterentwicklung der </span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Prozesse, -Infrastruktur und -Systeme sowie der Regelwerke und der Messmethoden f\u00fcr alle </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisikokategorien und f\u00fcr marktrisikoinduzierte Kreditrisiken des Derivatgesch\u00e4fts. Weiters f\u00fchrt diese Abteilung die </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">t\u00e4gliche unabh\u00e4ngige Messung und das Reporting aller Marktrisiken durch.</span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Produkte, in denen offene Positionen gehalten werden, sind im Produktkatalog festgelegt. Neue Produkte werden in diese </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liste erst dann aufgenommen, wenn sie den Produkteinf\u00fchrungsprozess erfolgreich durchlaufen haben. Produktantr\u00e4ge </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden einer gesamthaften Risikoanalyse unterworfen und nur genehmigt, wenn die Abbildbarkeit in den Front- und Back-</span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Office- bzw. Risikomanagement-Systemen der RBI gew\u00e4hrleistet ist.</span></div><div class=\"ps26898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Limitsystem<span id=\"ieb36a6d6689e405989a4967ba1bdc49b\"></span></span></div><div class=\"ps26899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern verfolgt einen umfassenden Risikomanagement-Ansatz f\u00fcr Handels- und Bankb\u00fccher (Total-Return-Ansatz). Die </span></div><div class=\"ps19382 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung der Marktrisiken wird deshalb konsistent auf alle Handels- und Bankb\u00fccher angewendet. Die folgenden Gr\u00f6\u00dfen </span></div><div class=\"ps19385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden im Marktrisikomanagement-System auf t\u00e4glicher Basis gemessen und limitiert:</span></div><div class=\"ps26900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Value-at-Risk (VaR) \u2013 Konfidenzintervall 99 Prozent </span></div><div class=\"ps26901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Der VaR ist das Hauptsteuerungsinstrument f\u00fcr Marktrisiken in liquiden M\u00e4rkten und normalen Marktsituationen. Es </span></div><div class=\"ps26902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden zwei unterschiedliche Berechnungsmethoden je nach Steering-Ansatz verwendet. Die Konsistenz zwischen </span></div><div class=\"ps26903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">P&amp;L und Risikoziffern ist parallel zum \u00f6konomischen Umfang der RBI notwendig, um eine umfassende Steuerung zu </span></div><div class=\"ps26904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">gew\u00e4hrleisten. F\u00fcr das Gesamtportfolio inklusive des Bankbuchs wird ein Modell verwendet, welches auf einer </span></div><div class=\"ps26905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">historischen Simulation beruht, und f\u00fcr die l\u00e4ngerfristige Steuerung der Marktrisiken aus den Bankb\u00fcchern geeignet </span></div><div class=\"ps26906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ist (Modell ALL, Konfidenzintervall 99 Prozent, Horizont 20 Tage). Die Berechnung basiert auf \u00fcberlappenden 20-</span></div><div class=\"ps26907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Tages-Returns der letzten sieben Jahre und wird auch f\u00fcr die Allokation des \u00f6konomischen Kapitals verwendet. F\u00fcr </span></div><div class=\"ps26908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">alle Markrisiken mit unmittelbarer Auswirkung auf die Erfolgsrechnung wird ein Modell angewendet, welches die <span class=\"f ps24\"> </span></span></div><div class=\"ps26909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">kurzfristige Volatilit\u00e4t gut prognostiziert (Modell IFRS-P&amp;L, Konfidenzintervall 99 Prozent, Horizont 1 Tag). Dieser </span></div><div class=\"ps26910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellansatz ist von der \u00f6sterreichischen Finanzmarktaufsicht als internes Modell f\u00fcr die Messung des </span></div><div class=\"ps26911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Eigenmittelerfordernisses f\u00fcr Marktrisiken f\u00fcr das Handelsbuch der RBI AG zugelassen. Beide Modelle berechnen </span></div><div class=\"ps26912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Value-At-Risk-Kennzahlen f\u00fcr die Ver\u00e4nderungen der Risikofaktoren Fremdw\u00e4hrungen, Zinsentwicklung, Credit </span></div><div class=\"ps26913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Spreads, implizite Volatilit\u00e4t, Aktienindizes und Basis- Spreads.</span></div><div class=\"ps26914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sensitivit\u00e4ten (gegen\u00fcber \u00c4nderungen in W\u00e4hrungskursen und Zinss\u00e4tzen, Gamma, Vega, Aktien- und Warenpreisen) </span></div><div class=\"ps26915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Sensitivit\u00e4tslimits sollen Konzentrationen in normalen Marktsituationen vermeiden und sind das </span></div><div class=\"ps26916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Hauptsteuerungsinstrument in Stress-Situationen und in illiquiden oder strukturell schwer zu messenden M\u00e4rkten.</span></div><div class=\"ps26917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Stop Loss </span></div><div class=\"ps26918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Dieses Limit unterst\u00fctzt die Disziplin der H\u00e4ndler im Management von Eigenpositionen, m\u00f6gliche Verluste nicht zu </span></div><div class=\"ps26919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">akkumulieren, sondern eng zu begrenzen.</span></div><div class=\"ps26920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses mehrstufige Limitsystem wird durch ein umfangreiches Stresstesting-Konzept erg\u00e4nzt, in dem die potenziellen </span></div><div class=\"ps26921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertver\u00e4nderungen des Gesamtportfolios bei Anwendung verschiedener Szenarien ermittelt werden. Risikokonzentrationen, </span></div><div class=\"ps26922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die durch diese Stresstests offenbar werden, werden im Marktrisikokomitee berichtet und in der Limitvergabe ber\u00fccksichtigt. </span></div><div class=\"ps26923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stresstest-Berichte je Portfolio sind Teil des t\u00e4glichen Marktrisiko-Reporting. </span></div><div class=\"ps26924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Value-at-Risk (VaR)<span id=\"i5b2993dee69f41e2848611fc6e9f3317\"></span></span></div><div class=\"ps26925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachstehende Tabellen stellen die Risikokennzahlen (VaR ALL 99 Prozent, 20 Tage sowie VaR IFRS-P&amp;L 99 Prozent, 1 Tag) f\u00fcr das </span></div><div class=\"ps26926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko der Handelsb\u00fccher je Risikoart dar, w\u00e4hrend f\u00fcr das Bankbuch das Gesamtrisiko dargestellt wird. Die strukturellen </span></div><div class=\"ps26927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalpositionen, die strukturellen Zinsrisiken sowie Spread-Risiken aus Anleiheb\u00fcchern, die als Liquidit\u00e4tspuffer gehalten </span></div><div class=\"ps26928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, dominieren den VaR des Konzerns. Das IFRS-P&amp;L-Modell zielt auf die Messung kurzfristiger Marktschwankungen ab, </span></div><div class=\"ps26929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00e4hrend das Modell ALL die Messung der strukturellen Zinsrisiken im Fokus hat. </span></div><div class=\"ps26930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die geopolitischen und wirtschaftlichen Ereignisse im Jahr 2025 beeinflussten die M\u00e4rkte und f\u00fchrten im Jahresverlauf zu </span></div><div class=\"ps26931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erh\u00f6hter Volatilit\u00e4t. Im Vergleich zum Jahresende 2024 erh\u00f6hte sich der Handelsbuch P&amp;L VaR (Modell IFRS-P&amp;L) haupts\u00e4chlich </span></div><div class=\"ps26932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Credit-Spread Risiko, gefolgt von geringeren Anstiegen im W\u00e4hrungs- und Aktienpreisrisiko. Der Gesamt-VaR (Modell IFRS-</span></div><div class=\"ps26933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">P&amp;L) sank im W\u00e4hrungsrisiko, wobei die Haupttreiber der russische Rubel und der US-Dollar waren, gleichzeitig stieg der Credit-</span></div><div class=\"ps26934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Spread VaR. Der Gesamt VaR (Modell ALL) blieb stabil, da die Sensitivit\u00e4tsrisiken im Jahresvergleich um weniger als 5 Prozent </span></div><div class=\"ps26935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schwankten. </span></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Modell IFRS-P&amp;L Handelsbuch VaR (99%, 1d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps26937 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26938\">Durchschnitts-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7756 ss1469\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-1dbd4d87 ps24187\">Minimum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps12856\">Maximum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26939 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16744\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16750 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16746\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26940 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26941 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26943 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26945 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26946 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26948 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26947\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26949\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Credit-Spread-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26950 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26951 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26952 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19181\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Aktienpreisrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26953 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26954 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26955 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19181\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26956 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps20350\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26957 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps20350\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26958 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-1dbd4d87 ps812\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26375 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps19285\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26376 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps20350\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26961 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Modell IFRS-P&amp;L Gesamt VaR (99%, 1d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps26937 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26938\">Durchschnitts-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7756 ss1469\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-1dbd4d87 ps24187\">Minimum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps12856\">Maximum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1112\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26939 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16744\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16750 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16746\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26940 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26941 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26943 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26947\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16752 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16751\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20394\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26945 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26946 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26948 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26947\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16755 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16756 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Credit-Spread-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26950 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26951 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26952 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26947\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26342 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21972\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23041 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26944\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Aktienpreisrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26953 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26954 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26955 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19181\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26346 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26347 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26350\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26956 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps21971\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26957 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps21971\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26958 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-1dbd4d87 ps26959\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26375 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26960\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26376 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps19272\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26994 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:24pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1470\"><div><div class=\"ps20846 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Modell ALL Gesamt VaR (99%, 20d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps26937 ss1471\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss1471\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps26938\">Durchschnitts-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7756 ss1472\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-3e64e966 ps24187\">Minimum-VaR</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16745 ss1471\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-3e64e966 ps12856\">Maximum-VaR</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss1471\"><div><div class=\"ps264 ss1111\"><span class=\"f charStyle-1dbd4d87 ps15882\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3782 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps26962 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16744\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps26963 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-1dbd4d87 ps16746\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18367 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00d6konomisches Kapital ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26965 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26964\">549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26966 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26964\">549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8734 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps20154\">481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26967 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps24051\">598<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26968 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps5680\">581<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18369 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-3e64e966 ps30\">Gesamt ALL (Risikokategorien)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18371 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26970 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26969\">538<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26971 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps22146\">543<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26973 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26972\">462<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26974 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26351\">604<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26975 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps24051\">589<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16097 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26976 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26393\">260<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26977 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps1225\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26978 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19994\">256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26980 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26979\">306<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26982 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26981\">230<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6384 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Credit-Spread-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26983 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps16489\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26984 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20551\">68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26986 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26985\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26987 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps26153\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26988 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps21623\">41<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4592 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch (99%, 20d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;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\"></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\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11822 ss1468\"><div><div class=\"ps31 ss1467\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiko im Bankbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26989 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20256\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26990 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps5967\">268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26991 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps21625\">250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26992 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20839\">295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26993 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps20842\">249<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps26995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die verwendeten Risikomessmethoden werden \u2013 neben qualitativen Analysen der Profitabilit\u00e4t \u2013 laufend durch Backtesting und </span></div><div class=\"ps26996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">statistische Validierungsverfahren \u00fcberwacht und, falls Modellierungsschw\u00e4chen festgestellt werden, adaptiert. </span></div><div class=\"ps26997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Berichtsjahr 2025 gab es eine hypothetische Backtesting-\u00dcberschreitung aufgrund erh\u00f6hter Marktvolatilit\u00e4t und starker </span></div><div class=\"ps26998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsbewegungen. Die folgende Grafik stellt den VaR den hypothetischen Gewinnen und Verlusten auf t\u00e4glicher Basis </span></div><div class=\"ps26999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber. Der VaR stellt den maximalen Verlust dar, der mit einem Konfidenzintervall von 99 Prozent binnen eines Tages nicht </span></div><div class=\"ps27000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberschritten wird. Er wird dem jeweiligen hypothetischen Gewinn oder Verlust gegen\u00fcbergestellt, der am darauffolgenden </span></div><div class=\"ps27001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tag aufgrund der dann tats\u00e4chlich eingetretenen Marktbewegungen eintreten w\u00fcrde.</span></div><div class=\"ps27002 ss0\"><div class=\"ps519\"><div class=\"ps12\"><img alt=\"7587\" id=\"i-24\" 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\" style=\"height:271.55pt;width:439.37pt\"/></div></div></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">W\u00e4hrungsrisiken und Kapital(quoten)-Hedge<span id=\"i6255d63f536c4d8787cc8fad0f843369\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Marktrisiko des Konzerns wird vorrangig vom W\u00e4hrungsrisiko, das aus dem in Fremdw\u00e4hrung gehaltenen Eigenkapital der </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausl\u00e4ndischen Konzerneinheiten resultiert, und den diesbez\u00fcglich vom Group Asset/Liability Committee gesteuerten </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherungsgesch\u00e4ften gepr\u00e4gt. Das W\u00e4hrungsrisiko im engeren Sinn ist als die Gefahr von Verlusten aufgrund offener </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Devisenpositionen definiert. W\u00e4hrungsschwankungen wirken sich dabei aber sowohl auf die laufend erzielten Ertr\u00e4ge als auch </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die anfallenden Kosten aus. Sie beeinflussen weiters das Eigenmittelerfordernis von Aktivpositionen in Fremdw\u00e4hrungen, </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">selbst wenn diese in derselben W\u00e4hrung refinanziert wurden und somit keine offene Devisenposition besteht.</span></div><div class=\"ps19097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern h\u00e4lt materielle Beteiligungen an Gesellschaften au\u00dferhalb des Euroraums, die ihr Eigenkapital in der jeweiligen </span></div><div class=\"ps19098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Lokalw\u00e4hrung halten. Ebenso ist ein wesentlicher Teil der Risikoaktiva des Konzerns nicht in Euro denominiert. </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wechselkursver\u00e4nderungen f\u00fchren daher sowohl zu Schwankungen des Eigenkapitals des Konzerns als auch zu Ver\u00e4nderungen </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Eigenmittelerfordernisses f\u00fcr das Kreditrisiko.</span></div><div class=\"ps13924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aus regulatorischer Sicht wurde durch die EZB f\u00fcr die Gruppe ein Waiver genehmigt, welcher erlaubt, die mit dem Marktrisiko in </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindung stehenden RWAs zu reduzieren. Voraussetzung daf\u00fcr ist, dass die Gruppe einer spezifischen Hedging-Strategie </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgt, die es erlaubt, die W\u00e4hrungsrisiken gegen potenzielle Schocks abzusichern.</span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um das W\u00e4hrungsrisiko abzusichern, wird in der RBI aktuell der Ansatz der konstanten Kapitalquote verfolgt. Ziel dieser </span></div><div class=\"ps26121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedging-Strategie ist es, Kernkapital und risikogewichtete Aktiva f\u00fcr jede W\u00e4hrung mit der gew\u00fcnschten Kernkapitalquote in </span></div><div class=\"ps16736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einklang zu bringen (d. h. Kapital\u00fcber- oder -unterdeckungen in jeder W\u00e4hrung im Verh\u00e4ltnis zu den risikogewichteten Aktiva zu </span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schlie\u00dfen), sodass die Kernkapitalquote bei W\u00e4hrungsschwankungen konstant bleibt. Der Konzern arbeitet im </span></div><div class=\"ps16738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungsrisikomanagement mit dem Ansatz der konstanten Kapitalquote. Bei Ver\u00e4nderungen der Wechselkurse kommt es </span></div><div class=\"ps16739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">daher zu absoluten Ver\u00e4nderungen im Eigenkapital, gleichzeitig \u00e4ndert sich aber auch das Kapitalerfordernis f\u00fcr Kreditrisiken </span></div><div class=\"ps26122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Aktiva in Fremdw\u00e4hrungen entsprechend. Das Management dieses Risikos erfolgt in den monatlich stattfindenden </span></div><div class=\"ps22508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sitzungen des Group Asset/Liability Committees anhand historischer Kursvolatilit\u00e4ten, Wechselkursprognosen und der </span></div><div class=\"ps22509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernkapitalquotensensitivit\u00e4t einzelner W\u00e4hrungen.</span></div><div class=\"ps24618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Folgenden sind die wesentlichen offenen W\u00e4hrungspositionen per 31. Dezember 2025 und die entsprechenden </span></div><div class=\"ps24619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichswerte des Vorjahres angef\u00fchrt. Die Betr\u00e4ge beinhalten sowohl Handelspositionen als auch die Kapitalpositionen der </span></div><div class=\"ps26123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Fremdw\u00e4hrung bilanzierenden Tochterunternehmen (Short-Positionen werden mit negativem und Long-Positionen mit </span></div><div class=\"ps26124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">positivem Vorzeichen dargestellt). Aufgrund des Verkaufs der belarusisschen Konzerneinheiten wurde die Devisenposition in </span></div><div class=\"ps22514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Belarus-Rubel geschlossen, was zu einer Verringerung der Sensitivit\u00e4t f\u00fchrte. </span></div><div class=\"ps26125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund einer Positions\u00e4nderung zu Absicherungszwecken verzeichnete die Sensitivit\u00e4t in tschechischen Kronen, ungarischen </span></div><div class=\"ps27004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forint und rum\u00e4nischen Leu einen Anstieg. </span></div><div class=\"ps27007 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20424\">99<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">BAM<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps3329\">344<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19287\">51<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">BYN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19273\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24310\">-392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps27005\">-381<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21607\">493<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19277\">-31<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20785\">275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps796\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20740\">-10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24195\">610<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26371\">333<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22230\">623<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20421\">652<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17356\">2.094<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21601\">2.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps5673\">-106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps27006\">-144<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-642<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps864 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20105\">-492<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zinsrisiken im Handelsbuch<span id=\"i388a78ffc5d64f798315de1575d932c2\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gr\u00f6\u00dften Barwertver\u00e4nderungen des Handelsbuchs des Konzerns bei einer parallelen Zinserh\u00f6hung um 1 Basispunkt in \u20ac </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend. Die gezeigten Sensitivit\u00e4ten des Handelsbuchs werden als Gesamtposition der einzelnen Knoten berechnet, ohne </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der Positionen des Bankbuchs. </span></div><div class=\"ps27133 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss634\"><div><div class=\"ps1485 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1475\"><div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27021 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27022 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27023 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27025 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13416 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27027 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27028 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27029 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24868 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27030 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27031 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27033 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27034 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13424 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27035 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27036 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10364\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27037 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27038 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27040 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27041 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27042 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23846 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27043 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27044 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9379\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27046 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27048 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27049 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8145\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27050 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27051 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11932\">444<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27052 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2014\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27053 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9428\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27056 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8144\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27057 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps22274\">-47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11405\">205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23854 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27059 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27058\">281<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27060 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5226\">25<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10806\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27061 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27062 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27064 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27065 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23859 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27066 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27067 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">NOK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27068 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27069 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27071 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27072 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27073 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23863 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27074 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24896 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27076 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27077 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27079 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27080 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23868 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27081 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27082 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27083 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27084 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1597\">25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27085 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27086 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27088 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27089 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23872 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27090 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27091 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27092 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27093 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6299\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27094 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27097 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27098 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23876 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27099 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27100 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27101 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9379\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27103 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27104 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27106 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10491\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27107 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23881 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27109 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27110 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8649\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27113 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27114 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27115 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9428\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27116 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27117 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27118 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27119 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11171\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23885 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27120 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27122 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10654\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27124 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27125 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10523 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5373\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27127 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27128 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27129 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23888 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27130 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27131 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27132 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung der W\u00e4hrungen hat sich im Jahresvergleich abh\u00e4ngig vom Absolutwert der Zinssensitivit\u00e4t ver\u00e4ndert.</span></div><div class=\"ps27141 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss634\"><div><div class=\"ps1485 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1475\"><div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27021 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10430\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27022 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27023 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27025 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27135\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13416 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27027 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27028 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27029 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24868 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18600\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27030 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27031 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27033 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27034 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13424 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27035 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27036 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27037 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27038 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27040 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27041 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27042 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23846 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27043 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27044 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13568\">-129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27046 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27048 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27049 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5285\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27136\">-88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27050 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27137\">-83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27051 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21115\">272<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27052 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27053 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5370\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27056 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27057 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1152\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23854 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5218\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27059 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27138\">138<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5285\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27060 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps20970\">-73<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27061 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27062 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27064 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1676\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27065 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23859 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps3298\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27066 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27067 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">NOK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27068 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27069 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27071 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27072 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27073 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23863 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27074 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24896 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10443\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27076 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27077 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27079 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27080 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23868 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27081 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27082 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27083 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27084 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7134\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27085 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27086 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27088 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27139\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27089 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23872 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10460\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27090 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27091 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27092 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27093 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10698\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27094 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27097 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27098 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23876 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27099 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27100 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27101 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps26177\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27103 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27104 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27106 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27107 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23881 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27109 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27110 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6452\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27113 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps18081\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27114 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27115 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27135\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27116 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12853\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27117 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27118 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27119 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23885 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27120 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27122 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6194\">76<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27124 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27125 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10523 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27127 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11249\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27128 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5285\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27129 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps18081\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23888 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps24188\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27130 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27131 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27132 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zinsrisiken im Bankbuch<span id=\"i1ce0dacec46c46248815d2be451f096c\"></span></span></div><div class=\"ps27143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedliche Laufzeiten und Zinsanpassungskonditionen der angebotenen Produkte f\u00fchren gemeinsam mit der </span></div><div class=\"ps27144 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Refinanzierung durch Kundeneinlagen sowie \u00fcber die Geld- und Kapitalm\u00e4rkte im Konzern zu Zins\u00e4nderungsrisiken. Diese </span></div><div class=\"ps27145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entstehen vorwiegend durch den nicht vollst\u00e4ndigen Ausgleich der Zinssensitivit\u00e4t von erwarteten Zahlungen, deren </span></div><div class=\"ps27146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsanpassungsrhythmen und anderer optionaler Ausstattungsmerkmale. Zinsrisiken im Bankbuch bestehen dabei in den </span></div><div class=\"ps27147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hauptw\u00e4hrungen Euro und US-Dollar sowie in den lokalen W\u00e4hrungen der Konzerngesellschaften in Zentral- und Osteuropa.</span></div><div class=\"ps27148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses Risiko wird grunds\u00e4tzlich durch eine Kombination von bilanziellen und au\u00dferbilanziellen Gesch\u00e4ften abgesichert, wobei </span></div><div class=\"ps27149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorwiegend Zinsswaps und \u2013 in geringerem Ausma\u00df \u2013 Zinstermingesch\u00e4fte und Zinsoptionen zum Einsatz kommen. Das </span></div><div class=\"ps27150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzstrukturmanagement ist eine Kernaufgabe sowohl des zentralen Bereichs Global Treasury als auch der lokalen Banken, </span></div><div class=\"ps27151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die vom Group Asset/Liability Committee unterst\u00fctzt werden. Sie st\u00fctzen sich dabei auf Szenarien und Analysen zur Simulation </span></div><div class=\"ps27152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Zinsertrags, um eine optimale Positionierung im Einklang mit der Zinsmeinung und im Rahmen des Risikoappetits zu </span></div><div class=\"ps27153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten.</span></div><div class=\"ps27154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Quantifizierung des Zins\u00e4nderungsrisikos im Bankbuch kommen neben der Value-at-Risk-Berechnung auch klassische </span></div><div class=\"ps27155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Methoden der Kapital- und Zinsbindungsanalyse zur Anwendung. F\u00fcr das Zins\u00e4nderungsrisiko im Rahmen der Zinsrisikostatistik </span></div><div class=\"ps27156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besteht ein quartalsweises Berichtswesen an die Aufsichtsbeh\u00f6rde, dass entsprechend den Erfordernissen der CRR-Richtlinien </span></div><div class=\"ps27157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch eine Barwertver\u00e4nderung in Prozent der Eigenmittel beinhaltet. Notwendige Schl\u00fcsselannahmen f\u00fcr Fristigkeiten werden </span></div><div class=\"ps27158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dabei im Einklang mit regulatorischen Vorgaben und aufgrund interner Statistiken und Erfahrungswerte getroffen. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Barwertver\u00e4nderung des Bankbuchs des Konzerns bei einer parallelen Zinserh\u00f6hung um 1 Basispunkt in \u20ac Tausend:</span></div><div class=\"ps7104 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss634\"><div><div class=\"ps1485 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1475\"><div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27021 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27022 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27023 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11077\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27025 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9428\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13416 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27159\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27027 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27028 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27029 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24868 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27030 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27031 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27033 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27034 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13424 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27035 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27036 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27037 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27038 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27040 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27041 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27042 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23846 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27043 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27044 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12491\">-595<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5292\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27046 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps23743\">-46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps550\">-255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27048 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27160\">-126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27049 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27161\">-117<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps6737\">127<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27162\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27050 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2096\">-118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27051 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11418\">-2.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27052 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5218\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27053 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27161\">-117<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7107\">-85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27163\">-224<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27056 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27164\">-190<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27057 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27165\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27166\">-323<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23854 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps24353\">-616<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27059 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27167\">-633<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27163\">-253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27060 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1644\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27061 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27062 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27064 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27065 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23859 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27066 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27067 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17801\">-335<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27068 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27069 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11077\">-41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27071 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27072 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27073 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23863 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27168\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27074 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24896 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27076 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27077 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27079 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27080 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23868 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27081 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27082 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27083 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27084 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13224\">-391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27085 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8145\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27086 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11077\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27169\">-111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27088 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27170\">-105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27089 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27160\">-219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7098\">-36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23872 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2038\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27090 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27091 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27092 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27093 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21188\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27094 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11491\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27097 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27098 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps18081\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23876 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27099 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27100 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27101 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21191\">-230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27103 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27171\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27104 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2014\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27106 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27172\">-114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27107 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27137\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10460\">57<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21209\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23881 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7097\">-54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27109 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps23743\">-46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27110 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">SGD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27113 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27114 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27115 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27116 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27117 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27118 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27119 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23885 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27120 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27122 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27124 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27125 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10523 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27127 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25828\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27128 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8145\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27129 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23888 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27130 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27131 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27132 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27173 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1447\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27174 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2051\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27175 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27176 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27177 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27178 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27179 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27180 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27181 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27182 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27183 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27184 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27185 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12908\">-77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27186 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27187 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3904 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27189 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9428\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27190 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21209\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27191 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7097\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27192 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2020\">-37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27193 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27171\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27194 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27195 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27196 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Darstellung der W\u00e4hrungen hat sich im Jahresvergleich abh\u00e4ngig vom Absolutwert der Zinssensitivit\u00e4t ver\u00e4ndert.</span></div><div class=\"ps27203 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss634\"><div><div class=\"ps1485 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1475\"><div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1475\"><div><div class=\"ps1485 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27021 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27022 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27023 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27025 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27135\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13416 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27027 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27028 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2008 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27029 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24868 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8905\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27030 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27031 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3893 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27033 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27034 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13424 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27035 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2026 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27036 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12263 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10364\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27037 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27038 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27040 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27041 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27042 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23846 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27043 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27044 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24875 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps26775\">-973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27045 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25057\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27046 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27162\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13148 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps19298\">-348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27048 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps6360\">-155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27049 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1878\">-209<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5285\">47<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27197\">-65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27050 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11115\">-201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11491\">-50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27051 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24880 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21203\">-1636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27052 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27171\">145<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27053 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27139\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1152\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24373 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps24352\">-174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27056 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27170\">-150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27057 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13073\">-213<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27198\">-415<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23854 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27059 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27199\">-530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27200\">-356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27060 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24885 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27061 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27062 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24378 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27064 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27065 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23859 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27066 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27067 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24891 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps26442\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27068 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27069 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27138\">-29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24385 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2014\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27071 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7097\">-45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27072 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27073 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27139\">-53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23863 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps534\">-68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27074 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27075 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24896 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8719\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27076 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27077 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24393 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27079 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27080 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23868 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27081 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27082 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27083 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27084 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13521\">-249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27085 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27086 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8144\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10506 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27088 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27139\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27089 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27201\">-178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23872 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10959\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27090 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27091 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27092 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RSD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27093 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7194\">74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27094 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27095 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26217 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27097 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps6976\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27098 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25057\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23876 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps3132\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27099 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27100 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27101 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13272\">-207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27103 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27162\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27104 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27106 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27202\">-128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27107 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25828\">-71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5373\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23881 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27162\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27109 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11413\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27110 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27111 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">SGD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27112 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27113 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27114 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27115 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27116 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27117 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27118 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27119 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23885 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27120 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27122 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27123 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10430\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27124 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27125 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps9415\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10523 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27127 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27128 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8144\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27129 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23888 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27130 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27131 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27132 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27173 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10738\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27174 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27159\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27175 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27176 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27177 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1160\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27178 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27179 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27180 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11077\">-14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27181 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27182 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27183 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27184 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27185 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17977\">-93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27186 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27187 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3904 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27189 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27190 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27191 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps6739\">-44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27192 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27171\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27193 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27194 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27195 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27204 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Credit-Spread-Risiken<span id=\"ia59f3a89e1d24816af30386dc4f0cc5b\"></span></span></div><div class=\"ps27205 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Marktrisiko-Steuerungssystem ber\u00fccksichtigt zeitabh\u00e4ngige Anleihe- und CDS-Spread-Kurven als Risikofaktoren f\u00fcr die </span></div><div class=\"ps27206 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermittlung von Credit-Spread-Risiken. Umfasst sind alle Kapitalmarktinstrumente des Handels- und des Bankbuchs.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-541": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(43) Liquidit\u00e4tsmanagement<span id=\"i24a003520b434a718194c91f3f872fae\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Trotz andauernder geopolitischer Risiken blieb die Liquidit\u00e4tsposition im Gesch\u00e4ftsjahr stabil. </span></div><div class=\"ps27208 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das ILAAP-Rahmenwerk und die Governance erwiesen sich erneut als solide und funktionieren auch in Krisenzeiten. Die t\u00e4gliche </span></div><div class=\"ps2174 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcberwachung der Liquidit\u00e4tsposition mit Hilfe von dynamischen Dashboards zeigte, dass Infrastruktur und \u00dcberwachung </span></div><div class=\"ps2179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">effektiv sind und schnelle Reaktionen in Krisenzeiten unterst\u00fctzen.<span class=\"f ps24\"> </span></span></div><div class=\"ps27209 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Funding-Struktur<span id=\"i65ec2af0637440a8a30239f61dc532b4\"></span></span></div><div class=\"ps27210 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Funding-Struktur des Konzerns basiert auf einer starken Ausrichtung auf das Retail-Gesch\u00e4ft in Zentral- und Osteuropa. </span></div><div class=\"ps27211 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus profitiert der Konzern aufgrund der starken Pr\u00e4senz der \u00f6sterreichischen Raiffeisengruppe im lokalen Markt </span></div><div class=\"ps27212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch vom Funding durch die Raiffeisen Landesbanken. Gem\u00e4\u00df dem Prinzip der Diversifikation werden verschiedene </span></div><div class=\"ps27213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsquellen erschlossen. Diese umfassen die Ausgabe von internationalen Anleihen durch die RBI AG, die Ausgabe von </span></div><div class=\"ps27214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lokalen Anleihen durch die Konzerneinheiten sowie die Nutzung von Finanzierungsdarlehen von Dritten (inklusive <span class=\"f ps24\"> </span></span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">supranationaler Institutionen). Die Konzerneinheiten nutzen auch Kredite mit Drittbanken, teils aufgrund knapper L\u00e4nderlimits </span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und teils aufgrund vorteilhafter Preisgestaltung.</span></div><div class=\"ps27238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Grunds\u00e4tze<span id=\"i8dedb9b0a6464defa26798a5453160c4\"></span></span></div><div class=\"ps27239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das interne Liquidit\u00e4tsmanagement stellt einen wesentlichen Gesch\u00e4ftsprozess innerhalb der allgemeinen Banksteuerung dar, </span></div><div class=\"ps27240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">da es die kontinuierliche Verf\u00fcgbarkeit von Mitteln sicherstellt, die zur Deckung von Forderungen im Tagesgesch\u00e4ft ben\u00f6tigt </span></div><div class=\"ps27241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden.</span></div><div class=\"ps27242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Liquidit\u00e4ts-Ad\u00e4quanz wird sowohl aus \u00f6konomischer als auch aus regulatorischer Sicht gew\u00e4hrleistet. Im Hinblick auf die </span></div><div class=\"ps27243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6konomische Dimension hat der Konzern ein Governance-Rahmenwerk festgelegt, das interne Grenzwerte und </span></div><div class=\"ps27244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerungsma\u00dfnahmen umfasst und den vom Baseler Ausschuss f\u00fcr Bankenaufsicht festgelegten Grunds\u00e4tzen f\u00fcr eine solide </span></div><div class=\"ps27245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung und \u00dcberwachung des Liquidit\u00e4tsrisikos (Principles for Sound Liquidity Risk Management and Supervision) sowie der </span></div><div class=\"ps27246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von der \u00f6sterreichischen Regulierungsbeh\u00f6rde ausgegebenen Kreditinstitute-Risikomanagementverordnung (KI-RMV) folgt.</span></div><div class=\"ps27247 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die regulatorische Komponente wird sowohl durch die Einhaltung der Berichterstattungsanforderungen im Rahmen von Basel III <span class=\"f ps24\"> </span></span></div><div class=\"ps27248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Mindestliquidit\u00e4tsquote bzw. Liquidity Coverage Ratio, strukturelle Liquidit\u00e4tsquote bzw. Net Stable Funding Ratio sowie </span></div><div class=\"ps27249 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Kennzahlen zur Liquidit\u00e4ts\u00fcberwachung bzw. Additional Liquidity Monitoring Metrics) als auch durch die Einhaltung </span></div><div class=\"ps27250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der regulatorischen Grenzwerte abgedeckt. Dar\u00fcber hinaus gelten f\u00fcr einige Einheiten des Konzerns zus\u00e4tzliche, von den </span></div><div class=\"ps27251 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lokalen Aufsichtsbeh\u00f6rden festgelegte Liquidit\u00e4ts- und Berichterstattungsanforderungen.</span></div><div class=\"ps27252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Organisation und Verantwortung<span id=\"i388e1d2151f1463e9a85682bd8bc54b7\"></span></span></div><div class=\"ps27253 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verantwortung zur Gew\u00e4hrleistung einer angemessenen Liquidit\u00e4tsausstattung obliegt dem gesamten Vorstand. In dieser </span></div><div class=\"ps27254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Funktion verantwortlich sind der Chief Financial Officer (Treasury) und der Chief Risk Officer (Risk Controlling). Entsprechend </span></div><div class=\"ps27255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden die Prozesse im Hinblick auf das Liquidit\u00e4tsrisiko im Wesentlichen von zwei Bereichen innerhalb der Bank ausgef\u00fchrt. </span></div><div class=\"ps27256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einerseits steuern Treasury-Einheiten die Liquidit\u00e4tsrisikopositionen innerhalb der von Entscheidungsgremien festgelegten </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strategie, Richtlinie und Parameter, andererseits werden diese von unabh\u00e4ngigen Einheiten des Bereichs Risk Controlling </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberwacht und unterst\u00fctzt. Die Risikoeinheiten messen und modellieren Liquidit\u00e4tsrisikopositionen, legen Limits fest und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kontrollieren deren Einhaltung.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Neben den beschriebenen Linienfunktionen bestehen in allen Konzerneinheiten Aktiv-/Passiv-Managementkomitees (Asset/</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liability Committees, ALCOs). Diese Komitees fungieren als Entscheidungsgremien im Hinblick auf alle Angelegenheiten, die sich </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf das Management der Liquidit\u00e4tsposition und der Bilanzstruktur einer Einheit auswirken, einschlie\u00dflich der Festlegung von </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strategien und Richtlinien zur Behandlung von Liquidit\u00e4tsrisiken. Die ALCOs f\u00e4llen Entscheidungen und berichten den jeweiligen </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorst\u00e4nden zumindest monatlich mittels standardisierter Liquidit\u00e4tsrisikoberichte. Auf Konzernebene \u00fcbernimmt diese </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Funktion das Gruppen-ALCO. Die T\u00e4tigkeiten von Treasury und die entsprechenden ALCO-Entscheidungen gr\u00fcnden sich </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haupts\u00e4chlich auf konzernweite, standardisierte Gruppenvorgaben und ihre lokalen Erg\u00e4nzungen, die regionale Besonderheiten </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigen.</span></div><div class=\"ps24921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4tsstrategie<span id=\"i64c9b6acbe9e429dbeee5987179656c9\"></span></span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Treasury ist zur Einhaltung bestimmter Performance-Kennzahlen und risikobasierter Grunds\u00e4tze verpflichtet. Die aktuellen </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Performance-Kennzahlen umfassen allgemeine Ziele, z. B. f\u00fcr die Rendite auf das risikoadjustierte Kapital (Return on Risk-</span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Adjusted Capital, RORAC) oder Deckungsbeitr\u00e4ge. Dazu kommen spezifische Treasury-Ziele zur Liquidit\u00e4t wie eine </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mindest\u00fcberlebensdauer in definierten Stress-Szenarien oder Mindestliquidit\u00e4tsziele in regulatorischen Kennzahlen. Neben der </span></div><div class=\"ps19042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erwirtschaftung eines Strukturbeitrags mittels Fristentransformation, die das von der Bank eingegangene Liquidit\u00e4ts- und </span></div><div class=\"ps19043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko widerspiegelt, hat Treasury bei der Bilanzsteuerung eine umsichtige und nachhaltige Risikopolitik zu verfolgen. Zu </span></div><div class=\"ps19044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den strategischen Zielen z\u00e4hlen eine Verringerung des Fundings der Muttergesellschaft an die Konzernt\u00f6chter, eine nachhaltige </span></div><div class=\"ps19047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung der Einlegerbasis und des Kreditwachstums sowie eine durchgehende Einhaltung der regulatorischen Anforderungen </span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und der internen Vorgaben und Limits.</span></div><div class=\"ps27257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidity Risk Framework<span id=\"i18e62f56ba0440939226f6ea9ee19b63\"></span></span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auf Grundlage bestimmter Modellannahmen werden regulatorische und interne Liquidit\u00e4tsberichte und -quoten erstellt und </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt. W\u00e4hrend die regulatorischen Berichte gem\u00e4\u00df den Vorgaben der Beh\u00f6rden erstellt werden, gr\u00fcnden sich die internen </span></div><div class=\"ps27258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichte auf Annahmen anhand empirischer Beobachtungen.</span></div><div class=\"ps26906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Konzern verf\u00fcgt \u00fcber eine solide Datenbasis sowie Expertenwissen zur Vorhersage von Kapitalfl\u00fcssen, die sich aus allen </span></div><div class=\"ps26907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Bilanzposten und au\u00dferbilanziellen Positionen ergeben. Die Modellierung von Liquidit\u00e4tszu- und -abfl\u00fcssen erfolgt </span></div><div class=\"ps26908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in einer angemessen detaillierten Art und Weise, wobei zumindest zwischen Produkten, Kundensegmenten sowie </span></div><div class=\"ps26909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegebenenfalls W\u00e4hrungen unterschieden wird. In die Modellierung der Retail- und Firmenkunden-Einlagen flie\u00dfen Annahmen </span></div><div class=\"ps26910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bez\u00fcglich der Verweildauer der Einlagen nach Laufzeitende ein. Die Modellannahmen sind umsichtig, so dass beispielsweise </span></div><div class=\"ps26911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht von einem Rollover der Einlagen von Finanzinstituten ausgegangen wird und alle Finanzierungskan\u00e4le sowie der </span></div><div class=\"ps26912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tspuffer gleichzeitig gestresst werden.</span></div><div class=\"ps27259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Eckpfeiler des internen Liquidity Risk Frameworks sind das Going-Concern- (GC) und das Time-to-Wall-Szenario (TTW). Der </span></div><div class=\"ps27260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Going-Concern-Bericht weist die strukturelle Liquidit\u00e4tsposition aus und deckt dabei alle wesentlichen Risikotreiber ab, die den </span></div><div class=\"ps27261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern in einem normalen Gesch\u00e4ftsumfeld (Business as Usual) belasten k\u00f6nnten. Die Going-Concern-Modelle sind wichtige </span></div><div class=\"ps27262 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Input-Faktoren f\u00fcr den Kostenbeitrag f\u00fcr den Transfer von Mitteln innerhalb der Bank (Funds Transfer Pricing Model). Der Time-</span></div><div class=\"ps27263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">to-Wall-Bericht wiederum zeigt die \u00dcberlebensdauer unter bestimmten nachteiligen Szenarien und Stressannahmen (Markt-, </span></div><div class=\"ps27264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Namens- und kombinierte Krise) auf und legt die Mindesth\u00f6he des Liquidit\u00e4tspuffers (bzw. der Ausgleichskapazit\u00e4t) des </span></div><div class=\"ps27265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns und seiner einzelnen Einheiten fest. </span></div><div class=\"ps27266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Modellierung der Liquidit\u00e4ts-Szenarien erfolgt mittels einer gruppenweiten Methodik, die lokale Spezifika ber\u00fccksichtigt, </span></div><div class=\"ps27267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sofern diese durch Einflussfaktoren wie das Markt- oder das rechtliche Umfeld oder bestimmte Gesch\u00e4ftsmerkmale </span></div><div class=\"ps27268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gerechtfertigt sind; die Berechnung erfolgt in der RBI AG. Bei der Modellierung von Liquidit\u00e4tszu- und -abfl\u00fcssen wird zumindest </span></div><div class=\"ps27269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischen Produkten, Kundensegmenten sowie gegebenenfalls zwischen einzelnen W\u00e4hrungen unterschieden. F\u00fcr Produkte </span></div><div class=\"ps27270 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ohne vertragliche Laufzeit wird die Verteilung der Liquidit\u00e4tszu- und -abfl\u00fcsse unter Verwendung einer geometrischen </span></div><div class=\"ps27271 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Brown'schen Bewegung ermittelt, die statistische Prognosen zu den zuk\u00fcnftigen Tagessalden von der beobachteten und </span></div><div class=\"ps27272 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">exponentiell gewichteten historischen Volatilit\u00e4t der entsprechenden Produkte ableitet. F\u00fcr das Szenario einer Marktkrise ist ein </span></div><div class=\"ps27273 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezielles Modell zur Bewertung des potenziellen Liquidit\u00e4tsabflusses aufgrund von Margin Calls vorhanden. Dieses Modell </span></div><div class=\"ps27274 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basiert auf Value-at-Risk-Berechnungen, um den potenziellen Wertverlust von Derivaten, f\u00fcr welche CSA- oder Variation-</span></div><div class=\"ps27275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Margin-Vereinbarungen vorhanden sind, abzusch\u00e4tzen. Durch die Einbeziehung dieses Abflusses in den </span></div><div class=\"ps27276 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisikostresstest wird ein entsprechender Puffer aufrechterhalten, um potenzielle Margin Calls in extrem ung\u00fcnstigen </span></div><div class=\"ps27277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Situationen zu ber\u00fccksichtigen.</span></div><div class=\"ps23993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Liquidit\u00e4tsrisiko-Rahmenwerk wird sowohl auf Konzernebene als auch auf Ebene der einzelnen Einheiten kontinuierlich </span></div><div class=\"ps27278 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiterentwickelt. In mehreren konzernweiten Projekten werden die technische Infrastruktur weiter ausgebaut und die </span></div><div class=\"ps27279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datenverf\u00fcgbarkeit verbessert, um den steigenden regulatorischen und bankinternen Berichterstattungs- und </span></div><div class=\"ps27280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Managementanforderungen in diesem Risikobereich gerecht zu werden.</span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Risikoappetit und Liquidit\u00e4tslimits<span id=\"i5576bf63a7d643f9925ab02ff51b78ba\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Liquidit\u00e4tsposition wird auf Konzernebene und auf Ebene der einzelnen Einheiten \u00fcberwacht und durch ein umfassendes </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limitsystem eingegrenzt. Die Limits werden sowohl im Hinblick auf ein regul\u00e4res Gesch\u00e4ftsumfeld als auch f\u00fcr Stress-Szenarien </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgelegt. Entsprechend dem definierten Risikoappetit muss jede Konzerneinheit in einem schweren, kombinierten Stress-</span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenario (Namens- und Marktstress) eine \u00dcberlebensdauer von einigen Monaten (TTW) aufweisen. Dies l\u00e4sst sich entweder </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch ein strukturell positives Liquidit\u00e4tsprofil oder einen ausreichend hohen Liquidit\u00e4tspuffer gew\u00e4hrleisten. In einem </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regul\u00e4ren Gesch\u00e4ftsumfeld (GC) muss die Fristentransformation auf mittlere Sicht vollst\u00e4ndig vom verf\u00fcgbaren </span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tspuffer abgedeckt werden. Das hei\u00dft, dass die kumulierte Liquidit\u00e4tsposition \u00fcber einen Zeitraum von bis zu einem </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr positiv sein muss. Auf lange Sicht (ein Jahr und l\u00e4nger) ist die Fristentransformation bis zu einem gewissen Grad gestattet. </span></div><div class=\"ps25049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Grenzwerte der internen Modelle werden durch Limits zur Einhaltung regulatorischer Liquidit\u00e4tsquoten, z. B. die </span></div><div class=\"ps27283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsdeckungsquote (Liquidity Coverage Ratio, LCR), erg\u00e4nzt. Alle Grenzwerte m\u00fcssen t\u00e4glich eingehalten werden.</span></div><div class=\"ps27284 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4ts\u00fcberwachung<span id=\"i7615de8db4e149feaea21ed76540455c\"></span></span></div><div class=\"ps26148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bank verwendet eine Reihe ma\u00dfgeschneiderter Messinstrumente und Fr\u00fchwarnindikatoren, die dem Vorstand und der </span></div><div class=\"ps26149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensf\u00fchrung zeitnahe und vorausschauende Informationen zur Verf\u00fcgung stellen. Die Einhaltung des </span></div><div class=\"ps26150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisiko-Rahmenwerks stellt sicher, dass die Bank ihre Gesch\u00e4ftst\u00e4tigkeit auch unter gro\u00dfem Stress fortf\u00fchren kann.</span></div><div class=\"ps19108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die \u00dcberwachung und die Berichterstattung zur Einhaltung der Limits erfolgt regelm\u00e4\u00dfig und effektiv. Jeder Versto\u00df seitens </span></div><div class=\"ps19109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzerneinheiten wird an das Konzern-ALCO berichtet und eskaliert, wo in Absprache mit der betreffenden Einheit </span></div><div class=\"ps19110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessene Schritte unternommen oder strittige Angelegenheiten weiter an die verantwortliche h\u00f6here Instanz eskaliert </span></div><div class=\"ps19111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden.</span></div><div class=\"ps27285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4tsstresstest<span id=\"i895e4a6923c148d8a9fdbd59d6e74488\"></span></span></div><div class=\"ps27286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stresstests werden t\u00e4glich f\u00fcr die RBI AG und die Tochterbanken sowie auf Konzernebene durchgef\u00fchrt. Die Tests decken drei </span></div><div class=\"ps27287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien (Markt-, Namens- und kombinierte Krise) ab, ber\u00fccksichtigen die Auswirkungen der Szenarien f\u00fcr einen Zeitraum von </span></div><div class=\"ps27288 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehreren Monaten und verdeutlichen, dass Stressereignisse gleichzeitig zu zeitkritischem Liquidit\u00e4tsbedarf in mehreren </span></div><div class=\"ps19116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungen f\u00fchren k\u00f6nnen. Die Stress-Szenarien beziehen die wesentlichen Funding- und Marktliquidit\u00e4tsrisiken ein. Dies </span></div><div class=\"ps19117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bedeutet, dass alle Netzwerkeinheiten in den Stresstests des Konzerns einzeln einer ausgepr\u00e4gten kombinierten Krise f\u00fcr all </span></div><div class=\"ps19118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihre wesentlichen Produkte gleichzeitig unterzogen werden. Die Ergebnisse der Stresstests werden den Risiko- sowie </span></div><div class=\"ps19119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzvorst\u00e4nden und anderen Mitgliedern der Unternehmensf\u00fchrung w\u00f6chentlich gemeldet, stellen einen wesentlichen </span></div><div class=\"ps19124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestandteil der monatlichen ALCO-Sitzungen dar und flie\u00dfen in die strategische Planung sowie die Notfallplanung der RBI ein.</span></div><div class=\"ps27289 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Festlegung von Abflussquoten, die auf historischen Daten und Expertenmeinungen basieren, wird ein konservativer </span></div><div class=\"ps27290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ansatz verfolgt: Die Simulation geht von fehlendem Zugang zum Geld- oder Kapitalmarkt sowie gleichzeitig von erheblichen </span></div><div class=\"ps27291 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abfl\u00fcssen von Kundeneinlagen aus. In dieser Hinsicht wird auch das Einlagenkonzentrationsrisiko ber\u00fccksichtigt, indem </span></div><div class=\"ps27292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gro\u00dfkunden sogar noch h\u00f6here Abflussquoten zugewiesen werden. Dar\u00fcber hinaus werden Stressannahmen f\u00fcr die </span></div><div class=\"ps4740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inanspruchnahme von Garantien und Kreditverbindlichkeiten formuliert. Des Weiteren werden die Liquidit\u00e4tspufferpositionen </span></div><div class=\"ps4741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch Haircuts angepasst, um das Risiko nachteiliger Marktbewegungen abzudecken, und die potenziellen Abfl\u00fcsse infolge </span></div><div class=\"ps4742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besicherter derivativer Gesch\u00e4fte gesch\u00e4tzt. Die Bank kontrolliert kontinuierlich, ob die formulierten Stressannahmen nach wie </span></div><div class=\"ps27293 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor angemessen sind oder ob neue Risiken ber\u00fccksichtigt werden m\u00fcssen.</span></div><div class=\"ps4744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Time-to-Wall-Konzept hat sich als Hauptsteuerungsinstrument f\u00fcr das t\u00e4gliche Liquidit\u00e4tsmanagement etabliert und ist </span></div><div class=\"ps4745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">daher zentraler Bestandteil der Funding-Planung und der Budgetierung. Des Weiteren ist es f\u00fcr die Festlegung von </span></div><div class=\"ps4746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Performance-Kennzahlen im Hinblick auf die Liquidit\u00e4t wesentlich.</span></div><div class=\"ps27294 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4tspuffer<span id=\"i0a3e897e1cad481aa51f319ebb2a928a\"></span></span></div><div class=\"ps27295 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wie die t\u00e4glichen Liquidit\u00e4tsrisikoberichte aufzeigen, unterhalten und verwalten die wesentlichen Konzerneinheiten aktiv </span></div><div class=\"ps27296 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tspuffer, einschlie\u00dflich erstklassiger liquider Aktiva (High Quality Liquid Assets, HQLA), die stets umfangreich genug </span></div><div class=\"ps27297 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind, um die in Krisenszenarien erwarteten Nettoabfl\u00fcsse abzudecken. Der Konzern verf\u00fcgt \u00fcber umfangreiche unbelastete und </span></div><div class=\"ps27298 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">liquide Wertpapierbest\u00e4nde und bevorzugt f\u00fcr Tender-Transaktionen der Zentralbank in Frage kommende Papiere, um </span></div><div class=\"ps27299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausreichend Liquidit\u00e4t in verschiedenen W\u00e4hrungen zu gew\u00e4hrleisten. Die wesentlichen Konzerneinheiten stellen die </span></div><div class=\"ps27300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgbarkeit von Liquidit\u00e4tspuffern sicher, testen ihre F\u00e4higkeit, Zentralbankmittel in Anspruch zu nehmen, bewerten </span></div><div class=\"ps27301 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchgehend ihre Sicherheitenpositionen im Hinblick auf deren Marktwert und Belastung und pr\u00fcfen ihre \u00fcbrigen </span></div><div class=\"ps27302 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenma\u00dfnahmen, einschlie\u00dflich ihres Funding-Potenzials und der Liquidierbarkeit ihrer Assets.</span></div><div class=\"ps27303 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stressannahmen werden auf alle Positionen im Liquidit\u00e4tspuffer angewendet. Dies spiegelt sich im Stresstest-</span></div><div class=\"ps27304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsbericht (Time-to-Wall) wider und umfasst sowohl einen Abschlag der Zentralbank als auch eine spezielle </span></div><div class=\"ps27305 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschreibungsannahme. Der Abschlag der Zentralbank wird f\u00fcr jedes einzelne als Sicherheit zul\u00e4ssige Wertpapier </span></div><div class=\"ps27306 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt. Die Abschreibungsannahme wird f\u00fcr das Portfolio der zul\u00e4ssigen Wertpapiere basierend auf historischen </span></div><div class=\"ps27307 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktindikatoren modelliert und verringert das Volumen des Liquidit\u00e4tspuffers im Stresstest-Szenario.</span></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Untert\u00e4giges Liquidit\u00e4tsmanagement<span id=\"if0bdd5157dac4f90801e3760659f4ed8\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Einklang mit regulatorischen Vorgaben f\u00fcr untert\u00e4giges Liquidit\u00e4tsrisikomanagement wird t\u00e4glich die verf\u00fcgbare Liquidit\u00e4t </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">analog zu den Abfluss-Annahmen des regul\u00e4ren Liquidit\u00e4tsstressberichts (Time-To-Wall) f\u00fcr die RBI AG berechnet. Etwaige </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limitverletzungen l\u00f6sen einen nach Schweregrad abgestuften Eskalations- und Notfallprozess aus. Die Verantwortung f\u00fcr das </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lokale Innertages-Liquidit\u00e4tsmanagement liegt in der gesamten RBI bei dem lokalen Treasury, das sicherstellt, dass die </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenden Mindeststandards eingehalten werden: klare Verantwortungsbereiche und Arbeitsabl\u00e4ufe, t\u00e4gliche \u00dcberwachung </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der verf\u00fcgbaren Liquidit\u00e4t, Prognoseerstellung und Limitierung sowie Eskalations- und Notfallprozesse im Fall von </span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limitbr\u00fcchen.</span></div><div class=\"ps27309 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Notfall-Funding-Plan<span id=\"i2d34f80b759d45798581799ce2bcfb60\"></span></span></div><div class=\"ps19378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter erschwerten Liquidit\u00e4tsbedingungen gehen die Einheiten zu einer Krisenorganisation \u00fcber, in der sie vordefinierte </span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsnotfallpl\u00e4ne verfolgen. Diese Notfallpl\u00e4ne stellen ebenfalls einen Bestandteil des Liquidit\u00e4tsmanagement-Rahmens </span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dar und sind f\u00fcr alle wesentlichen Konzerneinheiten obligatorisch. Der Notfallmanagement-Prozess ist so konzipiert, dass der </span></div><div class=\"ps26148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern selbst in ernsten Krisensituationen eine starke Liquidit\u00e4tsposition beibehalten kann.</span></div><div class=\"ps27310 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidit\u00e4tsposition<span id=\"i66cd57400bb34837b2064ad104d4d517\"></span></span></div><div class=\"ps27311 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Konzern-Funding gr\u00fcndet sich auf eine starke Basis an Kundeneinlagen und wird durch Wholesale-Funding \u2013 haupts\u00e4chlich </span></div><div class=\"ps27312 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber die RBI AG und die Konzerneinheiten \u2013 erg\u00e4nzt. Die Funding-Instrumente sind angemessen diversifiziert und kommen </span></div><div class=\"ps27313 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig zum Einsatz. Die F\u00e4higkeit zur Beschaffung von Mitteln wird von den Treasury-ALM-Einheiten und den ALCOs genau </span></div><div class=\"ps27314 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberwacht und beurteilt.</span></div><div class=\"ps27315 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Liquidit\u00e4ts\u00fcberschuss des Konzerns lag im vergangenen Jahr und bis zum jetzigen Zeitpunkt \u00fcber allen regulatorischen und </span></div><div class=\"ps27316 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Grenzwerten (mit einer Handvoll Ausnahmen im Bereich der internen Sublimits). Das Ergebnis des internen Time-to-</span></div><div class=\"ps27286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wall-Stresstests macht deutlich, dass der Konzern die modellierte Stressphase von einigen Monaten selbst ohne die </span></div><div class=\"ps27287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anwendung von Notfallma\u00dfnahmen durchgehend \u00fcberstehen w\u00fcrde.</span></div><div class=\"ps27317 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Going-Concern-Bericht weist die strukturelle Liquidit\u00e4tsposition aus und deckt dabei alle wesentlichen Risikotreiber ab, </span></div><div class=\"ps27318 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welche den Konzern in einem normalen Gesch\u00e4ftsmodell (Business as Usual) belasten k\u00f6nnten. Die Ergebnisse des Going-</span></div><div class=\"ps27319 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Concern-Szenarios sind in der folgenden Tabelle dargestellt. Sie veranschaulichen den Liquidit\u00e4ts\u00fcberhang und das Verh\u00e4ltnis </span></div><div class=\"ps27320 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von erwarteten Kapitalzufl\u00fcssen und der Ausgleichskapazit\u00e4t zu Kapitalabfl\u00fcssen (Liquidit\u00e4tsquote) f\u00fcr ausgew\u00e4hlte <span class=\"f ps24\"> </span></span></div><div class=\"ps27321 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeiten auf kumulativer Basis. Die Kapitalfl\u00fcsse basieren auf Annahmen anhand von Expertenmeinungen, statistischen </span></div><div class=\"ps27322 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Analysen und L\u00e4nderbesonderheiten. Diese Berechnung umfasst zudem Sch\u00e4tzungen zur Best\u00e4ndigkeit von Kundeneinlagen, zu </span></div><div class=\"ps27289 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abfl\u00fcssen von au\u00dferbilanziellen Positionen und zu Marktabschw\u00fcngen bei Positionen, die in die Ausgleichskapazit\u00e4t einflie\u00dfen. </span></div><div class=\"ps27325 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps22231\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps23742\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27323\">1 Monat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4159\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27323\">1 Monat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4159\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Liquidit\u00e4ts\u00fcberhang<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18524\">15.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19410\">18.779<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22373\">53.419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25824\">58.866<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Liquidit\u00e4tsquote<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27324\"></span><span class=\"ps27324\">201 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17784\"></span><span class=\"ps17784\">156 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18107\"></span><span class=\"ps18107\">191 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18379\"></span><span class=\"ps18379\">153 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27327 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Liquidity Coverage Ratio (LCR)<span id=\"i5c32621350c14fcba7ab757d82887c23\"></span></span></div><div class=\"ps27328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die kurzfristige Belastbarkeit von Banken erfordert eine entsprechende Liquidit\u00e4tsdeckung in Form einer <span class=\"f ps24\"> </span></span></div><div class=\"ps27329 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsdeckungsquote (Liquidity Coverage Ratio, LCR). Dabei m\u00fcssen Letztere angemessene Best\u00e4nde an unbelasteten <span class=\"f ps24\"> </span></span></div><div class=\"ps27330 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstklassigen liquiden Aktiva (High Quality Liquid Assets, HQLA) sicherstellen, um potenzielle Abfl\u00fcsse durch Verbindlichkeiten, </span></div><div class=\"ps27331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die in Krisenzeiten anfallen k\u00f6nnen, decken zu k\u00f6nnen. HQLAs k\u00f6nnen in Cash umgewandelt werden, um den Liquidit\u00e4tsbedarf </span></div><div class=\"ps27332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Rahmen eines Liquidit\u00e4tsstress-Szenarios f\u00fcr mindestens 30 Kalendertage zu decken.</span></div><div class=\"ps27333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Berechnung der erwarteten Mittelzu- und -abfl\u00fcsse sowie der HQLAs basiert auf regulatorischen Vorgaben. Das <span class=\"f ps24\"> </span></span></div><div class=\"ps27334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorische LCR-Limit betr\u00e4gt 100 Prozent. </span></div><div class=\"ps27335 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche liquide Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps25697\">41.227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20281\">40.064<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Netto-Abfl\u00fcsse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20219\">29.232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps11304\">22.028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Zufl\u00fcsse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1154\">12.147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23945\">17.127<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Abfl\u00fcsse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20194\">41.379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19948\">39.155<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Liquidity Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps17367\"></span><span class=\"ps17367\">141 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps22141\"></span><span class=\"ps22141\">182 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_907\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Net Stable Funding Ratio (NSFR)<span id=\"iddebbaed67e64f418e5efba821b5ae53\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die NSFR wird definiert als das Verh\u00e4ltnis von verf\u00fcgbarer stabiler Refinanzierung zu erforderlicher stabiler Refinanzierung. </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgbare stabile Refinanzierung wird definiert als jener Teil der Eigen- und Fremdmittel, von dem zu erwarten ist, dass er </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber den von der NSFR erfassten Zeithorizont von einem Jahr eine zuverl\u00e4ssige Mittelquelle darstellt. Die erforderliche stabile </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Refinanzierung einer Bank ist von den Liquidit\u00e4tsmerkmalen und Restlaufzeiten der verschiedenen gehaltenen </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte und der au\u00dferbilanziellen Engagements abh\u00e4ngig. Ziel der RBI ist eine ausgewogene Funding-Position. Die </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderliche strukturelle Liquidit\u00e4t sowie die vorhandene strukturelle Liquidit\u00e4t basieren auf regulatorischen Vorgaben. Das </span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorische NSFR-Limit ist 100 Prozent.</span></div><div class=\"ps27339 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erforderliche strukturelle Liquidit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17784\">119.239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26117\">110.351<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorhandene strukturelle Liquidit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26880\">169.043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps27337\">159.835<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Net Stable Funding Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps20346\"></span><span class=\"ps20346\">142 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps27338\"></span><span class=\"ps27338\">145 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Strukturelles Liquidit\u00e4tsrisiko<span id=\"i1dc8a01665504756b784d0a57a8b17ce\"></span></span></div><div class=\"ps27341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strukturelle Liquidit\u00e4tsrisiken werden vor allem durch eine \u00c4nderung in der Risikostrategie der Kreditgeber oder durch eine </span></div><div class=\"ps27342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bonit\u00e4tsverschlechterung eines sich refinanzierenden Instituts ausgel\u00f6st. Die Refinanzierungskosten und -m\u00f6glichkeiten </span></div><div class=\"ps27343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steigen und fallen mit den geforderten Risikopr\u00e4mien, die sowohl markt- als auch institutsspezifisch schwanken.</span></div><div class=\"ps27344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die langfristige Refinanzierungsm\u00f6glichkeit ist somit von der generellen Wiederherstellung des Vertrauens in Banken und dem </span></div><div class=\"ps27345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verst\u00e4rkten Bem\u00fchen um Spareinlagen abh\u00e4ngig. Die RBI AG refinanziert sich dabei einerseits durch Geld- und </span></div><div class=\"ps27346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalmarkttransaktionen und andererseits aus dem Retail-Gesch\u00e4ft der Tochterbanken. Sie ist die zentrale </span></div><div class=\"ps27347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsausgleichsstelle f\u00fcr die verschiedenen lokalen Konzerngesellschaften in Zentral- und Osteuropa.</span></div><div class=\"ps27348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Refinanzierungsplan des Konzerns wird spezielles Augenmerk auf eine ausgewogene Finanzierungsstruktur gelegt, um das </span></div><div class=\"ps27349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">strukturelle Liquidit\u00e4tsrisiko zu kontrollieren. Im Konzern werden dabei Gelder nicht nur durch die RBI AG als Konzernspitze, </span></div><div class=\"ps27350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sondern auch von vielen Tochterbanken aufgenommen. Dies wird durch ein gemeinsames Konzept koordiniert und optimiert.</span></div><div class=\"ps27351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus erm\u00f6glicht die RBI AG die mittel- und langfristige Mittelaufnahme ihrer T\u00f6chter im Weg von syndizierten </span></div><div class=\"ps27352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten, bilateralen Bankrefinanzierungen und Globaldarlehen supranationaler Institutionen. Diese Refinanzierungsquellen </span></div><div class=\"ps27353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden durchwegs auf Basis langj\u00e4hriger Gesch\u00e4ftsbeziehungen genutzt.</span></div><div class=\"ps27354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zur Steuerung und aktiven Begrenzung des Liquidit\u00e4tsrisikos ber\u00fccksichtigen die Zielvorgaben f\u00fcr die Loan/Deposit Ratio </span></div><div class=\"ps27355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Verh\u00e4ltnis von Kundenforderungen zu Kundeneinlagen) in den einzelnen Tochterbanken sowohl das geplante zuk\u00fcnftige </span></div><div class=\"ps27356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsvolumen als auch die M\u00f6glichkeiten zur St\u00e4rkung der Einlagenbasis in den jeweiligen L\u00e4ndern. Dies verringert </span></div><div class=\"ps27357 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einerseits den externen Refinanzierungsbedarf f\u00fcr den Konzern und andererseits die Notwendigkeit konzerninterner </span></div><div class=\"ps27358 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tstransfers sowie das damit verbundene Risiko.</span></div><div class=\"ps27359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die vereinbarten vertraglichen Zahlungsstr\u00f6me f\u00fcr die finanziellen Verm\u00f6genswerte ergeben folgende Laufzeit:</span></span></div><div class=\"ps27472 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27360 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps1832\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps7911\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps12700\">Zahlungsstr\u00f6me</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27361 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps675\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps27362\">Mehr als 1 Jahr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps16657\">bis 5 Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps27363\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps6995\">Jahre</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Nicht derivative Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27364 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps26731\">199.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps9437\">226.618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27365 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps8523\">73.284<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17598\">22.552<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27367 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps19478\">65.277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13418 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps18609\">65.506<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">und sonstige Sichteinlagen</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27368 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps10879\">35.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps8556\">35.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27369 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps8556\">35.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10969 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14928 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13428 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27370 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1536\">118.292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27371 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1577\">138.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27372 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13217\">30.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17741\">17.735<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27374 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps411\">44.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13438 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10571\">44.933<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27375 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17706\">8.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27376 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1631\">8.435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27377 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1631\">8.435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14955 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27379 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27380 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7448\">3.909<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27381 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12601\">4.101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27382 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1623\">2.409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17371\">210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27385 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27384\">716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22643 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13267\">766<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27386 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19613\">4.251<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27388 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27387\">4.389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27389 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17912\">2.236<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27390 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps4173\">754<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27392 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27391\">910<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27393 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17912\">489<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27394 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1490\">9.986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27395 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps21017\">10.900<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27396 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17769\">4.223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps23659\">1.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27398 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps489\">3.544<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27399 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19567\">1.683<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27400 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps14902\">47.597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27401 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps21017\">52.597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27402 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11316\">10.235<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10987 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps16900\">10.936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27403 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps120\">24.882<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27404 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps169\">6.543<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27405 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25982\">44.118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27406 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps21017\">57.592<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27407 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25415\">2.866<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps19655\">4.385<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27409 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6725\">14.889<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27410 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12750\">35.452<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27411 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7101\">46.352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27412 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1667\">53.311<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27413 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13350\">7.585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22334\">4.817<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27415 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11959\">20.335<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27416 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12730\">20.573<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27417 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10094\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27418 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4154\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27419 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4154\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23532 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27421 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27422 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22539\">38.729<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27423 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22908\">45.079<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27425 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27424\">6.505<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps1509\">4.073<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23539 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27427\">16.443<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10711\">18.059<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27429 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25415\">4.875<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27430 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps15101\">5.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27432 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27431\">905<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9584\">536<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23546 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1492\">2.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27434 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8556\">1.350<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27435 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8062\">1.612<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27436 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12546\">1.772<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27437 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4173\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps27438\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23553 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12616\">908<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27441 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27440\">719<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27442 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps405\">1.100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27444 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27443\">1.217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27445 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18116\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27446 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17371\">120<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23559 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19270\">563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27447 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6715\">445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivative Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27448 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps19428\">4.103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27449 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps6723\">3.917<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27451 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27450\">565<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27452 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17344\">565<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27424\">1.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27453 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps17765\">1.178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27454 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13425\">3.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27455 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12633\">3.565<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27456 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18683\">558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27457 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18116\">553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27458 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1492\">1.352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27459 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps258\">1.102<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12964 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27460 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12639\">1.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27461 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17221\">383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27462 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps9396\">34<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27463 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17467\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27464 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10129\">259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27465 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8150\">78<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7931 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27466 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27443\">-372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27467 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25075\">-31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27468 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps22200\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27469 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17190\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27470 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps20170\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27471 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps22192\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27360 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps1832\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps7911\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps12700\">Zahlungsstr\u00f6me</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27361 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps675\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps27362\">Mehr als 1 Jahr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps16657\">bis 5 Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps27363\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps6995\">Jahre</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Nicht derivative Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27364 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps221\">189.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps13017\">214.256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27365 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps9810\">76.390<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17204\">19.424<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27367 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps7186\">61.420<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13418 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps8516\">57.021<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand, Guthaben bei Zentralbanken <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">und sonstige Sichteinlagen</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27368 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps19461\">34.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps13156\">34.761<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27369 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps13156\">34.761<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10969 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14928 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13428 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27370 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1555\">117.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27371 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6012\">136.649<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27372 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1569\">37.044<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27373 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22553\">16.040<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27374 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12488\">43.991<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13438 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps26731\">39.573<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27375 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27473\">13.783<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27376 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps52\">13.819<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27377 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps52\">13.819<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27378 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14955 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27379 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27380 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19768\">3.808<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27381 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps3220\">3.937<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27382 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12608\">2.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27383 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18495\">211<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27385 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25888\">627<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22643 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps16900\">743<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27386 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12597\">4.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27388 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps431\">4.409<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27389 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8149\">2.313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27390 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9396\">336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27392 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8049\">1.269<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27393 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19712\">491<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27394 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27427\">10.380<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27395 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps123\">11.449<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27396 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12615\">5.072<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27397 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps5368\">1.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27398 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps409\">3.904<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27399 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps343\">1.307<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27400 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7101\">45.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27401 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6365\">50.568<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27402 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8696\">10.829<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10987 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps16871\">10.196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27403 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13163\">24.220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27404 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps6987\">5.322<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27405 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10879\">40.070<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27406 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps314\">52.467<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27407 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12633\">2.654<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27408 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps7864\">4.133<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27409 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps481\">13.970<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27410 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps177\">31.710<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27411 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19568\">36.972<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27412 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps21581\">42.847<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27413 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7448\">4.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27414 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17715\">3.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27415 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10777\">17.429<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27416 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps23640\">17.447<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27417 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17995\">398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27418 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17995\">398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27419 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17995\">398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27420 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23532 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27421 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27422 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27474\">30.022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27423 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6065\">35.394<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27425 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12608\">3.259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27426 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps27475\">2.688<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23539 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps167\">13.604<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10111\">15.842<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27429 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22541\">4.487<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27430 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12592\">4.810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27432 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25882\">766<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27433 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10660\">528<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23546 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13265\">2.466<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27434 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21010\">1.050<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27435 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22336\">1.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27436 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps143\">1.304<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27437 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4173\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27439 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18408\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23553 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17672\">843<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27441 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps22553\">306<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27442 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27476\">889<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27444 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17457\">941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27445 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps3169\">108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27446 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18408\">69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23559 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7916\">515<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27447 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27477\">249<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivative Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27448 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27478\">4.185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27449 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps23001\">3.634<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27451 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps18120\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27452 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps10123\">558<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps1490\">1.848<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27453 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps11922\">816<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27454 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17757\">3.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27455 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13346\">3.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27456 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps23524\">377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27457 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps4173\">574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27458 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps16900\">1.640<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27459 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13201\">793<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12964 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27460 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12601\">1.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27461 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22172\">230<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27462 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17449\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27463 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17466\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27464 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18683\">209<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27465 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps24270\">22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7931 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27466 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps1511\">-234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27467 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27479\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27468 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps9393\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27469 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27470 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27471 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps4169\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27480 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die vereinbarten vertraglichen Zahlungsstr\u00f6me f\u00fcr die finanziellen Verbindlichkeiten ergeben folgende Laufzeit:</span></div><div class=\"ps27535 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27360 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps1832\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps7911\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps12700\">Zahlungsstr\u00f6me</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27361 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps675\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps27362\">Mehr als 1 Jahr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps16657\">bis 5 Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps27363\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps6995\">Jahre</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Nicht derivative Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27364 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps18670\">179.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps10709\">183.463<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27365 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps7135\">130.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps495\">12.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27367 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps169\">24.902<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13418 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps21185\">15.431<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27368 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10656\">148.252<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1452\">149.078<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27369 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6458\">125.116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10969 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps21652\">8.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14928 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22553\">6.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8556\">8.981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27481 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17457\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22707\">434<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27482 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27476\">204<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27483 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps20223\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14942 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10131\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20976 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8333\">104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27484 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps491\">3.759<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27478\">3.784<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27485 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17913\">3.233<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27486 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps11324\">368<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27487 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps23296\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8064\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27488 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19569\">20.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27489\">20.476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27490 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps26492\">14.864<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27492 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps27491\">1.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27493 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps143\">3.041<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20990 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1647\">1.187<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27494 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10800\">11.996<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1672\">12.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27495 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17761\">8.942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27496 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps8929\">696<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27497 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17741\">1.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20996 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps16883\">992<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27498 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps15656\">46.164<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6383\">46.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27499 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1445\">43.585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27500 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18132\">2.162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27501 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19667\">339<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21003 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10962\">172<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27502 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8688\">65.657<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25982\">65.771<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27503 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6383\">54.289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27504 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps22334\">3.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27505 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12579\">1.439<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21009 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17666\">6.492<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27506 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25889\">1.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12774\">1.321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27508 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27507\">1.314<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27509 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23516 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21016 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9394\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27510 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27474\">29.095<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1631\">31.711<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27511 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27424\">2.808<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27512 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps19508\">4.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23523 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19402\">18.115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21023 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27513\">6.443<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27514 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps7987\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1492\">1.352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27515 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17156\">1.313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27517 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps27516\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27518 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4154\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21030 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivative Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27519 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps22816\">3.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27115 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps23504\">3.460<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27520 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps1456\">199<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27521 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps9585\">523<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27522 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps17773\">1.597<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21038 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps27523\">1.142<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27524 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18075\">2.785<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19683\">3.600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27525 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1501\">473<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10999 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps15179\">494<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27526 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12567\">1.502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21045 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1702\">1.131<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27527 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19270\">942<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27176 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps24760\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27528 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4173\">56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27529 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18461\">27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27530 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps4173\">95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21052 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8926\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27531 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27507\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27188 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps8062\">-326<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27532 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25889\">-330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27533 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17447\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27534 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps18457\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21059 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps19231\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Gegebene Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27448 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps22540\">10.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27449 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27474\">10.037<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27451 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps23504\">4.634<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27452 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps19483\">2.134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps489\">2.567<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27453 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps6710\">702<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Gegebene Darlehenszusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27454 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps1548\">42.664<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27455 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps18753\">42.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27456 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps21581\">21.669<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27457 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps8150\">6.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27458 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps1721\">11.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27459 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps184\">3.477<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27360 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps1832\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps7911\">Vertragliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps12700\">Zahlungsstr\u00f6me</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27361 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps675\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1248\"><div><div class=\"ps1485 ss173\"><span class=\"f charStyle-1dbd4d87 ps17584\">Mehr als 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss173\"><span class=\"f charStyle-1dbd4d87 ps11216\">Monate bis 1 Jahr</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23473 ss1479\"><div><div class=\"ps1485 ss171\"><span class=\"f charStyle-1dbd4d87 ps27362\">Mehr als 1 Jahr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps16657\">bis 5 Jahre</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10676 ss260\"><div><div class=\"ps1485 ss259\"><span class=\"f charStyle-1dbd4d87 ps27363\">Mehr als 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss259\"><span class=\"f charStyle-1dbd4d87 ps6995\">Jahre</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Nicht derivative Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27364 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps9382\">170.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27024 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps20548\">169.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27365 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps8529\">120.112<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27366 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps17477\">13.311<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27367 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps14902\">27.138<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13418 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps5084\">9.081<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27368 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10430\">140.732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27032 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps15153\">141.662<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27369 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8547\">116.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10969 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps12628\">10.189<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14928 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps73\">11.939<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13428 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27537\">3.385<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27481 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22603\">391<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27039 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17457\">419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27482 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17369\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27483 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18467\">122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14942 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps15110\">131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20976 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps24764\">117<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Regierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27484 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12578\">3.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27047 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17156\">3.131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27485 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1516\">2.712<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27486 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps10642\">228<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27487 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17907\">158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20984 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps8064\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27488 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps22539\">22.624<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27054 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1567\">23.036<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27490 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps10700\">16.363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27492 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps11532\">1.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27493 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps491\">3.795<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20990 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1702\">1.113<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Finanzunternehmen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27494 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps413\">11.421<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27063 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps240\">11.684<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27495 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17704\">8.153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27496 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps9585\">868<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27497 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps18653\">1.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20996 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps246\">1.123<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Nicht-Finanzunternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27498 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13217\">43.834<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27070 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps6246\">43.959<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27499 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13163\">40.767<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27500 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps12544\">2.692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27501 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27538\">349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21003 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps27539\">151<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps1864\">Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27502 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11961\">59.354<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27078 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11961\">59.435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27503 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19400\">48.105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27504 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps7986\">4.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27505 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11544\">5.966<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21009 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12622\">847<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Short-Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27506 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25148\">992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27087 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27476\">988<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27508 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17995\">983<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27509 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17356\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23516 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19217\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21016 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps23997\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27510 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13143\">27.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27096 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps279\">25.358<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27511 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8448\">1.362<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27512 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps8064\">3.104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23523 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1640\">15.198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21023 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17666\">5.693<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27514 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps17911\">1.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27105 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps11922\">1.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27515 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps1468\">1.617<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27517 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps17384\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27518 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21030 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivative Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27519 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27323\">3.981<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27115 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps12624\">3.437<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27520 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps7356\">-194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27521 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps26250\">547<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27522 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps22896\">1.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21038 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps5084\">1.086<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27524 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps13265\">3.032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27126 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps19633\">3.353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27525 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps8920\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10999 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps15179\">446<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27526 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27540\">1.833<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21045 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps19752\">1.033<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Derivate - Hedge Accounting<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27527 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps12578\">1.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27176 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27541\">427<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27528 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps26677\">118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27529 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps18408\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27530 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps27542\">166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21052 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps12617\">45<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1478\"><div><div class=\"ps1485 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Fair-Value-Anpassungen des abgesicherten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisikos aus Portfolio-Fair-Value-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27531 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27543\">-359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27188 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps27507\">-343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27532 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps1511\">-353<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27533 ss1248\"><div><div class=\"ps516 ss173\"><span class=\"f charStyle-375ad3a6 ps17447\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27534 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-375ad3a6 ps25533\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21059 ss260\"><div><div class=\"ps516 ss259\"><span class=\"f charStyle-375ad3a6 ps26273\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Gegebene Finanzgarantien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27448 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps19422\">9.243<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27449 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps12629\">9.242<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27451 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps20528\">4.359<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27452 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps7208\">2.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23566 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps489\">2.253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27453 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps17773\">523<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4785 ss1441\"><div><div class=\"ps31 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Gegebene Darlehenszusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27454 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps18753\">37.635<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27455 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps10112\">37.633<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27456 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps23160\">19.435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27457 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps12599\">5.215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27458 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-1dbd4d87 ps27474\">10.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27459 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps10654\">2.609<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-542": {
   "value": "<div class=\"ps28062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(48) Leasing<span id=\"ie72b62f8a97f4266a6b06c998dbddeda\"></span></span></div><div class=\"ps28063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Vertragsbeginn pr\u00fcft die RBI, ob es sich bei dem Vertrag um ein Leasingverh\u00e4ltnis handelt oder ein solches enth\u00e4lt. Ein </span></div><div class=\"ps28064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertrag ist oder enth\u00e4lt ein Leasingverh\u00e4ltnis, wenn der Vertrag das Recht beinhaltet, die Nutzung eines identifizierten </span></div><div class=\"ps28065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts f\u00fcr einen bestimmten Zeitraum gegen Entgelt zu kontrollieren. Um zu beurteilen, ob ein Vertrag das Recht zur </span></div><div class=\"ps28066 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrolle der Nutzung eines identifizierten Verm\u00f6genswerts verleiht, pr\u00fcft die RBI, ob die folgenden Kriterien erf\u00fcllt sind:</span></div><div class=\"ps28067 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Vertrag beinhaltet die Verwendung eines identifizierten Verm\u00f6genswerts \u2013 dies ist der Fall, wenn entweder der <span class=\"f ps24\"> </span></span></div><div class=\"ps28068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswert ausdr\u00fccklich im Vertrag angegeben ist oder der Verm\u00f6genswert implizit zum Zeitpunkt der </span></div><div class=\"ps28069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Bereitstellung f\u00fcr den Kunden zur Nutzung zur Verf\u00fcgung gestellt wurde, um die Vertragsbedingungen zu erf\u00fcllen. </span></div><div class=\"ps28070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Hat der Lieferant ein materielles Substitutionsrecht, so gilt der Verm\u00f6genswert als nicht identifiziert;</span></div><div class=\"ps28071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die RBI hat das Recht, im Wesentlichen den gesamten wirtschaftlichen Nutzen des Verm\u00f6genswerts w\u00e4hrend der </span></div><div class=\"ps28072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">gesamten Nutzungsdauer zu ziehen; und</span></div><div class=\"ps28073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die RBI hat das Recht zu bestimmen, wie und zu welchem Zweck der Verm\u00f6genswert w\u00e4hrend der Nutzungsdauer </span></div><div class=\"ps28074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">verwendet wird, oder die ma\u00dfgeblichen Entscheidungen dar\u00fcber, wie und zu welchem Zweck der Verm\u00f6genswert <span class=\"f ps24\"> </span></span></div><div class=\"ps28075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">verwendet wird, sind festgelegt. </span></div><div class=\"ps28076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">RBI als Leasinggeber<span id=\"i85f174a4fc4c4952ac15c0d8255fc94a\"></span></span></div><div class=\"ps28077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn die RBI als Leasinggeber auftritt, bestimmt sie zu Beginn des Leasingverh\u00e4ltnisses, ob das Leasing als </span></div><div class=\"ps28078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsleasing oder als Operating Leasing zu bilanzieren ist. In der RBI wird ein Leasingverh\u00e4ltnis als Finanzierungsleasing </span></div><div class=\"ps28079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert, wenn im Wesentlichen alle mit dem Eigentum verbundenen Risiken und Chancen \u00fcbertragen werden. Typische </span></div><div class=\"ps28080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren, die einzeln oder in Kombination normalerweise dazu f\u00fchren w\u00fcrden, dass ein Leasingverh\u00e4ltnis als </span></div><div class=\"ps28081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsleasing klassifiziert wird, sind:</span></div><div class=\"ps28082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00dcbertragung des Eigentums an dem Verm\u00f6genswert zum Ende der Vertragslaufzeit;</span></div><div class=\"ps28083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Option zum Erwerb des Verm\u00f6genswerts zu einem Preis, der den beizulegenden Zeitwert zum Zeitpunkt der </span></div><div class=\"ps28084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Aus\u00fcbung der Option voraussichtlich so stark unterschreitet, dass die Aus\u00fcbung der Option bei Beginn des </span></div><div class=\"ps28085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Leasingverh\u00e4ltnisses hinreichend sicher ist;</span></div><div class=\"ps28086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Vertragslaufzeit erstreckt sich \u00fcber den gr\u00f6\u00dften Teil der wirtschaftlichen Lebensdauer des Verm\u00f6genswerts </span></div><div class=\"ps28087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">(auch wenn der Titel nicht \u00fcbertragen wird);</span></div><div class=\"ps28088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Barwert der Leasingzahlungen entspricht zum Zeitpunkt des Beginns mindestens im Wesentlichen dem </span></div><div class=\"ps28089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">beizulegenden Zeitwert des Verm\u00f6genswerts und</span></div><div class=\"ps28090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert ist so speziell, dass nur der Leasingnehmer ihn ohne gr\u00f6\u00dfere \u00c4nderungen nutzen kann.</span></div><div class=\"ps28091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Manchmal ist die RBI ein Zwischen-Leasinggeber, das bedeutet, dass die RBI sowohl Leasingnehmer als auch Leasinggeber </span></div><div class=\"ps28092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">desselben Leasinggegenstands ist und ihren Anteil am Haupt- und am Untermietverh\u00e4ltnis getrennt bilanziert. Wenn es sich bei </span></div><div class=\"ps28093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Hauptmietverh\u00e4ltnis um ein kurzfristiges Leasingverh\u00e4ltnis handelt, wird das Untermietverh\u00e4ltnis als Operating Leasing </span></div><div class=\"ps28094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Andernfalls bewertet die RBI die Klassifizierung eines Untermietverh\u00e4ltnisses anhand des Nutzungsrechts im </span></div><div class=\"ps28095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hauptmietverh\u00e4ltnis und nicht anhand des zugrunde liegenden Verm\u00f6genswerts des Hauptmietverh\u00e4ltnisses.</span></div><div class=\"ps28096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI erfasst die mit dem Operating-Leasingverh\u00e4ltnis verbundenen Leasingzahlungen linear \u00fcber die Laufzeit des </span></div><div class=\"ps28097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasingverh\u00e4ltnisses als Ertrag.</span></div><div class=\"ps28098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachfolgend sind die Ertr\u00e4ge aus Finanzierungs- und Operating-Leasingverh\u00e4ltnissen dargestellt:</span></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzierungsleasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21477\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20567\">180<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzertr\u00e4ge aus der Nettoinvestition in das Leasingverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20610\">167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps28059\">180<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Operating Leasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps28099\">112<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21921\">103<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Leasingertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22205\">112<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">103<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps1233\">279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps24088\">283<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es bestehen keine Leasingertr\u00e4ge aus variablen Leasingzahlungen, die nicht von einem Index oder Zinssatz abh\u00e4ngig sind.</span></div><div class=\"ps28100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Finanzierungsleasing<span id=\"i9b8bb9adc92747558352d63a8aff996a\"></span></span></div><div class=\"ps28101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Rahmen des Finanzierungsleasings finanzierten Verm\u00f6genswerte verteilen sich wie folgt, die entsprechenden Buchwerte </span></div><div class=\"ps28102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden in der Bilanz unter dem Posten finanzielle Verm\u00f6genswerte \u2013 Amortized Cost ausgewiesen:</span></div><div class=\"ps28104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kraftfahrzeugleasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1069\">1.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps28103\">1.740<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immobilienleasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1180\">703<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24140\">769<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Mobilienleasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22720\">659<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20610\">617<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8209\">3.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20139\">3.126<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Restlaufzeitengliederung der Leasingforderungen, die nach dem Bilanzstichtag eingehen:</span></div><div class=\"ps28109 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Bruttoinvestitionswert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20543\">3.588<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20543\">3.588<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Mindest-Leasingzahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps28106\">3.276<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22141\">3.270<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26153\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1188\">258<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Mehr als 3 Monate bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22720\">659<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps28107\">660<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Mehr als 1 Jahr bis 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18474\">1.920<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps13932\">1.890<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">429<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20354\">462<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht garantierte Restwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18427\">313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">319<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Unrealisierter Finanzertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20717\">412<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22232\">462<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22147\">37<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Mehr als 3 Monate bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20350\">95<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps28108\">101<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Mehr als 1 Jahr bis 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20554\">219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps848 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20235\">244<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16751\">63<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps853 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20391\">80<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Nettoinvestitionswert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8209\">3.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps859 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20139\">3.126<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr gab es keine Ertr\u00e4ge aus variablen Leasingzahlungen, die nicht in der Bewertung der Nettoinvestition in das </span></div><div class=\"ps28111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasingverh\u00e4ltnis enthalten sind. Die Gewinne aus dem Verkauf von Leasinggegenst\u00e4nden im Rahmen eines </span></div><div class=\"ps28112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsleasingvertrags betrugen \u20ac 3 Millionen (Vorjahr: \u20ac 3 Millionen).</span></div><div class=\"ps28113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Operating Leasing<span id=\"ia88c450028a74bb79c3290667e949e65\"></span></span></div><div class=\"ps28114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Rahmen des Operating Leasing finanzierten Verm\u00f6genswerte (inklusive noch nicht vermieteter Teile) setzen sich wie </span></div><div class=\"ps28115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgt zusammen und die entsprechenden Buchwerte werden in der Bilanz unter dem Posten Sachanlagen ausgewiesen:</span></div><div class=\"ps28116 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kraftfahrzeugleasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20707\">154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20638\">114<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immobilienleasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">187<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Mobilienleasing<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps22232\">290<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21921\">301<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Restlaufzeitengliederung der Leasingforderungen mit undiskontierten Leasingzahlungen, die nach dem Bilanzstichtag </span></div><div class=\"ps28118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingehen:</span></div><div class=\"ps28121 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps28119\">55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps28120\">50<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Mehr als 1 Jahr bis 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps28108\">101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24195\">106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20663\">28<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20674\">165<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20567\">184<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">RBI als Leasingnehmer<span class=\"f ps24\"> </span><span id=\"i9e80335265cb4c5d95347ed929169af5\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI erfasst ein Nutzungsrecht und eine Leasingverbindlichkeit zum Zeitpunkt des Beginns des Leasingverh\u00e4ltnisses, an dem </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ein Leasinggeber (ein Lieferant) einen zugrunde liegenden Verm\u00f6genswert zur Nutzung durch die RBI zur Verf\u00fcgung stellt. Das </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsrecht wird zu Anschaffungskosten am Bereitstellungsdatum bewertet. Die Anschaffungskosten des Nutzungsrechts </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">setzen sich aus dem Betrag zusammen, der der Leasingverbindlichkeit bei ihrem erstmaligen Ansatz entspricht, bereinigt um </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">etwaige Leasingzahlungen, die vor oder zu Beginn des Leasingverh\u00e4ltnisses geleistet wurden, zuz\u00fcglich etwaiger anf\u00e4nglich </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angefallener direkter Kosten und einer Sch\u00e4tzung der Kosten bis den zugrunde liegenden Verm\u00f6genswert abzubauen und zu </span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entfernen oder den zugrunde liegenden Verm\u00f6genswert oder den Standort wiederherzustellen, abz\u00fcglich etwaiger </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasinganreize. </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Nutzungsrecht wird anschlie\u00dfend nach der linearen Methode gem\u00e4\u00df IAS 16 vom Bereitstellungsdatum bis zum fr\u00fcheren </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende der Nutzungsdauer oder dem Ende der Leasingdauer des Nutzungsrechts abgeschrieben. Das Nutzungsrecht wird um </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">etwaige Wertminderungen verringert und um bestimmte Neubewertungen der Leasingverbindlichkeit bereinigt. </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu Beginn bewertet die RBI die Leasingverbindlichkeit mit dem Barwert der zu diesem Zeitpunkt nicht gezahlten Leasingraten. </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Leasingraten werden unter Verwendung des im Leasingverh\u00e4ltnis enthaltenen Zinssatzes abgezinst, wenn dieser Zinssatz </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">leicht bestimmt werden kann. Kann dieser Zinssatz nicht ohne weiteres bestimmt werden, so verwendet der Leasingnehmer </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Grenzfremdkapitalzinssatz. </span></div><div class=\"ps16736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die in der Bewertung der Leasingverbindlichkeit enthaltenen Leasingraten setzen sich wie folgt zusammen:</span></div><div class=\"ps28123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Feste Zahlungen einschlie\u00dflich de facto fester Zahlungen;</span></div><div class=\"ps28124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Variable Leasingraten, die von einem Index oder einer Rate abh\u00e4ngen, und deren erstmalige Bewertung anhand des <span class=\"f ps24\"> </span></span></div><div class=\"ps28125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">am Bereitstellungsdatum g\u00fcltigen Indizes oder Rate vorgenommen wird;</span></div><div class=\"ps28126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Betr\u00e4ge, die voraussichtlich vom Leasingnehmer im Rahmen von Restwertgarantien zu zahlen sind;<span class=\"f ps24\"> </span></span></div><div class=\"ps11644 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Den Aus\u00fcbungspreis einer Kaufoption, wenn die RBI hinreichend sicher ist, diese Option auszu\u00fcben; und</span></div><div class=\"ps28127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Strafzahlungen f\u00fcr die Beendigung des Leasingverh\u00e4ltnisses, wenn in der Laufzeit ber\u00fccksichtigt ist, dass der </span></div><div class=\"ps3376 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Leasingnehmer eine K\u00fcndigungsoption aus\u00fcben wird.<span class=\"f ps24\"> </span></span></div><div class=\"ps28128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Leasingverbindlichkeit wird fortlaufend analog zu den sonstigen finanziellen Verbindlichkeiten unter Anwendung einer </span></div><div class=\"ps28129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Effektivzinsmethode bewertet, so dass der Buchwert der Leasingverbindlichkeit zu fortgef\u00fchrten Anschaffungskosten </span></div><div class=\"ps3988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und der Zinsaufwand \u00fcber das Leasingverh\u00e4ltnis verteilt wird. Eine Neubewertung erfolgt, wenn sich die k\u00fcnftigen </span></div><div class=\"ps3989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasingraten aufgrund einer \u00c4nderung des Index oder des Zinssatzes \u00e4ndern, wenn sich die Sch\u00e4tzung der RBI hinsichtlich des </span></div><div class=\"ps28130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrags \u00e4ndert, der voraussichtlich unter einer Restwertgarantie zu zahlen ist, oder wenn die RBI die Beurteilung, ob eine Kauf-, </span></div><div class=\"ps28131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verl\u00e4ngerungs- oder K\u00fcndigungsoption ausge\u00fcbt wird, \u00e4ndert. Wenn die Leasingverbindlichkeit auf diese Weise neu bewertet </span></div><div class=\"ps28132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, wird eine entsprechende Anpassung des Buchwerts des Nutzungsrechts vorgenommen oder ergebniswirksam erfasst, </span></div><div class=\"ps28133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn der Buchwert des Nutzungsrechts auf null abgeschrieben wurde.</span></div><div class=\"ps28134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat beschlossen, Nutzungsrechte und Leasingverbindlichkeiten f\u00fcr kurzfristige Leasingvertr\u00e4ge f\u00fcr Ger\u00e4te mit einer </span></div><div class=\"ps28135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasingdauer von h\u00f6chstens zw\u00f6lf Monaten und f\u00fcr Leasingvertr\u00e4ge f\u00fcr geringwertige Verm\u00f6genswerte, einschlie\u00dflich IT-</span></div><div class=\"ps28136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ger\u00e4te, nicht zu bilanzieren. Die RBI erfasst die mit diesen Leasingverh\u00e4ltnissen verbundenen Leasingzahlungen linear \u00fcber die </span></div><div class=\"ps28137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeit des Leasingverh\u00e4ltnisses als Aufwand.</span></div><div class=\"ps28138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Mietverh\u00e4ltnisse betreffen haupts\u00e4chlich Immobilien-, Kraftfahrzeugleasing sowie Leasing von IT-Zubeh\u00f6r.</span></div><div class=\"ps28139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nutzungsrechte<span id=\"ifc011b3a989749808866c8814e95ac3a\"></span></span></div><div class=\"ps28140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt die Entwicklung der aktivierten Nutzungsrechte f\u00fcr Immobilien, Anlagen und Ausstattungen, welche </span></div><div class=\"ps28141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Bilanz unter den Sachanlagen dargestellt sind, und die dazugeh\u00f6rigen kumulierten Abschreibungen, welche in der </span></div><div class=\"ps28142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung unter den Verwaltungsaufwendungen ausgewiesen werden:</span></div><div class=\"ps28146 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anschaffungs-/Herstellungskosten 1.1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps28143\">739<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps28144\">674<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">\u00c4nderung Konsolidierungskreis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20389\">20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsdifferenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19285\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22085\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Umbuchungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20557\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Anschaffungs-/Herstellungskosten 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23448\">813<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps28145\">740<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Zuschreibungen/Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1225\">-435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1071\">-367<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Abschreibungen/Wertminderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">-79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20349\">-79<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Buchwert zum 31.12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps843 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20898\">378<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps844 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20551\">372<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Leasingverbindlichkeiten<span id=\"i465e3fa779834ba6bdf3d55692f33601\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt die Restlaufzeitengliederung der Leasingverbindlichkeiten mit undiskontierten Leasingzahlungen, die </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach dem Bilanzstichtag f\u00e4llig werden. Die entsprechenden Buchwerte werden unter den finanziellen Verbindlichkeiten \u2013 </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Amortized Cost ausgewiesen.</span></div><div class=\"ps27133 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps16748\">85<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19928\">81<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Mehr als 1 Jahr bis 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps28147\">231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20422\">224<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Mehr als 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19283\">91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20647\">90<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps28145\">407<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20142\">396<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Realisierte Ergebnisse in der Erfolgsrechnung<span id=\"ie824bf22d74d4f349133132ef5c03242\"></span></span></div><div class=\"ps28149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Erfolgsrechnung werden die Zinsaufwendungen f\u00fcr Leasingverbindlichkeiten im Zins\u00fcberschuss, die Aufw\u00e4nde f\u00fcr </span></div><div class=\"ps28150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kurzfristige Leasingverh\u00e4ltnisse und geringwertige Verm\u00f6genswerte im Sachaufwand dargestellt.</span></div><div class=\"ps28151 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwendungen f\u00fcr Leasingverbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20616\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20696\">-11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht in die Bewertung von Leasingverbindlichkeiten einbezogener Aufwand f\u00fcr variable Leasingzahlungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Ertrag aus Unterleasing von Nutzungsrechten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwand f\u00fcr kurzfristige Leasingverh\u00e4ltnisse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20720\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20563\">-16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Aufwand f\u00fcr geringwertige Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20620\">-5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20735\">-32<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-543": {
   "value": "<div class=\"ps28062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(48) Leasing<span id=\"ie72b62f8a97f4266a6b06c998dbddeda\"></span></span></div><div class=\"ps28063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Vertragsbeginn pr\u00fcft die RBI, ob es sich bei dem Vertrag um ein Leasingverh\u00e4ltnis handelt oder ein solches enth\u00e4lt. Ein </span></div><div class=\"ps28064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertrag ist oder enth\u00e4lt ein Leasingverh\u00e4ltnis, wenn der Vertrag das Recht beinhaltet, die Nutzung eines identifizierten </span></div><div class=\"ps28065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerts f\u00fcr einen bestimmten Zeitraum gegen Entgelt zu kontrollieren. Um zu beurteilen, ob ein Vertrag das Recht zur </span></div><div class=\"ps28066 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrolle der Nutzung eines identifizierten Verm\u00f6genswerts verleiht, pr\u00fcft die RBI, ob die folgenden Kriterien erf\u00fcllt sind:</span></div><div class=\"ps28067 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Vertrag beinhaltet die Verwendung eines identifizierten Verm\u00f6genswerts \u2013 dies ist der Fall, wenn entweder der <span class=\"f ps24\"> </span></span></div><div class=\"ps28068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verm\u00f6genswert ausdr\u00fccklich im Vertrag angegeben ist oder der Verm\u00f6genswert implizit zum Zeitpunkt der </span></div><div class=\"ps28069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Bereitstellung f\u00fcr den Kunden zur Nutzung zur Verf\u00fcgung gestellt wurde, um die Vertragsbedingungen zu erf\u00fcllen. </span></div><div class=\"ps28070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Hat der Lieferant ein materielles Substitutionsrecht, so gilt der Verm\u00f6genswert als nicht identifiziert;</span></div><div class=\"ps28071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die RBI hat das Recht, im Wesentlichen den gesamten wirtschaftlichen Nutzen des Verm\u00f6genswerts w\u00e4hrend der </span></div><div class=\"ps28072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">gesamten Nutzungsdauer zu ziehen; und</span></div><div class=\"ps28073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die RBI hat das Recht zu bestimmen, wie und zu welchem Zweck der Verm\u00f6genswert w\u00e4hrend der Nutzungsdauer </span></div><div class=\"ps28074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">verwendet wird, oder die ma\u00dfgeblichen Entscheidungen dar\u00fcber, wie und zu welchem Zweck der Verm\u00f6genswert <span class=\"f ps24\"> </span></span></div><div class=\"ps28075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">verwendet wird, sind festgelegt. </span></div><div class=\"ps28076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">RBI als Leasinggeber<span id=\"i85f174a4fc4c4952ac15c0d8255fc94a\"></span></span></div><div class=\"ps28077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn die RBI als Leasinggeber auftritt, bestimmt sie zu Beginn des Leasingverh\u00e4ltnisses, ob das Leasing als </span></div><div class=\"ps28078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsleasing oder als Operating Leasing zu bilanzieren ist. In der RBI wird ein Leasingverh\u00e4ltnis als Finanzierungsleasing </span></div><div class=\"ps28079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert, wenn im Wesentlichen alle mit dem Eigentum verbundenen Risiken und Chancen \u00fcbertragen werden. Typische </span></div><div class=\"ps28080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren, die einzeln oder in Kombination normalerweise dazu f\u00fchren w\u00fcrden, dass ein Leasingverh\u00e4ltnis als </span></div><div class=\"ps28081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungsleasing klassifiziert wird, sind:</span></div><div class=\"ps28082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">\u00dcbertragung des Eigentums an dem Verm\u00f6genswert zum Ende der Vertragslaufzeit;</span></div><div class=\"ps28083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Option zum Erwerb des Verm\u00f6genswerts zu einem Preis, der den beizulegenden Zeitwert zum Zeitpunkt der </span></div><div class=\"ps28084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Aus\u00fcbung der Option voraussichtlich so stark unterschreitet, dass die Aus\u00fcbung der Option bei Beginn des </span></div><div class=\"ps28085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Leasingverh\u00e4ltnisses hinreichend sicher ist;</span></div><div class=\"ps28086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Vertragslaufzeit erstreckt sich \u00fcber den gr\u00f6\u00dften Teil der wirtschaftlichen Lebensdauer des Verm\u00f6genswerts </span></div><div class=\"ps28087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">(auch wenn der Titel nicht \u00fcbertragen wird);</span></div><div class=\"ps28088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Barwert der Leasingzahlungen entspricht zum Zeitpunkt des Beginns mindestens im Wesentlichen dem </span></div><div class=\"ps28089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">beizulegenden Zeitwert des Verm\u00f6genswerts und</span></div><div class=\"ps28090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Verm\u00f6genswert ist so speziell, dass nur der Leasingnehmer ihn ohne gr\u00f6\u00dfere \u00c4nderungen nutzen kann.</span></div><div class=\"ps28091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Manchmal ist die RBI ein Zwischen-Leasinggeber, das bedeutet, dass die RBI sowohl Leasingnehmer als auch Leasinggeber </span></div><div class=\"ps28092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">desselben Leasinggegenstands ist und ihren Anteil am Haupt- und am Untermietverh\u00e4ltnis getrennt bilanziert. Wenn es sich bei </span></div><div class=\"ps28093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Hauptmietverh\u00e4ltnis um ein kurzfristiges Leasingverh\u00e4ltnis handelt, wird das Untermietverh\u00e4ltnis als Operating Leasing </span></div><div class=\"ps28094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klassifiziert. Andernfalls bewertet die RBI die Klassifizierung eines Untermietverh\u00e4ltnisses anhand des Nutzungsrechts im </span></div><div class=\"ps28095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hauptmietverh\u00e4ltnis und nicht anhand des zugrunde liegenden Verm\u00f6genswerts des Hauptmietverh\u00e4ltnisses.</span></div><div class=\"ps28096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI erfasst die mit dem Operating-Leasingverh\u00e4ltnis verbundenen Leasingzahlungen linear \u00fcber die Laufzeit des </span></div><div class=\"ps28097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasingverh\u00e4ltnisses als Ertrag.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">RBI als Leasingnehmer<span class=\"f ps24\"> </span><span id=\"i9e80335265cb4c5d95347ed929169af5\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI erfasst ein Nutzungsrecht und eine Leasingverbindlichkeit zum Zeitpunkt des Beginns des Leasingverh\u00e4ltnisses, an dem </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ein Leasinggeber (ein Lieferant) einen zugrunde liegenden Verm\u00f6genswert zur Nutzung durch die RBI zur Verf\u00fcgung stellt. Das </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzungsrecht wird zu Anschaffungskosten am Bereitstellungsdatum bewertet. Die Anschaffungskosten des Nutzungsrechts </span></div><div class=\"ps3890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">setzen sich aus dem Betrag zusammen, der der Leasingverbindlichkeit bei ihrem erstmaligen Ansatz entspricht, bereinigt um </span></div><div class=\"ps25045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">etwaige Leasingzahlungen, die vor oder zu Beginn des Leasingverh\u00e4ltnisses geleistet wurden, zuz\u00fcglich etwaiger anf\u00e4nglich </span></div><div class=\"ps25046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angefallener direkter Kosten und einer Sch\u00e4tzung der Kosten bis den zugrunde liegenden Verm\u00f6genswert abzubauen und zu </span></div><div class=\"ps25047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entfernen oder den zugrunde liegenden Verm\u00f6genswert oder den Standort wiederherzustellen, abz\u00fcglich etwaiger </span></div><div class=\"ps25048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasinganreize. </span></div><div class=\"ps19099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Nutzungsrecht wird anschlie\u00dfend nach der linearen Methode gem\u00e4\u00df IAS 16 vom Bereitstellungsdatum bis zum fr\u00fcheren </span></div><div class=\"ps19100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende der Nutzungsdauer oder dem Ende der Leasingdauer des Nutzungsrechts abgeschrieben. Das Nutzungsrecht wird um </span></div><div class=\"ps19104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">etwaige Wertminderungen verringert und um bestimmte Neubewertungen der Leasingverbindlichkeit bereinigt. </span></div><div class=\"ps13925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu Beginn bewertet die RBI die Leasingverbindlichkeit mit dem Barwert der zu diesem Zeitpunkt nicht gezahlten Leasingraten. </span></div><div class=\"ps19038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Leasingraten werden unter Verwendung des im Leasingverh\u00e4ltnis enthaltenen Zinssatzes abgezinst, wenn dieser Zinssatz </span></div><div class=\"ps19040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">leicht bestimmt werden kann. Kann dieser Zinssatz nicht ohne weiteres bestimmt werden, so verwendet der Leasingnehmer </span></div><div class=\"ps19041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Grenzfremdkapitalzinssatz. </span></div><div class=\"ps16736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die in der Bewertung der Leasingverbindlichkeit enthaltenen Leasingraten setzen sich wie folgt zusammen:</span></div><div class=\"ps28123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Feste Zahlungen einschlie\u00dflich de facto fester Zahlungen;</span></div><div class=\"ps28124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Variable Leasingraten, die von einem Index oder einer Rate abh\u00e4ngen, und deren erstmalige Bewertung anhand des <span class=\"f ps24\"> </span></span></div><div class=\"ps28125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">am Bereitstellungsdatum g\u00fcltigen Indizes oder Rate vorgenommen wird;</span></div><div class=\"ps28126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Betr\u00e4ge, die voraussichtlich vom Leasingnehmer im Rahmen von Restwertgarantien zu zahlen sind;<span class=\"f ps24\"> </span></span></div><div class=\"ps11644 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Den Aus\u00fcbungspreis einer Kaufoption, wenn die RBI hinreichend sicher ist, diese Option auszu\u00fcben; und</span></div><div class=\"ps28127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Strafzahlungen f\u00fcr die Beendigung des Leasingverh\u00e4ltnisses, wenn in der Laufzeit ber\u00fccksichtigt ist, dass der </span></div><div class=\"ps3376 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Leasingnehmer eine K\u00fcndigungsoption aus\u00fcben wird.<span class=\"f ps24\"> </span></span></div><div class=\"ps28128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Leasingverbindlichkeit wird fortlaufend analog zu den sonstigen finanziellen Verbindlichkeiten unter Anwendung einer </span></div><div class=\"ps28129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Effektivzinsmethode bewertet, so dass der Buchwert der Leasingverbindlichkeit zu fortgef\u00fchrten Anschaffungskosten </span></div><div class=\"ps3988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und der Zinsaufwand \u00fcber das Leasingverh\u00e4ltnis verteilt wird. Eine Neubewertung erfolgt, wenn sich die k\u00fcnftigen </span></div><div class=\"ps3989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasingraten aufgrund einer \u00c4nderung des Index oder des Zinssatzes \u00e4ndern, wenn sich die Sch\u00e4tzung der RBI hinsichtlich des </span></div><div class=\"ps28130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrags \u00e4ndert, der voraussichtlich unter einer Restwertgarantie zu zahlen ist, oder wenn die RBI die Beurteilung, ob eine Kauf-, </span></div><div class=\"ps28131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verl\u00e4ngerungs- oder K\u00fcndigungsoption ausge\u00fcbt wird, \u00e4ndert. Wenn die Leasingverbindlichkeit auf diese Weise neu bewertet </span></div><div class=\"ps28132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, wird eine entsprechende Anpassung des Buchwerts des Nutzungsrechts vorgenommen oder ergebniswirksam erfasst, </span></div><div class=\"ps28133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn der Buchwert des Nutzungsrechts auf null abgeschrieben wurde.</span></div><div class=\"ps28134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat beschlossen, Nutzungsrechte und Leasingverbindlichkeiten f\u00fcr kurzfristige Leasingvertr\u00e4ge f\u00fcr Ger\u00e4te mit einer </span></div><div class=\"ps28135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasingdauer von h\u00f6chstens zw\u00f6lf Monaten und f\u00fcr Leasingvertr\u00e4ge f\u00fcr geringwertige Verm\u00f6genswerte, einschlie\u00dflich IT-</span></div><div class=\"ps28136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ger\u00e4te, nicht zu bilanzieren. Die RBI erfasst die mit diesen Leasingverh\u00e4ltnissen verbundenen Leasingzahlungen linear \u00fcber die </span></div><div class=\"ps28137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeit des Leasingverh\u00e4ltnisses als Aufwand.</span></div><div class=\"ps28138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Mietverh\u00e4ltnisse betreffen haupts\u00e4chlich Immobilien-, Kraftfahrzeugleasing sowie Leasing von IT-Zubeh\u00f6r.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-544": {
   "value": "<div class=\"ps897 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-27958eee ps17\">(54) Mitarbeiter<span id=\"i69a369698a504746870a79c2f258b5ab_17\"></span><span id=\"i238e354206694f548697851c3b37d4c9\"></span></span><span class=\"f charStyle-27958eee ps28407\">:innen</span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000000;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps264 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Vollzeit\u00e4quivalenten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-3e64e966 ps28408\">2024</span><span class=\"f charStyle-cdbbedb5 ps28409\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps264 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durchschnittliche Mitarbeiteranzahl<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps21806\">42.732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps18718\">43.088<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps264 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Angestellte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps28410\">42.592<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps28410\">42.925<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps264 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Arbeiter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps20873\">140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps21623\">163<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps264 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Stichtagsbezogene Mitarbeiteranzahl<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps17175\">42.425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:1pt solid #000000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps21406\">42.564<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps264 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Inland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps18738\">5.048<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps24053\">5.071<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps264 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon Ausland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps3128\">37.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-375ad3a6 ps22369\">37.493<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1489\"><div><div class=\"ps3120 ss1160\"><span class=\"f charStyle-2babd150 ps30\">1 Adaptierung der Vorperiode aufgrund ge\u00e4nderter Zuordnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-545": {
   "value": "<div class=\"ps28412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(55) Angaben zu nahestehenden Unternehmen und Personen<span id=\"ie6606c1eb234498e902458731d8a6f6d\"></span></span></div><div class=\"ps28413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen mit einem ma\u00dfgeblichen Einfluss sind im Wesentlichen die Raiffeisenlandesbank Nieder\u00f6sterreich-Wien AG, Wien, </span></div><div class=\"ps28414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als gr\u00f6\u00dfter Einzelaktion\u00e4r und ihre Muttergesellschaft, die Raiffeisen-Holding Nieder\u00f6sterreich-Wien registrierte </span></div><div class=\"ps28415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Genossenschaft mit beschr\u00e4nkter Haftung, Wien, sowie die vollkonsolidierten Unternehmen von beiden. Unter verbundenen </span></div><div class=\"ps28416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen sind wegen Unwesentlichkeit nicht konsolidierte verbundene Unternehmen dargestellt. </span></div><div class=\"ps28417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beziehungen zu nahestehenden Unternehmen und Personen beschr\u00e4nken sich auf Bankgesch\u00e4fte, die zu markt\u00fcblichen </span></div><div class=\"ps28419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konditionen abgeschlossen wurden.</span><span class=\"f charStyle-9eccfdcb ps28418\"> Dar\u00fcber hinaus besitzen die Vorst\u00e4nde Aktien der RBI AG. Detaillierte Informationen dazu </span></div><div class=\"ps28420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind auf der RBI-Homepage ersichtlich.</span></div><div class=\"ps28481 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:210pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9788 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps9355\">Unternehmen mit <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps28421\">ma\u00dfgeblichem Einfluss</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps17542\">Verbundene <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps1486\">Unternehmen</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps28424 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps28422\">Anteile an at-equity <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps28423\">bewerteten Unternehmen</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">Ausgew\u00e4hlte finanzielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28426 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28425\">90<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28428 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28427\">477<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28430 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28429\">1.091<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28431 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28433 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28432\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps28435 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28434\">721<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28437 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28436\">62<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28438 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28440 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28439\">110<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28442 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28441\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28444 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28443\">254<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28446 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28445\">259<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">Ausgew\u00e4hlte finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28447 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28385\">2.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28449 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28448\">207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28450 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28210\">4.718<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28452 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28451\">2.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10981 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28453\">207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps28454 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps21992\">4.717<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28455 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28456 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28458 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28457\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Posten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28460 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28459\">115<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28461 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28432\">159<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28463 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28462\">515<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28465 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28464\">83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28467 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28466\">159<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps28469 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28468\">504<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9609 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28470\">31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28471 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28473 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28472\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Nominalwert von Derivaten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28475 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28474\">174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28476 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28477 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps24846\">1.054<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1490\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen, kumulierte negative Ver\u00e4nderungen des Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Values aufgrund von Kreditrisiken und R\u00fcckstellungen f\u00fcr notleidende </span></div><div class=\"ps3019 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28478 ss233\"><div><div class=\"ps5427 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28479 ss233\"><div><div class=\"ps5427 ss206\"><span class=\"f charStyle-375ad3a6 ps22639\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28480 ss233\"><div><div class=\"ps5427 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28496 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:210pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9788 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps9355\">Unternehmen mit <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps28421\">ma\u00dfgeblichem Einfluss</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps17542\">Verbundene <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps1486\">Unternehmen</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28424 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps28422\">Anteile an at-equity <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps28423\">bewerteten Unternehmen</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">Ausgew\u00e4hlte finanzielle Verm\u00f6genswerte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28426 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28483\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28428 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28484\">428<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28430 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps1216\">1.006<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenkapitalinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28431 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28457\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28433 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28190\">206<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps28435 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28204\">665<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28437 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28485\">42<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28438 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28440 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps24193\">84<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28442 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28486\">45<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28444 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28432\">222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28446 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28487\">257<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">Ausgew\u00e4hlte finanzielle Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28447 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps23772\">2.285<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28449 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28488\">153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28450 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps21997\">5.117<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28452 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28489\">2.285<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10981 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28490\">153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps28454 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28286\">5.116<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28455 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28456 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28458 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28457\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Posten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28460 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps28464\">87<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28461 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps24193\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28463 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-1dbd4d87 ps21944\">545<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Erteilte Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28465 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28491\">64<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28467 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28485\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps28469 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps24226\">523<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene Kreditzusagen, Finanzgarantien und sonstige Zusagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9609 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28492\">23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28471 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28473 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28493\">22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Nominalwert von Derivaten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28475 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28494\">91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28476 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28477 ss1267\"><div><div class=\"ps264 ss206\"><span class=\"f charStyle-375ad3a6 ps28495\">205<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1490\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Kumulierte Wertminderungen, kumulierte negative Ver\u00e4nderungen des Fair <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Values aufgrund von Kreditrisiken und R\u00fcckstellungen f\u00fcr notleidende </span></div><div class=\"ps3019 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28478 ss233\"><div><div class=\"ps5427 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28479 ss233\"><div><div class=\"ps5427 ss206\"><span class=\"f charStyle-375ad3a6 ps25372\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28480 ss233\"><div><div class=\"ps5427 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:210pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9788 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps9355\">Unternehmen mit <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps28421\">ma\u00dfgeblichem Einfluss</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps17542\">Verbundene <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps1486\">Unternehmen</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28424 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps28422\">Anteile an at-equity <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps28423\">bewerteten Unternehmen</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28426 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28501\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28428 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28502\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps28430 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28503\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28431 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28432\">-49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28433 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28504\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28435 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28282\">-107<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28437 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28438 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28494\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28440 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28505\">40<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28442 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28501\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28444 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28506\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28446 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28507\">18<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28447 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28508\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28449 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28508\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28450 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28509\">-21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1491\"><div><div class=\"ps1485 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Zu-/Abnahme von Wertminderungen, Fair-Value-\u00c4nderungen aufgrund von <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko und R\u00fcckstellungen f\u00fcr notleidende Forderungen</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28452 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10981 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps28510\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28454 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps28511\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28518 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:210pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9788 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps9355\">Unternehmen mit <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps28421\">ma\u00dfgeblichem Einfluss</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10958 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps17542\">Verbundene <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps1486\">Unternehmen</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28424 ss1264\"><div><div class=\"ps12528 ss206\"><span class=\"f charStyle-1dbd4d87 ps28422\">Anteile an at-equity <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss206\"><span class=\"f charStyle-1dbd4d87 ps28423\">bewerteten Unternehmen</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1247\"><div><div class=\"ps31 ss1246\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28426 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28457\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28428 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28513\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps28430 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28514\">14<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28431 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps27840\">-83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28433 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28504\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28435 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28302\">-156<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Dividendenertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28437 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28438 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28514\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28440 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28515\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28442 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28516\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28444 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps7427\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28446 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28470\">13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1247\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28447 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps25372\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28449 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps25372\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28450 ss1267\"><div><div class=\"ps31 ss206\"><span class=\"f charStyle-375ad3a6 ps28517\">-13<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1491\"><div><div class=\"ps264 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Zu-/Abnahme von Wertminderungen, Fair-Value-\u00c4nderungen aufgrund von <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1246\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko und R\u00fcckstellungen f\u00fcr notleidende Forderungen</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28452 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10981 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps22624\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28454 ss207\"><div><div class=\"ps516 ss206\"><span class=\"f charStyle-375ad3a6 ps25372\">-3<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(56) Beziehungen zu Organen<span id=\"ifb6434ba15694e1fab21738e5a989ce9\"></span></span></div><div class=\"ps28521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Konzernbeziehungen des Key Managements<span id=\"i4853c1bee480410db0e4a13457e025fd\"></span></span></div><div class=\"ps28522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter Key Management sind die Vorstands- und Aufsichtsratsmitglieder der RBI AG zu verstehen. Zum 31. Dezember hielten die </span></div><div class=\"ps28527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitglieder des Vorstands und Aufsichtsrats emittierte Anleihen von der RBI in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps28523\">1.911</span><span class=\"f charStyle-9eccfdcb ps28524\"> Tausend (Vorjahr: \u20ac <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps28525\">1.554</span><span class=\"f charStyle-9eccfdcb ps28526\"> </span></div><div class=\"ps28532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) sowie Aktien an der RBI AG und nahestehenden Unternehmen in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps28528\">6.533</span><span class=\"f charStyle-9eccfdcb ps28529\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28530\">3.516</span><span class=\"f charStyle-9eccfdcb ps28531\"> Tausend). </span></div><div class=\"ps28537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Einlagen der Mitglieder des Vorstands und des Aufsichtsrats beliefen sich auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps28533\">1.207</span><span class=\"f charStyle-9eccfdcb ps28534\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28535\">641</span><span class=\"f charStyle-9eccfdcb ps28536\"> Tausend), die </span></div><div class=\"ps28542 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Summe der gew\u00e4hrten Kredite (inklusive Bauspardarlehen) und Leasingfinanzierungen betrug \u20ac </span><span class=\"f charStyle-9eccfdcb ps28538\">184</span><span class=\"f charStyle-9eccfdcb ps28539\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28540\">217</span><span class=\"f charStyle-9eccfdcb ps28541\"> </span></div><div class=\"ps28543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend).</span></div><div class=\"ps28544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Bankgesch\u00e4fte mit den Mitgliedern des Vorstands und des Aufsichtsrats wurden Zins- und Dividendenertr\u00e4ge in <span class=\"f ps24\"> </span></span></div><div class=\"ps28552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps1051\">203</span><span class=\"f charStyle-9eccfdcb ps28545\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28546\">111</span><span class=\"f charStyle-9eccfdcb ps28547\"> Tausend) erzielt, wobei sich die Zinsaufwendungen auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps28548\">0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps28549\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28550\">0</span><span class=\"f charStyle-9eccfdcb ps28551\"> </span></div><div class=\"ps28553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) beliefen.</span></div><div class=\"ps28554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Transaktionen mit sonstigen nahestehenden Personen und Unternehmen<span id=\"i7b597e0a0f62413bb816fb54f5758bf0\"></span></span></div><div class=\"ps28555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter Transaktionen mit sonstigen nahestehenden Personen und Unternehmen sind Familienangeh\u00f6rige der Vorstands- und </span></div><div class=\"ps28556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsratsmitglieder der RBI AG, sowie kontrollierte oder ma\u00dfgeblich beeinflusste Gesellschaften zu verstehen. Zum </span></div><div class=\"ps28560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">31.\u00a0Dezember wurden emittierte Anleihen von der RBI in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps13669\">0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps28557\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28558\">54</span><span class=\"f charStyle-9eccfdcb ps28559\"> Tausend) und Aktien an der RBI AG </span></div><div class=\"ps28565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps28561\">123</span><span class=\"f charStyle-9eccfdcb ps28562\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28563\">4</span><span class=\"f charStyle-9eccfdcb ps28564\"> Tausend) gehalten. Die Einlagen der sonstigen nahestehenden Personen und </span></div><div class=\"ps28570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen beliefen sich auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps28566\">674</span><span class=\"f charStyle-9eccfdcb ps28567\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28568\">1.140</span><span class=\"f charStyle-9eccfdcb ps28569\"> Tausend), die Summe der gew\u00e4hrten Kredite (inklusive </span></div><div class=\"ps28575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bauspardarlehen) und Leasingfinanzierungen betrug \u20ac </span><span class=\"f charStyle-9eccfdcb ps28571\">0</span><span class=\"f charStyle-9eccfdcb ps28572\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28573\">3</span><span class=\"f charStyle-9eccfdcb ps28574\"> Tausend).</span></div><div class=\"ps28576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Bankgesch\u00e4fte mit sonstigen nahestehenden Personen und Unternehmen wurden Zins- und Dividendenertr\u00e4ge </span></div><div class=\"ps28584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps28561\">3</span><span class=\"f charStyle-9eccfdcb ps28577\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28578\">3</span><span class=\"f charStyle-9eccfdcb ps28579\"> Tausend) erzielt, wobei sich die Zinsaufwendungen auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps28580\">0</span><span class=\"f charStyle-9eccfdcb ps28581\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28582\">0</span><span class=\"f charStyle-9eccfdcb ps28583\"> </span></div><div class=\"ps28585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) beliefen.</span></div><div class=\"ps28586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es bestehen keine Entsch\u00e4digungsvereinbarungen zwischen der Gesellschaft und ihren Vorstands- und Aufsichtsrats-</span></div><div class=\"ps28587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mitgliedern oder Arbeitnehmer:innen f\u00fcr den Fall eines \u00f6ffentlichen \u00dcbernahmeangebots.</span></div><div class=\"ps28588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Bez\u00fcge der Vorstands- und Aufsichtsratsmitglieder sowie des Beirats <span id=\"i47fe97efc35a485e9892e97dd4b5090f\"></span></span></div><div class=\"ps28589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Aufwand nach IAS 24 wurde periodengerecht und gem\u00e4\u00df den Vorschriften des zugrunde liegenden Standards (IAS 19) </span></div><div class=\"ps28590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst. </span></div><div class=\"ps4716 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps28592 ss1492\"><div><div class=\"ps31 ss478\"><span class=\"f charStyle-1dbd4d87 ps28591\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1492\"><div><div class=\"ps31 ss478\"><span class=\"f charStyle-1dbd4d87 ps28593\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1494\"><div><div class=\"ps5730 ss1493\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps28594 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps11479\">Vorstand</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps28595 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps6374\">Aufsichtsrat</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps11489\">Beirat</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps11479\">Vorstand</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps28596 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps6374\">Aufsichtsrat</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps11489\">Beirat</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2998 ss1495\"><div><div class=\"ps31 ss1493\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristig f\u00e4llige Leistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28597 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps7247\">6.859<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28598 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21652\">1.489<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28599 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10664\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28600 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps15882\">7.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28601 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17259\">1.397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28602 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10128\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3001 ss1496\"><div><div class=\"ps1485 ss1493\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen nach Beendigung des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1493\"><span class=\"f charStyle-375ad3a6 ps30\">Arbeitsverh\u00e4ltnisses</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28603 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps9396\">418<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28604 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28605 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28606 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps18498\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28607 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28608 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss1495\"><div><div class=\"ps31 ss1493\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28610 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps28609\">6.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28611 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28612 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28613 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19510\">4.807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28614 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28615 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18995 ss1495\"><div><div class=\"ps31 ss1493\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28616 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps40\">13.728<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28617 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps25443\">1.489<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28618 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps17890\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28619 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps6030\">12.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28620 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps26676\">1.397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28621 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps7901\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die in der Tabelle unter kurzfristig f\u00e4llige Leistungen dargestellten Werte f\u00fcr den Vorstand enthalten Geh\u00e4lter, Sachbez\u00fcge und </span></div><div class=\"ps28623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sonstige Leistungen, Entgelte f\u00fcr Organfunktionen bei verbundenen Unternehmen sowie jene Anteile der Bonusr\u00fcckstellung, die </span></div><div class=\"ps28624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kurzfristig f\u00e4llig werden. Zudem sind Ver\u00e4nderungen, die sich aus einem allf\u00e4lligen Unterschied zwischen der Bonusr\u00fcckstellung </span></div><div class=\"ps28625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und dem sp\u00e4ter tats\u00e4chlich zuerkannten Bonus ergeben, enthalten. Unter Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses </span></div><div class=\"ps28626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind Zahlungen an Pensionskassen und die Mitarbeitervorsorgekasse, Abfertigungen, Urlaubsabfindungen sowie </span></div><div class=\"ps28627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettodotierungen f\u00fcr Pensions- und Abfertigungsr\u00fcckstellungen ausgewiesen.</span></div><div class=\"ps28628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den kurzfristigen Leistungen f\u00fcr den Aufsichtsrat und den Beirat sind die Betr\u00e4ge des Verg\u00fctungsmodells dargestellt. Weitere </span></div><div class=\"ps28629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen dazu befinden sich im Gesch\u00e4ftsbericht im Kapitel Corporate-Governance-Bericht sowie auf der Website der RBI </span></div><div class=\"ps28630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(www.rbinternational.com \u2192 Investoren \u2192 Corporate Governance &amp; Verg\u00fctung). Die aktuelle Verg\u00fctungspolitik ist verf\u00fcgbar </span></div><div class=\"ps28631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf der Website der RBI (www.rbinternational.com \u2192 Corporate Governance &amp; Verg\u00fctung \u2192 Verg\u00fctungspolitik). </span></div><div class=\"ps28632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 wurden keine zustimmungspflichtigen Vertr\u00e4ge im Sinn von \u00a7 95 Abs 5 Z 12 AktG mit </span></div><div class=\"ps28633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsratsmitgliedern abgeschlossen.</span></div><div class=\"ps15476 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter andere langfristig f\u00e4llige Leistungen werden Anteile der Bonusr\u00fcckstellung ausgewiesen, die verschobene Bonusanteile in </span></div><div class=\"ps15477 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bar sowie zur\u00fcckbehaltene, in Instrumenten zahlbare Teile betreffen. Bei Letzteren werden auch die Bewertungs\u00e4nderungen </span></div><div class=\"ps28634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">infolge von Kursschwankungen ber\u00fccksichtigt. </span></div><div class=\"ps28635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bonusvereinbarung ist an die Erreichung j\u00e4hrlich vereinbarter Ziele gekn\u00fcpft. Die jeweiligen Step-In Kriterien sowie die </span></div><div class=\"ps28636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">individuellen Leistungsziele sind der aktuellen Verg\u00fctungspolitik zu entnehmen (www.rbinternational.com \u2192 Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps28637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Governance &amp; Verg\u00fctung \u2192 Verg\u00fctungspolitik). </span></div><div class=\"ps28638 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die H\u00f6he des Bonus wird anhand der Eigenkapitalrendite (Return on Equity) und der Cost/Income Ratio bestimmt, wobei die zu </span></div><div class=\"ps28639 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erreichenden Zielwerte die sogenannten strategischen Ziele f\u00fcr den Return on Equity und der Cost/Income Ratio auf RBI Ebene </span></div><div class=\"ps28640 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abbilden.</span></div><div class=\"ps28641 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Vorstandsmitglieder gelten grunds\u00e4tzlich dieselben Regelungen wie f\u00fcr Mitarbeiter:innen, die einen Grundbeitrag </span></div><div class=\"ps28642 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seitens des Unternehmens zu einer Pensionskasse und einen Zusatzbeitrag vorsehen, wenn die Mitarbeiter:innen Eigenbeitr\u00e4ge </span></div><div class=\"ps28643 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in derselben H\u00f6he leisten. </span></div><div class=\"ps28644 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Mitglieder des Vorstands richten sich die Anspr\u00fcche im Fall der Beendigung der Funktion bzw. des Dienstverh\u00e4ltnisses </span></div><div class=\"ps28645 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und des Ausscheidens aus dem Unternehmen nach dem Betrieblichen Mitarbeitervorsorgegesetz. Die Abfertigungsanspr\u00fcche </span></div><div class=\"ps28646 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df vertraglicher Vereinbarung verfallen grunds\u00e4tzlich bei K\u00fcndigung durch den Dienstnehmer. </span></div><div class=\"ps26666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zudem besteht \u00fcber eine Pensionskasse eine individuelle Pensionszusage, die durch eine R\u00fcckdeckungsversicherung </span></div><div class=\"ps26667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgesichert ist. Die Vorstandsvertr\u00e4ge sind f\u00fcr die Dauer der Funktionsperioden bzw. befristet auf maximal f\u00fcnf Jahre <span class=\"f ps24\"> </span></span></div><div class=\"ps26668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen. Die Abfindungszahlungen bei vorzeitiger Beendigung der Vorstandst\u00e4tigkeit ohne wichtigen Grund betragen </span></div><div class=\"ps26669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">maximal zwei Jahresgesamtverg\u00fctungen (ausgenommen bei einem Vorstandsmitglied aufgrund fr\u00fcherer vertraglicher </span></div><div class=\"ps26671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarungen). </span></div><div class=\"ps28647 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">An ehemalige Mitglieder des Vorstands und ihre Hinterbliebenen wurden im Gesch\u00e4ftsjahr \u20ac 1.601 Tausend an </span></div><div class=\"ps28648 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Versorgungsleistungen ausbezahlt (Vorjahr: \u20ac 1.610 Tausend). Zus\u00e4tzlich zu diesen Betr\u00e4gen wurden kurzfristig f\u00e4llige </span></div><div class=\"ps28649 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen und zeitlich verschobene Bonusanteile an ehemalige Mitglieder des Vorstands sowie Abfertigungszahlungen und </span></div><div class=\"ps28650 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen aus Anlass der Beendigung in H\u00f6he von insgesamt \u20ac 448 Tausend (Vorjahr: \u20ac 813 Tausend) bezahlt.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(57) Organe<span id=\"i9f7d742b361448a88898a3c811e02134\"></span></span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Vorstand<span id=\"i622e2f7a01044c1d9f8b35a2f47f33b1\"></span></span></div><div class=\"ps15204 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:120.75pt\"></td><td style=\"padding:0;width:120.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">Vorstandsmitglieder<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26539 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Erstbestellung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26085 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Ende der Funktionsperiode<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Johann Strobl, Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25750 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28652 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">30. Juni 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Marie-Valerie Brunner<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26543 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. November 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26088 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. Oktober 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Andreas Gschwenter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25755 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. Juli 2015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28653 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">30. Juni 2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1462\"><div><div class=\"ps31 ss1461\" style=\"font-size:12pt\"><span class=\"f charStyle-6d404c82 ps30\">Lic. Mgr. \u0141ukasz Januszewski</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-6d404c82 ps30\">1. M\u00e4rz 2018</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28654 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">30. April 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Kamila Makhmudova, LL.M. MBA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26548 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-6d404c82 ps30\">1. J\u00e4nner 2026</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28655 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. Dezember 2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Hannes M\u00f6senbacher<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26552 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">18. M\u00e4rz 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28656 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">28. Februar 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Andrii Stepanenko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26556 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. M\u00e4rz 2018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28657 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">28. Februar 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28658 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Aufsichtsrat beschloss eine Neuausrichtung der Ressortverteilung im Vorstand und berief im Oktober 2025 zwei neue </span></div><div class=\"ps28659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitglieder in den Vorstand: Die CFO-Funktion ist seit 1. J\u00e4nner 2026 wieder ein eigenes Vorstandsressort und wird von Kamila </span></div><div class=\"ps28660 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makhmudova, LL.M. MBA wahrgenommen. Neues Vorstandsmitglied f\u00fcr CIB Products &amp; Solutions ist Mag. Rainer Schnabl, der </span></div><div class=\"ps28661 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am 1. M\u00e4rz 2026 die Nachfolge von Lic. Mgr. \u0141ukasz Januszewski antritt. Weiters entschied der Aufsichtsrat, die Position des </span></div><div class=\"ps28662 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CEO per 1. Juli 2026 mit Mag. Michael H\u00f6llerer neu zu besetzen sowie die Funktionsperiode des Vorstandsmitglieds Mag. </span></div><div class=\"ps28663 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Andreas Gschwenter bis zum 30. Juni 2029 zu verl\u00e4ngern. Die Steuerung des Gesch\u00e4ftsbereichs Retail erfolgt nach dem </span></div><div class=\"ps28664 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslaufen des Vorstandsmandats von Andrii Stepanenko am 28. Februar 2026 durch den CEO.</span></div><div class=\"ps28666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aufsichtsrat<span id=\"i3f2dc8b326df4ce0b753f69f0e4209ef\"></span></span></div><div class=\"ps28696 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:120.75pt\"></td><td style=\"padding:0;width:120.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufsichtsratsmitglieder<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26539 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Erstbestellung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26085 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Ende der Funktionsperiode<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Erwin Hameseder, Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25750 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28652 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">MMag. Martin Schaller, 1. stellvertretender Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26543 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">4. Juni 2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26088 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Reinhard Schwendtbauer, 2. stellvertretender Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25755 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">26. M\u00e4rz 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28653 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-f7293bcd ps30\">Dr. Heinrich Schaller, 2. stellvertretender Vorsitzender</span><span class=\"f charStyle-cc4ae03e ps28667\"><span class=\"f ps24\"> </span><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">20. Juni 2012<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28654 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Michael Alge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26548 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. M\u00e4rz 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28655 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Univ.-Prof. Dr. Eva Eberhartinger, LL.M.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26552 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28656 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Dr. Andrea Gaal<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26556 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">21. Juni 2018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28657 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Michael H\u00f6llerer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28668 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. M\u00e4rz 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28669 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Rudolf K\u00f6nighofer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28670 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28671 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Heinz Konrad<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28672 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">20. Oktober 2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28673 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-f7293bcd ps30\">Dr. Reinhard Mayr</span><span class=\"f charStyle-cc4ae03e ps28674\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28675 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">20. Oktober 2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28676 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Birgit Noggler<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28677 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28678 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Dr. Christof Splechtna<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28679 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">26. M\u00e4rz 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28680 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Manfred Wilhelmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25796 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">21. November 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28681 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Dr. Natalie Egger-Grunicke</span><span class=\"f charStyle-ef1a5293 ps28682\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25800 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">18. Februar 2016<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28683 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Peter Anzeletti-Reikl</span><span class=\"f charStyle-ef1a5293 ps28684\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25804 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28685 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Rudolf Kortenhof</span><span class=\"f charStyle-ef1a5293 ps28686\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25808 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28687 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. (FH) Gebhard Muster</span><span class=\"f charStyle-ef1a5293 ps28688\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25812 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28689 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Helge Rechberger</span><span class=\"f charStyle-ef1a5293 ps28690\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28691 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28692 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Denise Simek</span><span class=\"f charStyle-ef1a5293 ps28693\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28694 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. Oktober 2021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28695 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1497\"><div><div class=\"ps877 ss1461\"><span class=\"f charStyle-2babd150 ps30\">1 Ausgeschieden mit der ordentlichen Hauptversammlung 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps14394 ss1497\"><div><div class=\"ps877 ss1461\"><span class=\"f charStyle-2babd150 ps30\">2 Vom Betriebsrat entsendet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  },
  "f-546": {
   "value": "<div class=\"ps28412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(55) Angaben zu nahestehenden Unternehmen und Personen<span id=\"ie6606c1eb234498e902458731d8a6f6d\"></span></span></div><div class=\"ps28413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen mit einem ma\u00dfgeblichen Einfluss sind im Wesentlichen die Raiffeisenlandesbank Nieder\u00f6sterreich-Wien AG, Wien, </span></div><div class=\"ps28414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als gr\u00f6\u00dfter Einzelaktion\u00e4r und ihre Muttergesellschaft, die Raiffeisen-Holding Nieder\u00f6sterreich-Wien registrierte </span></div><div class=\"ps28415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Genossenschaft mit beschr\u00e4nkter Haftung, Wien, sowie die vollkonsolidierten Unternehmen von beiden. Unter verbundenen </span></div><div class=\"ps28416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen sind wegen Unwesentlichkeit nicht konsolidierte verbundene Unternehmen dargestellt. </span></div><div class=\"ps28417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beziehungen zu nahestehenden Unternehmen und Personen beschr\u00e4nken sich auf Bankgesch\u00e4fte, die zu markt\u00fcblichen </span></div><div class=\"ps28419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konditionen abgeschlossen wurden.</span><span class=\"f charStyle-9eccfdcb ps28418\"> Dar\u00fcber hinaus besitzen die Vorst\u00e4nde Aktien der RBI AG. Detaillierte Informationen dazu </span></div><div class=\"ps28420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind auf der RBI-Homepage ersichtlich.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithRelatedPartiesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  },
  "f-547": {
   "value": "<div class=\"ps28520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(56) Beziehungen zu Organen<span id=\"ifb6434ba15694e1fab21738e5a989ce9\"></span></span></div><div class=\"ps28521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Konzernbeziehungen des Key Managements<span id=\"i4853c1bee480410db0e4a13457e025fd\"></span></span></div><div class=\"ps28522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter Key Management sind die Vorstands- und Aufsichtsratsmitglieder der RBI AG zu verstehen. Zum 31. Dezember hielten die </span></div><div class=\"ps28527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitglieder des Vorstands und Aufsichtsrats emittierte Anleihen von der RBI in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps28523\">1.911</span><span class=\"f charStyle-9eccfdcb ps28524\"> Tausend (Vorjahr: \u20ac <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps28525\">1.554</span><span class=\"f charStyle-9eccfdcb ps28526\"> </span></div><div class=\"ps28532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) sowie Aktien an der RBI AG und nahestehenden Unternehmen in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps28528\">6.533</span><span class=\"f charStyle-9eccfdcb ps28529\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28530\">3.516</span><span class=\"f charStyle-9eccfdcb ps28531\"> Tausend). </span></div><div class=\"ps28537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Einlagen der Mitglieder des Vorstands und des Aufsichtsrats beliefen sich auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps28533\">1.207</span><span class=\"f charStyle-9eccfdcb ps28534\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28535\">641</span><span class=\"f charStyle-9eccfdcb ps28536\"> Tausend), die </span></div><div class=\"ps28542 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Summe der gew\u00e4hrten Kredite (inklusive Bauspardarlehen) und Leasingfinanzierungen betrug \u20ac </span><span class=\"f charStyle-9eccfdcb ps28538\">184</span><span class=\"f charStyle-9eccfdcb ps28539\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28540\">217</span><span class=\"f charStyle-9eccfdcb ps28541\"> </span></div><div class=\"ps28543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend).</span></div><div class=\"ps28544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Bankgesch\u00e4fte mit den Mitgliedern des Vorstands und des Aufsichtsrats wurden Zins- und Dividendenertr\u00e4ge in <span class=\"f ps24\"> </span></span></div><div class=\"ps28552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps1051\">203</span><span class=\"f charStyle-9eccfdcb ps28545\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28546\">111</span><span class=\"f charStyle-9eccfdcb ps28547\"> Tausend) erzielt, wobei sich die Zinsaufwendungen auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps28548\">0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps28549\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28550\">0</span><span class=\"f charStyle-9eccfdcb ps28551\"> </span></div><div class=\"ps28553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) beliefen.</span></div><div class=\"ps28554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Transaktionen mit sonstigen nahestehenden Personen und Unternehmen<span id=\"i7b597e0a0f62413bb816fb54f5758bf0\"></span></span></div><div class=\"ps28555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter Transaktionen mit sonstigen nahestehenden Personen und Unternehmen sind Familienangeh\u00f6rige der Vorstands- und </span></div><div class=\"ps28556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsratsmitglieder der RBI AG, sowie kontrollierte oder ma\u00dfgeblich beeinflusste Gesellschaften zu verstehen. Zum </span></div><div class=\"ps28560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">31.\u00a0Dezember wurden emittierte Anleihen von der RBI in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps13669\">0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps28557\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28558\">54</span><span class=\"f charStyle-9eccfdcb ps28559\"> Tausend) und Aktien an der RBI AG </span></div><div class=\"ps28565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps28561\">123</span><span class=\"f charStyle-9eccfdcb ps28562\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28563\">4</span><span class=\"f charStyle-9eccfdcb ps28564\"> Tausend) gehalten. Die Einlagen der sonstigen nahestehenden Personen und </span></div><div class=\"ps28570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen beliefen sich auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps28566\">674</span><span class=\"f charStyle-9eccfdcb ps28567\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28568\">1.140</span><span class=\"f charStyle-9eccfdcb ps28569\"> Tausend), die Summe der gew\u00e4hrten Kredite (inklusive </span></div><div class=\"ps28575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bauspardarlehen) und Leasingfinanzierungen betrug \u20ac </span><span class=\"f charStyle-9eccfdcb ps28571\">0</span><span class=\"f charStyle-9eccfdcb ps28572\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28573\">3</span><span class=\"f charStyle-9eccfdcb ps28574\"> Tausend).</span></div><div class=\"ps28576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Bankgesch\u00e4fte mit sonstigen nahestehenden Personen und Unternehmen wurden Zins- und Dividendenertr\u00e4ge </span></div><div class=\"ps28584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps28561\">3</span><span class=\"f charStyle-9eccfdcb ps28577\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28578\">3</span><span class=\"f charStyle-9eccfdcb ps28579\"> Tausend) erzielt, wobei sich die Zinsaufwendungen auf \u20ac </span><span class=\"f charStyle-9eccfdcb ps28580\">0</span><span class=\"f charStyle-9eccfdcb ps28581\"> Tausend (Vorjahr: \u20ac </span><span class=\"f charStyle-9eccfdcb ps28582\">0</span><span class=\"f charStyle-9eccfdcb ps28583\"> </span></div><div class=\"ps28585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) beliefen.</span></div><div class=\"ps28586 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es bestehen keine Entsch\u00e4digungsvereinbarungen zwischen der Gesellschaft und ihren Vorstands- und Aufsichtsrats-</span></div><div class=\"ps28587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mitgliedern oder Arbeitnehmer:innen f\u00fcr den Fall eines \u00f6ffentlichen \u00dcbernahmeangebots.</span></div><div class=\"ps28588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Bez\u00fcge der Vorstands- und Aufsichtsratsmitglieder sowie des Beirats <span id=\"i47fe97efc35a485e9892e97dd4b5090f\"></span></span></div><div class=\"ps28589 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Aufwand nach IAS 24 wurde periodengerecht und gem\u00e4\u00df den Vorschriften des zugrunde liegenden Standards (IAS 19) </span></div><div class=\"ps28590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfasst. </span></div><div class=\"ps4716 ss0\"><div class=\"ss700 ws0 ps519\"><div><table style=\"border-collapse: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:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps28592 ss1492\"><div><div class=\"ps31 ss478\"><span class=\"f charStyle-1dbd4d87 ps28591\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps24627 ss1492\"><div><div class=\"ps31 ss478\"><span class=\"f charStyle-1dbd4d87 ps28593\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1494\"><div><div class=\"ps5730 ss1493\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps28594 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps11479\">Vorstand</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps28595 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps6374\">Aufsichtsrat</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23116 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps11489\">Beirat</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17347 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps11479\">Vorstand</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps28596 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps6374\">Aufsichtsrat</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps15142 ss185\"><div><div class=\"ps5730 ss184\"><span class=\"f charStyle-3e64e966 ps11489\">Beirat</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2998 ss1495\"><div><div class=\"ps31 ss1493\"><span class=\"f charStyle-375ad3a6 ps30\">Kurzfristig f\u00e4llige Leistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28597 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps7247\">6.859<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28598 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps21652\">1.489<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28599 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10664\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28600 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps15882\">7.057<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28601 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps17259\">1.397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28602 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps10128\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3001 ss1496\"><div><div class=\"ps1485 ss1493\"><span class=\"f charStyle-375ad3a6 ps30\">Leistungen nach Beendigung des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1493\"><span class=\"f charStyle-375ad3a6 ps30\">Arbeitsverh\u00e4ltnisses</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28603 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps9396\">418<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28604 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28605 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28606 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps18498\">411<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28607 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28608 ss258\"><div><div class=\"ps516 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss1495\"><div><div class=\"ps31 ss1493\"><span class=\"f charStyle-375ad3a6 ps30\">Andere langfristig f\u00e4llige Leistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28610 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps28609\">6.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28611 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28612 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28613 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps19510\">4.807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28614 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28615 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-375ad3a6 ps20914\">\u2014<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18995 ss1495\"><div><div class=\"ps31 ss1493\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28616 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps40\">13.728<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28617 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps25443\">1.489<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28618 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps17890\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28619 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps6030\">12.275<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28620 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps26676\">1.397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28621 ss272\"><div><div class=\"ps31 ss184\"><span class=\"f charStyle-1dbd4d87 ps7901\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die in der Tabelle unter kurzfristig f\u00e4llige Leistungen dargestellten Werte f\u00fcr den Vorstand enthalten Geh\u00e4lter, Sachbez\u00fcge und </span></div><div class=\"ps28623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sonstige Leistungen, Entgelte f\u00fcr Organfunktionen bei verbundenen Unternehmen sowie jene Anteile der Bonusr\u00fcckstellung, die </span></div><div class=\"ps28624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kurzfristig f\u00e4llig werden. Zudem sind Ver\u00e4nderungen, die sich aus einem allf\u00e4lligen Unterschied zwischen der Bonusr\u00fcckstellung </span></div><div class=\"ps28625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und dem sp\u00e4ter tats\u00e4chlich zuerkannten Bonus ergeben, enthalten. Unter Leistungen nach Beendigung des Arbeitsverh\u00e4ltnisses </span></div><div class=\"ps28626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind Zahlungen an Pensionskassen und die Mitarbeitervorsorgekasse, Abfertigungen, Urlaubsabfindungen sowie </span></div><div class=\"ps28627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettodotierungen f\u00fcr Pensions- und Abfertigungsr\u00fcckstellungen ausgewiesen.</span></div><div class=\"ps28628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den kurzfristigen Leistungen f\u00fcr den Aufsichtsrat und den Beirat sind die Betr\u00e4ge des Verg\u00fctungsmodells dargestellt. Weitere </span></div><div class=\"ps28629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen dazu befinden sich im Gesch\u00e4ftsbericht im Kapitel Corporate-Governance-Bericht sowie auf der Website der RBI </span></div><div class=\"ps28630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(www.rbinternational.com \u2192 Investoren \u2192 Corporate Governance &amp; Verg\u00fctung). Die aktuelle Verg\u00fctungspolitik ist verf\u00fcgbar </span></div><div class=\"ps28631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf der Website der RBI (www.rbinternational.com \u2192 Corporate Governance &amp; Verg\u00fctung \u2192 Verg\u00fctungspolitik). </span></div><div class=\"ps28632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 wurden keine zustimmungspflichtigen Vertr\u00e4ge im Sinn von \u00a7 95 Abs 5 Z 12 AktG mit </span></div><div class=\"ps28633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsratsmitgliedern abgeschlossen.</span></div><div class=\"ps15476 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter andere langfristig f\u00e4llige Leistungen werden Anteile der Bonusr\u00fcckstellung ausgewiesen, die verschobene Bonusanteile in </span></div><div class=\"ps15477 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bar sowie zur\u00fcckbehaltene, in Instrumenten zahlbare Teile betreffen. Bei Letzteren werden auch die Bewertungs\u00e4nderungen </span></div><div class=\"ps28634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">infolge von Kursschwankungen ber\u00fccksichtigt. </span></div><div class=\"ps28635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bonusvereinbarung ist an die Erreichung j\u00e4hrlich vereinbarter Ziele gekn\u00fcpft. Die jeweiligen Step-In Kriterien sowie die </span></div><div class=\"ps28636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">individuellen Leistungsziele sind der aktuellen Verg\u00fctungspolitik zu entnehmen (www.rbinternational.com \u2192 Corporate <span class=\"f ps24\"> </span></span></div><div class=\"ps28637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Governance &amp; Verg\u00fctung \u2192 Verg\u00fctungspolitik). </span></div><div class=\"ps28638 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die H\u00f6he des Bonus wird anhand der Eigenkapitalrendite (Return on Equity) und der Cost/Income Ratio bestimmt, wobei die zu </span></div><div class=\"ps28639 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erreichenden Zielwerte die sogenannten strategischen Ziele f\u00fcr den Return on Equity und der Cost/Income Ratio auf RBI Ebene </span></div><div class=\"ps28640 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abbilden.</span></div><div class=\"ps28641 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Vorstandsmitglieder gelten grunds\u00e4tzlich dieselben Regelungen wie f\u00fcr Mitarbeiter:innen, die einen Grundbeitrag </span></div><div class=\"ps28642 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">seitens des Unternehmens zu einer Pensionskasse und einen Zusatzbeitrag vorsehen, wenn die Mitarbeiter:innen Eigenbeitr\u00e4ge </span></div><div class=\"ps28643 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in derselben H\u00f6he leisten. </span></div><div class=\"ps28644 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Mitglieder des Vorstands richten sich die Anspr\u00fcche im Fall der Beendigung der Funktion bzw. des Dienstverh\u00e4ltnisses </span></div><div class=\"ps28645 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und des Ausscheidens aus dem Unternehmen nach dem Betrieblichen Mitarbeitervorsorgegesetz. Die Abfertigungsanspr\u00fcche </span></div><div class=\"ps28646 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df vertraglicher Vereinbarung verfallen grunds\u00e4tzlich bei K\u00fcndigung durch den Dienstnehmer. </span></div><div class=\"ps26666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zudem besteht \u00fcber eine Pensionskasse eine individuelle Pensionszusage, die durch eine R\u00fcckdeckungsversicherung </span></div><div class=\"ps26667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgesichert ist. Die Vorstandsvertr\u00e4ge sind f\u00fcr die Dauer der Funktionsperioden bzw. befristet auf maximal f\u00fcnf Jahre <span class=\"f ps24\"> </span></span></div><div class=\"ps26668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeschlossen. Die Abfindungszahlungen bei vorzeitiger Beendigung der Vorstandst\u00e4tigkeit ohne wichtigen Grund betragen </span></div><div class=\"ps26669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">maximal zwei Jahresgesamtverg\u00fctungen (ausgenommen bei einem Vorstandsmitglied aufgrund fr\u00fcherer vertraglicher </span></div><div class=\"ps26671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarungen). </span></div><div class=\"ps28647 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">An ehemalige Mitglieder des Vorstands und ihre Hinterbliebenen wurden im Gesch\u00e4ftsjahr \u20ac 1.601 Tausend an </span></div><div class=\"ps28648 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Versorgungsleistungen ausbezahlt (Vorjahr: \u20ac 1.610 Tausend). Zus\u00e4tzlich zu diesen Betr\u00e4gen wurden kurzfristig f\u00e4llige </span></div><div class=\"ps28649 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen und zeitlich verschobene Bonusanteile an ehemalige Mitglieder des Vorstands sowie Abfertigungszahlungen und </span></div><div class=\"ps28650 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen aus Anlass der Beendigung in H\u00f6he von insgesamt \u20ac 448 Tausend (Vorjahr: \u20ac 813 Tausend) bezahlt.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(57) Organe<span id=\"i9f7d742b361448a88898a3c811e02134\"></span></span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Vorstand<span id=\"i622e2f7a01044c1d9f8b35a2f47f33b1\"></span></span></div><div class=\"ps15204 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:120.75pt\"></td><td style=\"padding:0;width:120.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">Vorstandsmitglieder<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26539 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Erstbestellung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26085 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Ende der Funktionsperiode<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Johann Strobl, Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25750 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28652 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">30. Juni 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Marie-Valerie Brunner<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26543 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. November 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26088 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. Oktober 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Andreas Gschwenter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25755 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. Juli 2015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28653 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">30. Juni 2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1462\"><div><div class=\"ps31 ss1461\" style=\"font-size:12pt\"><span class=\"f charStyle-6d404c82 ps30\">Lic. Mgr. \u0141ukasz Januszewski</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-6d404c82 ps30\">1. M\u00e4rz 2018</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28654 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">30. April 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Kamila Makhmudova, LL.M. MBA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26548 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-6d404c82 ps30\">1. J\u00e4nner 2026</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28655 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. Dezember 2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Hannes M\u00f6senbacher<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26552 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">18. M\u00e4rz 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28656 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">28. Februar 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Andrii Stepanenko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26556 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. M\u00e4rz 2018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28657 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">28. Februar 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28658 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Aufsichtsrat beschloss eine Neuausrichtung der Ressortverteilung im Vorstand und berief im Oktober 2025 zwei neue </span></div><div class=\"ps28659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitglieder in den Vorstand: Die CFO-Funktion ist seit 1. J\u00e4nner 2026 wieder ein eigenes Vorstandsressort und wird von Kamila </span></div><div class=\"ps28660 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makhmudova, LL.M. MBA wahrgenommen. Neues Vorstandsmitglied f\u00fcr CIB Products &amp; Solutions ist Mag. Rainer Schnabl, der </span></div><div class=\"ps28661 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am 1. M\u00e4rz 2026 die Nachfolge von Lic. Mgr. \u0141ukasz Januszewski antritt. Weiters entschied der Aufsichtsrat, die Position des </span></div><div class=\"ps28662 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CEO per 1. Juli 2026 mit Mag. Michael H\u00f6llerer neu zu besetzen sowie die Funktionsperiode des Vorstandsmitglieds Mag. </span></div><div class=\"ps28663 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Andreas Gschwenter bis zum 30. Juni 2029 zu verl\u00e4ngern. Die Steuerung des Gesch\u00e4ftsbereichs Retail erfolgt nach dem </span></div><div class=\"ps28664 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslaufen des Vorstandsmandats von Andrii Stepanenko am 28. Februar 2026 durch den CEO.</span></div><div class=\"ps28666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aufsichtsrat<span id=\"i3f2dc8b326df4ce0b753f69f0e4209ef\"></span></span></div><div class=\"ps28696 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:120.75pt\"></td><td style=\"padding:0;width:120.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufsichtsratsmitglieder<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26539 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Erstbestellung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26085 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Ende der Funktionsperiode<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Erwin Hameseder, Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25750 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28652 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">MMag. Martin Schaller, 1. stellvertretender Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26543 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">4. Juni 2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26088 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Reinhard Schwendtbauer, 2. stellvertretender Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25755 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">26. M\u00e4rz 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28653 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-f7293bcd ps30\">Dr. Heinrich Schaller, 2. stellvertretender Vorsitzender</span><span class=\"f charStyle-cc4ae03e ps28667\"><span class=\"f ps24\"> </span><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">20. Juni 2012<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28654 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Michael Alge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26548 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. M\u00e4rz 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28655 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Univ.-Prof. Dr. Eva Eberhartinger, LL.M.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26552 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28656 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Dr. Andrea Gaal<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26556 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">21. Juni 2018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28657 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Michael H\u00f6llerer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28668 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. M\u00e4rz 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28669 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Rudolf K\u00f6nighofer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28670 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28671 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Heinz Konrad<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28672 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">20. Oktober 2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28673 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-f7293bcd ps30\">Dr. Reinhard Mayr</span><span class=\"f charStyle-cc4ae03e ps28674\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28675 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">20. Oktober 2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28676 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Birgit Noggler<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28677 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28678 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Dr. Christof Splechtna<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28679 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">26. M\u00e4rz 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28680 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Manfred Wilhelmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25796 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">21. November 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28681 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Dr. Natalie Egger-Grunicke</span><span class=\"f charStyle-ef1a5293 ps28682\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25800 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">18. Februar 2016<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28683 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Peter Anzeletti-Reikl</span><span class=\"f charStyle-ef1a5293 ps28684\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25804 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28685 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Rudolf Kortenhof</span><span class=\"f charStyle-ef1a5293 ps28686\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25808 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28687 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. (FH) Gebhard Muster</span><span class=\"f charStyle-ef1a5293 ps28688\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25812 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28689 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Helge Rechberger</span><span class=\"f charStyle-ef1a5293 ps28690\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28691 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28692 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Denise Simek</span><span class=\"f charStyle-ef1a5293 ps28693\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28694 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. Oktober 2021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28695 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss1497\"><div><div class=\"ps877 ss1461\"><span class=\"f charStyle-2babd150 ps30\">1 Ausgeschieden mit der ordentlichen Hauptversammlung 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps14394 ss1497\"><div><div class=\"ps877 ss1461\"><span class=\"f charStyle-2babd150 ps30\">2 Vom Betriebsrat entsendet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-548": {
   "value": "<div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_979\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(58) Zusammensetzung des Konzerns<span id=\"ib8f8dc70651747e19fbbb1d24facbd4a_20925\"></span><span id=\"i22daa7d8f7c34d9fb05f244480209be5\"></span></span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Tochterunternehmen<span id=\"i031f5b6de25c4a31aa02cbcd275bb80f\"></span></span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle wesentlichen Tochterunternehmen, bei denen die RBI AG direkt oder indirekt beherrschenden Einfluss aus\u00fcbt, werden </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollkonsolidiert. Der Konzern beherrscht ein Unternehmen, wenn er aus seiner Verbindung mit dem Unternehmen variablen </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckfl\u00fcssen ausgesetzt ist und die F\u00e4higkeit besitzt, diese R\u00fcckfl\u00fcsse mittels seiner Verf\u00fcgungsgewalt zu beeinflussen. Nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps23038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollkonsolidierte Anteile an Tochterunternehmen werden im Bilanzposten Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps28702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen ausgewiesen. </span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sind Stimmrechte ma\u00dfgeblich, beherrscht der Konzern ein Unternehmen, wenn er direkt oder indirekt mehr als 50 Prozent der </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stimmrechte an dem Unternehmen besitzt, ausgenommen es gibt Anzeichen, dass ein anderer Investor \u00fcber die praktische </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00f6glichkeit verf\u00fcgt, die relevanten T\u00e4tigkeiten einseitig zu bestimmen. Einer oder mehrere der folgenden Faktoren deuten auf </span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Anzeichen hin:</span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor besitzt aufgrund einer Vereinbarung mit dem Konzern die Beherrschungsm\u00f6glichkeit \u00fcber mehr </span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">als die H\u00e4lfte der Stimmrechte.</span></div><div class=\"ps28703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor besitzt aufgrund gesetzlicher Regelungen oder einer Vereinbarung die M\u00f6glichkeit zur </span></div><div class=\"ps28704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Beherrschung der Finanzpolitik und der gesch\u00e4ftlichen T\u00e4tigkeiten der Beteiligung.</span></div><div class=\"ps28705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor beherrscht die Beteiligung aufgrund seiner M\u00f6glichkeit zur Bestellung und Abberufung der <span class=\"f ps24\"> </span></span></div><div class=\"ps28706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Mehrheit der Vorstandsmitglieder oder der Mitglieder eines gleichwertigen Leitungsorgans.</span></div><div class=\"ps28707 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor beherrscht das Unternehmen aufgrund seiner M\u00f6glichkeit, \u00fcber die Mehrheit der abzugebenden </span></div><div class=\"ps28708 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Stimmrechte bei einer Sitzung des Vorstands oder eines gleichwertigen Leitungsorgans zu verf\u00fcgen.</span></div><div class=\"ps15370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Beurteilung der Beherrschung werden auch potenzielle Stimmrechte ber\u00fccksichtigt, soweit diese als substanziell </span></div><div class=\"ps28709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erachtet werden.</span></div><div class=\"ps28710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4hnlich beurteilt der Konzern das Vorliegen einer Beherrschung in F\u00e4llen, in denen er nicht die Mehrheit der Stimmrechte besitzt, </span></div><div class=\"ps21285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber die praktische M\u00f6glichkeit zur einseitigen Lenkung der relevanten T\u00e4tigkeiten hat. Dies kann der Fall sein, wenn der </span></div><div class=\"ps21286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern aufgrund der Gr\u00f6\u00dfe und Verteilung des Stimmrechtsbesitzes der Anteilseigner die M\u00f6glichkeit zur Beherrschung der </span></div><div class=\"ps21287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">relevanten T\u00e4tigkeiten besitzt. </span></div><div class=\"ps28711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso wie bei Tochterunternehmen ist die Konsolidierung von strukturierten Unternehmen erforderlich, wenn der Konzern das </span></div><div class=\"ps28712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen beherrscht. Strukturierte Unternehmen sind dadurch gekennzeichnet, dass die Stimmrechte oder vergleichbare </span></div><div class=\"ps28713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechte nicht der dominante Faktor bei der Festlegung der Beherrschung sind. Zur Bestimmung der Beherrschung \u00fcber solche </span></div><div class=\"ps28714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen pr\u00fcft der Konzern eine Reihe von Kontrollfaktoren welche anlassbezogen, mindestens jedoch quartalsweise, </span></div><div class=\"ps28716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberpr\u00fcft werden<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps28715\">.</span></div><div class=\"ps28717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen werden grunds\u00e4tzlich ab dem Tag in den Konsolidierungskreis einbezogen, an dem der Konzern direkt </span></div><div class=\"ps28718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder indirekt die Kontrolle erlangt, und scheiden ab dem Zeitpunkt, ab dem die Bank nicht l\u00e4nger beherrschenden Einfluss </span></div><div class=\"ps28719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus\u00fcbt, aus dem Konsolidierungskreis aus. Die Ergebnisse der im Lauf des Jahres erworbenen oder ver\u00e4u\u00dferten </span></div><div class=\"ps28720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen werden ab \u00dcbernahme der Beherrschung oder bis zum Wegfall der Beherrschung in der Konzern-</span></div><div class=\"ps28721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung erfasst. Bei der Erstkonsolidierung von bisher aufgrund der Unwesentlichkeit nicht einbezogenen beherrschten </span></div><div class=\"ps28722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen, werden die Wert\u00e4nderungen einzelner Verm\u00f6genswerte und Verpflichtungen zwischen dem Erwerbs- </span></div><div class=\"ps28723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. Gr\u00fcndungszeitpunkt und der erstmaligen Konsolidierung sowie in diesem Zeitraum erwirtschaftete Gewinne/Verluste des </span></div><div class=\"ps28724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betreffenden Tochterunternehmens direkt im Eigenkapital ber\u00fccksichtigt. Diese Anpassungen werden in den sonstigen </span></div><div class=\"ps28725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderungen ausgewiesen. Der Konzern \u00fcberpr\u00fcft zumindest zu jedem Quartalsabschluss die Angemessenheit zuvor </span></div><div class=\"ps28726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getroffener Konsolidierungsentscheidungen. Entsprechend werden etwaige organisatorische Ver\u00e4nderungen unmittelbar </span></div><div class=\"ps28727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt. Dazu geh\u00f6ren neben \u00c4nderungen der Eigentumsverh\u00e4ltnisse jegliche \u00c4nderungen von bestehenden oder mit </span></div><div class=\"ps28728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Einheit neu abgeschlossenen vertraglichen Verpflichtungen des Konzerns. </span></div><div class=\"ps28729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kapital nicht beherrschender Anteile wird in der Konzernbilanz als Bestandteil des Eigenkapitals, aber getrennt von den </span></div><div class=\"ps28730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktion\u00e4r:innen der RBI AG zurechenbaren Eigenkapital ausgewiesen. Das Ergebnis nicht beherrschender Anteile wird in der </span></div><div class=\"ps28731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung separat ausgewiesen.</span></div><div class=\"ps28732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Schuldenkonsolidierung werden konzerninterne Forderungen und Verbindlichkeiten miteinander aufgerechnet. </span></div><div class=\"ps28733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dabei verbleibende zeitliche Differenzen werden in der Konzernbilanz unter den Posten sonstige Aktiva bzw. sonstige Passiva </span></div><div class=\"ps28734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen.</span></div><div class=\"ps28735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerninterne Aufwendungen und Ertr\u00e4ge werden ebenfalls miteinander aufgerechnet, wobei tempor\u00e4re </span></div><div class=\"ps28736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnungsdifferenzen aus dem Bankgesch\u00e4ft teils im Zinsergebnis und teils im Handelsergebnis dargestellt werden. Andere </span></div><div class=\"ps28737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Differenzen werden in dem Posten sonstiges betriebliches Ergebnis erfasst.</span></div><div class=\"ps28738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwischengewinne werden dann eliminiert, wenn sie wesentlichen Einfluss auf die Posten der Erfolgsrechnung haben. Gesch\u00e4fte, </span></div><div class=\"ps28739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die zwischen den einzelnen Gesellschaften des Konzerns get\u00e4tigt werden, erfolgen grunds\u00e4tzlich zu Marktkonditionen.</span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00c4nderungen der Beteiligungsquote des Konzerns an bestehenden <span id=\"i201bea91f9664bcdb3c86474086ae8dc\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Tochterunternehmen</span></div><div class=\"ps15585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden im Zuge der Folgekonsolidierung bei bereits bestehender Beherrschung weitere Anteile erworben oder Anteile ohne </span></div><div class=\"ps15587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrollverlust ver\u00e4u\u00dfert, werden diese Vorg\u00e4nge erfolgsneutral als Eigenkapitaltransaktionen dargestellt. Die Buchwerte der </span></div><div class=\"ps15588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Konzern gehaltenen Anteile und der nicht beherrschenden Anteile werden so angepasst, dass sie die \u00c4nderungen der an </span></div><div class=\"ps15590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Tochterunternehmen bestehenden Anteilsquoten widerspiegeln. Jede Differenz zwischen dem Betrag, um den die nicht </span></div><div class=\"ps15591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beherrschenden Anteile angepasst werden, und dem beizulegenden Zeitwert der gezahlten oder erhaltenen Gegenleistung </span></div><div class=\"ps15592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird unmittelbar im Eigenkapital erfasst und den Gesellschaftern des Mutterunternehmens zugeordnet.</span></div><div class=\"ps28741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn die Gesellschaft die Beherrschung \u00fcber ein Tochterunternehmen verliert, wird der Entkonsolidierungsgewinn oder -verlust </span></div><div class=\"ps28742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgswirksam erfasst. Dieser wird ermittelt aus der Differenz zwischen</span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">dem Gesamtbetrag des beizulegenden Zeitwerts der erhaltenen Gegenleistung und dem beizulegenden Zeitwert der </span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zur\u00fcckbehaltenen Anteile </span></div><div class=\"ps28743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">und dem Buchwert der Verm\u00f6genswerte (einschlie\u00dflich des Gesch\u00e4fts- oder Firmenwerts), der Schulden des </span></div><div class=\"ps28744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Tochterunternehmens und aller nicht beherrschenden Anteile.</span></div><div class=\"ps28745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle im Zusammenhang mit diesem Tochterunternehmen im sonstigen Ergebnis ausgewiesenen Betr\u00e4ge werden so bilanziert, </span></div><div class=\"ps28746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wie dies bei einem Verkauf der Verm\u00f6genswerte erfolgen w\u00fcrde, d. h. es erfolgt eine Umgliederung in die Erfolgsrechnung oder </span></div><div class=\"ps28747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine direkte \u00dcbertragung in die Gewinnr\u00fccklagen.</span></div><div class=\"ps28748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Assoziierte Unternehmen<span id=\"ia9f38cf6cbef463691383b320f735293\"></span></span></div><div class=\"ps21283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein assoziiertes Unternehmen ist ein Unternehmen, auf das der Konzern ma\u00dfgeblichen Einfluss hat. Ma\u00dfgeblicher Einfluss ist die </span></div><div class=\"ps28749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00f6glichkeit, an den finanz- und gesch\u00e4ftspolitischen Entscheidungen des Unternehmens, an dem die Beteiligung gehalten wird, </span></div><div class=\"ps28750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mitzuwirken. Dabei liegt weder Beherrschung noch gemeinschaftliche F\u00fchrung der Entscheidungsprozesse vor. In der Regel wird </span></div><div class=\"ps28751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ein ma\u00dfgeblicher Einfluss vermutet, wenn der Konzern zwischen 20 und 50 Prozent der Stimmrechte h\u00e4lt. Bei der Beurteilung, </span></div><div class=\"ps28752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ob der Konzern die M\u00f6glichkeit besitzt, einen ma\u00dfgeblichen Einfluss auf ein anderes Unternehmen auszu\u00fcben, werden die </span></div><div class=\"ps28753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Existenz sowie der Effekt potenzieller Stimmrechte, die aktuell aus\u00fcbbar oder wandelbar sind, ber\u00fccksichtigt. Weitere Faktoren, </span></div><div class=\"ps28754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die zur Beurteilung eines ma\u00dfgeblichen Einflusses herangezogen werden, sind beispielsweise die Vertretung in Leitungs- und </span></div><div class=\"ps28755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsgremien (bei \u00f6sterreichischen Aktiengesellschaften im Aufsichtsrat) des Beteiligungsunternehmens sowie wesentliche </span></div><div class=\"ps28756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsvorf\u00e4lle mit dem Beteiligungsunternehmen. Anteile an wesentlichen assoziierten Unternehmen werden at-equity </span></div><div class=\"ps28757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einbezogen und im Bilanzposten Anteile an Tochterunternehmen und assoziierten Unternehmen in dem Unterposten Anteile an </span></div><div class=\"ps28758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">at-equity bewerteten Unternehmen ausgewiesen.</span></div><div class=\"ps28759 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Anschaffungskosten dieser Beteiligungen einschlie\u00dflich darin enthaltener Gesch\u00e4fts- oder Firmenwerte werden zum </span></div><div class=\"ps28760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt der erstmaligen Einbeziehung in den Konzernabschluss bestimmt. Dabei werden dieselben Regeln angewendet wie </span></div><div class=\"ps28761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei vollkonsolidierten Unternehmen (Aufrechnung der Anschaffungskosten mit dem zum Fair Value bewerteten anteiligen </span></div><div class=\"ps28762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoverm\u00f6gen). Sofern assoziierte Unternehmen wesentlich sind, wird eine Fortschreibung des Equity-Buchwerts </span></div><div class=\"ps28763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsprechend der jeweiligen anteiligen Entwicklung des Eigenkapitals der Unternehmen vorgenommen. Jahresergebnisse aus </span></div><div class=\"ps28764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">at-equity bewerteten Unternehmen werden saldiert im Posten laufendes Ergebnis aus assoziierten Unternehmen dargestellt. </span></div><div class=\"ps28765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zurechenbare Verluste der at-equity bewerteten Unternehmen werden nur bis zur H\u00f6he des Equity-Buchwerts ber\u00fccksichtigt. </span></div><div class=\"ps28766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbersteigende Verluste werden nicht erfasst, da keine Verpflichtung besteht, die \u00fcbersteigenden Verluste auszugleichen. </span></div><div class=\"ps28767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden die beim assoziierten Unternehmen erfolgsneutral erfassten Bewertungen im Konzernabschluss der RBI </span></div><div class=\"ps28768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ebenfalls erfolgsneutral im sonstigen Ergebnis dargestellt. Dies betrifft insbesondere Bewertungen von finanziellen </span></div><div class=\"ps28769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten \u2013 Fair Value Through Other Comprehensive Income. An jedem Bilanzstichtag beurteilt der Konzern, inwiefern </span></div><div class=\"ps28770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">objektive Hinweise auf eine Wertminderung der Anteile an einem assoziierten Unternehmen vorliegen. Wenn objektive Hinweise </span></div><div class=\"ps28771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf eine Wertminderung vorliegen, wird eine Werthaltigkeitspr\u00fcfung durchgef\u00fchrt, indem der erzielbare Betrag der Beteiligung, </span></div><div class=\"ps28772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der dem jeweils h\u00f6heren Wert aus dem Nutzungswert und dem beizulegenden Zeitwert abz\u00fcglich Verkaufskosten entspricht, </span></div><div class=\"ps28773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit deren Buchwert verglichen wird. Eine in Vorperioden erfasste Wertminderung wird nur r\u00fcckg\u00e4ngig gemacht, wenn sich die </span></div><div class=\"ps28774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei der Bestimmung des erzielbaren Betrags der Beteiligung zugrunde liegenden Annahmen seit der letzten Erfassung eines </span></div><div class=\"ps28775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungsverlusts ge\u00e4ndert haben. In diesem Fall wird der Buchwert der Beteiligung auf ihren h\u00f6heren erzielbaren Betrag </span></div><div class=\"ps28776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeschrieben.</span></div><div class=\"ps28777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Unternehmenserwerbe<span id=\"id0a0473ba2084a72939adf641cab9bf9\"></span></span></div><div class=\"ps28778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Erwerb von Gesch\u00e4ftsbetrieben wird nach der Erwerbsmethode bilanziert. Die bei einem Unternehmenszusammenschluss </span></div><div class=\"ps28779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbertragene Gegenleistung wird zum beizulegenden Zeitwert bewertet. Dieser bestimmt sich aus der Summe der zum </span></div><div class=\"ps28780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erwerbszeitpunkt g\u00fcltigen beizulegenden Zeitwerte der \u00fcbertragenen Verm\u00f6genswerte, der von den fr\u00fcheren Eigent\u00fcmer:innen </span></div><div class=\"ps28781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des erworbenen Unternehmens \u00fcbernommenen Schulden und der vom Konzern emittierten Eigenkapitalinstrumente im </span></div><div class=\"ps28782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Austausch gegen die Beherrschung des erworbenen Unternehmens. Mit dem Unternehmenszusammenschluss verbundene </span></div><div class=\"ps28783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionskosten werden bei Anfall erfolgswirksam erfasst.</span></div><div class=\"ps28784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Gesch\u00e4fts- oder Firmenwert ergibt sich als \u00dcberschuss der Summe aus der \u00fcbertragenen Gegenleistung, dem Betrag aller </span></div><div class=\"ps28785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht beherrschenden Anteile an dem erworbenen Unternehmen und dem beizulegenden Zeitwert des zuvor vom Erwerber </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gehaltenen Eigenkapitalanteils an dem erworbenen Unternehmen (sofern gegeben) \u00fcber den Saldo der zum Erwerbszeitpunkt </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelten beizulegenden Zeitwerte der erworbenen identifizierbaren Verm\u00f6genswerte und der \u00fcbernommenen Schulden. F\u00fcr </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Fall, dass sich \u2013 auch nach nochmaliger Beurteilung \u2013 ein negativer Unterschiedsbetrag ergibt, wird dieser unmittelbar als </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertrag in der Erfolgsrechnung erfasst.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteile nicht beherrschender Gesellschafter, die gegenw\u00e4rtig Eigentumsrechte vermitteln und dem Inhaber im Fall der </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidation das Recht gew\u00e4hren, einen proportionalen Anteil am Nettoverm\u00f6gen des Unternehmens zu erhalten, werden bei </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugang entweder zum beizulegenden Zeitwert oder zum entsprechenden Anteil des identifizierbaren Nettoverm\u00f6gens </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet. Dieses Wahlrecht kann bei jedem Unternehmenszusammenschluss neu ausge\u00fcbt werden. Andere Komponenten von </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteilen nicht beherrschender Gesellschafter werden mit ihren beizulegenden Zeitwerten oder den Wertma\u00dfst\u00e4ben bewertet, </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die sich aus anderen Standards ergeben. </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Enth\u00e4lt die \u00fcbertragene Gegenleistung eine bedingte Gegenleistung, wird diese mit dem zum Erwerbszeitpunkt geltenden </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert bewertet. Handelt es sich bei der bedingten Gegenleistung um Eigenkapital, erfolgt keine </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Folgebewertung an nachfolgenden Abschlussstichtagen; ihre Erf\u00fcllung wird innerhalb des Eigenkapitals bilanziert. Eine </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bedingte Gegenleistung, die einen Verm\u00f6genswert oder eine Schuld darstellt, wird an nachfolgenden Abschlussstichtagen zum </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert bewertet und ein resultierender Gewinn oder Verlust in der Erfolgsrechnung erfasst.</span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassungen der Bewertung oder der zus\u00e4tzliche Ansatz weiterer Verm\u00f6genswerte und Schulden, um zus\u00e4tzliche </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen \u00fcber Fakten und Umst\u00e4nde widerzuspiegeln, die bereits zum Erwerbszeitpunkt bestanden, werden innerhalb des </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungszeitraums r\u00fcckwirkend korrigiert und entsprechend gegen den Gesch\u00e4fts- oder Firmenwert gebucht. Der </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungszeitraum darf ein Jahr vom Erwerbszeitpunkt an nicht \u00fcberschreiten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-549": {
   "value": "<div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Tochterunternehmen<span id=\"i031f5b6de25c4a31aa02cbcd275bb80f\"></span></span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle wesentlichen Tochterunternehmen, bei denen die RBI AG direkt oder indirekt beherrschenden Einfluss aus\u00fcbt, werden </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollkonsolidiert. Der Konzern beherrscht ein Unternehmen, wenn er aus seiner Verbindung mit dem Unternehmen variablen </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckfl\u00fcssen ausgesetzt ist und die F\u00e4higkeit besitzt, diese R\u00fcckfl\u00fcsse mittels seiner Verf\u00fcgungsgewalt zu beeinflussen. Nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps23038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollkonsolidierte Anteile an Tochterunternehmen werden im Bilanzposten Anteile an Tochterunternehmen und assoziierten <span class=\"f ps24\"> </span></span></div><div class=\"ps28702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen ausgewiesen. </span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sind Stimmrechte ma\u00dfgeblich, beherrscht der Konzern ein Unternehmen, wenn er direkt oder indirekt mehr als 50 Prozent der </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stimmrechte an dem Unternehmen besitzt, ausgenommen es gibt Anzeichen, dass ein anderer Investor \u00fcber die praktische </span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00f6glichkeit verf\u00fcgt, die relevanten T\u00e4tigkeiten einseitig zu bestimmen. Einer oder mehrere der folgenden Faktoren deuten auf </span></div><div class=\"ps24491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Anzeichen hin:</span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor besitzt aufgrund einer Vereinbarung mit dem Konzern die Beherrschungsm\u00f6glichkeit \u00fcber mehr </span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">als die H\u00e4lfte der Stimmrechte.</span></div><div class=\"ps28703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor besitzt aufgrund gesetzlicher Regelungen oder einer Vereinbarung die M\u00f6glichkeit zur </span></div><div class=\"ps28704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Beherrschung der Finanzpolitik und der gesch\u00e4ftlichen T\u00e4tigkeiten der Beteiligung.</span></div><div class=\"ps28705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor beherrscht die Beteiligung aufgrund seiner M\u00f6glichkeit zur Bestellung und Abberufung der <span class=\"f ps24\"> </span></span></div><div class=\"ps28706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Mehrheit der Vorstandsmitglieder oder der Mitglieder eines gleichwertigen Leitungsorgans.</span></div><div class=\"ps28707 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Ein anderer Investor beherrscht das Unternehmen aufgrund seiner M\u00f6glichkeit, \u00fcber die Mehrheit der abzugebenden </span></div><div class=\"ps28708 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Stimmrechte bei einer Sitzung des Vorstands oder eines gleichwertigen Leitungsorgans zu verf\u00fcgen.</span></div><div class=\"ps15370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Beurteilung der Beherrschung werden auch potenzielle Stimmrechte ber\u00fccksichtigt, soweit diese als substanziell </span></div><div class=\"ps28709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erachtet werden.</span></div><div class=\"ps28710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4hnlich beurteilt der Konzern das Vorliegen einer Beherrschung in F\u00e4llen, in denen er nicht die Mehrheit der Stimmrechte besitzt, </span></div><div class=\"ps21285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber die praktische M\u00f6glichkeit zur einseitigen Lenkung der relevanten T\u00e4tigkeiten hat. Dies kann der Fall sein, wenn der </span></div><div class=\"ps21286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzern aufgrund der Gr\u00f6\u00dfe und Verteilung des Stimmrechtsbesitzes der Anteilseigner die M\u00f6glichkeit zur Beherrschung der </span></div><div class=\"ps21287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">relevanten T\u00e4tigkeiten besitzt. </span></div><div class=\"ps28711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenso wie bei Tochterunternehmen ist die Konsolidierung von strukturierten Unternehmen erforderlich, wenn der Konzern das </span></div><div class=\"ps28712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen beherrscht. Strukturierte Unternehmen sind dadurch gekennzeichnet, dass die Stimmrechte oder vergleichbare </span></div><div class=\"ps28713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechte nicht der dominante Faktor bei der Festlegung der Beherrschung sind. Zur Bestimmung der Beherrschung \u00fcber solche </span></div><div class=\"ps28714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen pr\u00fcft der Konzern eine Reihe von Kontrollfaktoren welche anlassbezogen, mindestens jedoch quartalsweise, </span></div><div class=\"ps28716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberpr\u00fcft werden<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps28715\">.</span></div><div class=\"ps28717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen werden grunds\u00e4tzlich ab dem Tag in den Konsolidierungskreis einbezogen, an dem der Konzern direkt </span></div><div class=\"ps28718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder indirekt die Kontrolle erlangt, und scheiden ab dem Zeitpunkt, ab dem die Bank nicht l\u00e4nger beherrschenden Einfluss </span></div><div class=\"ps28719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus\u00fcbt, aus dem Konsolidierungskreis aus. Die Ergebnisse der im Lauf des Jahres erworbenen oder ver\u00e4u\u00dferten </span></div><div class=\"ps28720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen werden ab \u00dcbernahme der Beherrschung oder bis zum Wegfall der Beherrschung in der Konzern-</span></div><div class=\"ps28721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung erfasst. Bei der Erstkonsolidierung von bisher aufgrund der Unwesentlichkeit nicht einbezogenen beherrschten </span></div><div class=\"ps28722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen, werden die Wert\u00e4nderungen einzelner Verm\u00f6genswerte und Verpflichtungen zwischen dem Erwerbs- </span></div><div class=\"ps28723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. Gr\u00fcndungszeitpunkt und der erstmaligen Konsolidierung sowie in diesem Zeitraum erwirtschaftete Gewinne/Verluste des </span></div><div class=\"ps28724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betreffenden Tochterunternehmens direkt im Eigenkapital ber\u00fccksichtigt. Diese Anpassungen werden in den sonstigen </span></div><div class=\"ps28725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderungen ausgewiesen. Der Konzern \u00fcberpr\u00fcft zumindest zu jedem Quartalsabschluss die Angemessenheit zuvor </span></div><div class=\"ps28726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getroffener Konsolidierungsentscheidungen. Entsprechend werden etwaige organisatorische Ver\u00e4nderungen unmittelbar </span></div><div class=\"ps28727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt. Dazu geh\u00f6ren neben \u00c4nderungen der Eigentumsverh\u00e4ltnisse jegliche \u00c4nderungen von bestehenden oder mit </span></div><div class=\"ps28728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Einheit neu abgeschlossenen vertraglichen Verpflichtungen des Konzerns. </span></div><div class=\"ps28729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kapital nicht beherrschender Anteile wird in der Konzernbilanz als Bestandteil des Eigenkapitals, aber getrennt von den </span></div><div class=\"ps28730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktion\u00e4r:innen der RBI AG zurechenbaren Eigenkapital ausgewiesen. Das Ergebnis nicht beherrschender Anteile wird in der </span></div><div class=\"ps28731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung separat ausgewiesen.</span></div><div class=\"ps28732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Schuldenkonsolidierung werden konzerninterne Forderungen und Verbindlichkeiten miteinander aufgerechnet. </span></div><div class=\"ps28733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dabei verbleibende zeitliche Differenzen werden in der Konzernbilanz unter den Posten sonstige Aktiva bzw. sonstige Passiva </span></div><div class=\"ps28734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen.</span></div><div class=\"ps28735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerninterne Aufwendungen und Ertr\u00e4ge werden ebenfalls miteinander aufgerechnet, wobei tempor\u00e4re </span></div><div class=\"ps28736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnungsdifferenzen aus dem Bankgesch\u00e4ft teils im Zinsergebnis und teils im Handelsergebnis dargestellt werden. Andere </span></div><div class=\"ps28737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Differenzen werden in dem Posten sonstiges betriebliches Ergebnis erfasst.</span></div><div class=\"ps28738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwischengewinne werden dann eliminiert, wenn sie wesentlichen Einfluss auf die Posten der Erfolgsrechnung haben. Gesch\u00e4fte, </span></div><div class=\"ps28739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die zwischen den einzelnen Gesellschaften des Konzerns get\u00e4tigt werden, erfolgen grunds\u00e4tzlich zu Marktkonditionen.</span></div><div class=\"ps28786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Vollkonsolidierte Tochterunternehmen \u2013 RBI h\u00e4lt weniger als 50 Prozent der <span id=\"id4f6be6f07c842e3a48fda053c063b5b\"></span></span></div><div class=\"ps28787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stimmrechtsanteile</span></div><div class=\"ps27580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen, bei denen der Konzern weniger als die H\u00e4lfte der Stimmrechte h\u00e4lt, werden vollkonsolidiert, wenn die RBI </span></div><div class=\"ps24557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber die effektive Kontrolle nach den Kriterien von IFRS 10 verf\u00fcgt. Hierbei wird unter anderem \u00fcberpr\u00fcft, ob der Konzern </span></div><div class=\"ps24558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schwankenden Renditen aus seinem Engagement in den Beteiligungsunternehmen ausgesetzt ist, bzw. Anrechte auf diese </span></div><div class=\"ps27258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besitzt und die F\u00e4higkeit hat, diese Renditen mittels seiner Verf\u00fcgungsgewalt \u00fcber das Beteiligungsunternehmen zu </span></div><div class=\"ps27581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen.</span></div><div class=\"ps26907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strukturierte Einheiten wurden so konzipiert, dass die Stimmrechte oder vergleichbare Rechte nicht der dominierende Faktor </span></div><div class=\"ps26908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind, wenn es darum geht, festzulegen, wer das Unternehmen beherrscht.</span></div><div class=\"ps28788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Konzern gibt es einige Leasingobjektgesellschaften in der Rechtsform einer GmbH &amp; Co KG, bei denen eine </span></div><div class=\"ps28789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerngesellschaft als Komplement\u00e4r fungiert. Durch die \u00dcbernahme der pers\u00f6nlichen Haftung wird die Variabilit\u00e4t der </span></div><div class=\"ps28790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rendite aus den strukturierten Unternehmen \u00fcbernommen. Diese Unternehmen sind in der Liste der vollkonsolidierten </span></div><div class=\"ps28791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbundenen Unternehmen enthalten. </span></div><div class=\"ps28792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Nicht vollkonsolidierte Tochterunternehmen \u2013 RBI h\u00e4lt mehr als 50 Prozent der <span id=\"id51a397ad2a446cdab11d607dd8aa359\"></span></span></div><div class=\"ps28793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Stimmrechtsanteile</span></div><div class=\"ps28794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund untergeordneter Bedeutung f\u00fcr die Verm\u00f6gens-, Finanz- und Ertragslage wurde auf die Einbeziehung von 247 </span></div><div class=\"ps28795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen (Vorjahr: 262) verzichtet. Die Bilanzsumme der nicht einbezogenen Unternehmen betr\u00e4gt insgesamt </span></div><div class=\"ps28796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weniger als 1 Prozent der Bilanzsumme des Konzerns.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-550": {
   "value": "<div class=\"ps28729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kapital nicht beherrschender Anteile wird in der Konzernbilanz als Bestandteil des Eigenkapitals, aber getrennt von den </span></div><div class=\"ps28730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktion\u00e4r:innen der RBI AG zurechenbaren Eigenkapital ausgewiesen. Das Ergebnis nicht beherrschender Anteile wird in der </span></div><div class=\"ps28731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erfolgsrechnung separat ausgewiesen.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">\u00c4nderungen der Beteiligungsquote des Konzerns an bestehenden <span id=\"i201bea91f9664bcdb3c86474086ae8dc\"></span></span></div><div class=\"ps5180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Tochterunternehmen</span></div><div class=\"ps15585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werden im Zuge der Folgekonsolidierung bei bereits bestehender Beherrschung weitere Anteile erworben oder Anteile ohne </span></div><div class=\"ps15587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrollverlust ver\u00e4u\u00dfert, werden diese Vorg\u00e4nge erfolgsneutral als Eigenkapitaltransaktionen dargestellt. Die Buchwerte der </span></div><div class=\"ps15588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Konzern gehaltenen Anteile und der nicht beherrschenden Anteile werden so angepasst, dass sie die \u00c4nderungen der an </span></div><div class=\"ps15590 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Tochterunternehmen bestehenden Anteilsquoten widerspiegeln. Jede Differenz zwischen dem Betrag, um den die nicht </span></div><div class=\"ps15591 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beherrschenden Anteile angepasst werden, und dem beizulegenden Zeitwert der gezahlten oder erhaltenen Gegenleistung </span></div><div class=\"ps15592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird unmittelbar im Eigenkapital erfasst und den Gesellschaftern des Mutterunternehmens zugeordnet.</span></div><div class=\"ps28741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wenn die Gesellschaft die Beherrschung \u00fcber ein Tochterunternehmen verliert, wird der Entkonsolidierungsgewinn oder -verlust </span></div><div class=\"ps28742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgswirksam erfasst. Dieser wird ermittelt aus der Differenz zwischen</span></div><div class=\"ps19379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">dem Gesamtbetrag des beizulegenden Zeitwerts der erhaltenen Gegenleistung und dem beizulegenden Zeitwert der </span></div><div class=\"ps19380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zur\u00fcckbehaltenen Anteile </span></div><div class=\"ps28743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">und dem Buchwert der Verm\u00f6genswerte (einschlie\u00dflich des Gesch\u00e4fts- oder Firmenwerts), der Schulden des </span></div><div class=\"ps28744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Tochterunternehmens und aller nicht beherrschenden Anteile.</span></div><div class=\"ps28745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle im Zusammenhang mit diesem Tochterunternehmen im sonstigen Ergebnis ausgewiesenen Betr\u00e4ge werden so bilanziert, </span></div><div class=\"ps28746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wie dies bei einem Verkauf der Verm\u00f6genswerte erfolgen w\u00fcrde, d. h. es erfolgt eine Umgliederung in die Erfolgsrechnung oder </span></div><div class=\"ps28747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine direkte \u00dcbertragung in die Gewinnr\u00fccklagen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithNoncontrollingInterestsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-551": {
   "value": "<div class=\"ps28748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Assoziierte Unternehmen<span id=\"ia9f38cf6cbef463691383b320f735293\"></span></span></div><div class=\"ps21283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein assoziiertes Unternehmen ist ein Unternehmen, auf das der Konzern ma\u00dfgeblichen Einfluss hat. Ma\u00dfgeblicher Einfluss ist die </span></div><div class=\"ps28749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00f6glichkeit, an den finanz- und gesch\u00e4ftspolitischen Entscheidungen des Unternehmens, an dem die Beteiligung gehalten wird, </span></div><div class=\"ps28750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mitzuwirken. Dabei liegt weder Beherrschung noch gemeinschaftliche F\u00fchrung der Entscheidungsprozesse vor. In der Regel wird </span></div><div class=\"ps28751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ein ma\u00dfgeblicher Einfluss vermutet, wenn der Konzern zwischen 20 und 50 Prozent der Stimmrechte h\u00e4lt. Bei der Beurteilung, </span></div><div class=\"ps28752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ob der Konzern die M\u00f6glichkeit besitzt, einen ma\u00dfgeblichen Einfluss auf ein anderes Unternehmen auszu\u00fcben, werden die </span></div><div class=\"ps28753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Existenz sowie der Effekt potenzieller Stimmrechte, die aktuell aus\u00fcbbar oder wandelbar sind, ber\u00fccksichtigt. Weitere Faktoren, </span></div><div class=\"ps28754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die zur Beurteilung eines ma\u00dfgeblichen Einflusses herangezogen werden, sind beispielsweise die Vertretung in Leitungs- und </span></div><div class=\"ps28755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsgremien (bei \u00f6sterreichischen Aktiengesellschaften im Aufsichtsrat) des Beteiligungsunternehmens sowie wesentliche </span></div><div class=\"ps28756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsvorf\u00e4lle mit dem Beteiligungsunternehmen. Anteile an wesentlichen assoziierten Unternehmen werden at-equity </span></div><div class=\"ps28757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einbezogen und im Bilanzposten Anteile an Tochterunternehmen und assoziierten Unternehmen in dem Unterposten Anteile an </span></div><div class=\"ps28758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">at-equity bewerteten Unternehmen ausgewiesen.</span></div><div class=\"ps28759 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Anschaffungskosten dieser Beteiligungen einschlie\u00dflich darin enthaltener Gesch\u00e4fts- oder Firmenwerte werden zum </span></div><div class=\"ps28760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt der erstmaligen Einbeziehung in den Konzernabschluss bestimmt. Dabei werden dieselben Regeln angewendet wie </span></div><div class=\"ps28761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei vollkonsolidierten Unternehmen (Aufrechnung der Anschaffungskosten mit dem zum Fair Value bewerteten anteiligen </span></div><div class=\"ps28762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoverm\u00f6gen). Sofern assoziierte Unternehmen wesentlich sind, wird eine Fortschreibung des Equity-Buchwerts </span></div><div class=\"ps28763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsprechend der jeweiligen anteiligen Entwicklung des Eigenkapitals der Unternehmen vorgenommen. Jahresergebnisse aus </span></div><div class=\"ps28764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">at-equity bewerteten Unternehmen werden saldiert im Posten laufendes Ergebnis aus assoziierten Unternehmen dargestellt. </span></div><div class=\"ps28765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zurechenbare Verluste der at-equity bewerteten Unternehmen werden nur bis zur H\u00f6he des Equity-Buchwerts ber\u00fccksichtigt. </span></div><div class=\"ps28766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbersteigende Verluste werden nicht erfasst, da keine Verpflichtung besteht, die \u00fcbersteigenden Verluste auszugleichen. </span></div><div class=\"ps28767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus werden die beim assoziierten Unternehmen erfolgsneutral erfassten Bewertungen im Konzernabschluss der RBI </span></div><div class=\"ps28768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ebenfalls erfolgsneutral im sonstigen Ergebnis dargestellt. Dies betrifft insbesondere Bewertungen von finanziellen </span></div><div class=\"ps28769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerten \u2013 Fair Value Through Other Comprehensive Income. An jedem Bilanzstichtag beurteilt der Konzern, inwiefern </span></div><div class=\"ps28770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">objektive Hinweise auf eine Wertminderung der Anteile an einem assoziierten Unternehmen vorliegen. Wenn objektive Hinweise </span></div><div class=\"ps28771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf eine Wertminderung vorliegen, wird eine Werthaltigkeitspr\u00fcfung durchgef\u00fchrt, indem der erzielbare Betrag der Beteiligung, </span></div><div class=\"ps28772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der dem jeweils h\u00f6heren Wert aus dem Nutzungswert und dem beizulegenden Zeitwert abz\u00fcglich Verkaufskosten entspricht, </span></div><div class=\"ps28773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit deren Buchwert verglichen wird. Eine in Vorperioden erfasste Wertminderung wird nur r\u00fcckg\u00e4ngig gemacht, wenn sich die </span></div><div class=\"ps28774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei der Bestimmung des erzielbaren Betrags der Beteiligung zugrunde liegenden Annahmen seit der letzten Erfassung eines </span></div><div class=\"ps28775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungsverlusts ge\u00e4ndert haben. In diesem Fall wird der Buchwert der Beteiligung auf ihren h\u00f6heren erzielbaren Betrag </span></div><div class=\"ps28776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeschrieben.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-552": {
   "value": "<div class=\"ps28777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Unternehmenserwerbe<span id=\"id0a0473ba2084a72939adf641cab9bf9\"></span></span></div><div class=\"ps28778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Erwerb von Gesch\u00e4ftsbetrieben wird nach der Erwerbsmethode bilanziert. Die bei einem Unternehmenszusammenschluss </span></div><div class=\"ps28779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbertragene Gegenleistung wird zum beizulegenden Zeitwert bewertet. Dieser bestimmt sich aus der Summe der zum </span></div><div class=\"ps28780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erwerbszeitpunkt g\u00fcltigen beizulegenden Zeitwerte der \u00fcbertragenen Verm\u00f6genswerte, der von den fr\u00fcheren Eigent\u00fcmer:innen </span></div><div class=\"ps28781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des erworbenen Unternehmens \u00fcbernommenen Schulden und der vom Konzern emittierten Eigenkapitalinstrumente im </span></div><div class=\"ps28782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Austausch gegen die Beherrschung des erworbenen Unternehmens. Mit dem Unternehmenszusammenschluss verbundene </span></div><div class=\"ps28783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionskosten werden bei Anfall erfolgswirksam erfasst.</span></div><div class=\"ps28784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Gesch\u00e4fts- oder Firmenwert ergibt sich als \u00dcberschuss der Summe aus der \u00fcbertragenen Gegenleistung, dem Betrag aller </span></div><div class=\"ps28785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht beherrschenden Anteile an dem erworbenen Unternehmen und dem beizulegenden Zeitwert des zuvor vom Erwerber </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gehaltenen Eigenkapitalanteils an dem erworbenen Unternehmen (sofern gegeben) \u00fcber den Saldo der zum Erwerbszeitpunkt </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelten beizulegenden Zeitwerte der erworbenen identifizierbaren Verm\u00f6genswerte und der \u00fcbernommenen Schulden. F\u00fcr </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Fall, dass sich \u2013 auch nach nochmaliger Beurteilung \u2013 ein negativer Unterschiedsbetrag ergibt, wird dieser unmittelbar als </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertrag in der Erfolgsrechnung erfasst.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteile nicht beherrschender Gesellschafter, die gegenw\u00e4rtig Eigentumsrechte vermitteln und dem Inhaber im Fall der </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidation das Recht gew\u00e4hren, einen proportionalen Anteil am Nettoverm\u00f6gen des Unternehmens zu erhalten, werden bei </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zugang entweder zum beizulegenden Zeitwert oder zum entsprechenden Anteil des identifizierbaren Nettoverm\u00f6gens </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet. Dieses Wahlrecht kann bei jedem Unternehmenszusammenschluss neu ausge\u00fcbt werden. Andere Komponenten von </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteilen nicht beherrschender Gesellschafter werden mit ihren beizulegenden Zeitwerten oder den Wertma\u00dfst\u00e4ben bewertet, </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die sich aus anderen Standards ergeben. </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Enth\u00e4lt die \u00fcbertragene Gegenleistung eine bedingte Gegenleistung, wird diese mit dem zum Erwerbszeitpunkt geltenden </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert bewertet. Handelt es sich bei der bedingten Gegenleistung um Eigenkapital, erfolgt keine </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Folgebewertung an nachfolgenden Abschlussstichtagen; ihre Erf\u00fcllung wird innerhalb des Eigenkapitals bilanziert. Eine </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bedingte Gegenleistung, die einen Verm\u00f6genswert oder eine Schuld darstellt, wird an nachfolgenden Abschlussstichtagen zum </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert bewertet und ein resultierender Gewinn oder Verlust in der Erfolgsrechnung erfasst.</span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassungen der Bewertung oder der zus\u00e4tzliche Ansatz weiterer Verm\u00f6genswerte und Schulden, um zus\u00e4tzliche </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen \u00fcber Fakten und Umst\u00e4nde widerzuspiegeln, die bereits zum Erwerbszeitpunkt bestanden, werden innerhalb des </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungszeitraums r\u00fcckwirkend korrigiert und entsprechend gegen den Gesch\u00e4fts- oder Firmenwert gebucht. Der </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungszeitraum darf ein Jahr vom Erwerbszeitpunkt an nicht \u00fcberschreiten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-553": {
   "value": "<div class=\"ps29610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">(60) Kapitalmanagement und Eigenmittel nach CRR/CRD IV bzw. BWG<span id=\"i0f85e32aea5b4a1a8fc61f4a0299afa0\"></span></span></div><div class=\"ps29611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI unterliegt den Eigenmittelerfordernissen gem\u00e4\u00df Artikel 92 CRR sowie dem kombinierten Kapitalpuffererfordernis gem\u00e4\u00df </span></div><div class=\"ps29612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">BWG, das einen Kapitalerhaltungspuffer (\u00a7 22 BWG), einen Systemrisikopuffer (\u00a7 23e BWG), einen Kapitalpuffer f\u00fcr </span></div><div class=\"ps29613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">systemrelevante Institute (\u00a7 23d BWG) und einen antizyklischen Kapitalpuffer (\u00a7 23a BWG) umfasst. Seit dem 1. Juli 2025 ist die <span class=\"f ps24\"> </span></span></div><div class=\"ps29614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI zudem verpflichtet, den neu eingef\u00fchrten sektoralen Systemrisikopuffer f\u00fcr risikogewichtete Aktiva im Bereich der </span></div><div class=\"ps29615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gewerblichen Immobilien in \u00d6sterreich einzuhalten (\u00a7 23d (7) BWG). Eine Verletzung dieser Anforderungen k\u00f6nnte zu </span></div><div class=\"ps29616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen bei Dividendenaussch\u00fcttungen und Kuponzahlungen f\u00fchren.</span></div><div class=\"ps29617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das in \u00d6sterreich daf\u00fcr zust\u00e4ndige Finanzmarktstabilit\u00e4tsgremium (FMSG) hat der \u00f6sterreichischen Finanzmarktaufsicht (FMA) </span></div><div class=\"ps29618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">empfohlen, einen Systemrisikopuffer (SyRP) und einen Kapitalpuffer f\u00fcr systemrelevante Banken (O-SII-Puffer) f\u00fcr die RBI zu </span></div><div class=\"ps29619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verordnen. Seit 1. J\u00e4nner 2025 betr\u00e4gt der SyRP 1 Prozent auf konsolidierter und 0,5 Prozent auf unkonsolidierter Ebene, der O-</span></div><div class=\"ps29620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">SII-Puffer 1,75 Prozent sowohl auf konsolidierter als auch auf unkonsolidierter Ebene. Der Kapitalerhaltungspuffer betr\u00e4gt 2,5 </span></div><div class=\"ps29621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent. Der ab dem 1. Juli 2025 neu eingef\u00fchrte sektorale Systemrisikopuffer f\u00fcr risikogewichtete Aktiva im Bereich der </span></div><div class=\"ps29622 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gewerblichen Immobilien in \u00d6sterreich betr\u00e4gt 1 Prozent und ist auf konsolidierter sowie auf Einzelbasis einzuhalten. In der </span></div><div class=\"ps29623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Empfehlung FMSG/6/2025 vom 12. Dezember 2025 empfiehlt das FMSG, dass die FMA diesen Puffersatz schrittweise in zwei </span></div><div class=\"ps29624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Etappen anhebt, n\u00e4mlich auf 2 Prozent mit Wirkung zum 1. Juli 2026 und auf 3,5 Prozent mit Wirkung zum 1. Juli 2027. Der </span></div><div class=\"ps29625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">antizyklische Kapitalpuffer hingegen wurde in \u00d6sterreich auf 0 Prozent festgesetzt, ergibt jedoch auf Basis jener Pufferraten, </span></div><div class=\"ps29626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die in anderen EU-Mitgliedsstaaten f\u00fcr Banken festgelegt werden, und der entsprechenden gewichteten </span></div><div class=\"ps4213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Durchschnittsberechnung des Gesch\u00e4fts der RBI 0,73 Prozent.</span></div><div class=\"ps29627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus schreibt die EZB der RBI mit Wirkung 1. J\u00e4nner 2025 auf Basis des j\u00e4hrlich durchgef\u00fchrten Supervisory Review </span></div><div class=\"ps29628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">and Evaluation Prozesses (SREP) zus\u00e4tzliches Kapital (Pillar 2 Capital Requirement, P2R) in H\u00f6he von 2,79 Prozent vor, um Risiken </span></div><div class=\"ps29629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abzudecken, die in S\u00e4ule 1 nicht ausreichend ber\u00fccksichtigt sind. Diese Anforderungen gelten auf konsolidierter Ebene. Zudem </span></div><div class=\"ps29630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet die EZB die Einhaltung der Pillar 2 Guidance (P2G) in H\u00f6he von 1,25 Prozent. Mit Wirkung zum 1. J\u00e4nner 2026 gelten f\u00fcr </span></div><div class=\"ps29631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI ein neu kalibriertes P2R von 2,78 Prozent sowie eine angepasste P2G von 1 Prozent.</span></div><div class=\"ps29632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kapitalanforderungen wurden laufend eingehalten, und zum 31. Dezember 2025 ergab sich f\u00fcr die harte Kernkapitalquote </span></div><div class=\"ps29633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(inkl. kombinierter Kapitalpuffererfordernisse) ein Erfordernis in H\u00f6he von 12,06 Prozent, unter Ber\u00fccksichtigung des P2G eine </span></div><div class=\"ps29634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Quote in H\u00f6he von 13,31 Prozent. Regulatorische Ver\u00e4nderungen werden beobachtet und in der Planung ber\u00fccksichtigt.</span></div><div class=\"ps12319 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Inkrafttreten der Verordnung (EU) 2024/1623 (CRR III) zum 1. J\u00e4nner 2025 f\u00fchrte zu wesentlichen \u00c4nderungen bei der </span></div><div class=\"ps12320 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der risikogewichteten Aktiva und der Kapitalanforderungen, insbesondere durch die Einf\u00fchrung des Output Floor </span></div><div class=\"ps29635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und \u00fcberarbeiteter Standards f\u00fcr das Kredit- und operationelle Risiko. Diese regulatorischen \u00c4nderungen bilden die Grundlage </span></div><div class=\"ps29636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Verschiebungen innerhalb der einzelnen Risikopositionen einschlie\u00dflich der Aufhebung oder Neudefinition einzelner </span></div><div class=\"ps29637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kategorien. Infolgedessen ist eine Vergleichbarkeit mit historischen Zahlen nicht mehr uneingeschr\u00e4nkt m\u00f6glich. </span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eigenmittelrechnung<span id=\"i5403d7a195944d9ba245d6724d103b10\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachfolgend dargestellten konsolidierten Werte wurden nach den Bestimmungen der Capital Requirements Regulation </span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(CRR) sowie weiteren gesetzlichen Bestimmungen, wie z. B. den Implementing Technical Standards (ITS) der EBA, ermittelt.</span></div><div class=\"ps22331 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalinstrumente und das mit ihnen verbundene Agio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1139\">5.987<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22207\">5.991<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Einbehaltene Gewinne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19217\">15.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps778\">15.124<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kumuliertes sonstiges Ergebnis (und sonstige R\u00fccklagen)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps23759\">-4.184<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29640\">-5.418<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Minderheitsbeteiligungen (zul\u00e4ssiger Betrag in konsolidiertem CET1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20182\">745<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps25289\">706<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Von unabh\u00e4ngiger Seite gepr\u00fcfte Zwischengewinne, abz\u00fcglich aller vorhersehbaren Abgaben oder Dividenden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20609\">736<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22206\">704<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Hartes Kernkapital (CET1) vor regulatorischen Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps823 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps29641\">19.027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps824 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps13931\">17.107<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Bewertungsanpassungen (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20866\">-55<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20717\">-60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abzugsposten f\u00fcr neu gebildete Wertberichtigungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps834 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte (verringert um eventuelle Steuerschulden) (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps26344\">-679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps840 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps24310\">-623<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1505\"><div><div class=\"ps5430 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Von der k\u00fcnftigen Rentabilit\u00e4t abh\u00e4ngige latente Steueranspr\u00fcche, ausgenommen derjenigen, die aus tempor\u00e4ren <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Differenzen resultieren (verringert um entsprechende Steuerschulden, wenn die Bedingungen von Artikel 38 Absatz 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">erf\u00fcllt sind) (negativer Betrag)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20670\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps844 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20362\">-7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fccklagen aus Gewinnen oder Verlusten aus zeitwertbilanzierten Gesch\u00e4ften zur Absicherung von Zahlungsstr\u00f6men<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29642 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20867\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29643 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20132\">128<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Negative Betr\u00e4ge aus der Berechnung der erwarteten Verlustbetr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29644 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22085\">-35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29645 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Durch Ver\u00e4nderungen der eigenen Bonit\u00e4t bedingte Gewinne oder Verluste aus zum beizulegenden Zeitwert <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">bewerteten eigenen Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29646 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6 ps20739\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29647 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5200 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Direkte und indirekte Positionen eines Instituts in eigenen Instrumenten des harten Kernkapitals (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29648 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29649 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20152\">-20<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11746 ss1198\"><div><div class=\"ps1485 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungsbetrag aus folgenden Posten, denen ein Risikogewicht von 1250% zuzuordnen ist, wenn das Institut als <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Alternative jenen Forderungsbetrag vom Betrag der Posten des harten Kernkapitals abzieht</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29650 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29651 ss1199\"><div><div class=\"ps516 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5204 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: Verbriefungspositionen (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29652 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18444\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29653 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1186\">-56<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5206 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige regulatorische Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29654 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20685\">-123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29655 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20358\">-135<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5209 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Regulatorische Anpassungen des harten Kernkapitals (CET1) gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29656 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps26981\">-934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29657 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20611\">-773<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6131 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Hartes Kernkapital (CET1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29658 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20223\">18.093<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29659 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20291\">16.334<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15511 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalinstrumente und das mit ihnen verbundene Agio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29660 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21599\">1.669<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29661 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps1141\">1.829<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15503 ss1505\"><div><div class=\"ps5430 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zum konsolidierten zus\u00e4tzlichen Kernkapital z\u00e4hlende Instrumente des qualifizierten Kernkapitals (einschlie\u00dflich nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">in Zeile 5 enthaltener Minderheitsbeteiligungen), die von Tochterunternehmen begeben worden sind und von </span></div><div class=\"ps5427 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Drittparteien gehalten werden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29662 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29663 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20425\">48<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5220 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zus\u00e4tzliches Kernkapital (AT1) vor regulatorischen Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20839\">1.717<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps29664\">1.877<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Regulatorische Anpassungen des zus\u00e4tzlichen Kernkapitals (AT1) insgesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20242\">-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20684 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20242\">-33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5225 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Zus\u00e4tzliches Kernkapital (AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20686 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18505\">1.684<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps20687 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17446\">1.844<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3916 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Kernkapital (T1 = CET1 + AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29665 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20102\">19.776<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29666 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps21592\">18.178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8651 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalinstrumente und das mit ihnen verbundene Agio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29667 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20732\">2.167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29668 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps20347\">2.276<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7974 ss1505\"><div><div class=\"ps5430 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zum konsolidierten Erg\u00e4nzungskapital z\u00e4hlende qualifizierte Eigenmittelinstrumente (einschlie\u00dflich nicht in den Zeilen <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">5 bzw. 34 enthaltener Minderheitsbeteiligungen und AT1-Instrumente), die von Tochterunternehmen begeben worden </span></div><div class=\"ps5427 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">sind und von Drittparteien gehalten werden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29669 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps23108\">38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29670 ss1506\"><div><div class=\"ps5427 ss26\"><span class=\"f charStyle-375ad3a6 ps20870\">53<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3921 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisikoanpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29671 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19275\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29672 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps22082\">125<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5240 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Erg\u00e4nzungskapital (T2) vor regulatorischen Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29674 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps29673\">2.204<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29675 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20176\">2.454<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8694 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Regulatorische Anpassungen des Erg\u00e4nzungskapitals (T2) insgesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29676 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23742\">-30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29677 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20609\">-60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7871 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Erg\u00e4nzungskapital (T2)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29678 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8158\">2.174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29679 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps20841\">2.394<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8425 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenmittel gesamt (TC = T1 + T2)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29680 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps24023\">21.951<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29681 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps26276\">20.572<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5326 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikogewichtete Aktiva gesamt (RWA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29682 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps8754\">100.924<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29683 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps23915\">95.600<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_994\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Eigenmittelerfordernis und risikogewichtete Aktiva<span id=\"ic081899834be4594b0a84513c08b746b\"></span></span></div><div class=\"ps3887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachfolgende Tabelle zeigt das risikogewichtete Obligo gem\u00e4\u00df der am 1. J\u00e4nner 2025 in Kraft getretenen Verordnung (EU) <span class=\"f ps24\"> </span></span></div><div class=\"ps3888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024/1623 (CRR III/Basel IV). Bis zum Jahresende 2024 wurde das risikogewichtete Obligo gem\u00e4\u00df den Vorgaben der Verordnung </span></div><div class=\"ps3889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(EU) Nr. 575/2013 (CRR II/Basel III) berechnet.</span></div><div class=\"ps27133 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:275.25pt\"></td><td style=\"padding:0;width:83.25pt\"></td><td style=\"padding:0;width:83.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29685 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps29684\">2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29686 ss1398\"><div><div class=\"ps5427 ss516\"><span class=\"f charStyle-1dbd4d87 ps4808\">Risikogewichtes Obligo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29687 ss1398\"><div><div class=\"ps5430 ss516\"><span class=\"f charStyle-1dbd4d87 ps9395\">Output floor - <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss516\"><span class=\"f charStyle-1dbd4d87 ps7127\">standardisiertes </span></div><div class=\"ps5427 ss516\"><span class=\"f charStyle-1dbd4d87 ps2092\">risikogewichtetes Obligo<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3830 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-ebaa9193 ps30\"><span style=\"background-color:inherit\">Gesamtrisikobetrag</span><span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29688 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-ebaa9193 ps28288\"><span style=\"background-color:inherit\">100.924</span><span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29689 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-ebaa9193 ps28196\"><span style=\"background-color:inherit\">121.613</span><span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4812 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps1864\">Standardansatz (SA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29691 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29690\">26.556<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29692 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29690\">26.556<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3895 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Staaten oder Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29694 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29693\">11.390<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29695 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29693\">11.390<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Regionale oder lokale Gebietsk\u00f6rperschaften<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29697 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29696\">232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29698 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29696\">232<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">\u00d6ffentliche Stellen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29700 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29699\">182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29701 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29699\">182<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Multilaterale Entwicklungsbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29703 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29702\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29704 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29702\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Internationale Organisationen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29705 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29706 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Institute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29708 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29707\">132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29709 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29707\">132<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Unternehmen - Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29711 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29710\">4.970<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29712 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29710\">4.970<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Unternehmen - Spezialfinanzierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29714 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29713\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29715 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29713\">89<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Mengengesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29717 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29716\">3.573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29718 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29716\">3.573<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Durch Grundpfandrechte auf Immobilien besicherte und ADC-Risikopositionen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29720 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29719\">2.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29721 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29719\">2.345<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Ausgefallene Risikopositionen <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29722 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps21093\">207<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29723 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps21093\">207<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Aus nachrangigen Schuldtiteln bestehende Risikopositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29724 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29725 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5543 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Gedeckte Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29726 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29727 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Forderungen gegen\u00fcber Instituten und Unternehmen mit kurzfristiger Bonit\u00e4tsbeurteilung <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29728 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29729 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12964 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Organismen f\u00fcr Gemeinsame Anlagen (OGA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29731 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29730\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29732 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29730\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7931 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Eigenkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29733 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps27854\">2.499<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29734 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps27854\">2.499<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1680 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Sonstige Posten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29736 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29735\">926<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29737 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29735\">926<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1690 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps1864\">Auf internen Einstufungen basierender Ansatz (IRB-Ansatz)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29739 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29738\">42.085<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29741 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29740\">59.706<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1699 ss1509\"><div><div class=\"ps1485 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">IRB-Ans\u00e4tze, wenn weder eigene Sch\u00e4tzungen der LGD noch Umrechnungsfaktoren genutzt <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">werden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29743 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-375ad3a6 ps29742\">28.343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29744 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-375ad3a6 ps28282\">40.525<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29745 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6033\">Institute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29747 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29746\">2.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29749 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29748\">1.903<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29750 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6033\">Unternehmen - Spezialfinanzierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29752 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29751\">4.679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29754 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29753\">8.474<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8837 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6033\">Unternehmen\u00a0\u2013 Angekaufte Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29756 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29755\">255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29758 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29757\">290<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5416 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6033\">Unternehmen - Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29760 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29759\">20.801<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29762 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29761\">29.858<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29763 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">IRB-Ans\u00e4tze, wenn eigene Sch\u00e4tzungen der LGD bzw. Umrechnungsfaktoren genutzt werden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29765 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29764\">11.218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29766 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps27850\">16.873<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5316 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6033\">Unternehmen - Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29767 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29768 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5318 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6033\">Mengengesch\u00e4ft\u00a0\u2013 Wohnimmobilienbesichert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29770 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29769\">4.695<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29772 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29771\">9.323<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3919 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6033\">Mengengesch\u00e4ft\u00a0\u2013 Qualifiziert revolvierend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29774 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29773\">605<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29776 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29775\">1.076<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3921 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6033\">Mengengesch\u00e4ft\u00a0\u2013 Angekaufte Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29777 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29778 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5240 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6033\">Mengengesch\u00e4ft\u00a0\u2013 Sonstiges<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29780 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29779\">5.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29782 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29781\">6.473<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8694 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Beteiligungen nach IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29784 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29783\">241<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29786 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29785\">97<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7871 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Organismen f\u00fcr Gemeinsame Anlagen (OGA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29788 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29787\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29790 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29789\">32<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8425 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Sonstige Aktiva, ohne Kreditverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29791 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps24220\">2.256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29793 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29792\">2.180<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5326 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps1864\">Verbriefungspositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29795 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29794\">2.250<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29797 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29796\">5.318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5327 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps1864\">Risikopositionsbetrag f\u00fcr Abwicklungs- und Lieferrisiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29799 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29798\">22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29800 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29798\">22<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5329 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps1864\">Gesamtrisikobetrag f\u00fcr den Gesch\u00e4ftsbereich, f\u00fcr den ein Marktrisiko besteht<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29801 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps28188\">11.028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29802 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps28188\">11.028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5561 ss1509\"><div><div class=\"ps1485 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Risikobetrag f\u00fcr den Gesch\u00e4ftsbereich mit Marktrisiko, der von Unternehmen berechnet wird, die <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">ausschlie\u00dflich den vereinfachten Standardansatz (SSA) anwenden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29804 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-375ad3a6 ps29803\">8.771<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29805 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-375ad3a6 ps29803\">8.771<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5336 ss1509\"><div><div class=\"ps1485 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Risikopositionsbetrag f\u00fcr Positions-, Fremdw\u00e4hrungs- und Warenpositionsrisiken nach internen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1507\"><span class=\"f charStyle-375ad3a6 ps6020\">Modellen (IM)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29806 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-375ad3a6 ps24220\">2.256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29807 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-375ad3a6 ps24220\">2.256<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29299 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps1864\">Gesamtrisikobetrag f\u00fcr operationelle Risiken (OpR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29808 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps22421\">18.530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29809 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps22421\">18.530<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5341 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps1864\">Gesamtrisikobetrag aufgrund Anpassung der Kreditbewertung (CVA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29811 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29810\">331<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29812 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29810\">331<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7388 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps1864\">Sonstige Risikopositionsbetr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29814 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29813\">123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29815 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29813\">123<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:275.25pt\"></td><td style=\"padding:0;width:83.25pt\"></td><td style=\"padding:0;width:83.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps29685 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps29818\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps29686 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps4808\">Risikogewichtes Obligo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps29687 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29819\">Eigenmittelerfordernis<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikogewichtete Aktiva gesamt (RWA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29821 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29820\">95.600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29823 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29822\">7.648<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1509\"><div><div class=\"ps1485 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikogewichtete Positionsbetr\u00e4ge f\u00fcr das Kredit-, Gegenparteiausfall- und das <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Verw\u00e4sserungsrisiko sowie Vorleistungen</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29825 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-1dbd4d87 ps29824\">68.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29827 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-1dbd4d87 ps29826\">5.440<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Standardansatz (SA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29829 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29828\">25.684<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29831 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29830\">2.055<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Risikopositionsklassen exklusive Verbriefungspositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29832 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps21895\">25.684<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29833 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29771\">2.055<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralstaaten und Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29835 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29834\">9.144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29836 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps28501\">732<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Regionale und lokale Gebietsk\u00f6rperschaften<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29838 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29837\">185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29840 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29839\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00d6ffentliche Stellen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29842 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29841\">88<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29844 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29843\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Risikopositionen gegen\u00fcber multilateralen Entwicklungsbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29845 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29702\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29846 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Institute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29848 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29847\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29849 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29839\">15<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29851 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29850\">5.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29853 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29852\">420<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Mengengesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29855 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29854\">4.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29857 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29856\">363<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Durch Immobilien besicherte Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29859 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29858\">2.819<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29861 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29860\">226<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1603 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Ausgefallene Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29863 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29862\">288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29864 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29789\">23<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Mit besonders hohem Risiko verbundene Risikopositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29866 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29865\">217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29868 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29867\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1630 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Gedeckte Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29869 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29870 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Risikopositionen gegen\u00fcber Instituten und Unternehmen mit kurzfristiger Bonit\u00e4tspr\u00fcfung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29871 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29872 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Anteile an Organismen f\u00fcr gemeinsame Anlagen (OGA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29874 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29873\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29876 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29875\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29878 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29877\">1.870<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29880 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29879\">150<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29882 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29881\">1.019<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29883 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29787\">82<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5305 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Auf internen Beurteilungen basierender Ansatz (IRB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29885 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29884\">42.319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29887 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29886\">3.386<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5307 ss1509\"><div><div class=\"ps1485 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">IRB-Ans\u00e4tze, wenn weder eigene Sch\u00e4tzungen der LGD noch Umrechnungsfaktoren genutzt <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">werden</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29889 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-1dbd4d87 ps29888\">30.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29890 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-1dbd4d87 ps29830\">2.455<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1713 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Zentralstaaten und Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29891 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29892 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7287 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Institute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29893 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29834\">2.627<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29895 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29894\">210<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5311 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Unternehmen - KMU<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29897 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29896\">2.703<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29899 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29898\">216<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5312 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Unternehmen - Spezialfinanzierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29901 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29900\">4.070<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29903 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29902\">326<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5314 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Unternehmen - sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29904 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25284\">21.293<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29905 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29858\">1.703<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6841 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">IRB-Ans\u00e4tze, wenn eigene Sch\u00e4tzungen der LGD bzw. Umrechnungsfaktoren genutzt werden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29906 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29886\">9.055<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29908 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29907\">724<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5234 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Risikopositionen gegen\u00fcber Unternehmen - Spezialfinanzierung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29909 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29910 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5237 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Risikopositionen gegen\u00fcber Unternehmen - Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29911 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29912 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8673 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Mengengesch\u00e4ft - durch Immobilien besichert, KMU<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29914 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29913\">94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29916 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29915\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7856 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Mengengesch\u00e4ft - durch Immobilien besichert, keine KMU<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29917 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps27854\">3.596<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29918 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29862\">288<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6628 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Mengengesch\u00e4ft - qualifiziert revolvierend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29920 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29919\">520<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29922 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29921\">42<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18784 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Mengengesch\u00e4ft - sonstige KMU<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29924 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29923\">324<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29926 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29925\">26<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5324 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Mengengesch\u00e4ft - sonstige, keine KMU<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29928 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29927\">4.521<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29929 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29902\">362<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16289 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29931 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29930\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29932 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29913\">49<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6640 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Einfacher Risikogewichtungsansatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29933 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29934 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13989 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Beteiligungspositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29935 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29936 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18798 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">PD-/LGD-Ansatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29937 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29938 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18801 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Sonstige Aktiva ohne Kreditverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29940 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29939\">1.962<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29942 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29941\">157<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"3\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:275.25pt\"></td><td style=\"padding:0;width:83.25pt\"></td><td style=\"padding:0;width:83.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps29685 ss1359\"><div><div class=\"ps31 ss1357\"><span class=\"f charStyle-1dbd4d87 ps29818\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps29686 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps4808\">Risikogewichtes Obligo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps29687 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29819\">Eigenmittelerfordernis<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikopositionsbetrag f\u00fcr Abwicklungs- und Lieferrisiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29821 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29943\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29823 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29944\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Abwicklungs- und Lieferrisiko im Anlagebuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29825 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29827 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Abwicklungs- und Lieferrisiko im Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29946 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29945\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29947 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29702\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikopositionsbetrag f\u00fcr Positions-, Fremdw\u00e4hrungs- und Warenpositionsrisiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29949 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29948\">8.873<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29951 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29950\">710<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1509\"><div><div class=\"ps1485 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikopositionsbetrag f\u00fcr Positions- Fremdw\u00e4hrungs- und Warenpositionsrisiken nach <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Standardans\u00e4tzen (SA)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29953 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-1dbd4d87 ps29952\">7.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29955 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-1dbd4d87 ps29954\">607<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">B\u00f6rsengehandelte Schuldtitel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29838 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29956\">935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29840 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29957\">75<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29842 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29707\">123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29844 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29958\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Besonderer Ansatz f\u00fcr Positionsrisiken in OGA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29845 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29959\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29846 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Fremdw\u00e4hrungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29848 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29769\">6.495<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29849 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29919\">520<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Warenpositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29851 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29787\">28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29853 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29960\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1574 ss1509\"><div><div class=\"ps1485 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikopositionsbetrag f\u00fcr Positions-, Fremdw\u00e4hrungs- und Warenpositionsrisiken nach internen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Modellen (IM)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29855 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-1dbd4d87 ps29961\">1.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29857 ss1402\"><div><div class=\"ps516 ss516\"><span class=\"f charStyle-1dbd4d87 ps29962\">103<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5197 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtrisikobetrag f\u00fcr operationelle Risiken (OpR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29720 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29963\">16.218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29721 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29964\">1.297<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Standardansatz (STA) bzw. alternativer Standardansatz (ASA) f\u00fcr operationelle Risiken (OpR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29722 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29965\">16.218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29723 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps28464\">1.297<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Fortgeschrittene Messans\u00e4tze (AMA) f\u00fcr operationelle Risiken (OpR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29724 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29725 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps25218\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5543 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtrisikobetrag f\u00fcr Anpassung der Kreditbewertung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29726 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29966\">195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29727 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29967\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-375ad3a6 ps1864\">Standardisierte Methode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29728 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29968\">195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29729 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-375ad3a6 ps29969\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12964 ss1508\"><div><div class=\"ps31 ss1507\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Risikopositionsbetr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29731 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29970\">2.292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29732 ss1400\"><div><div class=\"ps31 ss516\"><span class=\"f charStyle-1dbd4d87 ps29971\">183<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps29973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Regulatorische Kapitalquoten<span id=\"ib3f29997638f4367a63c8b09289a4e8a\"></span></span></div><div class=\"ps29974 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Harte Kernkapitalquote (transitional)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21601\"></span><span class=\"ps21601\">17,9 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22207\"></span><span class=\"ps22207\">17,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kernkapitalquote (transitional)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25764\"></span><span class=\"ps25764\">19,6 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18519\"></span><span class=\"ps18519\">19,0 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenmittelquote (transitional)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20263\"></span><span class=\"ps20263\">21,7 %</span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25118\"></span><span class=\"ps25118\">21,5 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps29976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verschuldungsquote<span id=\"i176b3a8e6d4a4f8b8d164dbbab042337\"></span></span></div><div class=\"ps14888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Berechnung der Verschuldungsquote (Leverage Ratio) ist im Teil 7 der CRR definiert. Auf Basis des Artikel 92 der CRR besteht </span></div><div class=\"ps29977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum 31. Dezember 2025 eine verbindliche Anforderung von 3 Prozent:</span></div><div class=\"ps29980 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps18474\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps772\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Gesamtrisikoposition<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps17185\">221.527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps8921\">230.650<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Kernkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29978\">19.776<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19210\">18.178<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Verschuldungsquote in Prozent (transitional)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps26979\"></span><span class=\"ps26979\">8,9 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps29979\"></span><span class=\"ps29979\">7,9 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcbersicht \u00fcber die im Rahmen der Berechnung des Eigenmittelerfordernisses verwendeten Kalkulationsmethoden in den </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmen:</span></div><div class=\"ps19753 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps773 ss1184\"><div><div class=\"ps3137 ss1183\"><span class=\"f charStyle-1dbd4d87 ps18478\">Kreditrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss1112\"><div><div class=\"ps3137 ss1111\"><span class=\"f charStyle-1dbd4d87 ps29982\">Marktrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps29983 ss588\"><div><div class=\"ps3137 ss587\"><span class=\"f charStyle-1dbd4d87 ps9370\">Operationelles Risiko<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-1dbd4d87 ps30\">Einheit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps781 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps19461\">Non-Retail<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps25081\">Retail<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank International AG, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps789 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps791 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29984\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps29985\">Internes Modell, STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28390 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps797 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps799 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28392 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank Zrt., Budapest (HU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps805 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps807 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28396 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Tatra banka a.s., Bratislava (SK)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps813 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps815 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28401 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank S.A., Bukarest (RO)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps819 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps821 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps823 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29986 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank d.d. Bosna i Hercegovina, Sarajevo (BA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps825 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps827 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps828 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29987 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisenbank Austria d.d., Zagreb (HR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps831 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps832 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps833 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29988 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Banka a.d., Novi Beograd (RS)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps836 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps838 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps839 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29989 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">AO Raiffeisenbank, Moskau (RU)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps841 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps842 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29984\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29990 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank Sh.a., Tirana (AL)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps845 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps846 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps847 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29991 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Kathrein Privatbank Aktiengesellschaft, Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps850 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29984\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps851 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29984\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps852 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps15529\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29992 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bausparkasse Gesellschaft m.b.H., Wien (AT)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps855 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps857 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps15529\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29993 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen stavebni sporitelna a.s., Prag (CZ)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps860 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29984\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps861 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps21497\">IRB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps772\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29994 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss25\"><div><div class=\"ps31 ss24\"><span class=\"f charStyle-375ad3a6 ps30\">Alle anderen Einheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps866 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29984\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps867 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps29984\">STA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps869 ss1112\"><div><div class=\"ps31 ss1111\"><span class=\"f charStyle-375ad3a6 ps15529\">n/a<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29995 ss588\"><div><div class=\"ps31 ss587\"><span class=\"f charStyle-375ad3a6 ps28230\">BIC<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps29996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-073efae3 ps17\">IRB: Internal-Rating-Based-Ansatz</span></div><div class=\"ps29997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-073efae3 ps17\">Internes Modell f\u00fcr Risiko der offenen Devisenposition und allgemeines Zinsrisiko des Handelsbuchs</span></div><div class=\"ps29998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-073efae3 ps17\">STA: Standardansatz</span></div><div class=\"ps29999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-073efae3 ps17\">BIC: Gesch\u00e4ftsindikatorkomponentenansatz (Business Indicator Component Approach)</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-554": {
   "value": "<div class=\"ps28 ss0\" style=\"font-size:32pt\"><span class=\"f charStyle-b36b224a ps17\">\u00b7</span><span class=\"f charStyle-736311c3 ps2238\"> </span><span class=\"f charStyle-9eccfdcb ps26\"> </span><span class=\"f charStyle-5ce759ba ps27\">Ereignisse nach dem <span id=\"iba12af3f4e554a13911459026c9cca58\"></span></span></div><div class=\"ps912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Bilanzstichtag</span></div><div class=\"ps955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es liegen keine wesentlichen Ereignisse nach Ende der Berichtsperiode vor.</span></div><div class=\"ps30212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">.</span></div><div class=\"ps28 ss0\" style=\"font-size:32pt\"><span class=\"f charStyle-736311c3 ps17\">\u00b7 </span><span class=\"f charStyle-5ce759ba ps26\">Ereignisse nach dem <span id=\"ie530709aab594566a3d347caf115f892\"></span></span></div><div class=\"ps912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Bilanzstichtag</span></div><div class=\"ps955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es liegen keine wesentlichen Ereignisse nach Ende der Berichtsperiode vor.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-555": {
   "value": "<div class=\"ps30215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30214\">Signiert von:</span></div><div class=\"ps30219 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30217\">Wien, am </span><span class=\"f charStyle-9eccfdcb ps30218\">17. Februar 2026</span></div><div class=\"ps30221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30220\">Der Vorstand</span></div><div class=\"ps30236 ss0\"><div class=\"ss1512 ws0 ps30235\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:221.25pt\"></td><td style=\"padding:0;width:221.25pt\"></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps12 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20956\">Dr. Johann Strobl e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps24023\">Vorsitzender des Vorstands, CEO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps5429 ss1511\"><div><div class=\"ps30229 ss1510\"><span class=\"f charStyle-7627a8a6 ps30228\">Mag. Marie-Valerie Brunner e.h.</span></div><div class=\"ps30230 ss1510\"><span class=\"f charStyle-7627a8a6 ps11069\">Mitglied des Vorstands, CIB Customer Coverage und </span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps30231\">CIB Products &amp; Solutions </span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps30232 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps18774\">Mag. Andreas Gschwenter e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps20083\">Mitglied des Vorstands, COO/CIO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30233 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps22200\">Kamila Makhmudova, LL.M. MBA e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps808\">Mitglied des Vorstands, CFO</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps11755 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20560\">Dr. Hannes M\u00f6senbacher e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps28357\">Mitglied des Vorstands, CRO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30234 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps28167\">Dr. Andrii Stepanenko e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps12626\">Mitglied des Vorstands, Retail Banking</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps30242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">Erkl\u00e4rung aller <span id=\"i11bd2e791c37457791be38e01f37fa25\"></span></span></div><div class=\"ps30243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">gesetzlichen </span></div><div class=\"ps30245 ss0\" style=\"font-size:44pt\"><span class=\"f charStyle-efa4c41b ps17\">Vertreter</span><span class=\"f charStyle-efa4c41b ps30244\">:innen</span></div><div class=\"ps30246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wir best\u00e4tigen nach bestem Wissen, dass der im Einklang mit den ma\u00dfgeblichen Rechnungslegungsstandards aufgestellte </span></div><div class=\"ps30247 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschluss ein m\u00f6glichst getreues Bild der Verm\u00f6gens-, Finanz- und Ertragslage des Konzerns vermittelt, dass der </span></div><div class=\"ps30248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernlagebericht den Gesch\u00e4ftsverlauf, das Gesch\u00e4ftsergebnis und die Lage des Konzerns so darstellt, dass ein m\u00f6glichst </span></div><div class=\"ps30249 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getreues Bild der Verm\u00f6gens-, Finanz- und Ertragslage des Konzerns entsteht, und dass der Konzernlagebericht die </span></div><div class=\"ps30250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Risiken und Ungewissheiten beschreibt, denen der Konzern ausgesetzt ist.</span></div><div class=\"ps30251 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dies gilt (soweit anwendbar) auch f\u00fcr die konsolidierte nichtfinanzielle Erkl\u00e4rung, welche Teil des Konzernlageberichts ist und </span></div><div class=\"ps30252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach bestem Wissen in \u00dcbereinstimmung mit den Bestimmungen der Corporate Sustainability Reporting Directive (CSRD) sowie </span></div><div class=\"ps30253 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der European Sustainability Reporting Standards (ESRS) erstellt wurde und insbesondere diejenigen Angaben enth\u00e4lt, die f\u00fcr </span></div><div class=\"ps30254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Verst\u00e4ndnis der Auswirkungen der T\u00e4tigkeiten der Gruppe auf Nachhaltigkeitsaspekte sowie das Verst\u00e4ndnis der </span></div><div class=\"ps30255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auswirkungen von Nachhaltigkeitsaspekten auf Gesch\u00e4ftsverlauf, Gesch\u00e4ftsergebnis und Lage der Gruppe erforderlich sind </span></div><div class=\"ps30256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und dar\u00fcber berichtet, wie diese Angaben ermittelt wurden. Weiters best\u00e4tigen wir, dass die Angaben nach Artikel 8 </span></div><div class=\"ps30257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Taxonomie-Verordnung (EU) 2020/852, in Verbindung mit der Delegierten Verordnung (EU) 2021/2178, nach bestem Wissen </span></div><div class=\"ps30258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt wurden.</span></div><span class=\"f charStyle-9eccfdcb ps30259\">igniert von:</span><div class=\"ps30263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30261\"> Wien, am </span><span class=\"f charStyle-9eccfdcb ps30262\">17. Februar 2026</span></div><div class=\"ps30264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30220\">Der Vorstand</span></div><div class=\"ps30266 ss0\"><div class=\"ss1512 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:221.25pt\"></td><td style=\"padding:0;width:221.25pt\"></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps12 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20956\">Dr. Johann Strobl e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps24023\">Vorsitzender des Vorstands, CEO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps5429 ss1511\"><div><div class=\"ps30229 ss1510\"><span class=\"f charStyle-7627a8a6 ps30228\">Mag. Marie-Valerie Brunner e.h.</span></div><div class=\"ps30230 ss1510\"><span class=\"f charStyle-7627a8a6 ps11069\">Mitglied des Vorstands, CIB Customer Coverage und </span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps30231\">CIB Products &amp; Solutions</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps30232 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps18774\">Mag. Andreas Gschwenter e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps20083\">Mitglied des Vorstands, COO/CIO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30233 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps22200\">Kamila Makhmudova, LL.M. MBA e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps808\">Mitglied des Vorstands, CFO</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps11755 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20560\">Dr. Hannes M\u00f6senbacher e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps28357\">Mitglied des Vorstands, CRO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30234 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps28167\">Dr. Andrii Stepanenko e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps12626\">Mitglied des Vorstands, Retail Banking</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30214\">S</span><span class=\"f charStyle-9eccfdcb ps30259\">igniert von:</span></div><div class=\"ps32937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30217\">Wien, am 17. Februar 2026</span></div><div class=\"ps32938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30220\">Der Vorstand<span class=\"f ps24\"> </span></span></div><div class=\"ps32940 ss0\"><div class=\"ss1512 ws0 ps30235\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:221.25pt\"></td><td style=\"padding:0;width:221.25pt\"></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps12 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20956\">Dr. Johann Strobl e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps24023\">Vorsitzender des Vorstands, CEO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps5429 ss1511\"><div><div class=\"ps30229 ss1510\"><span class=\"f charStyle-7627a8a6 ps30228\">Mag. Marie-Valerie Brunner e.h.</span></div><div class=\"ps30230 ss1510\"><span class=\"f charStyle-7627a8a6 ps23769\"> Mitglied des Vorstands, CIB Customer Coverage und </span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps30231\">CIB Products &amp; Solutions</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps30232 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps18774\">Mag. Andreas Gschwenter e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps20083\">Mitglied des Vorstands, COO/CIO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30233 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps22200\">Kamila Makhmudova, LL.M. MBA e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps808\">Mitglied des Vorstands, CFO</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps11755 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20560\">Dr. Hannes M\u00f6senbacher e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps28357\">Mitglied des Vorstands, CRO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30234 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps28167\">Dr. Andrii Stepanenko e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps12626\">Mitglied des Vorstands, Retail Banking</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps30242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">Erkl\u00e4rung der <span id=\"i40d49c3f596b411ba38eb814f5a4865c\"></span></span></div><div class=\"ps30243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">gesetzlichen Vertreter </span></div><div class=\"ps30245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">gem\u00e4\u00df \u00a7 124 Abs 1 Z 3 </span></div><div class=\"ps30421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">B\u00f6rseG 2018</span></div><div class=\"ps34147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wir best\u00e4tigen nach bestem Wissen, dass der im Einklang mit den ma\u00dfgeblichen Rechnungslegungsstandards aufgestellte </span></div><div class=\"ps34148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresabschluss ein m\u00f6glichst getreues Bild der Verm\u00f6gens-, Finanz- und Ertragslage des Unternehmens vermittelt, dass der </span></div><div class=\"ps34149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Lagebericht den Gesch\u00e4ftsverlauf, das Gesch\u00e4ftsergebnis und die Lage des Unternehmens so darstellt, dass ein m\u00f6glichst </span></div><div class=\"ps34150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getreues Bild der Verm\u00f6gens-, Finanz- und Ertragslage des Unternehmens entsteht, und dass der Lagebericht die wesentlichen </span></div><div class=\"ps34151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken und Ungewissheiten beschreibt, denen das Unternehmen ausgesetzt ist. </span></div><div class=\"ps34152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30214\">S</span><span class=\"f charStyle-9eccfdcb ps30259\">igniert von:</span></div><div class=\"ps34153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30261\"> Wien, am </span><span class=\"f charStyle-9eccfdcb ps30262\">17. Februar 2026</span></div><div class=\"ps34154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30220\">Der Vorstand</span></div><div class=\"ps34156 ss0\"><div class=\"ss1512 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:221.25pt\"></td><td style=\"padding:0;width:221.25pt\"></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps12 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20956\">Dr. Johann Strobl e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps24023\">Vorsitzender des Vorstands, CEO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps5429 ss1511\"><div><div class=\"ps30229 ss1510\"><span class=\"f charStyle-7627a8a6 ps30228\">Mag. Marie-Valerie Brunner e.h.</span></div><div class=\"ps30230 ss1510\"><span class=\"f charStyle-7627a8a6 ps23769\"> Mitglied des Vorstands, CIB Customer Coverage und </span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps30231\">CIB Products &amp; Solutions</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps30232 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps18774\">Mag. Andreas Gschwenter e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps20083\">Mitglied des Vorstands, COO/CIO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30233 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps22200\">Kamila Makhmudova, LL.M. MBA e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps808\">Mitglied des Vorstands, CFO</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps11755 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20560\">Dr. Hannes M\u00f6senbacher e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps28357\">Mitglied des Vorstands, CRO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30234 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps28167\">Dr. Andrii Stepanenko e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps12626\">Mitglied des Vorstands, Retail Banking</span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuthorisationOfFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-556": {
   "value": "<div class=\"ps30530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-c876bb70 ps17\">Raiffeisen Bank </span></div><div class=\"ps30531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-c876bb70 ps17\">International AG</span></div><div class=\"ps30588 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">Jahresabschluss<span id=\"i01ded2de353f431082dd8c2b6076a1f3\"></span></span></div><div class=\"ps30589 ss0\" style=\"font-size:32pt\"><span class=\"f charStyle-b36b224a ps17\">\u00b7</span><span class=\"f charStyle-736311c3 ps2238\"> </span><span class=\"f charStyle-9eccfdcb ps26\"> </span><span class=\"f charStyle-5ce759ba ps27\">Bilanz<span id=\"ie50f77cc35744979948691c2f9785fb9\"></span></span></div><div class=\"ps30629 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:282.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps30590 ss1159\"><div><div class=\"ps264 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">AKTIVA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23758\">in \u20ac<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13031\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30591 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Kassenbestand und Guthaben bei Zentralnotenbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23472\">4.458.588.189,11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19463\">7.802.335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30592 ss1525\"><div><div class=\"ps1485 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldtitel \u00f6ffentlicher Stellen und \u00e4hnliche Wertpapiere die zur Refinanzierung bei den <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralnotenbanken zugelassen sind<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps1947\">14.024.087.935,66<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps353\">10.803.280<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30593 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30594 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10474\">11.622.166.349,31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21664 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15153\">14.596.507<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30595 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) T\u00e4glich f\u00e4llig<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18685 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30596\">2.545.805.626,70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18687 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8696\">2.656.469<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30597 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Sonstige Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18690 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30598\">9.076.360.722,61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18691 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1540\">11.940.039<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30599 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18694 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15140\">28.155.445.147,12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18696 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7101\">27.618.821<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30600 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und andere festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18698 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6976\">4.226.881.983,17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18700 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13098\">3.619.755<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30601 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) Von \u00f6ffentlichen Emittenten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18701 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10490\">250.561.675,49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18702 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18604\">147.874<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30602 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Von anderen Emittenten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18704 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30603\">3.976.320.307,68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18705 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps40\">3.471.881<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30604 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: eigene Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30605 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27138\">1.188.025.228,98<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21707 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps97\">1.207.576<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30606 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30607 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3047\">926.020.656,83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12556\">866.527<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1588 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30608 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30609 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24409\">91.268.442,65<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21720 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17496\">79.984<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30610 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: an Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30611 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1872\">33.909.666,83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21727 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17989\">28.837<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1617 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30612 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30613 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1484\">9.152.677.391,41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21734 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1667\">8.939.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30614 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: an Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30615 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12858\">938.399.690,89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21741 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17477\">944.589<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1639 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30616 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6gensgegenst\u00e4nde des Anlageverm\u00f6gens<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30617 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6392\">15.255.789,16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17142\">17.337<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1653 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30618 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30619 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18109\">13.649.571,49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21756 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17782\">15.830<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1666 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30620 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30621 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11399\">6.310.915.916,46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30622\">7.606.944<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5303 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30623 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungsposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30624 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11030\">112.991.074,58<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21771 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1509\">107.368<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5305 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30625 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Aktive latente Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30626 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1575\">644.462,13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5660\">738<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30627 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30628 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1856\">79.110.592.909,08<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7194\">82.075.127<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:282.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps30590 ss1159\"><div><div class=\"ps264 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">PASSIVA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23758\">in \u20ac<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13031\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30591 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30634\">21.575.315.232,69<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps477\">25.503.419<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps30592 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) T\u00e4glich f\u00e4llig<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9435\">2.646.965.470,18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13210\">4.675.855<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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:0.5pt solid #000;padding:0\"><div class=\"ps30635 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Mit vereinbarter Laufzeit oder K\u00fcndigungsfrist<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps2036\">18.928.349.762,51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1593\">20.827.565<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30636 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps29409\">17.127.562.052,81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20501\">17.740.795<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30637 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) Spareinlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20221\">0,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;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=\"ps30638 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Sonstige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps29409\">17.127.562.052,81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20501\">17.740.795<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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:0.5pt solid #000;padding:0\"><div class=\"ps30639 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">aa) T\u00e4glich f\u00e4llig<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30640\">5.645.580.715,72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1640\">5.623.419<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30641 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">bb) Mit vereinbarter Laufzeit oder K\u00fcndigungsfrist<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14953\">11.481.981.337,09<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps212\">12.117.376<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30642 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1214\">20.290.268.452,93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14902\">19.165.186<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30643 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) Begebene Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30644\">18.663.908.032,79<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps174\">17.527.347<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30645 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Andere verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30646\">1.626.360.420,14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1700\">1.637.839<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30647 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30648\">4.869.688.668,12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19684\">4.710.813<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30649 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Rechnungsabgrenzungsposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30650\">246.900.230,80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25426\">239.322<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30651 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30652\">1.702.891.452,68<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12846\">1.533.955<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30653 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) R\u00fcckstellung f\u00fcr Abfertigungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21192\">49.172.113,08<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22705\">53.133<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30654 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) R\u00fcckstellung f\u00fcr Pensionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12946\">43.044.032,18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22200\">56.022<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30655 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">c) Steuerr\u00fcckstellungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18402 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6331\">41.957.977,64<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17427\">34.604<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30656 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">d) Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18406 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11268\">1.568.717.329,78<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6729\">1.390.196<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30657 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Erg\u00e4nzungskapital gem\u00e4\u00df Teil 2 Titel I Kapitel 4 der Verordnung (EU) Nr. 575/2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18409 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26168\">2.027.500.000,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18410 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19522\">2.278.528<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30658 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliches Kernkapital gem\u00e4\u00df Teil\u00a02 Titel\u00a0I Kapitel\u00a03 der Verordnung\u00a0(EU) Nr.\u00a0575/2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18413 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30659\">1.655.072.860,06<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18415 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16894\">1.832.142<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps288 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30660 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Gezeichnetes Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18416 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11331\">1.001.134.604,70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18417 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19735\">1.001.664<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30661 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) Grundkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18420 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27172\">1.003.265.844,05<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps360\">1.003.266<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30662 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Nennbetrag eigener Aktien im Eigenbestand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18424 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8733\">-2.131.239,35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18425 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22298\">-1.602<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps319 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30663 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalr\u00fccklagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18428 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27202\">4.425.280.953,46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18430 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps240\">4.429.136<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30664 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) Gebundene<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18431 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30665\">4.340.692.085,17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps300\">4.335.669<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30666 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Ungebundene<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18435 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3834\">84.588.868,29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18437 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18703\">93.467<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps346 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30667 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Gewinnr\u00fccklagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18439 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11484\">2.405.331.202,96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18440 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12488\">2.400.734<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30668 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) Gesetzliche R\u00fccklage<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26635 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11485\">5.500.000,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26636 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18471\">5.500<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30669 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Andere R\u00fccklagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26639 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25394\">2.399.831.202,96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26640 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19678\">2.395.234<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30670 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Haftr\u00fccklage gem\u00e4\u00df \u00a7 57 Abs. 5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26643 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21209\">535.097.489,59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26644 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25443\">535.097<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps390 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30671 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Bilanzgewinn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26647 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14408\">1.248.549.708,28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26648 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12619\">704.335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30672 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26651 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1856\">79.110.592.909,08<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26652 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7194\">82.075.127<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps30673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Posten unter der Bilanz<span id=\"ieaaaa71fc47b48a6b395157b1f152478\"></span></span></div><div class=\"ps30674 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:282.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps30590 ss1159\"><div><div class=\"ps3137 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">AKTIVA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23758\">in \u20ac<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13031\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss900\"><div><div class=\"ps3137 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30591 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Auslandsaktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps2720\">44.742.884.591,83<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20494\">44.710.442<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps30677 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:282.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps30590 ss1159\"><div><div class=\"ps264 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">PASSIVA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23758\">in \u20ac<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13031\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30591 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Eventualverbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7103\">7.317.058.803,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps468\">7.477<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30592 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten aus B\u00fcrgschaften und Haftung aus der Bestellung von Sicherheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7103\">7.317.058.803,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps468\">7.477<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30635 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30675\">21.959.510.945,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17802\">20.158<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30636 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">darunter: Verbindlichkeiten aus Pensionsgesch\u00e4ften<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20221\">0,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30637 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Verbindlichkeiten aus Treuhandgesch\u00e4ften<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9427\">154.038.207,08<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17680\">179.909<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30638 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Anrechenbare Eigenmittel gem\u00e4\u00df Teil 2 der Verordnung (EU) Nr. 575/2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30676\">11.315.588.587,59<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10700\">11.921.976<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30639 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">darunter: Erg\u00e4nzungskapital gem\u00e4\u00df Teil 2 Titel I Kapitel 4 der Verordnung (EU) Nr. 575/2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14953\">2.026.487.053,32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10698\">2.208.093<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30641 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Eigenmittelanforderungen gem\u00e4\u00df Art 92 der Verordnung (EU) Nr. 575/2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps2729\">37.338.375.841,50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps364\">37.123.819<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30642 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">darunter: Eigenmittelanforderungen gem\u00e4\u00df Art 92 Abs 1 lit a bis c der Verordnung (EU) Nr. 575/2013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;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\"></td></tr><tr style=\"height:11.25pt\"><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=\"ps30643 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">a) hievon harte Kernkapitalquote gem\u00e4\u00df Art 92 lit a)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8748\"></span><span class=\"ps8748\">20,6 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20175\"></span><span class=\"ps20175\">21,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30645 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">b) hievon Kernkapitalquote gem\u00e4\u00df Art 92 lit b)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10482\"></span><span class=\"ps10482\">24,9 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17885\"></span><span class=\"ps17885\">26,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30647 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">c) hievon Gesamtkapitalquote gem\u00e4\u00df Art 92 lit c)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8754\"></span><span class=\"ps8754\">30,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27337\"></span><span class=\"ps27337\">32,1 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30649 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Auslandspassiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30634\">19.033.127.169,44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1536\">21.985.750<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-5ce759ba ps27\">Gewinn- und Verlustrechnung<span id=\"id6152b8ed98846098189813b2c2a21f1\"></span></span><div class=\"ps520 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:282.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23758\">in \u20ac<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13031\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30591 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsen und \u00e4hnliche Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16663\">2.118.767.273,20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps493\">2.936.955<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30592 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: aus festverzinslichen Wertpapieren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17777\">371.742.793,96<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1460\">289.457<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30635 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsen und \u00e4hnliche Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14976\">-1.793.750.490,53<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20547\">-2.608.559<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps30\">I.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30636 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">NETTOZINSERTRAG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps3323\">325.016.782,67<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18643\">328.396<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30637 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus Wertpapieren und Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25828\">1.388.616.273,15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps307\">2.278.249<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30638 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) Ertr\u00e4ge aus Aktien, anderen Anteilsrechten und nicht festverzinslichen Wertpapieren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6462\">58.346.157,14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26542\">62.188<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30639 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Ertr\u00e4ge aus Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1073\">14.918.359,49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18114\">13.760<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30641 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">c) Ertr\u00e4ge aus Anteilen an verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1135\">1.315.351.756,52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps100\">2.202.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30642 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5370\">539.579.393,48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15649\">568.518<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30643 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Provisionsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6734\">-194.825.574,37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19683\">-209.790<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30645 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge/Aufwendungen aus Finanzgesch\u00e4ften<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9335\">19.364.908,44<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22537\">110.859<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30647 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige betriebliche Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9590\">288.602.212,54<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12614\">300.404<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps30\">II.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30649 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">BETRIEBSERTR\u00c4GE<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27200\">2.366.353.995,91<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7174\">3.376.636<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30651 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Allgemeine Verwaltungsaufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11484\">-964.463.849,40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11963\">-1.018.738<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30653 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">a) Personalaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30679\">-534.556.252,94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18078\">-534.106<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30654 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: aa) L\u00f6hne und Geh\u00e4lter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25713\">-421.406.540,60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6710\">-413.293<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><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=\"ps30655 ss1525\"><div><div class=\"ps1485 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">bb) Aufwand f\u00fcr gesetzlich vorgeschriebene soziale Abgaben und vom Entgelt abh\u00e4ngige Abgaben und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">Pflichtbeitr\u00e4ge</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18402 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps21118\">-94.829.363,60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18404 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18104\">-90.098<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30620 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">cc) Sonstiger Sozialaufwand<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30621 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9086\">-10.356.441,15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21763 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18385\">-9.852<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30623 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">dd) Aufwendungen f\u00fcr Altersversorgung und Unterst\u00fctzung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30624 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21210\">-14.040.984,35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21771 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7808\">-14.576<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30625 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">ee) Dotierung/Aufl\u00f6sung der Pensionsr\u00fcckstellung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30626 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11024\">12.974.095,17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18382\">5.452<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30627 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">ff) Aufwendungen f\u00fcr Abfertigungen und Leistungen an betriebliche Vorsorgekassen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30628 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30680\">-6.897.018,41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21785 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17427\">-11.738<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps30681 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">b) Sonstige Verwaltungsaufwendungen (Sachaufwand)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30682 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3298\">-429.907.596,46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21792 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15881\">-484.631<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30683 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Wertberichtigungen auf die in den Aktivposten 9 und 10 enthaltenen Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30684 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11436\">-9.367.587,21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21799 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7817\">-12.100<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5220 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30685 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige betriebliche Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30686 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps2032\">-448.029.121,50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29453 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27387\">-827.649<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps30\">III.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30687 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">BETRIEBSAUFWENDUNGEN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30688 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19298\">-1.421.860.558,11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29457 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps6979\">-1.858.487<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5225 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps30\">IV.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30689 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">BETRIEBSERGEBNIS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30690 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27139\">944.493.437,80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29463 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps100\">1.518.149<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">11./12.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30691 ss1525\"><div><div class=\"ps1485 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Ertrags-/ Aufwandssaldo aus der Ver\u00e4u\u00dferung und der Bewertung von Forderungen und Wertpapieren des <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Umlaufverm\u00f6gens</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30692 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps2057\">-185.583.302,71<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29467 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps458\">-176.110<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5234 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">13./14.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30693 ss1525\"><div><div class=\"ps1485 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Ertrags-/ Aufwandssaldo aus der Ver\u00e4u\u00dferung und der Bewertung von Wertpapieren, die wie <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Finanzanlagen bewertet sind, sowie von Anteilen an verbundenen Unternehmen und Beteiligungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18773 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps9273\">207.960.473,13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18775 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps15095\">-1.187.561<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3919 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps30\">V.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30694 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">ERGEBNIS DER GEW\u00d6HNLICHEN GESCH\u00c4FTST\u00c4TIGKEIT<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30695 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10948\">966.870.608,22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30697 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps30696\">154.478<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3921 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30698 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30699 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12529\">19.935.552,99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30700 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18488\">12.354<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30701 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Steuern, soweit nicht in Posten 15 auszuweisen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30703 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30702\">-77.313.349,81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30704 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23659\">-23.109<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8694 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30705 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Umgr\u00fcndungsergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30706 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20221\">0,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30707 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5662\">164.185<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7871 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">VI.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30708 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">JAHRES\u00dcBERSCHUSS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30709 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9361\">909.492.811,40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8128\">307.908<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8425 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30711 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fccklagenbewegung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30712 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11402\">-4.596.847,40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21404\">-24.557<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;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=\"ps30714 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: Dotierung der Haftr\u00fccklage<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30715 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20221\">0,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30716 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps30\">VII.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30717 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">JAHRESGEWINN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps30718\">904.895.964,00<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30720 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7392\">283.351<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5329 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30\">19<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30721 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-375ad3a6 ps30\">Gewinnvortrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10645\">343.653.744,28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17279\">420.984<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5561 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-1dbd4d87 ps30\">VIII.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30724 ss1159\"><div><div class=\"ps31 ss879\"><span class=\"f charStyle-1dbd4d87 ps30\">Bilanzgewinn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30726 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps30725\">1.248.549.708,28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30727 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps109\">704.335<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps30242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">Anhang<span id=\"if355c11840994c96968552384eee9cde\"></span></span></div><span class=\"f charStyle-5ce759ba ps26\">Allgemeine Angaben<span id=\"i03659c891cf74640bf90d33a65f65737\"></span></span><div class=\"ps30729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Raiffeisen Bank International AG (RBI AG) ist beim Handelsgericht Wien im Firmenbuch unter FN 122119m registriert. Die </span></div><div class=\"ps30730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenanschrift lautet Am Stadtpark 9, 1030 Wien. Der Jahresabschluss wird beim Firmenbuchgericht hinterlegt und \u00fcber die <span class=\"f ps24\"> </span></span></div><div class=\"ps30731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">elektronische Verlautbarungs- und Informationsplattform (EVI) ver\u00f6ffentlicht.</span></div><div class=\"ps30732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Jahresabschluss zum 31. Dezember 2025 wurde vom Vorstand gem\u00e4\u00df den Vorschriften des Unternehmensgesetzbuches </span></div><div class=\"ps30733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(UGB) in der aktuellen Fassung unter Beachtung der relevanten Sondervorschriften des Bankwesengesetzes (BWG) einschlie\u00dflich <span class=\"f ps24\"> </span></span></div><div class=\"ps30734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der CRR-Verordnung 575/2013/EU sowie des Aktiengesetzes (AktG) aufgestellt. </span></div><div class=\"ps30735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gem\u00e4\u00df \u00a7 221 UGB (Gr\u00f6\u00dfenklassen) ist die RBI AG als gro\u00dfe Kapitalgesellschaft einzustufen. Bei der Gesellschaft handelt es sich </span></div><div class=\"ps30736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um ein Unternehmen von \u00f6ffentlichem Interesse gem\u00e4\u00df \u00a7 43 Abs 1a BWG iVm mit \u00a7 189a UGB. Die RBI AG ist eine Kommerz- und </span></div><div class=\"ps30737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investmentbank f\u00fcr Unternehmen in \u00d6sterreich und f\u00fcr westeurop\u00e4ische Gro\u00dfkunden. In Zentral- und Osteuropa (CEE) h\u00e4lt sie </span></div><div class=\"ps30738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines der gr\u00f6\u00dften Netzwerke westlicher Bankengruppen. Hier operiert sie \u00fcber Tochterbanken, Leasinggesellschaften und </span></div><div class=\"ps30741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zahlreiche spezialisierte Finanzdienstleistungsunternehmen mit rund </span><span class=\"f charStyle-9eccfdcb ps30739\">1.300</span><span class=\"f charStyle-9eccfdcb ps30740\"> Gesch\u00e4ftsstellen. In \u00d6sterreich ist die RBI AG dar\u00fcber </span></div><div class=\"ps30742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinaus auch\u00a0 in den Bereichen Wohnraumfinanzierung, Leasing, Asset Management, Pensionskassengesch\u00e4fte, Factoring sowie </span></div><div class=\"ps30745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Private Banking aktiv. Die rund </span><span class=\"f charStyle-9eccfdcb ps30743\">18,6</span><span class=\"f charStyle-9eccfdcb ps30744\"> Millionen Kund:innen der RBI stammen aus den Kundensegmenten Kommerzkunden, Klein- </span></div><div class=\"ps30746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Mittelbetriebe, Privatpersonen, Finanzinstitutionen und Gebietsk\u00f6rperschaften. Dar\u00fcber hinaus hat sie die Funktion als </span></div><div class=\"ps30747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Spitzeninstitut der Raiffeisen Bankengruppe \u00d6sterreich (RBG) und \u00fcbt gem\u00e4\u00df BWG die Funktion als Zentralinstitut der </span></div><div class=\"ps30748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen-Landesbanken aus.</span></div><div class=\"ps30749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG besitzt Zweigstellen in Bratislava, Frankfurt, London, Warschau, Singapur und Peking. </span></div><div class=\"ps30750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Da Aktien der Gesellschaft an einem geregelten Markt gem\u00e4\u00df \u00a7 1 Abs. 2 B\u00f6rseG (prime market der Wiener B\u00f6rse) gehandelt </span></div><div class=\"ps30751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, sowie zahlreiche Emissionen der RBI AG an einer geregelten B\u00f6rse in der EU zugelassen sind, hat die RBI AG gem\u00e4\u00df </span></div><div class=\"ps30752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00a7\u00a059a BWG einen Konzernabschluss in \u00dcbereinstimmung mit den IFRS Accounting Standards aufzustellen. Dieser </span></div><div class=\"ps30753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschluss wird im Internet unter https://www.rbinternational.com/de/investoren/berichte.html ver\u00f6ffentlicht.</span></div><div class=\"ps30754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als Kreditinstitut gem\u00e4\u00df \u00a7 1 BWG unterliegt die RBI AG der beh\u00f6rdlichen Aufsicht durch die Finanzmarktaufsichtsbeh\u00f6rde, Otto-</span></div><div class=\"ps30757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wagner-Platz 5, A-1090 Wien (</span><span class=\"f charStyle-e6305a27 ps30755\"><a class=\"Hyperlink\" href=\"http://www.fma.gv.at\" style=\"z-index:1\">www.fma.gv.at</a></span><span class=\"f charStyle-9eccfdcb ps30756\">) sowie durch die Europ\u00e4ische Zentralbank, Sonnemannstrasse, 20 D-60314 </span></div><div class=\"ps30760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Frankfurt am Main (</span><span class=\"f charStyle-e6305a27 ps30758\"><a class=\"Hyperlink\" href=\"http://www.bankingsupervision.europa.eu\" style=\"z-index:1\">www.bankingsupervision.europa.eu</a></span><span class=\"f charStyle-9eccfdcb ps30759\">).</span></div><div class=\"ps30761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Offenlegungsanforderungen des Teil 8 der EU-Verordnung 575/2013 \u00fcber Aufsichtsanforderungen an Kreditinstitute (Capital </span></div><div class=\"ps30762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Requirements Regulation, CRR) werden im Internet auf der Webseite der Bank unter https://www.rbinternational.com/de/</span></div><div class=\"ps30763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">investoren/berichte.html ver\u00f6ffentlicht.</span></div><div class=\"ps30764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Gesetzliches Einlagensicherungs- und <span id=\"ie3e68afaac9c4812ae86b7fa3b66b75f\"></span></span></div><div class=\"ps30765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Anlegerentsch\u00e4digungssystem \u2013 \u00d6sterreichische </span></div><div class=\"ps30766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Raiffeisen-Sicherungseinrichtung eGen</span></div><div class=\"ps30767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im M\u00e4rz 2021 schlossen die RBI AG, ihre \u00f6sterreichischen Tochterbanken, Raiffeisen-Landeszentralen und Raiffeisenbanken eine <span class=\"f ps24\"> </span></span></div><div class=\"ps30768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarung \u00fcber ein neues institutsbezogenes Sicherungssystem (Raiffeisen-IPS) gem\u00e4\u00df Artikel 113 Abs 7 CRR (Kapital-</span></div><div class=\"ps30769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ad\u00e4quanzverordnung der Europ\u00e4ischen Union \u2013 Capital Requirements Regulation) ab. Darin verpflichten sich die teilnehmenden </span></div><div class=\"ps30770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Institute einander gegenseitig abzusichern und insbesondere bei Bedarf einander die Liquidit\u00e4t und Solvenz sicherzustellen. </span></div><div class=\"ps30771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses neue Raiffeisen-IPS wurde im Mai 2021 von den zust\u00e4ndigen Aufsichtsbeh\u00f6rden EZB und FMA als institutsbezogenes </span></div><div class=\"ps30772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungssystem im Sinne von Artikel 113 Abs 7 CRR mit den damit verbundenen Rechten und Pflichten der teilnehmenden </span></div><div class=\"ps30773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Institute anerkannt. Danach d\u00fcrfen unter anderem Forderungen zwischen den Raiffeisen-IPS-Mitgliedern mit einem </span></div><div class=\"ps30774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikogewicht von null Prozent angesetzt werden. Das Raiffeisen-IPS unterliegt einer gemeinsamen aufsichtsrechtlichen </span></div><div class=\"ps30775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcberwachung. Es sind unter anderem die Eigenmittelbestimmungen auf konsolidierter Basis einzuhalten.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die \u00d6sterreichische Raiffeisen-Sicherungseinrichtung eGen (\u00d6RS) nimmt f\u00fcr das Raiffeisen-IPS Aufgaben der </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikofr\u00fcherkennung und das Berichtswesen wahr. Die \u00d6RS verwaltet als Treuh\u00e4nderin das liquide Sonderverm\u00f6gen des </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen-IPS. </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Raiffeisen-IPS wird durch den Gesamtrisikorat gesteuert, der sich aus Vertreter:innen der RBI AG, der Raiffeisen-</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landeszentralen und der Raiffeisenbanken zusammensetzt. Aufgaben, die auf Landesebene gel\u00f6st werden k\u00f6nnen, hat der </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtrisikorat an Landesrisikor\u00e4te delegiert, die sich aus Vertreter:innen der jeweiligen Raiffeisen-Landeszentrale und den </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbanken des Landes zusammensetzen. </span></div><span class=\"f charStyle-5ce759ba ps26\">Bilanzierungs- und <span id=\"iec1ec4a25e0c460cac38a7a2fc422942\"></span></span><div class=\"ps30778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Bewertungsmethoden</span></div><div class=\"ps30779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Allgemeine Grunds\u00e4tze<span id=\"i920d713cb73b40f096f7bd3292187320\"></span></span></div><div class=\"ps30780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Jahresabschluss wird unter Beachtung der Grunds\u00e4tze ordnungsm\u00e4\u00dfiger Buchf\u00fchrung, den Ausweis- und </span></div><div class=\"ps30781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsvorschriften des Bankwesengesetzes sowie unter Beachtung der Generalnorm des \u00a7 222 Abs. 2 UGB, ein m\u00f6glichst </span></div><div class=\"ps30782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getreues Bild der Verm\u00f6gens-, Finanz- und Ertragslage des Unternehmens zu vermitteln, aufgestellt.</span></div><div class=\"ps30783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Erstellung des Jahresabschlusses wird der Grundsatz der Bilanzkontinuit\u00e4t eingehalten. </span></div><div class=\"ps30784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Bewertung der Verm\u00f6gensgegenst\u00e4nde und Schulden wird der Grundsatz der Einzelbewertung beachtet und eine </span></div><div class=\"ps30785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fortf\u00fchrung des Unternehmens unterstellt. Dem Vorsichtsprinzip wird unter Ber\u00fccksichtigung der Besonderheiten des </span></div><div class=\"ps30786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bankgesch\u00e4ftes Rechnung getragen. </span></div><div class=\"ps30787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Fremdw\u00e4hrungsbetr\u00e4ge<span id=\"iacd42742fa354ff3a49c8726d3ab2c57\"></span></span></div><div class=\"ps30788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auf ausl\u00e4ndische W\u00e4hrung lautende Verm\u00f6genswerte und Verbindlichkeiten werden gem\u00e4\u00df \u00a7 58 Abs. 1 BWG zum EZB-</span></div><div class=\"ps30789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Referenzkurs per 31.12.2025 umgerechnet. Devisentermingesch\u00e4fte werden gem\u00e4\u00df \u00a7 58 Abs. 2 BWG zum Terminkurs per </span></div><div class=\"ps30790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">31.12.2025 umgerechnet.</span></div><div class=\"ps3995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Da die EZB Anfang M\u00e4rz 2022 die Ver\u00f6ffentlichung eines offiziellen EUR/RUB-Wechselkurses einstellte, sah sich die RBI AG dazu </span></div><div class=\"ps3996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">veranlasst, einen alternativen g\u00fcltigen Wechselkurs zu definieren. F\u00fcr EUR/RUB bildeten sich am Devisenmarkt theoretisch </span></div><div class=\"ps3997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">offizielle Umrechnungskurse (On-Shore-Kurse), die von der russischen Zentralbank beziehungsweise auf Basis der Daten der </span></div><div class=\"ps3998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Moskauer B\u00f6rse ermittelt werden, sowie faktisch erreichbare Umrechnungskurse (Off-Shore-Kurse), die beispielsweise von </span></div><div class=\"ps30791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bloomberg ermittelt werden. Aufgrund der derzeitigen Einschr\u00e4nkungen ist davon auszugehen, dass Zahlungsfl\u00fcsse mit </span></div><div class=\"ps4080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland nicht zum offiziellen Wechselkurs umgerechnet werden k\u00f6nnen. Nachdem EUR/RUB Transaktionen mit internationalen </span></div><div class=\"ps4081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Banken \u00fcblicherweise mit Off-Shore-Kursen abgerechnet werden, entspricht ein solcher Kurs eher dem tats\u00e4chlichen und </span></div><div class=\"ps4082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">faktisch erreichbaren Kurs. Aus diesem Grund wird f\u00fcr die Bewertung von RUB Transaktionen und Verm\u00f6gensgegenst\u00e4nden in </span></div><div class=\"ps4083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI AG zum Bilanzstichtag ein EUR/RUB Off-Shore-Kurs verwendet.</span></div><div class=\"ps30792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Bewertung zum beizulegenden Zeitwert <span id=\"i8530e8bbb708490e9448199fb756f9ee\"></span></span></div><div class=\"ps30793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Ermittlung des beizulegenden Zeitwertes werden bei b\u00f6rsennotierten Produkten die B\u00f6rsenkurse herangezogen. Sind </span></div><div class=\"ps30794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solche Kurse nicht vorhanden, werden bei origin\u00e4ren Finanzinstrumenten und Termingesch\u00e4ften Preise auf Basis von </span></div><div class=\"ps30795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwertberechnungen und bei Optionen anhand von geeigneten Optionspreismodellen ermittelt. Der Barwertberechnung wird </span></div><div class=\"ps30796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Zinskurve zugrunde gelegt, die sich aus Geldmarkt-, Future- und Swaps\u00e4tzen ableitet und keine Bonit\u00e4tsaufschl\u00e4ge </span></div><div class=\"ps30797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beinhaltet. Als Optionsformeln werden jene nach Black-Scholes 1972, Black 1976 und Garman-Kohlhagen verwendet, sowie </span></div><div class=\"ps30798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weitere markt\u00fcbliche Modelle zur Bewertung von strukturierten Optionen.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei OTC-Derivaten kommen Bewertungsanpassungen f\u00fcr das Kontrahentenausfallrisiko (Credit Value Adjustment - CVA) und </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassungen f\u00fcr das eigene Kreditrisiko (Debit Value Adjustment - DVA) zur Anwendung. Die CVA-Bewertungsanpassung </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besteht einerseits aus der Ermittlung des zuk\u00fcnftig erwarteten positiven Risikobetrags (expected positiv exposures) und </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">andererseits aus der Ausfallwahrscheinlichkeit des Kontrahenten. Die DVA-Bewertungsanpassung wird durch den erwarteten </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">negativen Risikobetrag (expected negative exposure) und durch die Kreditqualit\u00e4t der RBI AG bestimmt. </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um den zu erwartenden positiven Risikobetrag zu ermitteln, wird unter Ber\u00fccksichtigung aller verf\u00fcgbarer Risikofaktoren (z. B. </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrungs- und Zinskurven) eine gro\u00dfe Anzahl von Szenarien f\u00fcr zuk\u00fcnftige Zeitpunkte simuliert. Die OTC-Derivate (Over The </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Counter - OTC) werden unter Ber\u00fccksichtigung dieser Szenarien an den jeweiligen zuk\u00fcnftigen Zeitpunkten zu Marktwerten </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet und auf Kontrahentenebene aggregiert, um abschlie\u00dfend f\u00fcr alle Zeitpunkte den positiven Risikobetrag zu </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmen. </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als weitere Komponente f\u00fcr die CVA-Bewertungsanpassung muss f\u00fcr jeden Kontrahenten eine Ausfallwahrscheinlichkeit </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermittelt werden. Die RBI AG leitet, sofern CDS-Quotierungen (Credit Default Swap - CDS) zur Verf\u00fcgung stehen, f\u00fcr den </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jeweiligen Kontrahenten die marktbasierte Ausfallwahrscheinlichkeit und implizit die Verlustquote (Loss Given Default - LGD) <span class=\"f ps24\"> </span></span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ab. Die Ausfallwahrscheinlichkeit von nicht aktiv am Markt gehandelten Kontrahenten wird durch Zuordnung des internen </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratings eines Kontrahenten an eine sektor- und ratingspezifische CDS-Kurve bestimmt. </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die DVA-Bewertungsanpassung wird durch den erwarteten negativen Risikobetrag und durch die Kreditqualit\u00e4t der RBI AG </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmt und stellt die Wertanpassung in Bezug auf die eigene Ausfallwahrscheinlichkeit dar. Die Berechnung erfolgt\u00a0 analog </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum CVA. Aus den simulierten zuk\u00fcnftigen aggregierten Kontrahenten-Markwerten werden anstatt der positiven Risikobetr\u00e4ge </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">negative Risikobetr\u00e4ge bestimmt, welche die zu erwartende Schuld gegen\u00fcber dem Kontrahenten an den jeweiligen </span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftigen Zeitpunkten darstellen. Zur Bestimmung der eigenen Ausfallwahrscheinlichkeit verwendet die RBI eine dem Rating <span class=\"f ps24\"> </span></span></div><div class=\"ps2424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsprechende CDS-Indexkurve f\u00fcr Finanzinstitute.</span></div><div class=\"ps2570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalgarantierte Produkte im Handelsbuch, Garantiefonds und Zukunftsvorsorgefonds, werden als verkaufte Put-Optionen </span></div><div class=\"ps30800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf den jeweiligen zu garantierenden Fonds dargestellt. Die Bewertung basiert auf einer Monte Carlo Simulation und entspricht </span></div><div class=\"ps27777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den gesetzlich vorgeschriebenen Rahmenbedingungen gem\u00e4\u00df \u00a7 57 BWG. </span></div><div class=\"ps30801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Finanzinstrumente im Bankbuch<span id=\"i8dd15bced70b43edb4535eb98eea34ef\"></span></span></div><div class=\"ps2330 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die dauernd dem Gesch\u00e4ftsbetrieb gewidmeten Wertpapiere (Investmentbestand) werden wie Anlageverm\u00f6gen bewertet. Der </span></div><div class=\"ps2331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetrag zwischen Anschaffungskosten und R\u00fcckzahlungsbetrag wird im Finanzanlageverm\u00f6gen ausgewiesen und <span class=\"f ps24\"> </span></span></div><div class=\"ps2332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach der Effektivzinsmethode \u00fcber die Restlaufzeit abgeschrieben bzw. vereinnahmt.</span></div><div class=\"ps30802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapiere des Umlaufverm\u00f6gens werden zu fortgef\u00fchrten Anschaffungskosten oder dem niedrigeren B\u00f6rsenkurs oder </span></div><div class=\"ps30803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beizulegenden Zeitwert bewertet (strenges Niederstwertprinzip). Steigt der Wert im Folgejahr, erfolgt eine Wertaufholung bis </span></div><div class=\"ps30804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">maximal zu den fortgef\u00fchrten Anschaffungskosten.</span></div><div class=\"ps30805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG verwendet Zinssteuerungsderivate zur Absicherung von Zinsrisiken unter Anwendung der Bilanzierungsvorschriften </span></div><div class=\"ps30806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Sicherungsbeziehungen bzw. funktionaler Einheiten (AFRAC 15 Derivate und Sicherungsbeziehungen bzw. FMA Rundschreiben </span></div><div class=\"ps30807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu Rechnungslegungsfragen bei Zinssteuerungsderivaten und zu Bewertungsanpassungen bei Derivaten). </span></div><div class=\"ps30808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate auf Zinss\u00e4tze (Zinsswaps, Zinsoptionen und Zinstermingesch\u00e4fte) und Derivate auf Wechselkurse (Cross Currency </span></div><div class=\"ps14687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsswaps und Devisentermingesch\u00e4fte) werden nach der accrued-interest-Methode bilanziert, wobei Zinsbetr\u00e4ge </span></div><div class=\"ps14688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">periodengerecht abgegrenzt ber\u00fccksichtigt werden.</span></div><div class=\"ps14689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei Designation von Derivaten im Rahmen von effektiven Mikro-Sicherungsbeziehungen erfolgt eine kompensatorische </span></div><div class=\"ps14690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertung von Grundgesch\u00e4ft und Sicherungsderivat.</span></div><div class=\"ps30809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG verwendet Zinsswaps (Interest Rate Swaps), um das Zins\u00e4nderungsrisiko aus bilanziellen Verm\u00f6gensgegenst\u00e4nden </span></div><div class=\"ps30810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Anleihen und Kredite) sowie Verbindlichkeiten (Eigene Emissionen, Schuldscheindarlehen und Depotgesch\u00e4fte) abzusichern, </span></div><div class=\"ps30811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">indem durch Tausch von fixen gegen variable Zahlungsstr\u00f6me das Zinsrisiko minimiert wird. Das W\u00e4hrungsrisiko wird </span></div><div class=\"ps30812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6konomisch durch w\u00e4hrungsbezogene Derivate, wie z. B. Cross Currency Swaps, FX-Swaps oder FX-Forwards abgesichert. </span></div><div class=\"ps30815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die genannten Zinsderivate werden </span><span class=\"f charStyle-9eccfdcb ps30813\">bei Vorliegen der Voraussetzungen </span><span class=\"f charStyle-9eccfdcb ps30814\">als Bewertungseinheit gem\u00e4\u00df AFRAC 15 Derivate und </span></div><div class=\"ps30816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherungsbeziehungen gef\u00fchrt. Da aus den Grundgesch\u00e4ften gegenl\u00e4ufige erfolgswirksame Zahlungsstr\u00f6me </span></div><div class=\"ps30817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcberstehen, wird ein negativer Marktwert der Derivate, abgesehen von einem\u00a0 anteiligen negativen Derivatemarktwert, </span></div><div class=\"ps30818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der die stillen Reserven des Grundgesch\u00e4fts \u00fcbersteigt, nicht erfasst. Dieser ist als Drohverlustr\u00fcckstellung zu ber\u00fccksichtigen.. </span></div><div class=\"ps30819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Effektivit\u00e4tsmessung einer Hedge-Beziehung erfolgt auf prospektiver und retrospektiver Basis. Bei Designation wird durch </span></div><div class=\"ps30820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen prospektiven Effektivit\u00e4tstest mittels Shifts der Zinskurve um 100 Basispunkte die Effektivit\u00e4t \u00fcberpr\u00fcft. Die retrospektive </span></div><div class=\"ps30821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Effektivit\u00e4tsmessung erfolgt auf monatlicher Basis anhand der Dollar Offset Methode bzw. einer Regressionsanalyse. Bei </span></div><div class=\"ps30822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Effektivit\u00e4tsmessung mittels Regressionsanalyse werden aus einer Grundgesamtheit von 20 Datenpunkten die erforderlichen </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnungsparameter ermittelt, die f\u00fcr den retrospektiven Effektivit\u00e4tstest herangezogen werden. Ein Hedge gilt dann als </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">effektiv, wenn die Marktwert\u00e4nderungen von Grund- und Sicherungsgesch\u00e4ft in der Bandbreite von 80-125 Prozent liegen.</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus bestehen Makro-Hedges zur Zinsrisikosteuerung im Bankbuch zur Kompensation gegenl\u00e4ufiger Effekte in der </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinn- und Verlustrechnung unter Verwendung von Interest Rate Swaps. Zur Absicherung von variablen Finanzinstrumenten </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit eingebetteten Floors gegen die erhaltenen Zins- und Volatilit\u00e4tsrisiken werden au\u00dferdem Sicherungsbeziehungen auf </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makro-Ebene mittels verkaufter Zinsoptionen (Zinsfloors) gef\u00fchrt.</span></div><div class=\"ps2412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Monatliche Effektivit\u00e4tstests dienen auch hier zur Sicherstellung der Effektivit\u00e4t der Makro-Hedges. Anhand geeigneter </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien wird nachgewiesen, dass sich die Wert\u00e4nderungen der Grund- und Sicherungsgesch\u00e4fte weitestgehend </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kompensieren. Die Berechnung der Szenarien beinhaltet eine parallele Verschiebung um +/- 100 Basispunkte. Sind die </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Barwert\u00e4nderungen der Grund- und Sicherungsgesch\u00e4fte gegenl\u00e4ufig sowie Barwert\u00e4nderungen der Sicherungsgesch\u00e4fte </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geringer als jene der Grundgesch\u00e4fte, ist Effektivit\u00e4t gegeben.</span></div><div class=\"ps25667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate, die nicht den Kriterien eines Handelsbuches entsprechen, werden im Bankbuch gef\u00fchrt. Bei diesen stehen nicht </span></div><div class=\"ps16632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kurzfristige Kursgewinne im Vordergrund, sondern es sollen durch eine Positionierung entsprechend der mittel- bis langfristigen </span></div><div class=\"ps2467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktmeinung Ertr\u00e4ge erzielt oder Zinsrisiken gesteuert werden. Diese Derivate werden, sofern sie nicht Teil einer Mikro Hedge-</span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beziehung sind, in definierten Portfolios gef\u00fchrt, um eine dokumentierte Zuordnung zu funktionalen Einheiten zu gew\u00e4hrleisten. </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Innerhalb dieser funktionalen Einheiten findet eine saldierte imparit\u00e4tische Bewertung statt. Ein negativer Saldo pro </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">funktionaler Einheit wird als Drohverlustr\u00fcckstellung ber\u00fccksichtigt, w\u00e4hrend ein positiver Saldo unber\u00fccksichtigt bleibt.</span></div><div class=\"ps26053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivate des Bankbuches, die nicht in funktionalen Einheiten oder Hedge-Beziehungen gef\u00fchrt sind, werden imparit\u00e4tisch </span></div><div class=\"ps12300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet. Im Falle von negativen Marktwerten wird eine Drohverlustr\u00fcckstellung gebildet. Der Ausweis erfolgt in der Gewinn- </span></div><div class=\"ps26008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Verlustrechnung im GuV-Posten 7./10. Sonstige betriebliche Ertr\u00e4ge/Sonstige betriebliche Aufwendungen. F\u00fcr </span></div><div class=\"ps2569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditderivate (Credit Default Swaps) werden die vereinnahmten Geb\u00fchren bzw. bezahlten Margen (inkl. Abgrenzung) im </span></div><div class=\"ps2570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Provisionsergebnis ausgewiesen. Die Bildung und Ver\u00e4nderung erfolgt imparit\u00e4tisch nach dem Vorsichtsprinzip. F\u00fcr negative </span></div><div class=\"ps30800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktwerte wird eine Drohverlustr\u00fcckstellung gebildet.</span></div><div class=\"ps30823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Finanzinstrumente im Handelsbuch<span id=\"i70ebfbae95224ee3bd76cf10c2dd6327\"></span></span></div><div class=\"ps30824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Wertpapiere des Handelsbestandes werden zum beizulegenden Zeitwert bewertet. Sind keine beobachtbaren B\u00f6rsenkurse </span></div><div class=\"ps2330 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder Preise verf\u00fcgbar, wird der beizulegende Zeitwert anhand von Bewertungsmodellen ermittelt. Ebenso werden alle <span class=\"f ps24\"> </span></span></div><div class=\"ps2331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">derivativen Gesch\u00e4fte im Handelsbuch zum jeweiligen beizulegenden Zeitwert angesetzt. </span></div><div class=\"ps30825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Kredite und Forderungen<span id=\"i6cb2d72a196043e29c68a8e112d7d5b1\"></span></span></div><div class=\"ps25995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen werden grunds\u00e4tzlich unter Ber\u00fccksichtigung der Effektivzinsmethode zu fortgef\u00fchrten Anschaffungskosten </span></div><div class=\"ps25996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet. Den Ausgangspunkt der Bewertung bilden die Anschaffungskosten. Bei einem origin\u00e4r angeschafften finanziellen </span></div><div class=\"ps25997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6gensgegenstand entsprechen die Anschaffungskosten grunds\u00e4tzlich dem Auszahlungsbetrag einschlie\u00dflich allf\u00e4lliger <span class=\"f ps24\"> </span></span></div><div class=\"ps25998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungsnebenkosten. Bei erworbenen Forderungen bemessen sich die Anschaffungskosten am Kaufpreis. Der Unter-</span></div><div class=\"ps25999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schiedsbetrag zwischen Anschaffungskosten und R\u00fcckzahlungsbetrag wird bei Wertpapieren des Anlageverm\u00f6gens gem\u00e4\u00df \u00a7 </span></div><div class=\"ps26000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">56 BWG unter Anwendung des oben genannten Wahlrechts abgegrenzt und im Zins\u00fcberschuss ausgewiesen. An jedem </span></div><div class=\"ps26001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzstichtag wird \u00fcberpr\u00fcft, ob erkennbare Hinweise auf eine Wertminderung eines Verm\u00f6gensgegenstandes oder einer </span></div><div class=\"ps30826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gruppe von Verm\u00f6gensgegenst\u00e4nden vorliegen. Wertminderungen werden jedenfalls durch Kreditrisiko-vorsorgen entweder in <span class=\"f ps24\"> </span></span></div><div class=\"ps30827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Form von Einzelwertberichtigungen oder Portfolio-Wertberichtigungen ber\u00fccksichtigt. Bei Wegfall der Wertminderung erfolgt </span></div><div class=\"ps30828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Zuschreibung bis zu den Anschaffungskosten unter Ber\u00fccksichtigung der Aufl\u00f6sung des Unter-schiedsbetrags (Agio/</span></div><div class=\"ps30829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Disagio).</span></div><div class=\"ps30830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Kreditrisikovorsorgen<span id=\"i885b8c0cb79c49879fa59005cd4179ea\"></span></span></div><div class=\"ps30831 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Ermittlung der Kreditrisikovorsorgen wird das IFRS 9-Kreditrisikovorsorgemodell auch unternehmensrechtlich </span></div><div class=\"ps30832 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewendet. Erwartete Verluste (expected credit losses) f\u00fcr Kreditrisiken von Verm\u00f6genswerten, Risiken f\u00fcr Kreditzusagen </span></div><div class=\"ps30833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie au\u00dferbilanzielle Kreditrisiken aus Finanzgarantien und Akkreditiven werden als Wertminderung erfasst und nach </span></div><div class=\"ps30834 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderung des Kreditrisikos ab dem Zeitpunkt des Zugangs bestimmt. Wertminderungen f\u00fcr bestehende\u00a0 Kreditforderungen </span></div><div class=\"ps30835 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden in der Bilanz vom Buchwert zu fortgef\u00fchrten Anschaffungskosten abgesetzt. F\u00fcr Wertminderungen aus Kreditzusagen, </span></div><div class=\"ps30836 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzgarantien und Akkreditiven werden R\u00fcckstellungen eingestellt. </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Je nach Ver\u00e4nderung des Kreditrisikos zwischen dem Zeitpunkt des erstmaligen Ansatzes und dem Bewertungsstichtag werden <span class=\"f ps24\"> </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Finanzinstrumente in 3 Wertminderungs-Stages eingeteilt: <span class=\"f ps24\"> </span></span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Stage 1 erfasst alle neu zugegangenen Finanzinstrumente sowie jene, bei denen das Kreditrisiko seit erstmaligem </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ansatz nicht signifikant gestiegen ist. Dar\u00fcber hinaus enth\u00e4lt Stufe 1 s\u00e4mtliche Finanzinstrumente, die ein geringes </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Kreditrisiko aufweisen und bei denen die RBI AG von der \u201cLow Credit Risk Exemption\u201d Gebrauch macht. Ein geringes </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Kreditrisiko ist bei ausgew\u00e4hlten staatlichen Schuldverschreibungen gegeben, deren Bonit\u00e4ts-Rating am <span class=\"f ps24\"> </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Berichtsstichtag im Bereich des Investment Grades liegt. Im Kreditgesch\u00e4ft kommt diese Regelung nicht zur </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Anwendung. Bei Kreditforderungen wird beim erstmaligen Zugang eine Wertminderung des erwarteten 12-Monats-</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verlusts erfasst. Kredite aus Stufe 2, bei denen sich das Kreditrisiko wieder wesentlich verbessert hat, werden </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">umgegliedert und ebenfalls in Stufe 1 erfasst. Eine Wertminderung der Stufe 1 wird im Wertberichtigungsspiegel den </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Portfolio-Wertberichtigungen zugez\u00e4hlt (12-Monats-Verlust).<span class=\"f ps24\"> </span></span></div><div class=\"ps30838 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Stage 2 enth\u00e4lt Finanzinstrumente, bei denen das Kreditrisiko seit dem erstmaligen Ansatz signifikant gestiegen ist, </span></div><div class=\"ps30839 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">f\u00fcr die jedoch noch kein Ausfall vorliegt. F\u00fcr diese Forderungen wird eine Wertminderung nach dem Gesamtlaufzeit-</span></div><div class=\"ps30840 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Verlust ermittelt und ebenfalls als Portfolio-Wertberichtigung ausgewiesen.</span></div><div class=\"ps30841 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Stage 3 erfasst Finanzinstrumente, die zum Abschlussstichtag als wertgemindert eingestuft werden. Die RBI AG </span></div><div class=\"ps30842 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">verwendet f\u00fcr die Zwecke der Ausfalldefinition die Vorgaben des Artikels 178 CRR. F\u00fcr ausgefallene </span></div><div class=\"ps30843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Finanzinstrumente in Stage 3 ist der erwartete Kreditverlust \u00fcber die gesamte Restlaufzeit des Finanzinstruments als </span></div><div class=\"ps30844 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Wertminderung zu erfassen.</span></div><div class=\"ps18911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um das Kreditrisiko zu mindern, wendet die RBI AG eine Reihe von Verfahren an, deren h\u00e4ufigstes die Hereinnahme von </span></div><div class=\"ps27635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheiten im Kreditgesch\u00e4ft ist. Beim Kreditvergabeprozess wird eine Bewertung der Sicherheiten vorgenommen, die im </span></div><div class=\"ps27636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschluss in regelm\u00e4\u00dfigen Abst\u00e4nden je nach Art der zugrundeliegenden Sicherheit \u00fcberpr\u00fcft und erneuert wird. Die </span></div><div class=\"ps27637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wichtigsten Arten von Sicherheiten, die von der RBI AG akzeptiert werden, sind Wohn- und Gewerbeimmobilien, </span></div><div class=\"ps30845 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzsicherheiten, Garantien und bewegliche G\u00fcter. Insbesondere bei Gewerbeimmobilien und Wohnimmobilien wird bei der </span></div><div class=\"ps30846 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungs\u00fcberpr\u00fcfung und Neubewertung ein besonderes Augenmerk auf die Anpassung der Bewertungsparameter auf das </span></div><div class=\"ps30847 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktumfeld und die erwartbare mittelfristige Entwicklung in der Weise gelegt, dass die Sicherheiten in einer vorsichtigen und </span></div><div class=\"ps30848 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachhaltigen Weise bewertet sind. Langfristige Finanzierungen sind im Allgemeinen besichert, w\u00e4hrend revolvierende </span></div><div class=\"ps30849 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditfazilit\u00e4ten \u00fcblicherweise nicht besichert sind. </span></div><div class=\"ps30850 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Portfolio-Wertberichtigungen<span id=\"i3334f3cef1d84244a4a511f1978ca131\"></span></span></div><div class=\"ps19119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ermittlung des erwarteten Verlustes f\u00fcr das in \u00d6sterreich gef\u00fchrte Kreditgesch\u00e4ft der RBI AG erfolgt f\u00fcr Stufe 1 und Stufe 2 </span></div><div class=\"ps19124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelgesch\u00e4ftsbasiert unter Verwendung statistischer Risikoparameter, die aus dem IRB-Ansatz abgeleitet und an die </span></div><div class=\"ps19127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anforderungen des IFRS 9 angepasst wurden. Die Bevorsorgung der Fremdw\u00e4hrungs-Retailkredite der Stufe 1 und 2 erfolgt </span></div><div class=\"ps30851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">portfoliobasiert. N\u00e4here Details zu diesem Thema werden im Kapitel \u201cProzessrisiko Fremdw\u00e4hrungskredite Polen\u201d ausgef\u00fchrt. </span></div><div class=\"ps30852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die wichtigsten Inputparameter zur Berechnung der erwarteten Kreditverluste sind:</span></div><div class=\"ps27292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Ausfallwahrscheinlichkeit (PD) ist die Wahrscheinlichkeit, mit der ein Kreditnehmer entweder innerhalb der </span></div><div class=\"ps4740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">n\u00e4chsten zw\u00f6lf Monate oder in der gesamten Restlaufzeit seinen Zahlungsverpflichtungen nicht nachkommen kann. </span></div><div class=\"ps28763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Der Kreditbetrag zum Zeitpunkt des Ausfalls (EAD) entspricht jenem Betrag, der der RBI AG zum Zeitpunkt des </span></div><div class=\"ps28764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ausfalls \u00fcber die n\u00e4chsten zw\u00f6lf Monate oder \u00fcber die Gesamtlaufzeit geschuldet wird. </span></div><div class=\"ps30853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die Verlustquote (LGD) bei Ausfall entspricht der Erwartung der RBI AG bez\u00fcglich der Verlusth\u00f6he bei einem </span></div><div class=\"ps30854 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Forderungsausfall. </span></div><div class=\"ps30855 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Sch\u00e4tzung der Risikoparameter werden neben historischen Ausfallinformationen auch das aktuelle wirtschaftliche </span></div><div class=\"ps30856 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umfeld (Point-in-time Ausrichtung) sowie zukunftsorientierte Informationen ber\u00fccksichtigt. Insbesondere werden dabei </span></div><div class=\"ps30857 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">makro\u00f6konomische Prognosen der Bank regelm\u00e4\u00dfig im Hinblick auf ihre Auswirkungen auf die H\u00f6he der erwarteten </span></div><div class=\"ps30858 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditverluste gepr\u00fcft und in deren Ermittlung einbezogen. Hierf\u00fcr wird ein Basisszenario verwendet, welches auf jeweils </span></div><div class=\"ps30859 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aktuelle Prognosen von Raiffeisen Research zu wesentlichen makro\u00f6konomischen Einflussgr\u00f6\u00dfen beruht und um weitere </span></div><div class=\"ps30860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">modellrelevante makro\u00f6konomische Parameter erg\u00e4nzt wird. Zus\u00e4tzlich zum Basisszenario hat Raiffeisen Research auch ein </span></div><div class=\"ps2267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">optimistisches und ein pessimistisches Szenario gesch\u00e4tzt, um sicherzustellen, dass die Nichtlinearit\u00e4t erfasst wird. F\u00fcr die </span></div><div class=\"ps2268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">pessimistischen und optimistischen Szenarien wurde die Methodik aufgrund der hohen Unsicherheit, die mit der aktuellen </span></div><div class=\"ps2269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geopolitischen Lage (Krieg in der Ukraine) einhergeht, angepasst.</span></div><div class=\"ps26927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modelle werden herangezogen, um die Eintrittswahrscheinlichkeit von Ausf\u00e4llen (PD), die damit verbundenen Verlustquoten </span></div><div class=\"ps26928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(LGD) und dem ausstehenden Betrag zum Zeitpunkt des Ausfalls (EAD) zu sch\u00e4tzen. Zus\u00e4tzlich zu bestehenden, historisch </span></div><div class=\"ps26929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">belastbar modellierten Risiken entstehen neue Risiken - wie zum Beispiel geopolitische Unsicherheiten, Risiken im </span></div><div class=\"ps30861 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit der Energieversorgung sowie Umweltrisiken. Diese Risiken k\u00f6nnen aufgrund unzureichender historischer </span></div><div class=\"ps30862 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daten nicht durch bestehende statistische Modelle erfasst werden. Um jedoch eine angemessene Risikovorsorge zu </span></div><div class=\"ps30863 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrleisten, werden diese Risiken \u00fcber Management Overlays in die ECL-Berechnung einbezogen. Sie lassen sich </span></div><div class=\"ps30864 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgenderma\u00dfen unterteilen: </span></div><div class=\"ps26934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps30865\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Overlays: Hierbei handelt es sich um Anpassungen, die au\u00dferhalb des Modells vorgenommen werden, d. h. nach der </span></div><div class=\"ps26935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellanwendung. Post-Model-Adjustments (PMA) fallen in diese Kategorie. </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps30865\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">In-Model Adjustments: Hierbei handelt es sich um Anpassungen, die innerhalb des IFRS 9 Modells erfolgen. Dies </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">umfasst die Anpassung von Modellinputs, Modellparametern oder Ad-hoc-Anpassungen des Modells und der </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellkalibrierung (wobei die \u00c4nderung von Modellparametern wie LGD und PD durch die Einbeziehung </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zukunftsgerichteter makro\u00f6konomischer Informationen nicht als Management Overlay gilt). </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ESG-Faktoren sind in der ECL-Modellierung noch nicht explizit inkludiert. Sie flie\u00dfen jedoch \u00fcber Overlays in die Berechnung ein.</span></div><div class=\"ps30866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Einzelwertberichtigungen<span id=\"i82fb27121c52496ba2cc48a2362fc479\"></span></span></div><div class=\"ps30867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzinstrumente, die zum Abschlussstichtag als ausgefallen eingestuft sind, werden einzelwertberichtigt. Als Kriterium hierf\u00fcr </span></div><div class=\"ps30868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sieht die RBI die Definition f\u00fcr einen Kreditausfall. Die RBI AG verwendet f\u00fcr die Zwecke der Ausfalldefinition die Vorgaben des </span></div><div class=\"ps30869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Artikels 178 CRR.</span></div><div class=\"ps30870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Vorliegen eines Ausfalls wird anhand quantitativer und qualitativer Kriterien beurteilt. Erstens gilt ein Verm\u00f6genswert als </span></div><div class=\"ps30871 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgefallen, wenn vertragliche Zahlungen mehr als 90 Tage \u00fcberf\u00e4llig sind. Zweitens wenn erhebliche finanzielle </span></div><div class=\"ps30872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schwierigkeiten vorliegen und es unwahrscheinlich ist, dass Zahlungsverpflichtungen nachgekommen werden kann. Die </span></div><div class=\"ps30873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Definition eines Ausfalls wurde in den Berechnungen der erwarteten Kreditverluste der RBI AG zur Abbildung der </span></div><div class=\"ps30874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeit, des ausstehenden Betrags zum Zeitpunkt des Ausfalls sowie der Verlustquote bei Ausfall einheitlich </span></div><div class=\"ps30875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewendet. </span></div><div class=\"ps30876 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Objektive Hinweise f\u00fcr eine Wertminderung, die zu einer Einzelwertberichtigung f\u00fchren, bestehen somit, wenn erhebliche </span></div><div class=\"ps30877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanzielle Schwierigkeiten der Gegenpartei vorliegen, ein Vertragsbruch (etwa ein Ausfall oder Verzug von Zins- oder </span></div><div class=\"ps30878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tilgungszahlungen) erfolgt oder mit erh\u00f6hter Wahrscheinlichkeit anzunehmen ist, dass eine Insolvenz oder ein sonstiges </span></div><div class=\"ps30879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanierungsverfahren \u00fcber den Kreditnehmer er\u00f6ffnet wird. </span></div><div class=\"ps30880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen, bei denen objektive Hinweise f\u00fcr eine Wertminderung vorliegen, werden einem Werthaltigkeitstest unterzogen. </span></div><div class=\"ps30881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daf\u00fcr wird der voraussichtliche Ausfallsbetrag als Differenz der zu erwartenden R\u00fcckfl\u00fcsse aus Kapital-, Zinszahlungen und </span></div><div class=\"ps30882 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheitenerl\u00f6sen und dem Bruttobuchwert der Forderung ermittelt. Die erwarteten R\u00fcckzahlungsbetr\u00e4ge werden daf\u00fcr </span></div><div class=\"ps30883 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gem\u00e4\u00df ihrer Eintrittswahrscheinlichkeit und den Szenarien gewichtet mit dem Effektivzinssatz diskontiert. Die Forderung wird </span></div><div class=\"ps30884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abz\u00fcglich dem Gesamtlaufzeit-Verlust in der Bilanz angesetzt. Der daraus resultierende Nettobuchwert wird als Basis f\u00fcr die </span></div><div class=\"ps30885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermittlung zuk\u00fcnftiger Zinsertr\u00e4ge herangezogen.</span></div><div class=\"ps30886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Privatkundenkredite in der Zweigstelle Polen erfolgt eine pauschalierte Einzelwertberichtigung auf Basis der statistisch </span></div><div class=\"ps30887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgeleiteten besten Sch\u00e4tzung des erwarteten Verlusts bereinigt um indirekte Kosten.</span></div><div class=\"ps30888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Beteiligungen und Anteile an verbundenen <span id=\"iadb0b90e67224be694c439363dfc54b7\"></span></span></div><div class=\"ps30889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Unternehmen<span class=\"f ps24\"> </span></span></div><div class=\"ps30890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beteiligungen und Anteile an verbundenen Unternehmen werden zu Anschaffungskosten bewertet, sofern nicht anhaltende <span class=\"f ps24\"> </span></span></div><div class=\"ps30891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verluste bzw. ein verringertes Eigenkapital oder andere Indikatoren eine Abwertung auf den beizulegenden Wert erforderlich </span></div><div class=\"ps30892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">machen. Zuschreibungen bis maximal zu den Anschaffungskosten werden vorgenommen, wenn die Gr\u00fcnde f\u00fcr die dauernde </span></div><div class=\"ps30893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderung weggefallen sind.</span></div><div class=\"ps30894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am Ende jedes Gesch\u00e4ftsjahres (sowie anlassbezogen) werden Beteiligungen und Anteile an verbundenen Unternehmen auf </span></div><div class=\"ps30895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihre Werthaltigkeit \u00fcberpr\u00fcft. Im Rahmen dieser \u00dcberpr\u00fcfung wird der beizulegende Wert ermittelt. </span></div><div class=\"ps30896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der beizulegende Wert wird grunds\u00e4tzlich auf Grundlage von Discounted Cash Flow Verfahren berechnet. Diese ermitteln den <span class=\"f ps24\"> </span></span></div><div class=\"ps30897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmenswert als Barwert k\u00fcnftiger finanzieller \u00dcbersch\u00fcsse. Das Dividend-Discount-Modell, das f\u00fcr im\u00a0 Finanzdienst-</span></div><div class=\"ps30898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">leistungsbereich t\u00e4tige Beteiligungsunternehmen zur Anwendung kommt, ber\u00fccksichtigt auch die spezifischen Besonderheiten </span></div><div class=\"ps30899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Bankgesch\u00e4fts, u. A. im Hinblick auf die aufsichtsrechtlichen Eigenmittelvorschriften. Der Barwert der erwarteten </span></div><div class=\"ps30900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftigen Dividenden, die nach Einhaltung der entsprechenden aufsichtsrechtlichen Kapitalanforderungen an die <span class=\"f ps24\"> </span></span></div><div class=\"ps30901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteilseigner ausgesch\u00fcttet werden sollen, repr\u00e4sentiert dabei den erzielbaren Betrag.\u00a0 Im Weighted Average Cost of Capital </span></div><div class=\"ps30902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(WACC)-Modell f\u00fcr Beteiligungsunternehmen au\u00dferhalb des Finanzdienstleistungsbereichs wird in einem ersten Schritt der </span></div><div class=\"ps30903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktwert des Gesamtkapitals auf Basis der Free Cash-Flows und in einem zweiten Schritt der entziehbare Betrag durch Abzug </span></div><div class=\"ps30904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Nettofinanzverbindlichkeiten ermittelt. Im Falle von Finanzholding-Strukturen wurde der entziehbare Betrag auf Basis einer </span></div><div class=\"ps30905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sum-of-the-parts Betrachtung ermittelt, bei der entsprechend erwartete Holding-Kosten in Abzug gebracht wurden.</span></div><div class=\"ps30906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Berechnung des entziehbaren Betrags erfolgt prinzipiell auf Grundlage eines drei- bis f\u00fcnfj\u00e4hrigen Detailplanungszeitraums. </span></div><div class=\"ps30907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Falle signifikanter Planungsunsicherheiten aufgrund direkter Konsequenzen der Ukraine Krise, welche vereinzelt vorlagen, </span></div><div class=\"ps30908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden diesen im Rahmen von Szenariobetrachtungen Rechnung getragen. Der nachhaltigen Zukunft (Verstetigungsphase) </span></div><div class=\"ps30909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">liegt grunds\u00e4tzlich die Pr\u00e4misse eines zeitlich unbefristeten Fortbestands (ewige Rente) zugrunde, wobei in der Mehrzahl der </span></div><div class=\"ps30910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00e4lle l\u00e4nderspezifisch bestimmte nominelle Wachstumsraten f\u00fcr die bewertungsrelevanten Ertr\u00e4ge unterstellt sind, die sich an </span></div><div class=\"ps30911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der nachhaltig erwarteten Inflationsrate orientieren. F\u00fcr Unternehmen, die eine deutliche \u00dcberkapitalisierung aufweisen, wird </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Interimsphase von f\u00fcnf Jahren definiert, ohne die Detailplanungsphase zu verl\u00e4ngern. Innerhalb dieser Zeitspanne ist es </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei diesen Beteiligungen m\u00f6glich, Vollaussch\u00fcttungen vorzunehmen, ohne die Eigenmittelvorschriften zu verletzen. In der </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verstetigungsphase sind zwingend wachstumsbedingte Ergebnisthesaurierungen zur Einhaltung der Eigenmittelvorschriften </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geboten. Liegt dagegen die Annahme eines Null-Wachstums in der Verstetigungsphase zugrunde, ist keine </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnisthesaurierung notwendig. </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Verstetigungsphase geht das Modell von einer normalisierten, wirtschaftlich nachhaltigen Ertragslage aus, wobei </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinsichtlich der Eigenkapitalverzinsung und den Eigenkapital- oder Gesamtkapitalkosten eine Ann\u00e4herung zugrunde liegt </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Konvergenzannahme).</span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Liquidationswert ist gem\u00e4\u00df AFRAC 24 (Rz 16) grunds\u00e4tzlich die Untergrenze jeder Beteiligungsbewertung, au\u00dfer es bestehen </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtliche oder faktische Zw\u00e4nge das Beteiligungsunternehmen fortzuf\u00fchren. Der Liquidationswert ist der anteilige </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zerschlagungswert der Verm\u00f6gensgegenst\u00e4nde abz\u00fcglich der Schulden des Beteiligungsunternehmens. </span></div><div class=\"ps30913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Sachanlagen und immaterielle <span id=\"i60ee467c79d04ea2829a2d413e703355\"></span></span></div><div class=\"ps30914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Verm\u00f6gensgegenst\u00e4nde</span></div><div class=\"ps14833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bewertung der immateriellen Verm\u00f6gensgegenst\u00e4nde des Anlageverm\u00f6gens sowie der Sachanlagen erfolgt zu </span></div><div class=\"ps30915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anschaffungs- bzw. Herstellungskosten abz\u00fcglich der planm\u00e4\u00dfigen Abschreibung. Die planm\u00e4\u00dfige Abschreibung wird linear <span class=\"f ps24\"> </span></span></div><div class=\"ps30916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(pro rata temporis) vorgenommen. Bei dauerhafter Wertminderung unter dem Buchwert erfolgt eine au\u00dferplanm\u00e4\u00dfige <span class=\"f ps24\"> </span></span></div><div class=\"ps30917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschreibung. Folgende Nutzungsdauer wird der planm\u00e4\u00dfigen Abschreibung zu Grunde gelegt:<span class=\"f ps24\"> </span></span></div><div class=\"ps30924 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:110.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Nutzungsdauer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4802 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4803 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Nutzungsdauer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1824 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-1dbd4d87 ps30\">Jahre<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Geb\u00e4ude<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15030 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15032 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Software<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15035 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">4 bis 10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">B\u00fcromaschinen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30918 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">3 bis 5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13372 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Hardware<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30919 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">B\u00fcroeinrichtung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30920 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">5 bis 10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28162 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsvorrichtung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30921 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">5 bis 10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Fahrzeuge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30922 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28168 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-375ad3a6 ps30\">Mietrechte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30923 ss1002\"><div><div class=\"ps31 ss508\"><span class=\"f charStyle-6d404c82 ps30\">aktuell n.a.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps30925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die geringwertigen Verm\u00f6gensgegenst\u00e4nde werden im Zugangsjahr voll abgeschrieben.</span></div><div class=\"ps30926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Emissionskosten<span id=\"ide1a63fdc470405b91c7cc97d96640f0\"></span></span></div><div class=\"ps30927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Agios und Disagios f\u00fcr begebene Schuldverschreibungen werden auf die Laufzeit der Schuld gem\u00e4\u00df der Effektivzinsmethode <span class=\"f ps24\"> </span></span></div><div class=\"ps30928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verteilt. Die Emissionskosten werden aufwandswirksam erfasst.<span class=\"f ps24\"> </span></span></div><div class=\"ps30929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Pensions- und Abfertigungsverpflichtungen<span id=\"i4bdf3bc7ff0c4782aad0907fe6a0a8e9\"></span></span></div><div class=\"ps30930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die R\u00fcckstellungen f\u00fcr Pensions- und Abfertigungsverpflichtungen werden gem\u00e4\u00df IAS 19 Employee Benefits nach dem <span class=\"f ps24\"> </span></span></div><div class=\"ps30931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anwartschaftsbarwertverfahren (Projected Unit Credit-Method) ermittelt.</span></div><div class=\"ps30932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die versicherungsmathematische Berechnung der Pensionsverpflichtungen wird f\u00fcr aktive Dienstnehmer ein </span></div><div class=\"ps30933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechnungszinssatz von 4,05 Prozent (31.12.2024: 3,28 Prozent) sowie eine pensionswirksame Gehaltssteigerung von 3,0 Prozent <span class=\"f ps24\"> </span></span></div><div class=\"ps30934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im ersten Jahr, 2,1 Prozent im zweiten Jahr sowie 2,3 Prozent in den Folgejahren (2024: 4,1 Prozent im ersten Jahr, 3,2 Prozent im </span></div><div class=\"ps30935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zweiten Jahr, 3,1 Prozent im dritten Jahr sowie 3,1 Prozent in den Folgejahren) zugrunde gelegt. Die Parameter f\u00fcr Pensionisten <span class=\"f ps24\"> </span></span></div><div class=\"ps30936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind mit einem Kapitalisierungszins von 4,05 Prozent (31.12.2024: 3,28 Prozent) p.a. und einer erwarteten Pensionserh\u00f6hung von </span></div><div class=\"ps30937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">3,0 Prozent im ersten Jahr, bzw. 2,1 Prozent im zweiten Jahr sowie 2,3 Prozent in den Folgejahren (2024: 4,1 Prozent im ersten </span></div><div class=\"ps30938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr, 3,2 Prozent im zweiten Jahr, 3,1 Prozent im dritten Jahr sowie 3,1 Prozent in den Folgejahren), im Fall von Pensionszusagen </span></div><div class=\"ps30939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit bestehenden R\u00fcckdeckungsversicherungen von 0,5 Prozent (31.12.2024: 0,5 Prozent) angesetzt. Die Berechnungen basieren </span></div><div class=\"ps30940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf einem kalkulatorischen Pensionsalter von 65 Jahren unter Beachtung der gesetzlichen \u00dcbergangsbestimmungen f\u00fcr Frauen </span></div><div class=\"ps30941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie einzelvertraglicher Besonderheiten.<span class=\"f ps24\"> </span></span></div><div class=\"ps30942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als Rechnungsgrundlagen werden f\u00fcr Pensionsr\u00fcckstellungen unver\u00e4ndert die AV\u00d6 2018-P Rechnungsgrundlagen f\u00fcr die </span></div><div class=\"ps30943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionsversicherung in der Auspr\u00e4gung f\u00fcr Angestellte herangezogen. <span class=\"f ps24\"> </span></span></div><div class=\"ps30944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die versicherungsmathematische Berechnung der Abfertigungsr\u00fcckstellungen wird ein Rechnungszinssatz von 3,96 Prozent, </span></div><div class=\"ps30945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Jubil\u00e4umsgeldverpflichtungen von 4,05 Prozent (31.12.2024: 3,28 Prozent f\u00fcr Abfertigungs- und </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jubil\u00e4umsgeldverpflichtungen) und f\u00fcr Sterbegelder von 3,75 Prozent (2024: 3,12 Prozent) p. a zugrunde gelegt. Anspr\u00fcche auf </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftige Geburtstagsgelder bestehen seit dem Jahr 2024 nicht mehr. Es wurden durchschnittliche Gehaltssteigerungen von </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">3,0 Prozent im ersten Jahr, 2,1 Prozent im zweiten Jahr sowie 2,3 Prozent in den Folgejahren angesetzt (31.12.2024: 4,1 Prozent im </span></div><span class=\"f charStyle-9eccfdcb ps17\">Folgejahr, 3,2 Prozent im 2. Jahr bzw. 3,1 Prozent in den darauffolgenden Jahren)</span><div class=\"ps30947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Sonstige R\u00fcckstellungen<span id=\"ic48c7742fa6a4523800c1e3a48996b53\"></span></span></div><div class=\"ps30948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen R\u00fcckstellungen werden in H\u00f6he des Erf\u00fcllungsbetrags gebildet. Sie ber\u00fccksichtigen alle erkennbaren Risiken und </span></div><div class=\"ps30949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der H\u00f6he nach noch nicht feststehenden Verbindlichkeiten. Langfristige R\u00fcckstellungen werden gem\u00e4\u00df \u00a7 211 Abs. 2 UGB bei </span></div><div class=\"ps30950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlicher Wirkung mit einem markt\u00fcblichen Zinssatz auf Basis des Swapsatzes f\u00fcr Null-Kupon-Euroanleihen zuz\u00fcglich eines </span></div><div class=\"ps30951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anhand von Euro-Unternehmensanleihen mit einer hochklassigen Bonit\u00e4tseinstufung berechneten Aufschlags abgezinst. Die als </span></div><div class=\"ps30952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozesskostenr\u00fcckstellungen ausgewiesenen Vorsorgen f\u00fcr Klagen in Zusammenhang mit Fremdw\u00e4hrungskrediten in Polen </span></div><div class=\"ps30953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Details zur angewendeten Bilanzierungsmethode siehe Kapitel \u201cProzessrisiko Fremdw\u00e4hrungskredite Polen\u201c) werden mit einem </span></div><div class=\"ps30954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinssatz in H\u00f6he von 3,74 Prozent (31.12.2024: 5,27 Prozent) abgezinst. </span></div><div class=\"ps1795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den sonstigen R\u00fcckstellungen sind R\u00fcckstellungen f\u00fcr Bonifikationen f\u00fcr 'identified staff' (gem. European Banking Authority </span></div><div class=\"ps1796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EBA/GL/2021/04; Guidelines on sound remuneration policies under Directive 2013/36/EU) enthalten. Die RBI AG erf\u00fcllt die </span></div><div class=\"ps2321 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtung gem. Anlage zu \u00a7 39b BWG wie folgt: 60 Prozent des j\u00e4hrlichen Bonus werden zu 50 Prozent in bar (upfront </span></div><div class=\"ps2322 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">payment) und zu 50 Prozent im Wege eines Phantom-Aktien-Plans um ein Jahr verz\u00f6gert (retention period) ausbezahlt. 40 </span></div><div class=\"ps30955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent des j\u00e4hrlichen Bonus werden \u00fcber einen Zeitraum von bis zu f\u00fcnf Jahren (deferral) zur\u00fcckgestellt und ebenfalls zu je 50 </span></div><div class=\"ps30956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent in bar und im Wege des Phantom-Aktien-Plans ausbezahlt. Macht der Bonus einen besonders hohen Betrag aus (aktuell </span></div><div class=\"ps30957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">definiert als Bonusbetr\u00e4ge, die \u20ac 175.000 oder 100 Prozent des fixen Jahresgehaltes \u00fcbersteigen), so werden 60% des </span></div><div class=\"ps30958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bonusbetrages zur\u00fcckgestellt. Die Umrechnung der Phantom-Aktien erfolgt bei Zuteilung und Auszahlung jeweils zum </span></div><div class=\"ps30959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Durchschnittskurs des vorangegangenen Gesch\u00e4ftsjahres. </span></div><div class=\"ps30960 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Verbindlichkeiten<span id=\"i1fa37aea587e4fc8838f3c36641e41c7\"></span></span></div><div class=\"ps30961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese werden mit dem Nennbetrag bzw. dem h\u00f6heren R\u00fcckzahlungsbetrag angesetzt. Der Unterschiedsbetrag zwischen </span></div><div class=\"ps30962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausgabe- und Tilgungsbetrag wird effektivzinsrelevant verteilt. </span></div><div class=\"ps30963 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nullkuponanleihen werden mit den Anschaffungskosten zuz\u00fcglich der bis zum Abschlussstichtag anteilig aufgelaufenen Zinsen </span></div><div class=\"ps30964 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angesetzt. </span></div><span class=\"f charStyle-5ce759ba ps26\">Angaben zur Bilanz<span id=\"i1d3f1c6d81a74fe5abc2b9be36d35894\"></span></span><div class=\"ps2609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Aktiva<span id=\"i5c0a17a67c6048d19164401df5d1236a\"></span></span></div><div class=\"ps30966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Forderungen<span id=\"i11a2469c01ec49868ad57f8969ae6f26\"></span></span></div><div class=\"ps30967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Darstellung der Fristigkeiten<span id=\"i431b38adfc6b48e59d3964740a415a0b\"></span></span></div><div class=\"ps30968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Gliederung der Forderungen an Kreditinstitute, der Forderungen an Kunden sowie der sonstigen Verm\u00f6gensgegenst\u00e4nde <span class=\"f ps24\"> </span></span></div><div class=\"ps30969 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach Restlaufzeiten stellt sich folgenderma\u00dfen dar:</span></div><div class=\"ps30972 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Forderungen an Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps9901\">11.622.166<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps9381\">14.596.507<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">T\u00e4glich f\u00e4llig<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8521\">2.545.806<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8696\">2.656.469<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13037\">6.211.592<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7102\">8.504.886<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">Von 3 Monaten bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22828\">670.967<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7275\">395.714<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">Von 1 Jahr bis 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27387\">1.156.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26516\">2.087.005<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">\u00dcber 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps152\">1.036.850<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3165\">952.433<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23006\">28.155.445<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps193\">27.618.821<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">T\u00e4glich f\u00e4llig<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps152\">3.240.431<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12743\">3.858.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps343\">4.058.980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22969\">4.441.145<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">Von 3 Monaten bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps123\">3.140.585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19548\">2.927.251<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">Von 1 Jahr bis 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10658\">12.593.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12982\">12.371.570<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">\u00dcber 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27323\">5.121.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps71\">4.020.218<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps30970\">6.310.916<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps80\">7.606.944<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12641\">4.577.898<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30622\">4.878.648<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">Von 3 Monaten bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12562\">1.201.815<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26517\">2.201.690<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps6020\">\u00dcber 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22338\">531.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30971\">526.606<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps30973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">N\u00e4here Details zur Verteilung der Forderungen nach regionalen Gesichtspunkten sind im Risikoteil des Lageberichts enthalten</span></div><div class=\"ps30974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditvorsorgen<span id=\"ie490d4a4284540c4be773b64bfb5ae8a\"></span></span></div><div class=\"ps30975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvorsorgen werden analog der Erl\u00e4uterungen im Kapitel Bilanzierungs- und Bewertungsmethoden und einer Einteilung in <span class=\"f ps24\"> </span></span></div><div class=\"ps30976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">drei Wertminderungs-Stages ermittelt und gem\u00e4\u00df \u00a7 226 Abs 5 UGB von den entsprechenden Aktivposten abgesetzt. </span></div><div class=\"ps30977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelwertberichtigungen (Stage 3) beliefen sich zum Bilanzstichtag auf \u20ac 423.360 Tausend (31.12.2024: \u20ac 1.120.695 Tausend), </span></div><div class=\"ps30978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">davon entfielen \u20ac 2.429 Tausend (31.12.2024: \u20ac2.390 Tausend) auf au\u00dferbilanzielle Verpflichtungen, welche unter R\u00fcckstellungen </span></div><div class=\"ps30979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen sind. Portfolio-Wertberichtigungen (Stage 1 und Stage 2) beliefen sich auf \u20ac 176.041 Tausend (31.12.2024: \u20ac 108.865 </span></div><div class=\"ps30980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend), davon entfielen \u20ac 50.994 Tausend (31.12.2024: \u20ac 29.094 Tausend) auf au\u00dferbilanzielle Verpflichtungen, welche unter </span></div><div class=\"ps30981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungen ausgewiesen sind. Wertminderungs\u00e4nderungen aus Transfers, die sich in der Berichtsperiode von erwarteten </span></div><div class=\"ps30982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zw\u00f6lf-Monats-Verlusten (Stage 1) hin zu erwarteten Verlusten \u00fcber die Restlaufzeit (Stage 2 und Stage 3) und umgekehrt </span></div><div class=\"ps30983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewegt haben, stellen sich wie folgt dar:</span></div><div class=\"ps30985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps30984\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps4942\">Anstieg von Wertminderungen aus erwarteten Zw\u00f6lf-Monats-Verlusten in erwartete Verluste \u00fcber die Restlaufzeit in </span></div><div class=\"ps30986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps4942\">H\u00f6he von \u20ac 95.417 Tausend (2024: \u20ac 93.581 Tausend)</span></div><div class=\"ps30987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps30984\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps4942\">R\u00fcckgang von Wertminderungen aus erwarteten Verlusten \u00fcber die Restlaufzeit in erwartete Zw\u00f6lf-Monats-Verluste </span></div><div class=\"ps30988 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps4942\">in H\u00f6he von \u20ac 65.262 Tausend (2024: \u20ac 37.643 Tausend)</span></div><span class=\"f charStyle-9eccfdcb ps17\">.</span><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_1144\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Derivative Finanzinstrumente<span id=\"i7ddf2f1d137f4b079c13abd3d7f322f4\"></span></span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Zinssteuerungsderivate<span id=\"i9852f9a2f33446918be27cff697d29b0\"></span></span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum 31.12.2025 sind Hedgebeziehungen mit Absicherungszeitr\u00e4umen bis zum Jahr 2044 vorhanden, welche sich sowohl in </span></div><div class=\"ps23036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungseinheiten gem\u00e4\u00df AFRAC 15 Derivate und Sicherungsbeziehungen als auch in Makro-Hedges gem\u00e4\u00df FMA </span></div><div class=\"ps23037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rundschreiben zu Rechnungslegungsfragen bei Zinssteuerungsderivaten und zu Bewertungsanpassungen bei Derivaten </span></div><div class=\"ps23038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">befinden.</span></div><div class=\"ps28034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Derivative Finanzinstrumente zur Absicherung von Zinsrisiken werden f\u00fcr Grundgesch\u00e4fte der Aktiv- und Passivseite </span></div><div class=\"ps24489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herangezogen. Zum Abschlussstichtag werden aktivseitig Risiken aus Anleihen und Krediten sowie passivseitig aus eigenen </span></div><div class=\"ps24490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emissionen, Namensschuldverschreibungen, Schuldscheindarlehen und Deposits unter Verwendung von Mikro- und Makro-</span></div><div class=\"ps15359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hedges (Fair Value Hedges) abgesichert.</span></div><div class=\"ps27214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die beizulegenden Zeitwerte der Sicherungsgesch\u00e4fte (ohne Ber\u00fccksichtigung von Zinsabgrenzungen) f\u00fcr die bestehenden </span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mikro- und Makro-Hedgebeziehungen belaufen sich insgesamt auf positive Marktwerte von \u20ac 85.094 Tausend (31.12.2024: </span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 72.182 Tausend) wobei davon im Detail \u20ac 226.208 Tausend (31.12.2024: \u20ac 153.661 Tausend) auf positive Marktwerte und </span></div><div class=\"ps28036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 141.114 Tausend (31.12.2024 \u20ac225.843 Tausend) auf negative Marktwerte entfallen.</span></div><div class=\"ps28037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Folgende Tabelle zeigt die Volumina und Marktwerte inkl. Zinsabgrenzungen von Derivaten in Mikro-Hedgebeziehungen: </span></div><div class=\"ps31005 ss0\"><div class=\"ss1528 ws0 ps519\"><div><table style=\"border-collapse: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:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4471 ss1527\"><div><div class=\"ps264 ss1526\"><span class=\"f charStyle-ca7bbde0 ps25968\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps30994 ss1527\"><div><div class=\"ps264 ss1526\"><span class=\"f charStyle-ca7bbde0 ps30993\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1414\"><div><div class=\"ps264 ss1413\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps30995 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps13097\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps30996 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps633\">Positive Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25055 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps13614\">Negative Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps30997 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps13097\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21101 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps633\">Positive Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps24102 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps13614\">Negative Werte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1414\"><div><div class=\"ps31 ss1413\"><span class=\"f charStyle-375ad3a6 ps30\">Mikro-Hedge aktiv<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30998 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps12721\">22.002.546<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps30999 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps86\">317.594<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31000 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31001 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps21196\">21.889.795<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21110 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps10630\">224.062<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24105 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1414\"><div><div class=\"ps31 ss1413\"><span class=\"f charStyle-375ad3a6 ps30\">Mikro-Hedge passiv<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31002 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps6818\">5.578.342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31003 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31004 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps9381\">-165.522<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3018 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps11238\">4.611.333<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21120 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24109 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps10711\">-246.126<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zum 31.12.2025 waren f\u00fcr oben genannte Finanzinstrumente Drohverlustr\u00fcckstellungen f\u00fcr Ineffektivit\u00e4ten in H\u00f6he von \u20ac\u00a023.653 </span></span></div><div class=\"ps31007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Tausend bilanziell ber\u00fccksichtigt (31.12.2024: \u20ac 27.450 Tausend). Im Gesch\u00e4ftsjahr 2025 resultierten in diesem Zusammenhang </span></span></div><div class=\"ps31008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dotierungen in H\u00f6he von \u20ac 1.585 Tausend (31.12.2024: \u20ac 3.233 Tausend) und Aufl\u00f6sungen in H\u00f6he von \u20ac 5.382 Tausend </span></span></div><div class=\"ps31009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(31.12.2024: \u20ac 1.585 Tausend) aus der Ver\u00e4nderung der Marktwerte dieser Derivate.</span></span></div><div class=\"ps31010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Folgende Tabelle zeigt die Volumina und Marktwerte inkl. Zinsabgrenzungen von Derivaten in Makro-Hedgebeziehungen gem\u00e4\u00df </span></div><div class=\"ps31011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">FMA Rundschreiben zu Rechnungslegungsfragen bei Zinssteuerungsderivaten und zu Bewertungsanpassungen bei Derivaten:</span></div><div class=\"ps31025 ss0\"><div class=\"ss973 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:114pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps31012 ss1527\"><div><div class=\"ps264 ss1526\"><span class=\"f charStyle-ca7bbde0 ps25968\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23770 ss1527\"><div><div class=\"ps264 ss1526\"><span class=\"f charStyle-ca7bbde0 ps30993\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1530\"><div><div class=\"ps264 ss1529\"><span class=\"f charStyle-ca7bbde0 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31013 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps13097\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps25205 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps633\">Positive Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps15032 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps13614\">Negative Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5083 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps13097\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31014 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps633\">Positive Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps25754 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps13614\">Negative Werte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1530\"><div><div class=\"ps31 ss1529\"><span class=\"f charStyle-1dbd4d87 ps30\">Makro-Hedge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31015 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps17540\">2.885.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26701 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps16898\">19.931<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13372 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps31016\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5090 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps11462\">4.210.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31017 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps10806\">28.299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26547 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-1dbd4d87 ps31016\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1530\"><div><div class=\"ps31 ss1529\"><span class=\"f charStyle-375ad3a6 ps30\">Makro-Hedge 6 Monats EURIBOR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31019 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps31018\">35.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26706 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps27507\">2.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28162 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5094 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps31018\">35.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31020 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17766\">3.160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25758 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1530\"><div><div class=\"ps31 ss1529\"><span class=\"f charStyle-375ad3a6 ps30\">Makro-Hedge Floor 3 Monats EURIBOR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31021 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps21823\">2.330.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26711 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps12615\">15.821<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28168 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5098 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps9409\">3.355.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31022 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps134\">22.265<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25833 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1530\"><div><div class=\"ps31 ss1529\"><span class=\"f charStyle-375ad3a6 ps30\">Makro-Hedge Floor 6 Monats EURIBOR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31023 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps25434\">520.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26718 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps18060\">1.741<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28174 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5102 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps24037\">820.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31024 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps1472\">2.874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26551 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17149\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen von Makro-Hedges, getrennt nach 3- und 6-Monats-EURIBOR, werden variable Finanzinstrumente mit </span></div><div class=\"ps31027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingebetteten Floors mittels verkaufter Zinsoptionen (Zinsfloors) gegen die enthaltenen Zins- und Volatilit\u00e4tsrisiken </span></div><div class=\"ps31028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgesichert. Dar\u00fcber hinaus besteht eine zus\u00e4tzliche Makro-Sicherungsbeziehung zur Absicherung des Zinsrisikos von </span></div><div class=\"ps31029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbrieften Verbindlichkeiten. Durch diese Makro-Hedges werden gegenl\u00e4ufige Effekte in der Gewinn- und Verlustrechnung </span></div><div class=\"ps31031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielt. </span><span class=\"f charStyle-26fbf26f ps31030\"><span style=\"background-color:inherit\">Im Gesch\u00e4ftsjahr 2025 fanden wie im Vorjahr keine wesentlichen Ausgleichszahlungen im Zusammenhang mit Derivaten </span></span></div><div class=\"ps31032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">in Sicherungsbeziehungen statt. Zum 31.12.2025 waren f\u00fcr oben genannte Finanzinstrumente keine Drohverlustr\u00fcckstellungen </span></span></div><div class=\"ps26538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">f\u00fcr Ineffektivit\u00e4ten bilanziell zu ber\u00fccksichtigen (31.12.2024: \u20ac 0 Tausend).</span></span></div></div><div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Funktionale Einheiten<span id=\"ifcef05d503b84cb8b6256b486c5ec1ba\"></span></span></div><div class=\"ps31034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die auf Portfolien basierte Steuerung der funktionalen Einheiten wurde gem\u00e4\u00df der angewandten Zinsrisikostrategie f\u00fcr die </span></div><div class=\"ps31035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darin enthaltene W\u00e4hrung, Art des Zinssteuerungsderivates sowie des jeweiligen Verwendungszwecks zusammengefasst und </span></div><div class=\"ps31036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ergibt in unten ersichtlicher Tabelle pro W\u00e4hrung aggregiert f\u00fcr die positiven und negativen beizulegenden Werte folgendes </span></div><div class=\"ps31037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bild:</span></div><div class=\"ps31144 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps31038 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-1dbd4d87 ps11726\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps23383 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-1dbd4d87 ps28201\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7424 ss790\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-ca7bbde0 ps17608\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7425 ss790\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-ca7bbde0 ps28871\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:32.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1531\"><div><div class=\"ps3035 ss178\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps3030 ss178\"><span class=\"f charStyle-1dbd4d87 ps30\">Tausend</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31039 ss1531\"><div><div class=\"ps3030 ss178\"><span class=\"f charStyle-1dbd4d87 ps9365\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31040 ss1532\"><div><div class=\"ps3033 ss161\"><span class=\"f charStyle-1dbd4d87 ps25889\">Positive <span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss161\"><span class=\"f charStyle-1dbd4d87 ps28853\">portfolienbasierte </span></div><div class=\"ps3035 ss161\"><span class=\"f charStyle-1dbd4d87 ps23007\">Bewertungs-</span></div><div class=\"ps3030 ss161\"><span class=\"f charStyle-1dbd4d87 ps10744\">\u00fcberh\u00e4nge</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31041 ss1532\"><div><div class=\"ps3033 ss161\"><span class=\"f charStyle-1dbd4d87 ps240\">Negative <span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss161\"><span class=\"f charStyle-1dbd4d87 ps28853\">portfolienbasierte </span></div><div class=\"ps3035 ss161\"><span class=\"f charStyle-1dbd4d87 ps23007\">Bewertungs-</span></div><div class=\"ps3030 ss161\"><span class=\"f charStyle-1dbd4d87 ps10744\">\u00fcberh\u00e4nge</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31042 ss1531\"><div><div class=\"ps3030 ss178\"><span class=\"f charStyle-1dbd4d87 ps9365\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31043 ss1532\"><div><div class=\"ps3033 ss161\"><span class=\"f charStyle-1dbd4d87 ps25889\">Positive <span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss161\"><span class=\"f charStyle-1dbd4d87 ps28853\">portfolienbasierte </span></div><div class=\"ps3035 ss161\"><span class=\"f charStyle-1dbd4d87 ps23007\">Bewertungs-</span></div><div class=\"ps3030 ss161\"><span class=\"f charStyle-1dbd4d87 ps10744\">\u00fcberh\u00e4nge</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31044 ss1532\"><div><div class=\"ps3033 ss161\"><span class=\"f charStyle-1dbd4d87 ps240\">Negative <span class=\"f ps24\"> </span></span></div><div class=\"ps3034 ss161\"><span class=\"f charStyle-1dbd4d87 ps28853\">portfolienbasierte </span></div><div class=\"ps3035 ss161\"><span class=\"f charStyle-1dbd4d87 ps23007\">Bewertungs-</span></div><div class=\"ps3030 ss161\"><span class=\"f charStyle-1dbd4d87 ps10744\">\u00fcberh\u00e4nge</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12437 ss1533\"><div><div class=\"ps3034 ss622\"><span class=\"f charStyle-1dbd4d87 ps31045\">Martwert-<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss622\"><span class=\"f charStyle-1dbd4d87 ps31046\">\u00e4nderung auf </span></div><div class=\"ps3030 ss622\"><span class=\"f charStyle-1dbd4d87 ps31047\">Nettobasis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12438 ss1533\"><div><div class=\"ps3034 ss622\"><span class=\"f charStyle-1dbd4d87 ps31045\">Martwert-<span class=\"f ps24\"> </span></span></div><div class=\"ps3035 ss622\"><span class=\"f charStyle-1dbd4d87 ps31046\">\u00e4nderung auf </span></div><div class=\"ps3030 ss622\"><span class=\"f charStyle-1dbd4d87 ps31047\">Nettobasis</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13648 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31048 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps3298\">10.737<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31049 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps20696\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31050 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31051 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps1711\">23.374<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31052 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31053 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps20844\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31054 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps16871\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31055 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1640\">137<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31057 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps31056\">31.473.116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31058 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps20038\">8.100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31059 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps5660\">-371<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31061 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps31060\">23.332.777<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31062 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19955\">8.210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31063 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps18514\">-1.454<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31064 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps10806\">973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31065 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps10117\">5.754<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31067 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps31066\">65.161.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31068 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps8920\">62.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31069 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps17883\">-21.731<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31070 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10732\">46.710.881<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31071 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps21350\">40.954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31072 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps21383\">-13.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31073 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11452\">12.674<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31074 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps10571\">4.443<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31075 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31076 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31077 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31078 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31079 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31080 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31081 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31082 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31084 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps31083\">16.518.658<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31085 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps14177\">7.028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31086 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31087 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps16292\">13.313.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31088 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps18731\">7.210<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31089 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31090 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps9386\">-182<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31091 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps6983\">-2.590<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5434 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">NOK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31092 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps5366\">17.471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31093 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps19181\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31094 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31095 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps18492\">17.119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31096 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31097 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31098 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps12450\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31099 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps15126\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5994 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31100 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps16886\">160.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31102 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps31101\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31103 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps17371\">-2.419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31104 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps11232\">114.620<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31105 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31106 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps22227\">-111<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31107 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps26411\">-2.272<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31108 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps9383\">1.784<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10862 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31109 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps10711\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31110 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31111 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31112 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps3155\">50.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31113 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26947\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31114 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31115 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps15126\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31116 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps18559\">-52<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5899 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31117 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps28901\">249.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31118 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps21542\">384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31119 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31121 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps31120\">205.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31122 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps20255\">1.690<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31123 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26942\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31124 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17480\">-1.306<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31125 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11964\">680<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6755 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31126 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps3310\">1.099.756<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31127 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps22235\">186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31128 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps17592\">-234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31129 ss907\"><div><div class=\"ps31 ss178\"><span class=\"f charStyle-375ad3a6 ps21371\">1.694.530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31130 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps23103\">404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31131 ss1469\"><div><div class=\"ps31 ss161\"><span class=\"f charStyle-375ad3a6 ps26370\">-686<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31132 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps6725\">234<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31133 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps10696\">209<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14285 ss907\"><div><div class=\"ps264 ss178\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31135 ss907\"><div><div class=\"ps264 ss178\"><span class=\"f charStyle-1dbd4d87 ps31134\">114.691.846<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31136 ss1469\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-1dbd4d87 ps22298\">77.752<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31137 ss1469\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-1dbd4d87 ps7808\">-24.755<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31139 ss907\"><div><div class=\"ps264 ss178\"><span class=\"f charStyle-ca7bbde0 ps31138\">85.462.630<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31140 ss1469\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-1dbd4d87 ps18759\">58.470<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31142 ss1469\"><div><div class=\"ps264 ss161\"><span class=\"f charStyle-1dbd4d87 ps31141\">-15.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31143 ss790\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-1dbd4d87 ps9401\">10.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14297 ss790\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-1dbd4d87 ps11490\">10.363<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zum 31.12.2025 waren f\u00fcr oben genannte Derivate, welche in funktionalen Einheiten gef\u00fchrt sind, Drohverlustr\u00fcckstellungen in </span></span></div><div class=\"ps31146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">H\u00f6he von \u20ac\u00a024.755 Tausend bilanziell zu ber\u00fccksichtigen (31.12.2024: \u20ac 15.945 Tausend). Im Gesch\u00e4ftsjahr 2025 resultierten in </span></span></div><div class=\"ps31147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diesem Zusammenhang Dotierungen in H\u00f6he von \u20ac 10.670 Tausend (31.12.2024: \u20ac 0 Tausend) und Aufl\u00f6sungen in H\u00f6he von </span></span></div><div class=\"ps31148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">\u20ac 1.860 Tausend (31.12.2024: \u20ac 22.080 Tausend) aus der Ver\u00e4nderung der Marktwerte dieser Derivate.</span></span></div><div class=\"ps31149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die wesentlichsten Einflussfaktoren auf die in obiger Tabelle dargestellten Bewertungseffekte bestanden in der Ver\u00e4nderung </span></span></div><div class=\"ps31150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des Marktzinsniveaus in EUR, CZK, und HUF sowie einer Volumenausweitung in EUR, CZK und HUF Gesch\u00e4ften und einem </span></span></div><div class=\"ps31151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">R\u00fcckgang im USD Gesch\u00e4ft.</span></span></div><div class=\"ps31152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">W\u00e4hrungsderivate<span id=\"i5f1889f6e6cf4ea7a77780b467a5c214\"></span></span></div><div class=\"ps31153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 betr\u00e4gt die Drohverlustr\u00fcckstellung aus nicht gesettelten UAH Gesch\u00e4ften, welche basierend auf der </span></div><div class=\"ps31154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geopolitischen Situation ab dem Gesch\u00e4ftsjahr 2022 gebildet wurde, \u20ac 2.830 Tausend (31.12.2024: \u20ac 5.424 Tausend). Im </span></div><div class=\"ps31155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgelaufenen Gesch\u00e4ftsjahr wurden bewertungsbedingt \u20ac 2.594 Tausend der R\u00fcckstellung aufgel\u00f6st (31.12.2024: Aufl\u00f6sung </span></div><div class=\"ps31156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 775 Tausend).</span></div><div class=\"ps31157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Kreditderivate<span id=\"i47fea0c320aa448c91f651603946a9a6\"></span></span></div><div class=\"ps31158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu einem geringen Anteil f\u00fchrt die RBI AG auch Kreditderivate in Form von Credit Default Swaps, welche nach dem Grundsatz </span></div><div class=\"ps31159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Einzelbewertung zu betrachten sind (siehe AFRAC Stellungnahme 15 zu Derivaten und Sicherungsbeziehungen sowie \u00a7 201 </span></div><div class=\"ps31160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abs. 2 Z 3 UGB).</span></div><div class=\"ps31161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Folgende Tabelle zeigt die Volumina sowie die beizulegenden Zeitwerte inkl. Abgrenzungen:</span></span></div><div class=\"ps31184 ss0\"><div class=\"ss204 ws0 ps519\"><div><table style=\"border-collapse: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:39.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps4395 ss298\"><div><div class=\"ps264 ss297\"><span class=\"f charStyle-1dbd4d87 ps20873\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps26084 ss298\"><div><div class=\"ps264 ss297\"><span class=\"f charStyle-1dbd4d87 ps20717\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps31163 ss635\"><div><div class=\"ps264 ss624\"><span class=\"f charStyle-1dbd4d87 ps14915\">Bewertungseffekt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps16747 ss635\"><div><div class=\"ps264 ss624\"><span class=\"f charStyle-1dbd4d87 ps14915\">Bewertungseffekt<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31164 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps587\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31165 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps5877\">Positive Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps46 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps31166\">Negative Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31167 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-1dbd4d87 ps587\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31043 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps5877\">Positive Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31168 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps31166\">Negative Werte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31169 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps17585\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16750 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-1dbd4d87 ps7916\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1133\"><div><div class=\"ps31 ss173\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31170 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11406\">446.681<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31171 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps53 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps31172\">-15.103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26087 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3069\">581.649<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31173 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps16896\">713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31174 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps20445\">-14.195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31176 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps31175\">-1.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16753 ss635\"><div><div class=\"ps31 ss624\"><span class=\"f charStyle-375ad3a6 ps18638\">-10.159<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1133\"><div><div class=\"ps264 ss173\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31177 ss70\"><div><div class=\"ps264 ss61\"><span class=\"f charStyle-1dbd4d87 ps26204\">446.681<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31178 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps66 ss296\"><div><div class=\"ps264 ss111\"><span class=\"f charStyle-1dbd4d87 ps23003\">-15.103<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31180 ss70\"><div><div class=\"ps264 ss61\"><span class=\"f charStyle-1dbd4d87 ps31179\">581.649<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31181 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps12476\">713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31182 ss296\"><div><div class=\"ps264 ss111\"><span class=\"f charStyle-1dbd4d87 ps20532\">-14.195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31183 ss635\"><div><div class=\"ps264 ss624\"><span class=\"f charStyle-1dbd4d87 ps7208\">-1.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16756 ss635\"><div><div class=\"ps264 ss624\"><span class=\"f charStyle-ca7bbde0 ps17758\">-10.159<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31185 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Drohverlustr\u00fcckstellung zum Abschlussstichtag f\u00fcr obige Instrumente betr\u00e4gt \u20ac 15.103 Tausend (31.12.2024: \u20ac 14.195 </span></div><div class=\"ps31186 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend). Im Gesch\u00e4ftsjahr 2025 resultierten in diesem Zusammenhang Dotierungen in H\u00f6he von \u20ac 2.957 Tausend (31.12.2024: </span></div><div class=\"ps31187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 6.706 Tausend) und Aufl\u00f6sungen in H\u00f6he von \u20ac 2.049 Tausend (31.12.2024: \u20ac 86 Tausend) aus der Ver\u00e4nderung der Marktwerte </span></div><div class=\"ps31188 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Derivate.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Auflistung noch nicht abgewickelter Termingesch\u00e4fte f\u00fcr das Gesch\u00e4ftsjahr und das Vorjahr ist in den nachfolgenden </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tabellen dargestellt:</span></div><div class=\"ps4827 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:90pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3778 ss1535\"><div><div class=\"ps31 ss1534\"><span class=\"f charStyle-1dbd4d87 ps31189\">Nominalbetr\u00e4ge nach Restlaufzeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps17934 ss926\"><div><div class=\"ps31 ss199\"><span class=\"f charStyle-1dbd4d87 ps13552\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps13626 ss926\"><div><div class=\"ps31 ss199\"><span class=\"f charStyle-1dbd4d87 ps9426\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss789\"><div><div class=\"ps516 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3781 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps590\">Bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31190 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps609\">1-5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1473\"><div><div class=\"ps1485 ss190\"><span class=\"f charStyle-1dbd4d87 ps31191\">\u00dcber 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps19916\">Jahre</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31192 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps1927\">Summe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss823\"><div><div class=\"ps1485 ss99\"><span class=\"f charStyle-1dbd4d87 ps31193\">hievon <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps1945\">Handelsbuch</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31194 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps2704\">positiv<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1453 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps23276\">negativ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps13632 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps2704\">positiv<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31195 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps23276\">negativ<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31196 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps1945\">91.985.877<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31197 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps10821\">129.231.876<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13082 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31198\">136.031.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31199 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps13191\">357.249.517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21646 ss821\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps8730\">206.620.123<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17946 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps3302\">4.216.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31201 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31200\">3.507.091<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31202 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps11288\">3.819.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24364 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps24413\">3.233.351<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">a) Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31203 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps28155\">45.853.030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31205 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31204\">118.390.435<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12840 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps11057\">130.771.878<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31206 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps20127\">295.015.343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21653 ss821\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps31207\">149.775.432<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17954 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31208\">3.182.809<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31209 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps11566\">2.957.883<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31211 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31210\">2.789.452<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24368 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31212\">2.690.175<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsswaps<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11067\">38.675.535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31214\">105.373.268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31216 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3167\">116.285.006<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11290\">260.333.809<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1649\">129.911.147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17967 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps5928\">3.038.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31218 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps3866\">2.866.698<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31220 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31219\">2.667.839<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24376 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps10713\">2.603.583<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Floating/floating Zinsswaps<span class=\"f ps24\"> </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\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </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\"></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\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinstermingesch\u00e4fte (FRAs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31222 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13402\">2.269.147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15962 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13402\">2.269.147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21680 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps31224\">2.268.147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31225 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13445\">390<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1517 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps3828\">477<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31226 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13445\">390<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24390 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps3828\">477<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzoptionen - K\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31227\">1.828.156<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31229 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps25395\">5.423.740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2720\">6.275.682<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31231 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps617\">13.527.578<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21686 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21746\">7.825.734<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31232 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13524\">81.677<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1530 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1206\">13.790<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22668 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps27168\">80.799<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24398 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps9238\">9.197<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzoptionen - Verk\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31233 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1724\">2.624.980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11259\">6.491.712<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31235 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps5940\">7.545.032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31237 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31236\">16.661.724<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21692 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11049\">7.547.319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31238 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps27171\">28.068<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1542 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps6735\">71.956<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31239 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps25404\">5.899<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31240 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps6735\">71.956<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss789\"><div><div class=\"ps1485 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Andere vergleichbare <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31241 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps27136\">403.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31242 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps534\">677.628<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31243 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps20435\">403.500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31245 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps31244\">1.484.297<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21698 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps9422\">1.484.297<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31246 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps10475\">34.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1556 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps7758\">4.616<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31247 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps10475\">34.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31248 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps7758\">4.616<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsterminkontrakte (Futures)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31249 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21217\">16.043<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3113\">6.481<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13538 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31252 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31251\">22.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31253 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10571\">22.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18020 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31254 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps10496\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31255 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31256 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps10496\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzoptionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31257 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18724\">36.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31258 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3005\">417.606<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11367\">262.658<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31260 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11310\">716.264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31261 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps3071\">716.264<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18028 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31262 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13521\">343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31263 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31264 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13521\">343<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">b) Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31266 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31265\">44.968.589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31267 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps1860\">8.417.848<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31268 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps30570\">1.898.939<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31269 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps11159\">55.285.376<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31270 ss821\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps1519\">50.342.574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18036 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps1878\">418.254<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31272 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31271\">352.583<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31274 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31273\">413.872<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31276 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31275\">361.652<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5543 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungs- und Zinsswaps<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31277 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1651\">3.707.800<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31278 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps30552\">4.658.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31280 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31279\">1.779.907<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31281 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps36\">10.145.910<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31282 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21204\">5.295.530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18050 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1121\">163.482<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31284 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31283\">87.766<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31285 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps21096\">159.100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31287 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31286\">96.835<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Devisentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31288 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3812\">36.937.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31289 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11315\">2.731.543<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31290 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12891\">113.117<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31291\">39.782.282<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31293 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1937\">39.782.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31295 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31294\">242.936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31296 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps2109\">253.074<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31297 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31294\">242.936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31298 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps2109\">253.074<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12964 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsoptionen - K\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31299 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1915\">2.281.630<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31300 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13494\">157.288<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12966 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1166\">5.915<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11084\">2.444.833<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31302 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10490\">2.353.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31303 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps8211\">6.247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31304 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps2053\">2.272<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31305 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps8211\">6.247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31306 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps2053\">2.272<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7931 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsoptionen - Verk\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31307 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29439\">2.007.591<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31308\">870.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12974 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31310 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2733\">2.878.405<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31312 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps31311\">2.877.468<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31313 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps8144\">5.589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31314 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps8207\">9.447<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31315 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps8144\">5.589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31316 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps8207\">9.447<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1680 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1690 ss789\"><div><div class=\"ps1485 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Devisenterminkontrakte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">(Futures)</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31318 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps31317\">33.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31319 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31320 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31321 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps31317\">33.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31322 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps9587\">33.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31323 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1696 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps12863\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31324 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31325 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps12863\">24<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5494 ss789\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">c) Wertpapierbezogene <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesch\u00e4fte</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31326 ss1473\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps11400\">1.079.162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31327 ss1473\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps14930\">2.322.063<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31329 ss1473\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31328\">1.430.129<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31330 ss1473\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps15061\">4.831.354<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31332 ss823\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps31331\">4.831.354<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31333 ss164\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps15056\">589.973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31334 ss164\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps2079\">141.090<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31335 ss164\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps15056\">589.973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31336 ss164\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps2079\">141.090<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5497 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6579 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien-/Index- Optionen - K\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31337 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps27138\">616.693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31338 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2733\">2.306.087<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13594 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1947\">1.420.065<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31339 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps659\">4.342.845<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31341 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps31340\">4.342.845<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31343 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31342\">587.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31344 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps21188\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31345 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31342\">587.871<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31346 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps21188\">80<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13600 ss789\"><div><div class=\"ps1485 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien-/Index- Optionen - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Verk\u00e4ufe</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31347 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps312\">309<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31348 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps11476\">974<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31350 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps31349\">10.064<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31351 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps1150\">11.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31352 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-375ad3a6 ps8637\">11.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31353 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31354 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps30648\">125.010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31355 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31356 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps30648\">125.010<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps359 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps371 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien-/Indexoptionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31357 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8744\">462.160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31358 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps17247\">15.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31359 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31360 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11077\">477.162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31361 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7117\">477.162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31362 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13183\">2.102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31363 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps17914\">16.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31364 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps13183\">2.102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31365 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps17914\">16.000<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps383 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">d) Warenvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31366 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps17821\">25.096<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31367 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps6725\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31368 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps6725\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31369 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps17821\">25.096<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31370 ss821\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps6990\">25.096<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31371 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps10353\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31372 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps13521\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31373 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps10353\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10282 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps13521\">507<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps390 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps396 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31374 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12766\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31375 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31376 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31377 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12766\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31378 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18078\">267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31379 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps347\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31380 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31381 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps347\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31382 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps407 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps419 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Warenterminkontrakte (Futures)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31383 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps5292\">24.829<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31384 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31385 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31386 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps5292\">24.829<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16866\">24.829<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31388 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31389 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11436\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31390 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31391 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11436\">507<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps429 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">e) Kreditderivatvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31392 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps26463\">60.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31393 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps534\">101.530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31394 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps1214\">1.930.818<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31395 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps11458\">2.092.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31396 ss821\"><div><div class=\"ps264 ss99\"><span class=\"f charStyle-1dbd4d87 ps5363\">1.645.667<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31398 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31397\">25.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31399 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps29436\">55.028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31400 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31397\">25.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31401 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps10825\">39.925<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps440 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Credit Default Swap<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31402 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11302\">60.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31403 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1939\">101.530<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31405 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31404\">1.930.818<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31406 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2726\">2.092.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31407 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7597\">1.645.667<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31409 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31408\">25.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31410 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11331\">55.028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31411 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31408\">25.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31413 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31412\">39.925<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss942 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:90pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-ca7bbde0 ps30\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps3778 ss1537\"><div><div class=\"ps31 ss1536\"><span class=\"f charStyle-1dbd4d87 ps31414\">Nominalbetr\u00e4ge nach Restlaufzeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps39 ss926\"><div><div class=\"ps31 ss199\"><span class=\"f charStyle-1dbd4d87 ps13552\">Marktwert<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps28424 ss926\"><div><div class=\"ps31 ss199\"><span class=\"f charStyle-1dbd4d87 ps9426\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss789\"><div><div class=\"ps516 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3781 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps590\">Bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31190 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps609\">1-5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4228 ss1473\"><div><div class=\"ps1485 ss190\"><span class=\"f charStyle-1dbd4d87 ps31191\">\u00dcber 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps19916\">Jahre</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31192 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-1dbd4d87 ps1927\">Summe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps783 ss630\"><div><div class=\"ps1485 ss622\"><span class=\"f charStyle-1dbd4d87 ps17908\">hievon <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss622\"><span class=\"f charStyle-1dbd4d87 ps25751\">Handelsbuch</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps48 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps2704\">positiv<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31415 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps23276\">negativ<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31416 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps2704\">positiv<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps12181 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-1dbd4d87 ps23276\">negativ<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31196 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps16178\">90.743.351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31197 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31417\">146.606.951<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13082 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31418\">88.036.070<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31199 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31419\">325.386.372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21646 ss790\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-1dbd4d87 ps14939\">204.071.015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31420 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps3708\">4.327.146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31422 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31421\">4.047.618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31423 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps11064\">3.828.076<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31424 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps16178\">3.426.945<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">a) Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31203 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps27362\">46.424.278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31205 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps3815\">133.314.013<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12840 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps1837\">85.411.689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31206 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps11428\">265.149.980<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21653 ss790\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-1dbd4d87 ps31425\">148.879.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31426 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps5927\">3.295.593<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31427 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps11451\">3.215.196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31428 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps23115\">2.787.183<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31429 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps13405\">2.679.638<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2048 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsswaps<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31213 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3727\">38.501.345<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31215 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps23468\">117.300.279<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31216 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps617\">81.519.493<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31217 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps15074\">237.321.117<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21668 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1858\">132.201.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31430 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1911\">3.138.278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31432 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31431\">3.119.342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31433 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11217\">2.665.467<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31434 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps6378\">2.592.750<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Floating/floating Zinsswaps<span class=\"f ps24\"> </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\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31221 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </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\"></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\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1508 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinstermingesch\u00e4fte (FRAs)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31222 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps28901\">3.723.576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31223 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31435\">361.326<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4240 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15962 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps593\">4.084.902<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21680 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps31436\">4.068.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31437 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps10648\">1.521<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31438 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps5195\">1.605<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31439 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps10648\">1.521<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31440 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps5195\">1.605<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1521 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzoptionen - K\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31228 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps23276\">1.342.938<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31229 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29511\">6.203.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31230 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2025\">1.275.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31231 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31441\">8.821.780<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21686 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11163\">5.421.529<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31442 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps5925\">73.737<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31443 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11191\">19.636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31444 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1099\">72.401<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31445 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11285\">10.670<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1533 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzoptionen - Verk\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31233 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31446\">2.641.255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31234 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11097\">8.455.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31235 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1467\">1.983.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31237 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2005\">13.079.833<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21692 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1993\">5.345.021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31447 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11274\">51.437<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31448 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11073\">68.960<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31449 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps5373\">17.174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31450 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11073\">68.960<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss789\"><div><div class=\"ps1485 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Andere vergleichbare <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Zinssatzvertr\u00e4ge</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31241 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps9340\">192.976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31242 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps25394\">665.936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31243 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps21571\">491.320<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31245 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps11482\">1.350.232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21698 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps25206\">1.350.232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31451 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps11009\">30.585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31452 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1854\">5.648<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31453 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps11009\">30.585<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31454 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1854\">5.648<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7234 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-e680a4f6 ps30\">Zinsterminkontrakte (Futures)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31249 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12930\">11.910<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31250 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1143\">5.428<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13538 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9411\">1.178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31252 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11404\">18.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31253 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11017\">18.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31455 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31456 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps6996\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31457 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31458 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps6996\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps5197 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-e680a4f6 ps30\">Zinssatzoptionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31257 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6441\">10.278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31258 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31459\">321.832<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31259 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2081\">141.490<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31260 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9436\">473.600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31261 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps30702\">473.600<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31460 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps12863\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31461 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31462 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps12863\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31463 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps14045 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">b) Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31266 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31464\">43.402.656<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31267 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps29511\">9.641.016<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31268 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps29428\">1.515.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31269 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31465\">54.559.618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31270 ss790\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-1dbd4d87 ps2729\">50.096.890<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31466 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps2100\">621.757<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31468 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31467\">657.346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31469 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31120\">631.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31470 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps1176\">585.711<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7510 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5543 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungs- und Zinsswaps<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31277 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1678\">2.849.393<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31278 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29414\">6.351.797<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31280 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps5739\">1.515.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31281 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps573\">10.716.366<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31282 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps10172\">6.315.398<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31472 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31471\">252.073<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31473 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps24352\">308.128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31474 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps25536\">261.337<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31475 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1990\">236.493<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Devisentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31288 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31476\">37.947.820<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31289 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps25261\">2.604.126<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31290 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31292 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3812\">40.551.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31293 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps31477\">40.551.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31478 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps3182\">347.114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31480 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31479\">332.737<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31481 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps3182\">347.114<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31482 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31479\">332.737<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12964 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsoptionen - K\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31299 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1988\">1.624.858<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31300 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps22274\">183.693<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12966 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11017\">770<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31301 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps27011\">1.809.321<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31302 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps1941\">1.747.560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31483 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps8220\">6.578<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31484 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps10646\">7.453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31485 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps8220\">6.578<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31486 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps10646\">7.453<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7931 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsoptionen - Verk\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31307 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps25695\">964.238<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31309 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29081\">501.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12974 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31310 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3052\">1.465.638<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31312 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps21854\">1.465.639<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31487 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps26696\">15.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31488 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps25517\">8.989<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31489 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps5925\">16.069<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31490 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps25517\">8.989<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1680 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1690 ss789\"><div><div class=\"ps1485 ss241\"><span class=\"f charStyle-375ad3a6 ps1864\">Devisenterminkontrakte <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss241\"><span class=\"f charStyle-375ad3a6 ps1864\">(Futures)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31318 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps1127\">16.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31319 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31320 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31321 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps1127\">16.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31322 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps11927\">16.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31491 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31492 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps9588\">39<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31493 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31494 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps9588\">39<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5494 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps1864\">Devisenoptionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31326 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31327 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31329 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31330 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31332 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps17573\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29745 ss789\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">c) Wertpapierbezogene <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesch\u00e4fte</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31495 ss1473\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps21573\">831.256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31496 ss1473\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps3275\">2.529.178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31497 ss1473\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps2102\">587.310<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31499 ss1473\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31498\">3.947.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31500 ss630\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-1dbd4d87 ps1572\">3.947.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31502 ss164\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31501\">382.381<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31503 ss164\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps11255\">120.726<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31504 ss164\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31501\">382.381<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31505 ss164\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps11255\">120.726<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6579 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13600 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien-/Index- Optionen - K\u00e4ufe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31347 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31506\">217.549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31348 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31507\">2.478.632<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31350 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps534\">577.245<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31351 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29429\">3.273.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31352 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps6349\">3.273.426<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31509 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31508\">368.186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31510 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps23003\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31511 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps31508\">368.186<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31512 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps23003\">60<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13603 ss789\"><div><div class=\"ps1485 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien-/Index- Optionen - <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Verk\u00e4ufe</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31513 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps1709\">367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31514 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps21211\">1.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13604 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps21197\">10.065<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31515 ss1473\"><div><div class=\"ps516 ss190\"><span class=\"f charStyle-375ad3a6 ps1454\">11.715<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31516 ss630\"><div><div class=\"ps516 ss622\"><span class=\"f charStyle-375ad3a6 ps9899\">11.715<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31517 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31518 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps6360\">109.602<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31519 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31520 ss164\"><div><div class=\"ps516 ss163\"><span class=\"f charStyle-375ad3a6 ps6360\">109.602<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps371 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps383 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-e680a4f6 ps30\">Aktien-/Indexoptionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31366 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7097\">613.340<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31367 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21209\">49.263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31368 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31369 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps29415\">662.603<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31370 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps13560\">662.603<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps387 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps10853\">14.195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31521 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps6730\">11.064<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31522 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps10853\">14.195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9738 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps6730\">11.064<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps390 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">d) Warenvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31523 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps5898\">20.710<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31524 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps312\">220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31525 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps6725\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31526 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps2072\">20.930<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31527 ss790\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-1dbd4d87 ps12492\">20.930<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps393 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps11446\">152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31528 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps13574\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31529 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps11446\">152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31530 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps13574\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps396 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps407 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Warentermingesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31531 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps3158\">1.427<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31532 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps13351\">220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31533 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31534 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21211\">1.647<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31535 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps23640\">1.647<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps414 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps12494\">152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31536 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31537 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps12494\">152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31538 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps419 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">B\u00f6rsengehandelte Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-e680a4f6 ps30\">Warenterminkontrakte (Futures)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31392 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21204\">19.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31393 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31394 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31395 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21204\">19.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31396 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11005\">19.283<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps435 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31539 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps9385\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31540 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps1691\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31541 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps9385\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps440 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">e) Kreditderivatvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31542 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps1935\">64.451<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31543 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps1999\">1.122.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31544 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31506\">521.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31546 ss900\"><div><div class=\"ps264 ss190\"><span class=\"f charStyle-1dbd4d87 ps31545\">1.708.100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31548 ss790\"><div><div class=\"ps264 ss622\"><span class=\"f charStyle-1dbd4d87 ps31547\">1.126.451<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps445 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps5765\">27.263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31550 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps31549\">54.329<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31551 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps5765\">27.263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31552 ss937\"><div><div class=\"ps264 ss163\"><span class=\"f charStyle-1dbd4d87 ps21816\">40.847<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps448 ss242\"><div><div class=\"ps264 ss241\"><span class=\"f charStyle-1dbd4d87 ps30\">OTC-Produkte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps457 ss242\"><div><div class=\"ps31 ss241\"><span class=\"f charStyle-375ad3a6 ps30\">Credit Default Swap<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps31553 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7593\">64.451<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps31554 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11232\">1.122.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps31555 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps2072\">521.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps31557 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps31556\">1.708.100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps31558 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps25441\">1.126.451<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps465 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11076\">27.263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps31559 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps25713\">54.329<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps31560 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps11076\">27.263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps31561 ss937\"><div><div class=\"ps31 ss163\"><span class=\"f charStyle-375ad3a6 ps7098\">40.847<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Von den in der Aufstellung der nicht abgewickelten Termingesch\u00e4fte dargestellten derivativen Finanzinstrumenten werden </span></div><div class=\"ps31563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">folgende gem\u00e4\u00df Fair Value Ansatz in der Bilanz ausgewiesen:</span></div><div class=\"ps31566 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivative Finanzinstrumente<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps6493\">Positive Marktwerte<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps7000\">Negative Marktwerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Derivate des Handelsbuches<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">a) Zinssatzvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22324\">2.232.105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps31018\">2.324.476<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12474\">2.255.918<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12174\">2.323.269<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">b) Wechselkursvertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24477\">381.244<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22292\">608.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10962\">338.899<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8445\">482.020<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">c) Aktien- und Indexkontrakte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7247\">589.973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8101\">382.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25148\">141.091<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17207\">120.725<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">d) Kreditderivate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24855\">25.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25720\">27.267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15113\">30.616<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22705\">30.170<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">e) Warenpositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18456\">77<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18502\">152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps31565\">507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zu den in diesem Kapitel dargestellten Derivaten h\u00e4lt die Europ\u00e4ische Bank f\u00fcr Wiederaufbau und Entwicklung (EBRD) </span></div><div class=\"ps31569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Put-Option mit der RBI AG. Die EBRD hat sich bei der Raiffeisen Bank JSC, Kiew, im Rahmen einer im Dezember 2015 </span></div><div class=\"ps31570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgten Kapitalerh\u00f6hung beteiligt. Im Zuge dieser Transaktion hat die RBI AG mit der EBRD eine Vereinbarung getroffen und </span></div><div class=\"ps31571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Gesch\u00e4ftsjahr 2024 verl\u00e4ngert, wonach sie - sofern die EBRD ein entsprechendes Verlangen an die RBI richtet \u2013 der EBRD im </span></div><div class=\"ps31572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Austausch f\u00fcr ihre Beteiligung an der Raiffeisen Bank JSC, Kiew, im Zuge eines Share Swaps (Put-Option) entsprechend den </span></div><div class=\"ps31573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertverh\u00e4ltnissen Aktien der RBI oder eine entsprechende Zahlung in USD oder einer anderen W\u00e4hrung anbieten w\u00fcrde. Es liegt </span></div><div class=\"ps31574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im alleinigen Ermessen der RBI AG, ob die Gegenleistung in RBI-Aktien oder in Form einer Zahlung in USD oder einer anderen </span></div><div class=\"ps31575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrung erbracht wird. Die Durchf\u00fchrung einer solchen Transaktion versteht sich vorbehaltlich regulatorischer </span></div><div class=\"ps31576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Genehmigungen und entsprechender Beschl\u00fcsse in der Hauptversammlung und sonstigen Gremien. Der Wert dieser Option mit </span></div><div class=\"ps31577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem Aus\u00fcbungspreis in H\u00f6he des beizulegenden Zeitwerts war beim erstmaligen Ansatz und in der Folge Null, wonach keine </span></div><div class=\"ps31578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Drohverlustr\u00fcckstellung in der RBI AG auszuweisen ist.</span></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_1147\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Wertpapiere<span id=\"ib0be5bbee13a499faa9e1fca061321c4\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">An Schuldverschreibungen und anderen festverzinslichen Wertpapieren werden im n\u00e4chsten Gesch\u00e4ftsjahr \u20ac 464.333 Tausend </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac 347.108 Tausend) f\u00e4llig. </span></div><div class=\"ps2174 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachstehende Aufgliederung zeigt die in den Aktivposten enthaltenen zum B\u00f6rsenhandel zugelassenen Wertpapiere nach </span></div><div class=\"ps2179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">b\u00f6rsennotierten und nicht b\u00f6rsennotierten Wertpapieren (Betr\u00e4ge inkl. Zinsabgrenzung):</span></div><div class=\"ps31579 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps12858\">B\u00f6rsennotiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps7773\">Nicht b\u00f6rsennotiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps12858\">B\u00f6rsennotiert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps7773\">Nicht b\u00f6rsennotiert<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und andere festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22969\">4.221.662<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19192\">5.220<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6292\">3.594.576<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19410\">25.179<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17708\">456.460<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22182\">37<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5663\">341.108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgliederung der in den Aktivposten enthaltenen zum B\u00f6rsenhandel zugelassenen Wertpapiere nach der Bewertung als </span></div><div class=\"ps31581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anlageverm\u00f6gen oder als Umlaufverm\u00f6gen (einschlie\u00dflich Handelsbestand):</span></div><div class=\"ps31582 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps23113\">Anlageverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps3289\">Umlaufverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps23113\">Anlageverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps3289\">Umlaufverm\u00f6gen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und andere festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21231\">2.292.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25982\">1.934.534<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps415\">1.894.710<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps100\">1.725.045<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12619\">456.497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5663\">341.108<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31583 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Abgang von Wertpapieren aus dem Anlageverm\u00f6gen ist in der nachfolgenden Tabelle ersichtlich. Davon betreffen</span></div><div class=\"ps31584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 1.521.869 Tausend Tilgungen (31.12.2024: \u20ac 1.096.475 Tausend).</span></div><div class=\"ps31598 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps3137 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Bilanzposten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps1553\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps6722\">Nettoergebnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps1553\">Nominale<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps6722\">Nettoergebnis<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldtitel \u00f6ffentlicher Stellen und \u00e4hnliche Wertpapiere die zur <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Refinanzierung bei den Zentralnotenbanken zugelassen sind</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps107\">1.007.500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps10642\">-1.331<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps31585\">281.500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31586 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22200\">90.522<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21538\">81<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31589 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps31588\">93.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21656 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31590 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12618\">617.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31591 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17185\">1.934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30594 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7247\">362.556<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21664 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22194\">794<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und andere festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31592 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps508\">622.170<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31593 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25719\">735<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18685 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30696\">706.498<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18687 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20223\">-878<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31594 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31595 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18690 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14998\">153.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18691 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22392\">-2.575<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1508 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31596 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps14902\">2.337.627<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31597 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps16899\">1.419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18694 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27427\">1.597.630<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18696 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22192\">-2.659<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31599 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Unterschiedsbetr\u00e4ge zwischen Anschaffungskosten und R\u00fcckzahlungsbetrag bei Wertpapieren (ohne Nullkuponanleihen) </span></div><div class=\"ps31600 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Investmentbestandes (Bankbuch) stellen sich wie folgt dar:</span></div><div class=\"ps31601 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Unterschiedsbetrag zwischen den fortgeschriebenen Anschaffungskosten und den R\u00fcckzahlungsbetr\u00e4gen setzt sich aus</span></div><div class=\"ps31602 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 46.172 Tausend (31.12.2024: \u20ac 47.465 Tausend), die zuk\u00fcnftig als Aufwand verbucht werden, und \u20ac 278.333 Tausend (31.12.2024: </span></div><div class=\"ps31603 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 198.153 Tausend), die zuk\u00fcnftig als Ertrag einflie\u00dfen werden, zusammen.</span></div><div class=\"ps31604 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei zum B\u00f6rsenhandel zugelassenen Wertpapieren, die nicht die Eigenschaft von Finanzanlagen haben, betr\u00e4gt der </span></div><div class=\"ps31605 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetrag zwischen dem bilanzierten Anschaffungswert und dem h\u00f6heren beizulegenden Zeitwert \u20ac17.377 Tausend </span></div><div class=\"ps31606 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac 8.851 Tausend) gem\u00e4\u00df \u00a7 56 (4) BWG. Die RBI AG f\u00fchrt wie im Vorjahr keine zum B\u00f6rsenhandel zugelassenen </span></div><div class=\"ps31607 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapiere, die nicht die Eigenschaft von Finanzanlagen haben und zum h\u00f6heren Marktwert am Bilanzstichtag bilanziert </span></div><div class=\"ps31608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden (\u00a7 56 (5) BWG).</span></div><div class=\"ps31609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bilanzposten Forderungen an Kreditinstitute sind eigene Schuldverschreibungen, die nicht zum B\u00f6rsenhandel zugelassen </span></div><div class=\"ps31610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind, in H\u00f6he von \u20ac 15.747 Tausend (31.12.2024: \u20ac 15.323 Tausend) enthalten.</span></div><div class=\"ps31611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapiere im Ausma\u00df von \u20ac 820.249 Tausend (31.12.2024: \u20ac 1.262.835 Tausend) sind zum Bilanzstichtag Gegenstand echter </span></div><div class=\"ps31612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pensionsgesch\u00e4fte, wobei die RBI AG Pensionsgeber ist und die Wertpapiere weiterhin in der Bilanz ausgewiesen werden.</span></div><div class=\"ps31613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Volumen des von der RBI AG gef\u00fchrten Handelsbuches betr\u00e4gt gem\u00e4\u00df Art 103 CRR betr\u00e4gt \u20ac 218.475.571 Tausend </span></div><div class=\"ps31614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac\u00a0211.117.269 Tausend), wobei \u20ac 11.855.448 Tausend (31.12.2024: \u20ac\u00a08.615.682 Tausend) auf Wertpapiere und \u20ac </span></div><div class=\"ps31615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">206.620.123 Tausend (31.12.2024: \u20ac 204.071.015 Tausend) auf sonstige Finanzinstrumente entfallen. Die Angabe der Wertpapiere </span></div><div class=\"ps31616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bezieht sich auf die Buchwerte der Instrumente, die Angabe der sonstigen Finanzinstrumente bezieht sich auf Derivate und </span></div><div class=\"ps31617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beinhaltet Nominalwerte.</span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei folgenden Finanzinstrumenten des Finanzanlageverm\u00f6gens ist der beizulegende Zeitwert niedriger als der Buchwert:</span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:11.25pt\"></td><td style=\"padding:0;width:190.5pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:18pt\"><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1426\"><div><div class=\"ps516 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Finanzanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps11191\">Beizulegender <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps307\">Zeitwert</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps10496\">Buchwert<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps11191\">Beizulegender <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps307\">Zeitwert</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1992 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31618 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps11088 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31619 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps21642 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1539\"><div><div class=\"ps516 ss1538\"><span class=\"f charStyle-375ad3a6 ps3194\">1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31620 ss1540\"><div><div class=\"ps1485 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldtitel \u00f6ffentlicher Stellen und \u00e4hnliche Wertpapiere die zur <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Refinanzierung bei den Zentralnotenbanken zugelassen sind</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31621 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps1704\">8.470.122<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11095 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12629\">8.092.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31622 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps8521\">6.306.502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21648 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps242\">5.878.202<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1541\"><div><div class=\"ps31 ss1538\"><span class=\"f charStyle-375ad3a6 ps25433\">2.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31623 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23221 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24669\">38.852<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7438 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19433\">38.465<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23222 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26678\">45.777<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23223 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17793\">45.073<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1541\"><div><div class=\"ps31 ss1538\"><span class=\"f charStyle-375ad3a6 ps31624\">3.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31625 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8062\">323.346<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25411\">321.529<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22545\">293.237<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27475\">290.812<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1541\"><div><div class=\"ps31 ss1538\"><span class=\"f charStyle-375ad3a6 ps3188\">4.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31626 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und andere festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;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\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><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=\"ps31627 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">a) Von \u00f6ffentlichen Emittenten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><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=\"ps31628 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">b) Von anderen Emittenten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7127\">1.816.096<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19398\">1.763.470<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1706\">1.346.972<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps289\">1.285.042<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1541\"><div><div class=\"ps31 ss1538\"><span class=\"f charStyle-375ad3a6 ps14915\">5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31629 ss1217\"><div><div class=\"ps31 ss1215\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22801\">10.648.416<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps6452\">10.215.645<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1654\">7.992.487<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7170\">7.499.129<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine au\u00dferplanm\u00e4\u00dfige Abschreibung (gem\u00e4\u00df \u00a7 204 Abs. 2 UGB zweiter Satz) unterbleibt, da die Bonit\u00e4t der </span></div><div class=\"ps31631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapierschuldner so eingesch\u00e4tzt wird, dass mit planm\u00e4\u00dfigen Zinszahlungen und Tilgungen gerechnet werden kann. </span></div><div class=\"ps31632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Beteiligungen und Anteile an verbundenen Unternehmen<span id=\"i00919e7cd5d148ca9c331c7f53af1b6c\"></span></span></div><div class=\"ps31633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es bestehen wechselseitige Beteiligungen an der UNIQA Insurance Group AG, Wien, und an der Posojilnica Bank eGen, <span class=\"f ps24\"> </span></span></div><div class=\"ps31634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagenfurt. Per 31.12.2025 bestehen keine Ergebnisabf\u00fchrungsvertr\u00e4ge. </span></div><div class=\"ps31635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Verbundene Unternehmen<span class=\"f ps24\"> </span><span id=\"ib241a0dffd1d4b42ab13ecb640e75bf5\"></span></span></div><div class=\"ps31872 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:168pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:33pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:57pt\"></td></tr><tr style=\"height:21pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1544\"><div><div class=\"ps31863 ss939\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4224 ss1545\"><div><div class=\"ps31864 ss109\"><span class=\"f charStyle-ca7bbde0 ps20958\">Gesamtnominale <span class=\"f ps24\"> </span></span></div><div class=\"ps31863 ss109\"><span class=\"f charStyle-ca7bbde0 ps24410\">in Tausend</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5429 ss1546\"><div><div class=\"ps31863 ss36\"><span class=\"f charStyle-ca7bbde0 ps31865\">W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1984 ss1547\"><div><div class=\"ps31864 ss61\"><span class=\"f charStyle-ca7bbde0 ps9355\">RBI-<span class=\"f ps24\"> </span></span></div><div class=\"ps31863 ss61\"><span class=\"f charStyle-ca7bbde0 ps31866\">Direktanteil</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13367 ss1548\"><div><div class=\"ps31864 ss1191\"><span class=\"f charStyle-ca7bbde0 ps24191\">Eigenkapital in <span class=\"f ps24\"> </span></span></div><div class=\"ps31863 ss1191\"><span class=\"f charStyle-ca7bbde0 ps13537\">\u20ac Tausend</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31869 ss1547\"><div><div class=\"ps31864 ss61\"><span class=\"f charStyle-66d2abc1 ps31867\">Ergebnis in </span></div><div class=\"ps31863 ss61\"><span class=\"f charStyle-66d2abc1 ps3122\">\u20ac Tausend</span><span class=\"f charStyle-f730e5cc ps31868\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31871 ss1549\"><div><div class=\"ps31864 ss182\"><span class=\"f charStyle-3e64e966 ps17902\">Aus </span></div><div class=\"ps31863 ss182\"><span class=\"f charStyle-3e64e966 ps11050\">Jahresabschluss</span><span class=\"f charStyle-cdbbedb5 ps31870\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31637 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">Akcenta CZ a.s., Prag</span><span class=\"f charStyle-ef1a5293 ps31636\"><sup>3</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31638 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps277\">100.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31639 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps1439\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31640 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9398\"></span><span class=\"ps9398\">70 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31641 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19319\">15.382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31642 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps179\">190<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31643 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14187 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Angaga Handels- und Beteiligungs GmbH, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31644 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17187\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31645 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31647 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15654\">15.010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31648 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3067\">361<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14202 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">AO Raiffeisenbank, Moskau</span><span class=\"f charStyle-ef1a5293 ps31649\"><sup>3</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31650 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps21055\">36.711.260<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31651 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps1854\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31652 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31653 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17540\">5.465.510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31654 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps25459\">-118.673<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31655 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">BAILE Handels- und Beteiligungsgesellschaft m.b.H.,Wien</span><span class=\"f charStyle-ef1a5293 ps31656\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31657 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17966\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31658 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31659 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31660 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11937\">249.257<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31661 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10113\">-22<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31662 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss941\"><div><div class=\"ps1485 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Centralised Raiffeisen International Services &amp; Payments S.R.L., <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Bukarest</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31664 ss110\"><div><div class=\"ps516 ss109\"><span class=\"f charStyle-375ad3a6 ps31663\">2.820<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31665 ss44\"><div><div class=\"ps516 ss36\"><span class=\"f charStyle-375ad3a6 ps1995\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31666 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31667 ss1193\"><div><div class=\"ps516 ss1191\"><span class=\"f charStyle-375ad3a6 ps17765\">23.179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31668 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-375ad3a6 ps18045\">1.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31669 ss1543\"><div><div class=\"ps516 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15549 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-f7293bcd ps30\">Elevator Ventures Beteiligungs GmbH, Wien</span><span class=\"f charStyle-cc4ae03e ps31670\"><span class=\"f ps24\"> </span><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31671 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps18039\">100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31672 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31673 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31674 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps26474\">70.892<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31675 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3113\">3.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31676 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4436 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">EV II GmbH &amp; Co KG, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31677 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps4140\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31678 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31679 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17134\"></span><span class=\"ps17134\">71 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31680 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12592\">7.162<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31681 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1909\">-1.583<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31682 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4820 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Extra Year Investments Limited, Tortola<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31683 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17546\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31684 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps12727\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31685 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31686 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps15180\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31687 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31688 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5476 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">FARIO Handels- und Beteiligungsgesellschaft m.b.H., Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31689 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17966\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31690 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31691 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31692 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps27478\">2.014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31693 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13570\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31694 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6417 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Gabarts Beteiligungs GmbH &amp; Co KG in Liqu.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31695 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps16893\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31696 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31697 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31698 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17369\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31699 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31700 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10865 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Golden Rainbow International Limited, Tortola<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31701 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps10722\">&lt;1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31702 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps12727\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31703 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31704 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7363\">376<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31705 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21183\">-24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14284 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11798 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">Kathrein Privatbank Aktiengesellschaft, Wien (AT)</span><span class=\"f charStyle-ef1a5293 ps31706\"><span class=\"f ps24\"> </span><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31708 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps31707\">20.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31709 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31710 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31711 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps18634\">84.462<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31712 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1439\">24.659<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31713 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7503 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">KAURI Handels und Beteiligungs GmbH, Wien</span><span class=\"f charStyle-ef1a5293 ps31714\"><span class=\"f ps24\"> </span><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31715 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17546\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31716 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31718 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps31717\"></span><span class=\"ps31717\">88 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31720 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps31719\">7.067<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31721 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10108\">2.314<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31722 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15492 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Limited Liability Company FAIRO, Kiew<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31723 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps1575\">358.999<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31724 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps31547\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31725 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31726 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8447\">797<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31727 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps25519\">-742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31728 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14324 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">R.L.H. Holding GmbH, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31729 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17187\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31730 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31731 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31732 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps16894\">7.574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31733 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21581\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14335 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31735 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">R.P.I. Handels- und Beteiligungsges.m.b.H., Wien</span><span class=\"f charStyle-ef1a5293 ps31734\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31736 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps16878\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31737 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31738 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31739 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19737\">119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31740 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8628\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31741 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7923 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">RADWINTER SP.Z.O.O<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31742 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps4144\">30<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31743 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps29088\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31744 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31745 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19628\">7.775<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31746 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11490\">-255<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31747 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6535 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Advisory EOOD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31748 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps19196\">700<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31749 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps12858\">BGN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31750 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31751 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31752 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31753 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14378 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bank Aval JSC, Kiew (UA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31754 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps10417\">6.154.516<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31755 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps31547\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31756 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11932\"></span><span class=\"ps11932\">68 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31757 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps21182\">773.116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31758 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11173\">229.249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14390 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4350 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Bausparkasse Gesellschaft m.bH., Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31759 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps31018\">35.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31760 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31761 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31762 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps13116\">581.330<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31763 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17247\">25.053<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31764 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8601 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen CIB sp. z .o.o.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31765 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps14999\">2.105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31766 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps29088\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31767 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31768 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17892\">496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31769 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps8536\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31770 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7280 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Conversational AI Lab s. r. o.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31771 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17784\">75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31772 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31773 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9442\"></span><span class=\"ps9442\">1 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31774 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7965\">382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31775 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31776 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14437 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Digital Assets GmbH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31777 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17187\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31778 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31779 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31780 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps42\">1.556<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31781 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps5201\">-1.124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31782 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5549 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Digital Bank AG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31783 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps360\">47.599<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31784 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31785 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31786 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps1669\">76.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31787 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11285\">-38.273<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31788 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8626 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Factor Bank AG. Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31789 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps11298\">10.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31790 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31792 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps9444\">50.276<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31793 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6303\">4.278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31794 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5448 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">RBI Group IT GmbH, Wien</span><span class=\"f charStyle-ef1a5293 ps31795\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31796 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps18039\">100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5451 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31797 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31798 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19643\">351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31799 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps26841\">276<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31800 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13013 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Investment Advisory GmbH, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13016 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17187\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31801 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31802 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31803 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps29108\">986<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31804 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6981\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14503 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13025 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Kapitalanlage-Gesellschaft m.b.H., Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13027 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps1702\">15.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31805 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31806 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31807 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7199\">61.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31808 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps24187\">34.450<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31809 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8657 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">Raiffeisen RS Beteiligungs GmbH, Wien</span><span class=\"f charStyle-ef1a5293 ps31810\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13038 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17187\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31811 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31812 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31813 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps28931\">3.704.299<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31814 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps19298\">1.808.352<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31815 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7978 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Tech GmbH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13047 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17187\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31816 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31817 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31818 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps3220\">3.155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31819 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13224\">-706<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31820 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6616 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen Wohnbaubank Aktiengesellschaft, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31821 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps19510\">5.100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31822 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31823 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31825 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps31824\">8.970<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31826 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13103\">-499<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31827 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31828 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing Gesellschaft m.b.H., Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31829 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps22337\">363<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31830 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31832 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8644\">145.380<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31833 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps5914\">26.825<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31834 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9298 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-Leasing International GmbH., Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31835 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps16878\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31836 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31837 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31838 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17666\">64.724<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31839 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps21195\">4.617<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31840 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6271 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">RALT Raiffeisen Leasing Ges.m.b.H, Wien</span><span class=\"f charStyle-ef1a5293 ps31841\"><span class=\"f ps24\"> </span><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31842 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps9566\">219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31843 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31844 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31845 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps11962\">54.906<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31846 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20446\">-38<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31847 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7344 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">RALT Raiffeisen-Leasing GmbH &amp; Co. KG, Wien</span><span class=\"f charStyle-ef1a5293 ps31848\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31849 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps246\">20.348<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31850 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31851 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10980\"></span><span class=\"ps10980\">97 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31852 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps29421\">66.375<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31853 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps7005\">1.768<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31854 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31856 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">RB International Markets (USA) LLC, New York</span><span class=\"f charStyle-ef1a5293 ps31855\"><span class=\"f ps24\"> </span><sup>3</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31857 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17285\">8.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31858 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps12727\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31859 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31860 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10118\">13.895<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31861 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12790\">874<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31862 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:168pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:33pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:57pt\"></td></tr><tr style=\"height:21pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1544\"><div><div class=\"ps31863 ss939\"><span class=\"f charStyle-1dbd4d87 ps30\">Unternehmen, Sitz (Land)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4224 ss1545\"><div><div class=\"ps31864 ss109\"><span class=\"f charStyle-ca7bbde0 ps20958\">Gesamtnominale <span class=\"f ps24\"> </span></span></div><div class=\"ps31863 ss109\"><span class=\"f charStyle-ca7bbde0 ps24410\">in Tausend</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5429 ss1546\"><div><div class=\"ps31863 ss36\"><span class=\"f charStyle-ca7bbde0 ps31865\">W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1984 ss1547\"><div><div class=\"ps31864 ss61\"><span class=\"f charStyle-ca7bbde0 ps9355\">RBI-<span class=\"f ps24\"> </span></span></div><div class=\"ps31863 ss61\"><span class=\"f charStyle-ca7bbde0 ps31866\">Direktanteil</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13367 ss1548\"><div><div class=\"ps31864 ss1191\"><span class=\"f charStyle-ca7bbde0 ps24191\">Eigenkapital in <span class=\"f ps24\"> </span></span></div><div class=\"ps31863 ss1191\"><span class=\"f charStyle-ca7bbde0 ps13537\">\u20ac Tausend</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31869 ss1547\"><div><div class=\"ps31864 ss61\"><span class=\"f charStyle-66d2abc1 ps31867\">Ergebnis in </span></div><div class=\"ps31863 ss61\"><span class=\"f charStyle-66d2abc1 ps3122\">\u20ac Tausend</span><span class=\"f charStyle-f730e5cc ps31868\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31871 ss1549\"><div><div class=\"ps31864 ss182\"><span class=\"f charStyle-3e64e966 ps17902\">Aus </span></div><div class=\"ps31863 ss182\"><span class=\"f charStyle-3e64e966 ps11050\">Jahresabschluss</span><span class=\"f charStyle-cdbbedb5 ps31870\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31637 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Kantinenbetriebs GmbH, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31638 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17187\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31639 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31640 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31641 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps6715\">2.168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31642 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps292\">608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31643 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14187 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">RBI LEA Beteiligungs GmbH, Wien</span><span class=\"f charStyle-ef1a5293 ps31873\"><span class=\"f ps24\"> </span><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31644 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps4140\">70<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31645 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31646 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31647 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7132\">263.315<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31648 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps31874\">6.317<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14202 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13648 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">RBI Leasing GmbH, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31650 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps18039\">100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31651 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31652 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps31875\"></span><span class=\"ps31875\">75 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31653 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8688\">32.142<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31654 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps3828\">4.116<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31655 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">RBI PE Handels- und Beteiligungs GmbH, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31657 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17554\">150<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31658 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31659 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31660 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps17756\">1.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31661 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps31876\">957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31662 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">RBI Retail Innovation GmbH, Wien</span><span class=\"f charStyle-ef1a5293 ps31877\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31664 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17187\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31665 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31666 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31667 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19548\">5.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31668 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6985\">436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31669 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10765 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">REC Alpha LLC, Kiew</span><span class=\"f charStyle-ef1a5293 ps31878\"><sup>3</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31879 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps9384\">1.201.407<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31880 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps31547\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31881 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11005\"></span><span class=\"ps11005\">85 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31882 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19402\">2.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31883 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps86\">61<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31884 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7212 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">Regional Card Processing Center s.r.o., Bratislava</span><span class=\"f charStyle-ef1a5293 ps31885\"><sup>3</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31886 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps25883\">539<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31887 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31888 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31889 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps297\">29.351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31890 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12721\">3.302<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31891 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5434 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">R-Insurance Services sp. z o.o.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31892 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17154\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31893 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps29088\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31894 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31895 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps3220\">4.178<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31896 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12863\">329<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31897 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5994 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">RL Leasing GmbH, M\u00fcnchen (DE)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31898 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps20072\">26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31899 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31900 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12815\"></span><span class=\"ps12815\">25 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31901 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10661\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31902 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps20501\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31903 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10862 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">RZB-BLS Holding GmbH, Wien</span><span class=\"f charStyle-ef1a5293 ps31904\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31905 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17904\">500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31906 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31907 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31908 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps7000\">731.091<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31909 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps24269\">210.291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31910 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5899 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">Salvelinus Handels- und Beteiligungsges.m.b.H., Wien</span><span class=\"f charStyle-ef1a5293 ps31911\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31912 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17966\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31913 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31914 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31915 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8628\">366.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31916 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12930\">-1.769<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31917 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6755 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Scantius Holding GmbH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31918 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps17187\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31919 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31920 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31921 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps19466\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31922 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6002\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31923 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14285 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">TEG 1 Imm GmbH &amp; CO KG<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31924 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps16893\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31925 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31926 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31927 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps8523\">20.326<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31928 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps12458\">-550<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14296 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4251 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-6d404c82 ps30\">Ukrainian Processing Center PJSC, Kiew</span><span class=\"f charStyle-ef1a5293 ps31929\"><sup>3</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4253 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps19410\">180<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31930 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps31547\">UAH<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31931 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10101\"></span><span class=\"ps10101\">100 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31932 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps10500\">37.442<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31933 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps6303\">8.735<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31934 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3042 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">Valida Holding AG, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31935 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps8332\">5.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31936 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31937 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps31875\"></span><span class=\"ps31875\">57 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31938 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps9389\">42.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31939 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps5883\">20.069<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31940 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25955\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3065 ss940\"><div><div class=\"ps31 ss939\"><span class=\"f charStyle-375ad3a6 ps30\">ZHS Office- &amp; Facilitymanagement GmbH, Wien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31941 ss275\"><div><div class=\"ps31 ss109\"><span class=\"f charStyle-375ad3a6 ps16878\">36<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31942 ss37\"><div><div class=\"ps31 ss36\"><span class=\"f charStyle-375ad3a6 ps17247\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31943 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps6995\"></span><span class=\"ps6995\">4 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31944 ss1192\"><div><div class=\"ps31 ss1191\"><span class=\"f charStyle-375ad3a6 ps12558\">1.155<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31945 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1593\">40<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31946 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7185\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps5594 ss1301\"><div><div class=\"ps16905 ss7\"><span class=\"f charStyle-073efae3 ps30\">1 Das Ergebnis (teilweise aus den Konzernabschl\u00fcssen) in \u20ac Tausend entspricht dem Jahres\u00fcberschuss/-fehlbetrag</span></div><div class=\"ps16907 ss7\"><span class=\"f charStyle-073efae3 ps30\">2 Eigenkapital und Jahresergebnis nach IFRS (vollkonsolidierte inl\u00e4ndische Gesellschaften)<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss7\"><span class=\"f charStyle-073efae3 ps30\">3 Eigenkapital und Jahresergebnis nach IFRS (vollkonsolidierte ausl\u00e4ndische Gesellschaften)</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps31948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Anlageverm\u00f6gen<span id=\"ie0087dd36cb74c2b84fd556cca582ef5\"></span></span></div><div class=\"ps31949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Grundwert der bebauten Grundst\u00fccke betr\u00e4gt \u20ac 29 Tausend (31.12.2024: \u20ac 32 Tausend). </span></div><div class=\"ps31950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG selbst war 2025 nicht als Leasinggeber im Leasinggesch\u00e4ft engagiert. Mit der Tochtergesellschaft Raiffeisen-<span class=\"f ps24\"> </span></span></div><div class=\"ps31951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasing Gesellschaft m.b.H. verf\u00fcgt die RBI aber \u00fcber eine starke Pr\u00e4senz am \u00f6sterreichischen wie internationalen </span></div><div class=\"ps31952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leasingmarkt</span></div><div class=\"ps31953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verpflichtungen aus der Nutzung von in der Bilanz nicht ausgewiesenen Sachanlagen betragen f\u00fcr das folgende <span class=\"f ps24\"> </span></span></div><div class=\"ps31954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsjahr \u20ac 38.888 Tausend (31.12.2024: \u20ac 41.363 Tausend), davon \u20ac 35.525 Tausend gegen\u00fcber verbundenen Unternehmen </span></div><div class=\"ps31955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac 38.417 Tausend). Der Gesamtbetrag der Verpflichtungen f\u00fcr die folgenden f\u00fcnf Jahre bel\u00e4uft sich auf \u20ac 208.954 <span class=\"f ps24\"> </span></span></div><div class=\"ps31956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend (31.12.2024: \u20ac 219.380 Tausend), davon \u20ac 190.885 Tausend gegen\u00fcber verbundenen Unternehmen (31.12.2024: \u20ac 203.755 </span></div><div class=\"ps31957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend).<span class=\"f ps24\"> </span></span></div><div class=\"ps31958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bilanzposten Immaterielle Verm\u00f6gensgegenst\u00e4nde des Anlageverm\u00f6gens sind keine immateriellen Anlageg\u00fcter enthalten, <span class=\"f ps24\"> </span></span></div><div class=\"ps31959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die von verbundenen Unternehmen erworben wurden.</span></div><div class=\"ps30976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Entwicklung des Anlageverm\u00f6gens ist in den nachfolgenden Spiegeln ersichtlich:</span></div><div class=\"ps32069 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:23.25pt\"></td><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:49.5pt\"></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1551\"><div><div class=\"ps31 ss1550\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"6\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31961 ss1553\"><div><div class=\"ps264 ss1552\"><span class=\"f charStyle-1dbd4d87 ps31960\">Anschaffungs-/Herstellungskosten<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1555\"><div><div class=\"ps516 ss1554\"><span class=\"f charStyle-1dbd4d87 ps30\">Pos.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps31962 ss1428\"><div><div class=\"ps516 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Bezeichnung des Anlageverm\u00f6gens<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps31964 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps31963\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps9061 ss43\"><div><div class=\"ps1485 ss40\"><span class=\"f charStyle-1dbd4d87 ps12264\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps31965\">differenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps26332 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps13493\">Zug\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps31966 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps26463\">Abg\u00e4nge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps31967 ss43\"><div><div class=\"ps1485 ss40\"><span class=\"f charStyle-1dbd4d87 ps8704\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss40\"><span class=\"f charStyle-1dbd4d87 ps5953\">buchungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps31968 ss1170\"><div><div class=\"ps516 ss899\"><span class=\"f charStyle-1dbd4d87 ps3239\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31969 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps21885\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31970 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps25148\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31971 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31972 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps25703\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17947 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps26738\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps31973 ss901\"><div><div class=\"ps264 ss899\"><span class=\"f charStyle-1dbd4d87 ps18767\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1556\"><div><div class=\"ps5427 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31974 ss1557\"><div><div class=\"ps5430 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldtitel \u00f6ffentlicher Stellen und \u00e4hnliche <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere die zur Refinanzierung bei den <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralnotenbanken zugelassen sind<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31975 ss1333\"><div><div class=\"ps5427 ss40\"><span class=\"f charStyle-375ad3a6 ps2057\">9.222.490<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31976 ss1333\"><div><div class=\"ps5427 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31977 ss1333\"><div><div class=\"ps5427 ss40\"><span class=\"f charStyle-375ad3a6 ps5296\">3.413.580<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31978 ss1333\"><div><div class=\"ps5427 ss40\"><span class=\"f charStyle-375ad3a6 ps31435\">-1.066.937<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17955 ss1333\"><div><div class=\"ps5427 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31979 ss1558\"><div><div class=\"ps5427 ss899\"><span class=\"f charStyle-375ad3a6 ps13020\">11.569.134<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">2.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31980 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31981 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps3158\">196.648<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31982 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21105\">-4.621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31983 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps23006\">2.993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31984 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11468\">-89.231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31985 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31986 ss901\"><div><div class=\"ps31 ss899\"><span class=\"f charStyle-375ad3a6 ps15660\">105.789<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1918 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">3.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31987 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31989 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps31988\">661.256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8749 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11927\">-4.460<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31990 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11079\">1.143.135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31991 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10174\">-615.436<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31992 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31993 ss901\"><div><div class=\"ps31 ss899\"><span class=\"f charStyle-375ad3a6 ps5943\">1.184.494<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1934 ss1555\"><div><div class=\"ps516 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">4.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31994 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen und and. festverzinsliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31995 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps17786\">1.874.891<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31996 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps20545\">-13.188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31998 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps31997\">939.922<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31999 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps9364\">-538.928<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32000 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32001 ss1170\"><div><div class=\"ps516 ss899\"><span class=\"f charStyle-375ad3a6 ps10281\">2.262.698<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6032 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps1184\">a)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32002 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Von \u00f6ffentlichen Emittenten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32003 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32004 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32005 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps9421\">186.029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32006 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps18011\">-186.029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32007 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32008 ss901\"><div><div class=\"ps31 ss899\"><span class=\"f charStyle-375ad3a6 ps10479\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps1184\">b)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32009 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Eigene Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32010 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32011 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32012 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32013 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32014 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32015 ss901\"><div><div class=\"ps31 ss899\"><span class=\"f charStyle-375ad3a6 ps10479\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10913 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps26421\">c)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32016 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Von anderen Emittenten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32017 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17786\">1.874.891<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32018 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps20545\">-13.188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32019 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1892\">753.894<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32021 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps32020\">-352.899<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32022 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32023 ss901\"><div><div class=\"ps31 ss899\"><span class=\"f charStyle-375ad3a6 ps10281\">2.262.698<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20850 ss1555\"><div><div class=\"ps516 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32024 ss1428\"><div><div class=\"ps1485 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien und andere nicht festverzinsliche <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32025 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1454\">405.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32026 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32027 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32028 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32029 ss43\"><div><div class=\"ps516 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32030 ss1170\"><div><div class=\"ps516 ss899\"><span class=\"f charStyle-375ad3a6 ps18453\">405.000<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32031 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32032 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11470\">115.201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32033 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32034 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6002\">3.260<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32035 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps88\">-414<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32036 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1509\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32037 ss901\"><div><div class=\"ps31 ss899\"><span class=\"f charStyle-375ad3a6 ps13570\">118.046<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">7.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32038 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32039 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps25492\">12.382.695<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9135 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32040 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13106\">54.675<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32041 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps13234\">-25.644<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32042 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17200\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32043 ss901\"><div><div class=\"ps31 ss899\"><span class=\"f charStyle-375ad3a6 ps13135\">12.411.727<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32044 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32046 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps32045\">187.914<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32047 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17755\">35<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32048 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1597\">3.631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32049 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps11429\">-11.404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32050 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32051 ss901\"><div><div class=\"ps31 ss899\"><span class=\"f charStyle-375ad3a6 ps26731\">180.176<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">9.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32052 ss4\"><div><div class=\"ps31 ss3\"><span class=\"f charStyle-375ad3a6 ps30\">Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32053 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10967\">42.737<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32054 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps26842\">-48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32055 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7134\">1.506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32057 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps32056\">-2.715<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32058 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32059 ss901\"><div><div class=\"ps31 ss899\"><span class=\"f charStyle-375ad3a6 ps191\">41.481<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32060 ss4\"><div><div class=\"ps264 ss3\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32061 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps27164\">26.963.724<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32062 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps10492\">-35.469<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32064 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps32063\">6.502.625<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32065 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps2999\">-2.889.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32066 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps19645\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32068 ss901\"><div><div class=\"ps264 ss899\"><span class=\"f charStyle-1dbd4d87 ps32067\">30.541.243<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:23.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss877\"><div><div class=\"ps31 ss876\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"6\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps41 ss1291\"><div><div class=\"ps264 ss806\"><span class=\"f charStyle-1dbd4d87 ps22541\">Buchwerte<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1556\"><div><div class=\"ps5427 ss1554\"><span class=\"f charStyle-1dbd4d87 ps30\">Pos.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps31962 ss267\"><div><div class=\"ps5426 ss259\"><span class=\"f charStyle-1dbd4d87 ps3267\">Kumulierte AfA <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss259\"><span class=\"f charStyle-1dbd4d87 ps32072\">Stand 1.1.2025</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps32073 ss1333\"><div><div class=\"ps5426 ss40\"><span class=\"f charStyle-1dbd4d87 ps12264\">W\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss40\"><span class=\"f charStyle-1dbd4d87 ps31965\">differenzen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps32075 ss1333\"><div><div class=\"ps5430 ss40\"><span class=\"f charStyle-1dbd4d87 ps5954\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss40\"><span class=\"f charStyle-1dbd4d87 ps32074\">AfA im </span></div><div class=\"ps5427 ss40\"><span class=\"f charStyle-1dbd4d87 ps1885\">Abgang<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps32076 ss1333\"><div><div class=\"ps5426 ss40\"><span class=\"f charStyle-1dbd4d87 ps2014\">Zuschrei-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss40\"><span class=\"f charStyle-1dbd4d87 ps1874\">bungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps32077 ss909\"><div><div class=\"ps5426 ss137\"><span class=\"f charStyle-1dbd4d87 ps5739\">Abschrei-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss137\"><span class=\"f charStyle-1dbd4d87 ps6441\">bungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps17667 ss909\"><div><div class=\"ps5426 ss137\"><span class=\"f charStyle-1dbd4d87 ps32078\">Um-<span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss137\"><span class=\"f charStyle-1dbd4d87 ps32079\">buchungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps32081 ss909\"><div><div class=\"ps5430 ss137\"><span class=\"f charStyle-1dbd4d87 ps32080\">Kumulierte <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss137\"><span class=\"f charStyle-1dbd4d87 ps1198\">AfA Stand </span></div><div class=\"ps5427 ss137\"><span class=\"f charStyle-1dbd4d87 ps15140\">31.12.2025</span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps49 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps9269\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps50 ss775\"><div><div class=\"ps5427 ss5\"><span class=\"f charStyle-1dbd4d87 ps10109\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps32082 ss273\"><div><div class=\"ps264 ss259\"><span class=\"f charStyle-1dbd4d87 ps17554\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps32084 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps32083\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps32085 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps18491\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps32086 ss41\"><div><div class=\"ps264 ss40\"><span class=\"f charStyle-1dbd4d87 ps5087\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps32087 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps27477\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps32088 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps6723\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps32089 ss138\"><div><div class=\"ps264 ss137\"><span class=\"f charStyle-1dbd4d87 ps17772\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps32090 ss6\"><div><div class=\"ps264 ss5\"><span class=\"f charStyle-1dbd4d87 ps17244\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps10856 ss6\"><div><div class=\"ps264 ss5\"><span class=\"f charStyle-1dbd4d87 ps22298\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4812 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">1.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32091 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps9892\">-17.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32092 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32093 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps5983\">15.900<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32094 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7187\">43.867<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32095 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps9117\">-14.550<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32096 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32097 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps11446\">27.705<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32098 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps16652\">11.596.839<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23783 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9414\">9.204.979<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3895 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">2.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32099 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps397\">715<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32100 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10787\">-60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32101 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps120\">-176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32102 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps6047\">1.002<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32103 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps14902\">-94<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32104 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32105 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps12732\">1.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15185 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps7183\">107.175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15186 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps12445\">197.363<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">3.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32107 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps32106\">312<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32108 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17200\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32109 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21770\">-895<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32110 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10654\">1.140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32111 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10655\">-1.176<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32112 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32113 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps21184\">-618<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15187 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps32114\">1.183.876<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15188 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps31172\">661.568<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">4.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32115 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps23270\">1.669<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32116 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps56\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32117 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps21188\">-4.510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32119 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps32118\">7.838<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32120 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps11446\">-4.502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17179 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32121 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps6515\">594<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32122 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9421\">2.263.292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23793 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6462\">1.876.560<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps1864\">a)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32123 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32124 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32125 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps18543\">-1.466<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32126 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps8545\">1.571<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9976 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10369\">-105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17189 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32127 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32128 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23797 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps1864\">b)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32129 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32130 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32131 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32132 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32133 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17198 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32134 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32135 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23801 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps468\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps1864\">c)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32136 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps23270\">1.669<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32137 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps56\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32138 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps18445\">-3.045<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32139 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps9440\">6.267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32140 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps13568\">-4.397<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17206 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32141 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps6515\">594<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32142 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps9421\">2.263.292<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23804 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps6462\">1.876.560<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">5.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32143 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32144 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32145 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32146 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32147 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17215 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32148 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32149 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1687\">405.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23808 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps1687\">405.000<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">6.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32150 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps21249\">-35.217<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32151 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32152 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32153 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps12439\">10.730<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9992 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps6818\">-2.291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17226 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32154 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps1835\">-26.778<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32155 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps18753\">91.268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32156 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps340\">79.984<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">7.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32157 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps26696\">-3.442.994<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32158 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32159 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps17977\">22.012<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32160 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7124\">247.604<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32161 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps1846\">-85.672<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17236 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32163 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps32162\">-3.259.050<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32164 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps23654\">9.152.677<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32165 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps21199\">8.939.701<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">8.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32166 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps31988\">-170.578<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32167 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps7448\">-16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32169 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps32168\">11.393<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32170 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32171 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps9400\">-5.720<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17243 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps15649\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32172 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps1437\">-164.921<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32173 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13131\">15.256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32174 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps13217\">17.336<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1559\"><div><div class=\"ps31 ss1554\"><span class=\"f charStyle-375ad3a6 ps30\">9.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32175 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13123\">-26.907<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32176 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1464\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32177 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps10653\">2.713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32178 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-375ad3a6 ps1498\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32179 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps13568\">-3.647<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17252 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps3144\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32180 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-375ad3a6 ps10485\">-27.831<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32181 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps8527\">13.650<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32182 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-375ad3a6 ps10119\">15.830<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32183 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps27139\">-3.688.843<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32184 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps18548\">132<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32185 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps18453\">41.926<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32187 ss41\"><div><div class=\"ps31 ss40\"><span class=\"f charStyle-1dbd4d87 ps32186\">320.019<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9845 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps21197\">-122.154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17262 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps18584\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32188 ss138\"><div><div class=\"ps31 ss137\"><span class=\"f charStyle-1dbd4d87 ps11479\">-3.448.919<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32189 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps17600\">27.092.325<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32190 ss6\"><div><div class=\"ps31 ss5\"><span class=\"f charStyle-1dbd4d87 ps31340\">23.274.881<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32192 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span id=\"ic0710b127eba4cc4950eebf740a623c9\"></span></span></div><div class=\"ps32194 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen Verm\u00f6gensgegenst\u00e4nde belaufen sich zum 31.12.2025 auf \u20ac 6.310.916 Tausend (31.12.2024: \u20ac 7.606.944 Tausend). I<span class=\"f ps24\"> </span></span><span class=\"f charStyle-26fbf26f ps32193\"><span style=\"background-color:inherit\">n </span></span></div><div class=\"ps32195 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diesem Posten sind Forderungen aus Treasurygesch\u00e4ften (positive Marktwerte aus derivativen Finanzinstrumenten des </span></span></div><div class=\"ps32196 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Handelsbuches inkl. Derivate f\u00fcr Kapitalgarantien sowie Zinsabgrenzungen aus Derivaten des Bankbuches \u2013 Details siehe </span></span></div><div class=\"ps32199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Darstellung der noch nicht abgewickelten Termingesch\u00e4fte) in H\u00f6he </span></span><span class=\"f charStyle-9eccfdcb ps32197\">von \u20ac 3.819.005 </span><span class=\"f charStyle-26fbf26f ps32198\"><span style=\"background-color:inherit\">Tausend (31.12.2024: \u20ac\u00a03.828.076 Tausend) </span></span></div><div class=\"ps32201 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">enthalt</span></span><span class=\"f charStyle-9eccfdcb ps32200\">en. Weiters sind in diesem Posten noch Forderungen (Sonderverm\u00f6gen) gegen\u00fcber der \u00d6sterreichischen Raiffeisen-</span></div><div class=\"ps32202 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einlagensicherung eGen (\u00d6RS) aufgrund des Raiffeisen-IPS-Beitrags in H\u00f6he von \u20ac 531.203 Tausend (31.12.2024: \u20ac 526.606 </span></div><div class=\"ps32203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend), Best\u00e4nde an gem\u00fcnzten und ungem\u00fcnzten Edelmetallen in H\u00f6he von \u20ac 169.843 Tausend (31.12.2024: \u20ac 514.952 </span></div><div class=\"ps32204 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend), aus Steuerumlagen resultierende Forderungen gegen\u00fcber Gruppenmitgliedern in H\u00f6he von \u20ac 84.513 Tausend <span class=\"f ps24\"> </span></span></div><div class=\"ps27235 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac 73.374 Tausend), Dividendenforderungen in H\u00f6he von \u20ac 1.202.811 Tausend (31.12.2024: \u20ac 2.202.506 Tausend) sowie </span></div><div class=\"ps32205 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen gegen\u00fcber dem Finanzamt in H\u00f6he von \u20ac 67.203 Tausend (31.12.2024: \u20ac 64.596 Tausend) enthalten, darunter </span></div><div class=\"ps32206 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorauszahlungen f\u00fcr K\u00f6rperschaftsteuer in H\u00f6he von \u20ac 14.877 Tausend (31.12.2024: \u20ac 8.065 Tausend).</span></div><div class=\"ps23682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den sonstigen Verm\u00f6gensgegenst\u00e4nden sind Ertr\u00e4ge in H\u00f6he von \u20ac 1.758.261 Tausend (31.12.2024: \u20ac 2.657.094 Tausend) </span></div><div class=\"ps23683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enthalten, die erst nach dem Abschlussstichtag zahlungswirksam werden.</span></div><div class=\"ps32207 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Aktive latente Steuern<span id=\"i35b38977b7cf45b9a28526663d54267f\"></span></span></div><div class=\"ps32208 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die in der Bilanz ausgewiesenen aktiven latenten Steuern in H\u00f6he von \u20ac 644 Tausend (31.12.2024: \u20ac 738 Tausend) resultieren aus </span></div><div class=\"ps32209 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steuerlichen Verlustvortr\u00e4gen gegen\u00fcber amerikanischen Steuerbeh\u00f6rden, des im Jahr 2017 liquidierten Tochterunternehmens </span></div><div class=\"ps32210 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RB International Finance (USA), LLC, New York. Sie basieren auf geplanten zuk\u00fcnftigen steuerlichen Gewinnen des </span></div><div class=\"ps32211 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochterunternehmens RB International Markets (USA) LLC, New York (Steuersatz: 25,7 Prozent). Aus aktiven tempor\u00e4ren </span></div><div class=\"ps32212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Differenzen in H\u00f6he von \u20ac 82.497 Tausend (31.12.2024: \u20ac 131.664 Tausend) und aus inl\u00e4ndischen steuerlichen Verlustvortr\u00e4gen in <span class=\"f ps24\"> </span></span></div><div class=\"ps32213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von \u20ac 1.844.187 Tausend (31.12.2024: \u20ac 1.765.462 Tausend) wurden keine latenten Steuern aktiviert, weil ihre Nutzung aus </span></div><div class=\"ps32214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">heutiger Sicht in angemessener Zeit nicht realisierbar erscheint.</span></div><div class=\"ps32215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die Berechnung der aktiven und passiven latenten Steuern ist jener Steuersatz anzuwenden, der wahrscheinlich bei </span></div><div class=\"ps32216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Realisierung (Umkehr) der latenten Steuer zugrundeliegenden tempor\u00e4ren Differenz zur Anwendung kommt. Bei aktiven </span></div><div class=\"ps32217 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">latenten Steuern ist damit ein Steuersatz von 11,5 Prozent anzuwenden. Bei passiven latenten Steuern betragen die </span></div><div class=\"ps32218 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsprechenden Steuers\u00e4tze 23 Prozent bzw. soweit eine Aufrechnung mit Verlustvortr\u00e4gen oder aktiven latenten Steuern </span></div><div class=\"ps32219 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glich ist 11,5 Prozent. </span></div><div class=\"ps27702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Ansatz von aktiven Latenzen mit dem halben K\u00f6rperschaftsteuersatz begr\u00fcndet sich dadurch, dass auf Basis des </span></div><div class=\"ps27703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geltenden Gruppenumlagevertrags nur mit diesem Satz mit Sicherheit eine k\u00fcnftige Entlastung erfolgt. Eine </span></div><div class=\"ps27704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dar\u00fcberhinausgehende Entlastung ist f\u00fcr das Gruppenmitglied nicht absch\u00e4tzbar, da kein Einfluss auf die H\u00f6he des auf </span></div><div class=\"ps27705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gruppenebene entsteuerbaren Gewinnanteils besteht. Der Grund f\u00fcr den Ansatz von passiven Latenzen mit 23 Prozent (wenn </span></div><div class=\"ps32220 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Aufrechnungsm\u00f6glichkeit mit aktiven Latenzen besteht) ist die Tatsache, dass dies der vereinbarte Umlagesatz f\u00fcr </span></div><div class=\"ps32221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">positive Ergebnisse ist und dieser nur dann niedriger ist, wenn ein entsteuerbarer Gewinnanteil vorliegt.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Nachrangige Verm\u00f6gensgegenst\u00e4nde<span id=\"ib79aa1b5307844b9aae3dcb3466e9122\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den Aktivposten enthaltene Verm\u00f6gensgegenst\u00e4nde nachrangiger Art:</span></div><div class=\"ps25203 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Forderungen an Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1492\">845.876<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps12579\">896.489<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">hievon an verbundene Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21660\">844.168<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps28609\">894.786<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">hievon an Unternehmen mit Beteiligungsverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20097\">1.709<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20916\">1.702<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1468\">215.095<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19532\">25.340<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">hievon an verbundene Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">hievon an Unternehmen mit Beteiligungsverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen und andere festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps12450\">58.747<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25821\">55.888<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">hievon an verbundene Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">hievon an Unternehmen mit Beteiligungsverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18789\">93<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps151 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8049\">456.706<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19613\">450.862<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">hievon an verbundene Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps328\">428.440<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16877\">431.043<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">hievon an Unternehmen mit Beteiligungsverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20321\">728<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32223 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In obiger Tabelle sind Eigenbest\u00e4nde von begebenen Erg\u00e4nzungskapital- bzw. AT1-Instrumenten enthalten, welche im </span></div><div class=\"ps3665 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsprechenden Posten zur Passiva im Detail ersichtlich sind.</span></div><div class=\"ps32224 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Verf\u00fcgungsbeschr\u00e4nkungen f\u00fcr Verm\u00f6gensgegenst\u00e4nde<span id=\"i23ffad00961e4b3cad02552600efecbc\"></span></span></div><div class=\"ps32225 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum Bilanzstichtag bestehende Verf\u00fcgungsbeschr\u00e4nkungen f\u00fcr Verm\u00f6gensgegenst\u00e4nde (gem. \u00a7 64 Abs.1 Z8 BWG):</span></div><div class=\"ps32227 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Sicherstellung f\u00fcr Wertpapier-Leihgesch\u00e4fte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12776\">133.936<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18604\">294.921<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Abgetretene Forderungen zugunsten der \u00d6sterreichischen Kontrollbank (OeKB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18602\">2.503.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32226\">3.040.411<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Sicherstellung f\u00fcr OeNB-Tender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Abgetretene Forderungen zugunsten der Europ\u00e4ischen Investitionsbank (EIB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22193\">9.399<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17797\">19.736<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Abgetretene Forderungen zugunsten der Kreditanstalt f\u00fcr Wiederaufbau (KfW)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15648\">198.978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17715\">143.032<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Raiffeisen-IPS<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22338\">531.203<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30971\">526.606<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Marginerfordernisse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Treasury-Callgelder f\u00fcr vertragliche Nettingvereinbarungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12472\">1.631.500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19402\">1.618.473<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps140 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps9386\">5.008.380<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps317\">5.643.180<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Dar\u00fcber hinaus wurden Wertpapiersicherheiten in Form von \u00f6sterreichischen Staatsanleihen mit Buchwerten in H\u00f6he von </span></span></div><div class=\"ps24794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">\u20ac 186.241 Tausend (31.12.2024: 229.857 Tausend) f\u00fcr Verbriefungstransaktionen gestellt.</span></span><span class=\"f charStyle-9eccfdcb ps32228\"> Au\u00dferdem f\u00fchrt die RBI AG </span></div><div class=\"ps24795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte mit Verf\u00fcgungsbeschr\u00e4nkungen in H\u00f6he von \u20ac 2.822.330 Tausend (31.12.2024: \u20ac 2.549.968 Tausend) f\u00fcr </span></div><div class=\"ps24796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gedeckte Schuldverschreibungen im Rahmen ihres Deckungsstockmanagements im Aktivbestand. </span></div><div class=\"ps32229 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG zeigt im Posten Sonstige Verm\u00f6gensgegenst\u00e4nde Buchwerte von Derivaten in H\u00f6he von \u20ac 3.819.005 Tausend </span></div><div class=\"ps32230 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac 3.828.076 Tausend), wovon \u20ac3.580.485 Tausend (31.12.2024: \u20ac 3.415.768 Tausend) durch Cash Collaterals besichert </span></div><div class=\"ps32231 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Weiters sind im Posten Sonstige Verbindlichkeiten Buchwerte von Derivaten in H\u00f6he von \u20ac 3.233.351 Tausend vorhanden </span></div><div class=\"ps32232 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.122024: \u20ac 3.426.945 Tausend), wovon \u20ac 3.013.187 Tausend (31.12.2024: \u20ac 3.159.250 Tausend) durch Cash Collaterals besichert </span></div><div class=\"ps32233 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Die genannten Buchwerte von Derivaten im Posten Sonstige Verm\u00f6gensgegenst\u00e4nde inkludieren Buchwerte von </span></div><div class=\"ps32234 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedern der Abwicklungsgruppe \u00d6sterreich in H\u00f6he von \u20ac 1.902 Tausend (31.12.2024: 991 Tausend) und im Posten Sonstige </span></div><div class=\"ps32235 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten \u20ac 14.806 Tausend (31.12.2024: \u20ac 19.647 Tausend), welche durch Cash Collaterals besichert sind.</span></div><div class=\"ps32236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es erfolgt keine Saldierung in der Bilanz, da den jeweiligen Vertragspartnern ein Recht zur Aufrechnung von erfassten Betr\u00e4gen </span></div><div class=\"ps32237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einger\u00e4umt wird, welches nur bei Eintritt eines Ereignisses, wie Insolvenz oder Konkurs durchsetzbar ist. Dar\u00fcber hinaus wird </span></div><div class=\"ps32238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht beabsichtigt auf Nettobasis abzurechnen.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Aktivposten betreffend verbundene Unternehmen und Unternehmen, mit <span id=\"if40db5a805174100b517288298b6e696\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">denen ein Beteiligungsverh\u00e4ltnis besteht</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen sowie Schuldverschreibungen und andere festverzinsliche Wertpapiere an bzw. von verbundenen Unternehmen </span></div><div class=\"ps16932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Unternehmen, mit denen ein Beteiligungsverh\u00e4ltnis besteht:</span></div><div class=\"ps32240 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Forderungen an Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">An verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12537\">2.704.957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32226\">2.788.851<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">An Unternehmen mit Beteiligungsverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25443\">425.790<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5087\">325.399<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Forderungen an Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">An verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10750\">1.289.568<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19492\">1.254.460<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">An Unternehmen mit Beteiligungsverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1456\">40.946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17200\">54.077<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Schuldverschreibungen und andere festverzinsliche Wertpapiere<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Von verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21047\">63.417<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13435\">38.369<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps140 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Von Unternehmen mit Beteiligungsverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7791\">109.416<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25150\">74.881<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Passiva<span id=\"i7841d3be7a3049879e10fc23d25227b3\"></span></span></div><div class=\"ps32242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Verbindlichkeiten<span id=\"ida54fbf60702407ab4b34a19f421e169\"></span></span></div><div class=\"ps32243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Darstellung der Fristigkeiten<span id=\"i5b108f4518f84ac0a9d066a7bd8c2ca0\"></span></span></div><div class=\"ps32244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Gliederung der Verbindlichkeiten gegen\u00fcber Kreditinstituten, der Verbindlichkeiten gegen\u00fcber Kunden, der verbrieften </span></div><div class=\"ps32245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten und der sonstigen Verbindlichkeiten nach Restlaufzeiten stellt sich folgenderma\u00dfen dar:<span class=\"f ps24\"> </span></span></div><div class=\"ps32247 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps208\">21.575.315<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8719\">25.503.420<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">T\u00e4glich f\u00e4llig<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15654\">2.646.966<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13210\">4.675.855<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1534\">13.075.928<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10434\">14.379.888<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Von 3 Monaten bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12625\">1.164.284<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22969\">1.378.692<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Von 1 Jahr bis 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17605\">3.261.912<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10698\">3.542.636<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcber 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps34\">1.426.227<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1640\">1.526.349<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps198\">17.127.562<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7135\">17.740.795<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">T\u00e4glich f\u00e4llig<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18567\">5.645.581<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1640\">5.623.419<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13219\">8.442.794<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8448\">7.515.171<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Von 3 Monaten bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11332\">1.814.471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10790\">3.290.398<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Von 1 Jahr bis 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17131\">808.752<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7447\">749.359<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcber 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26676\">415.964<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32246\">562.448<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbriefte Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10596\">20.290.268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps12818\">19.165.186<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps38\">2.049.113<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17196\">1.114.318<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Von 3 Monaten bis 1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps272\">2.339.295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18589\">1.808.202<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Von 1 Jahr bis 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18634\">14.313.940<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1536\">15.700.247<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">\u00dcber 5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19428\">1.587.921<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps503\">542.418<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18402 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps191\">4.869.689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10789\">4.710.813<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Bis 3 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18406 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27427\">4.869.689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18407 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19684\">4.710.813<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">An begebenen Schuldverschreibungen werden im n\u00e4chsten Gesch\u00e4ftsjahr \u20ac 4.388.407 Tausend (31.12.2024: \u20ac 2.983.223 Tausend) <span class=\"f ps24\"> </span></span></div><div class=\"ps32249 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00e4llig.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten gegen\u00fcber verbundenen Unternehmen und Unternehmen, mit denen ein Beteiligungsverh\u00e4ltnis besteht:<span class=\"f ps24\"> </span></span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Gegen\u00fcber verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32250\">3.855.050<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11964\">4.645.805<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Gegen\u00fcber Unternehmen mit Beteiligungsverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10806\">4.745.536<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10801\">5.274.440<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Gegen\u00fcber verbundenen Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19599\">2.703.716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13219\">3.604.793<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">Gegen\u00fcber Unternehmen mit Beteiligungsverh\u00e4ltnis<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17797\">71.744<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17799\">76.003<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Sonstige Verbindlichkeiten<span id=\"ifb1e48dfd3fd457eb19ea4db58924ff6\"></span></span></div><div class=\"ps32254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen Verbindlichkeiten belaufen sich zum 31.12.2025 auf \u20ac 4.869.689 Tausend (31.12.2024: \u20ac 4.710.813 Tausend). I</span><span class=\"f charStyle-26fbf26f ps32253\"><span style=\"background-color:inherit\">n </span></span></div><div class=\"ps32255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diesem Posten werden Verbindlichkeiten aus Treasurygesch\u00e4ften (\u00fcberwiegend negative Marktwerte aus derivativen </span></span></div><div class=\"ps32256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzinstrumenten des Handelsbuches sowie Zinsabgrenzungen aus Derivaten des Bankbuches \u2013 Details siehe Darstellung der </span></span></div><div class=\"ps32260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">noch nicht abgewickelten Termingesch\u00e4fte) in H\u00f6he v</span></span><span class=\"f charStyle-9eccfdcb ps32257\">on \u20ac 3.233.351 Tausend</span><span class=\"f charStyle-26fbf26f ps32258\"><span style=\"background-color:inherit\"> (31.12.2024: \u20ac 3.426.945 Taus</span></span><span class=\"f charStyle-9eccfdcb ps32259\">end) sowie </span></div><div class=\"ps32261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbindlichkeiten aus Short-Positionen von Anleihen und Aktien in H\u00f6he von \u20ac 1.250.154 Tausend (31.12.2024: \u20ac 941.554 Tausend) <span class=\"f ps24\"> </span></span></div><div class=\"ps28417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgewiesen. Der Marktwert der Absicherungsgesch\u00e4fte betreffend Kapitalgarantien f\u00fcr Fonds bel\u00e4uft sich auf \u20ac 4.670 </span></div><div class=\"ps28419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend (31.12.2024: \u20ac 5.701 Tausend). W</span><span class=\"f charStyle-26fbf26f ps32262\"><span style=\"background-color:inherit\">eiters sind noch Zinsabgrenzungen f\u00fcr Erg\u00e4nzungskapital in H\u00f6he von \u20ac 39.027 </span></span></div><div class=\"ps28420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">T</span></span><span class=\"f charStyle-9eccfdcb ps32263\">ausend (31.12.2024: \u20ac 22.446 Tausend) sowie Verbindlichkeiten aus Steuerumlagen (K\u00f6rperschaftsteuer) sowie aus </span></div><div class=\"ps32264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anrechenbarer Kapitalertrags- und Quellensteuer gegen\u00fcber Gruppenmitgliedern in H\u00f6he von insgesamt \u20ac 18.540 Tausend </span></div><div class=\"ps32265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac 19.285 Tausend) enthalten. <span class=\"f ps24\"> </span></span></div><div class=\"ps32266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In den sonstigen Verbindlichkeiten sind Aufwendungen in H\u00f6he von \u20ac 500.678 Tausend (31.12.2024: \u20ac 487.482 Tausend), die erst </span></div><div class=\"ps32267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach dem Abschlussstichtag zahlungswirksam werden, enthalten.</span></div><div class=\"ps32268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">R\u00fcckstellungen<span id=\"i2193c74ae3ef4711a5aa9b4705020590\"></span></span></div><div class=\"ps15539 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die R\u00fcckstellungen betreffen mit \u20ac49.172 Tausend (31.12.2024: \u20ac 53.133 Tausend) R\u00fcckstellungen f\u00fcr Abfertigungen, mit \u20ac 43.044 </span></div><div class=\"ps15540 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend (31.12.2024: \u20ac 56.022 Tausend) R\u00fcckstellungen f\u00fcr Pensionen, mit \u20ac 41.958 Tausend (31.12.2024: \u20ac 34.604 Tausend) </span></div><div class=\"ps32269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerr\u00fcckstellungen und mit \u20ac 1.568.717 Tausend (31.12.2024: \u20ac 1.390.196 Tausend) sonstige R\u00fcckstellungen (zu n\u00e4heren Details <span class=\"f ps24\"> </span></span></div><div class=\"ps32270 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in Zusammenhang mit sonstigen R\u00fcckstellungen siehe Aufgliederung in nachstehender Tabelle). F\u00fcr Pensionsr\u00fcckstellungen in </span></div><div class=\"ps32271 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von \u20ac 7.703 Tausend (31.12.2024: \u20ac 8.613 Tausend) bestehen R\u00fcckdeckungsversicherungen. Diese wurden im Gesch\u00e4ftsjahr </span></div><div class=\"ps32272 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit in gleicher H\u00f6he gegen\u00fcberstehenden Anspr\u00fcchen saldiert. </span></div><div class=\"ps24930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Steuerr\u00fcckstellungen in H\u00f6he von \u20ac41.958 Tausend betreffen im Wesentlichen R\u00fcckstellungen f\u00fcr K\u00f6rperschaftsteuer aus </span></div><div class=\"ps24931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dem Jahr 2020 im Umfang von \u20ac 7.800 Tausend, \u20ac 1.800 Tausend aus dem Jahr 2022, \u20ac 7.300 Tausend f\u00fcr das Jahr 2023 und </span></div><div class=\"ps32273 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 8.400 Tausend f\u00fcr das Jahr 2024. Im Posten ebenfalls enthalten ist eine R\u00fcckstellung aufgrund des Mindestbesteuerungs-</span></div><div class=\"ps32274 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesetzes in H\u00f6he von \u20ac 15.155 Tausend. </span></div><div class=\"ps24934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der sonstigen R\u00fcckstellungen resultiert mit \u20ac 178.521 Tausend in erster Linie aus h\u00f6heren R\u00fcckstellungen f\u00fcr </span></div><div class=\"ps24935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozessrisiken, die als wesentliche Position Vorsorgen betreffend r\u00fcckgef\u00fchrter Fremdw\u00e4hrungskredite in Polen enth\u00e4lt (unter </span></div><div class=\"ps32275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der buchwertmindernd abgesetzten Vorsorgen f\u00fcr aktive Kredite sind die Vorsorgen f\u00fcr Fremdw\u00e4hrungs-</span></div><div class=\"ps32276 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kredite in Polen im Vorjahresvergleich in Summe gesunken:\u00a0 siehe dazu auch die nachstehenden Erl\u00e4uterungen). Einen R\u00fcckgang </span></div><div class=\"ps32277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber dem Vorjahr weisen die R\u00fcckstellungen f\u00fcr sonstige Aufwendungen auf, die sich um \u20ac 48.718 Tausend vermindert </span></div><div class=\"ps32278 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben. Zum Jahresultimo 2024 enthalten waren \u20ac 35.000 Tausend f\u00fcr einen zugesagten und im J\u00e4nner 2025 bezahlten </span></div><div class=\"ps32279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderruflichen Gesellschafterzuschuss an die Raiffeisen Digital Bank AG. </span></div><div class=\"ps24941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr im Rahmen funktionaler Einheiten bewertete Derivate, Ineffektivit\u00e4ten aus Bewertungseinheiten, nach dem Grundsatz der </span></div><div class=\"ps24942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelbewertung gef\u00fchrte Kreditderivate und f\u00fcr nicht gesettelte Fremdw\u00e4hrungsderivate in UAH bestehen zum 31.12.2025 </span></div><div class=\"ps24943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Drohverlustr\u00fcckstellungen in H\u00f6he von \u20ac 66.341 Tausend (31.12.2024: \u20ac 63.013 Tausend). </span></div><div class=\"ps32280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Prozessrisiko Fremdw\u00e4hrungskredite Polen<span id=\"i9a93fb30093b4897a26f739a7cdb4f8b\"></span></span></div><div class=\"ps32281 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Polen ist eine erhebliche Anzahl zivilrechtlicher Klagen hinsichtlich bestimmter vertraglicher Regelungen im Zusammenhang </span></div><div class=\"ps32282 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit Hypothekarkrediten an Konsumenten, die in Fremdw\u00e4hrungen denominiert oder an eine Fremdw\u00e4hrung gekoppelt sind, </span></div><div class=\"ps32283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anh\u00e4ngig. Zum 31. Dezember 2025 lag der Gesamtstreitwert dieser Verfahren bei rund PLN 8.926 Millionen (\u20ac 2.115 Millionen). Die </span></div><div class=\"ps32284 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anzahl der Klagen steigt weiter an.</span></div><div class=\"ps32285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang hat sich ein polnisches Gericht an den Gerichtshof der europ\u00e4ischen Union (EuGH) gewandt, um </span></div><div class=\"ps32286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kl\u00e4ren zu lassen, ob bestimmte Klauseln dieser Vertr\u00e4ge gegen europ\u00e4isches Recht versto\u00dfen und missbr\u00e4uchlich verwendet </span></div><div class=\"ps32287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden. Die im Oktober 2019 dazu in einem Vorabentscheidungsverfahren ergangene Entscheidung des EuGH (C-260/18) gibt </span></div><div class=\"ps32288 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">keine Antwort bez\u00fcglich einer g\u00e4nzlichen oder teilweisen Nichtigkeit der Kreditvertr\u00e4ge, sondern lediglich eine </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Orientierungshilfe f\u00fcr die Interpretation, nach welchen Grunds\u00e4tzen nationale Gerichte auf Einzelfallbasis zu entscheiden </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben. Demnach soll ein Kreditvertrag ohne missbr\u00e4uchliche Klauseln wirksam bleiben, solange dies mit nationalem Recht im </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einklang steht. Sofern der Kreditvertrag allerdings ohne die missbr\u00e4uchliche Klausel nicht mehr aufrechterhalten werden kann, </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde der Vertrag insgesamt unwirksam. Sollte die Unwirksamkeit des gesamten Kreditvertrags mit wesentlichen negativen </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsequenzen f\u00fcr den Kreditnehmer verbunden sein, so kann die missbr\u00e4uchliche Klausel von polnischen Gerichten im Einklang </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit nationalem Recht durch eine wirksame Klausel ersetzt werden. Die Konsequenzen einer Unwirksamkeit des Vertrags </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssen sorgf\u00e4ltig untersucht werden, sodass der Kreditnehmer alle potenziell negativen Folgen einer Unwirksamkeit bedenken </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kann. </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einem anderen Verfahren, in dem die RBI involviert ist, ersuchte das Bezirksgericht Warszawa-Wola in Warschau den EuGH </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um Vorabentscheidung \u00fcber die Ausgestaltung der vertraglichen Regelungen zur Bestimmung der An- und Verkaufskurse f\u00fcr </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Fremdw\u00e4hrung im Falle von Hypothekardarlehen f\u00fcr Verbraucher, die auf eine Fremdw\u00e4hrung indexiert sind. In der </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung vom 18. November 2021 in der Rechtssache C-212/20 vertrat der EuGH die Auffassung, dass der Inhalt einer <span class=\"f ps24\"> </span></span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klausel eines Darlehensvertrags, die die Ankaufs- und Verkaufskurse einer Fremdw\u00e4hrung festlegt, an die das Darlehen </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gebunden ist, einem einigerma\u00dfen gut informierten und aufmerksamen Verbraucher auf der Grundlage klarer und </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verst\u00e4ndlicher Kriterien erm\u00f6glichen muss, zu verstehen, wie der Wechselkurs der Fremdw\u00e4hrung festgelegt wird, der zur </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnung der H\u00f6he der R\u00fcckzahlungsraten verwendet wird. Aufgrund der in einer solchen Bestimmung angegebenen </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Information soll der Verbraucher in der Lage sein, jederzeit den vom Unternehmen angewendeten Wechselkurs selbst zu <span class=\"f ps24\"> </span></span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermitteln. In der Begr\u00fcndung f\u00fchrte der EuGH aus, dass eine Bestimmung, die es dem Verbraucher nicht erm\u00f6glicht, den </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wechselkurs selbst zu bestimmen, missbr\u00e4uchlich ist. Dar\u00fcber hinaus wies der EuGH darauf hin, dass das nationale Gericht, </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die betreffende Klausel eines Verbrauchervertrags missbr\u00e4uchlich ist, diese Klausel nicht auslegen darf, um ihre </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Missbr\u00e4uchlichkeit zu beheben, selbst wenn diese Auslegung dem gemeinsamen Willen der Vertragsparteien entspricht. Nur </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn die Ung\u00fcltigkeit der missbr\u00e4uchlichen Klausel das nationale Gericht zur Aufhebung des gesamten Vertrags verpflichten </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00fcrde, wodurch der Verbraucher besonders nachteiligen Folgen ausgesetzt w\u00e4re und damit bestraft w\u00fcrde, k\u00f6nnte das </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationale Gericht diese Klausel durch eine erg\u00e4nzende Bestimmung des nationalen Rechts ersetzen. Der EuGH hat es daher </span></div><div class=\"ps27711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nicht vollst\u00e4ndig ausgeschlossen, dass nationale Gerichte in solchen F\u00e4llen den Vertrag durch erg\u00e4nzende Vorschriften des </span></div><div class=\"ps27712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nationalen Rechts erg\u00e4nzen k\u00f6nnen, aber L\u00fccken d\u00fcrfen nicht allein durch nationale Vorschriften allgemeiner Natur gef\u00fcllt </span></div><div class=\"ps27713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, und ein solches Hilfsmittel darf nur in streng eingeschr\u00e4nkten F\u00e4llen, wie vom EuGH angegeben, angewendet werden. </span></div><div class=\"ps27714 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der Missbr\u00e4uchlichkeit von Vertragsbestimmungen sowie die Entscheidung \u00fcber die Vertragserg\u00e4nzung nach <span class=\"f ps24\"> </span></span></div><div class=\"ps27715 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beseitigung missbr\u00e4uchlicher Vertragsklauseln fallen jedoch weiterhin in die Zust\u00e4ndigkeit des nationalen Gerichts. Der EuGH </span></div><div class=\"ps32289 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat in keiner Weise entschieden, ob infolge der vorgenannten Aktionen der gesamte Fremdw\u00e4hrungsvertrag nichtig erkl\u00e4rt </span></div><div class=\"ps32290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden soll. </span></div><div class=\"ps27718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 15. Juni 2023 gab der EuGH sein Urteil in der Rechtssache C-520/21 zu den Folgen der Nichtigerkl\u00e4rung eines missbr\u00e4uchliche </span></div><div class=\"ps27719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln enthaltenden Hypothekendarlehensvertrags bekannt. Der an den CHF gekoppelte Hypothekendarlehensvertrag war </span></div><div class=\"ps27720 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit der Begr\u00fcndung f\u00fcr nichtig erkl\u00e4rt worden, dass die Umrechnungsklauseln zur Bestimmung des Wechselkurses in PLN f\u00fcr </span></div><div class=\"ps27721 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwecke der monatlichen Raten missbr\u00e4uchlich seien und dass der Darlehensvertrag nach Aufhebung der missbr\u00e4uchlichen </span></div><div class=\"ps27722 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klauseln nicht fortbestehen k\u00f6nne. Der EuGH stellte fest, dass das EU-Recht nicht ausdr\u00fccklich die Folgen der Nichtigerkl\u00e4rung </span></div><div class=\"ps27723 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eines Verbrauchervertrags regelt. Die Bestimmung dieser Folgen obliegt der nationalen Gesetzgebung in den einzelnen EU- </span></div><div class=\"ps27724 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedstaaten. Diese nationalen Rechtsvorschriften m\u00fcssen mit dem EU-Recht und den damit verfolgten Zielen vereinbar sein, </span></div><div class=\"ps27725 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere im Hinblick darauf, dass die Lage des Verbrauchers, in der er sich ohne den f\u00fcr nichtig erkl\u00e4rten Vertrag befunden </span></div><div class=\"ps27726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00e4tte, wiederhergestellt wird und dass der vom EU-Recht angestrebte Abschreckungseffekt nicht gef\u00e4hrdet wird. Nach den </span></div><div class=\"ps27727 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausf\u00fchrungen des EuGH steht EU-Recht dem nicht entgegen, dass die Verbraucher von der Bank einen Ausgleich verlangen </span></div><div class=\"ps27728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">d\u00fcrfen, der \u00fcber die Erstattung der gezahlten monatlichen Raten und der zur Erf\u00fcllung des Hypothekendarlehensvertrags </span></div><div class=\"ps27729 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gezahlten Kosten sowie die Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem Zeitpunkt der Zahlungsaufforderung </span></div><div class=\"ps27730 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinausgeht. Allerdings ist es Sache der nationalen Gerichte zu beurteilen, ob der Grundsatz der Verh\u00e4ltnism\u00e4\u00dfigkeit gewahrt <span class=\"f ps24\"> </span></span></div><div class=\"ps27731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, wenn solchen Forderungen des Verbrauchers stattgegeben wird. Im Gegensatz dazu steht EU-Recht dem entgegen, dass </span></div><div class=\"ps27732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Bank von dem Verbraucher einen Ausgleich verlangen darf, der \u00fcber die Erstattung des zur Erf\u00fcllung des </span></div><div class=\"ps32291 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags gezahlten Kapitals sowie der Zahlung von Verzugszinsen zum gesetzlichen Satz ab dem </span></div><div class=\"ps32292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zeitpunkt der Zahlungsaufforderung hinausgeht.</span></div><div class=\"ps24905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Konkretisierungen zu den Folgen der Nichtigerkl\u00e4rung eines mit missbr\u00e4uchlichen Klauseln behafteten Verbraucher-</span></div><div class=\"ps27733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekendarlehensvertrags hat der EuGH in seinen Urteilen in den Rechtssachen C-756/22 vom 11. Dezember 2023 und </span></div><div class=\"ps27734 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">C-488/23 vom 12. Januar 2024 und C-424/22 vom 8. Mai 2024 vorgenommen. An keinem dieser Verfahren war die RBI direkt </span></div><div class=\"ps27735 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beteiligt. In allen drei F\u00e4llen vertrat der EuGH die Auffassung, dass sich die von den vorlegenden Gerichten geforderte </span></div><div class=\"ps27736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegung des EU-Rechts eindeutig aus den fr\u00fcheren Urteilen, insbesondere aus dem im obigen Absatz ausf\u00fchrlich </span></div><div class=\"ps27737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschriebenen Urteil des EuGH in der Rechtssache C-520/21 vom 15. Juni 2023 ableiten l\u00e4sst. In der Rechtssache C-756/22 stellte </span></div><div class=\"ps27738 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der EuGH fest, dass die Bank nicht berechtigt ist, von einem Verbraucher die Zahlung von Betr\u00e4gen zu verlangen, die \u00fcber das in </span></div><div class=\"ps27739 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erf\u00fcllung des Darlehensvertrags gezahlte Kapital und die gesetzlichen Verzugszinsen ab dem Zeitpunkt der </span></div><div class=\"ps27740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsaufforderung hinausgehen, wenn ein Darlehensvertrag mit der Begr\u00fcndung nichtig erkl\u00e4rt wird, dass er </span></div><div class=\"ps27741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt, ohne die er nicht weiter fortbestehen kann. In der Rechtssache C-488/23 stellte der EuGH </span></div><div class=\"ps27742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fest, dass EU-Recht dem entgegensteht, dass Banken von einem Verbraucher \u2013 zus\u00e4tzlich zur Erstattung der zur </span></div><div class=\"ps27743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragserf\u00fcllung gezahlten Kapitalbetr\u00e4ge und der gesetzlichen Verzugszinsen ab dem Zeitpunkt der Zahlungsaufforderung \u2013 </span></div><div class=\"ps27744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen Ausgleich verlangen, der in einer gerichtlichen Anpassung der dem gezahlten Kapitalbetrag entsprechenden Leistung im </span></div><div class=\"ps27745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Falle einer wesentlichen \u00c4nderung der Kaufkraft der betreffenden W\u00e4hrung nach der Zahlung dieses Kapitals an den </span></div><div class=\"ps27746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betreffenden Verbraucher besteht. In der Rechtssache C-424/22 vom 8. Mai 2024 stellte der EuGH fest, dass die Bank nicht </span></div><div class=\"ps27747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">berechtigt ist ein Zur\u00fcckbehaltungsrecht geltend zu machen, wenn ein Kreditvertrag mit der Begr\u00fcndung nichtig wird, dass er </span></div><div class=\"ps27748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln enth\u00e4lt und die Bank daher zu R\u00fcckzahlungen an einen Verbraucher verpflichtet ist. Dies bedeutet, </span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dass die Bank eine derartige Zahlung nicht zur\u00fcckhalten darf, bis der Schuldner alle Betr\u00e4ge zur\u00fcckgezahlt hat, die er im </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kreditvertrags von der Bank erhalten hat. <span class=\"f ps24\"> </span></span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wie sich die zuvor genannten EuGH-Urteile auf die Entscheidungen polnischer Gerichte in einzelnen zivilrechtlichen Verfahren </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auswirken, kann aufgrund der Komplexit\u00e4t und Unterschiedlichkeit von fallspezifischen Faktoren und m\u00f6glicherweise </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlichen Zusammenh\u00e4ngen und rechtlichen Feinheiten nicht abschlie\u00dfend eingesch\u00e4tzt werden.</span></div><div class=\"ps2411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 25. April 2024 verabschiedete die gesamte Zivilkammer des polnischen Obersten Gerichts (das OG) einen Beschluss zu <span class=\"f ps24\"> </span></span></div><div class=\"ps2412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rechtlichen Fragen im Zusammenhang mit Darlehen, die an eine Fremdw\u00e4hrung gekoppelt oder in Fremdw\u00e4hrung denominiert </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind. Im Einklang mit den Urteilen des EuGH entschied das OG, dass, wenn eine Vertragsklausel, die sich auf einen </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Indexierungsmechanismus bezieht, als rechtswidrig und nicht bindend angesehen wird, sie nicht durch eine andere Methode zur </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmung des Wechselkurses ersetzt werden kann, die sich aus gesetzlichen Bestimmungen oder etablierten </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gepflogenheiten ergibt und dass der Darlehensvertrag im verbleibenden Umfang nicht bindend ist. Die Entscheidung dar\u00fcber, </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ob eine Vertragsklausel missbr\u00e4uchlich ist, obliegt dem Gericht, das mit dem Fall des konkreten Darlehensvertrags befasst ist. </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ist ein Darlehensvertrag aufgrund rechtswidriger Klauseln nicht bindend, haben beide Parteien einen gesonderten Anspruch auf </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung zu Unrecht geleisteter Zahlungen: die Bank auf R\u00fcckzahlung des Kapitals und der Kreditnehmer auf </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung von Zahlungen. Das OG fand keine Rechtfertigung f\u00fcr eine gegenseitige Beilegung der Anspr\u00fcche der Parteien </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch das Gericht w\u00e4hrend der Verhandlung des Falles. Die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank auf R\u00fcckzahlung der im </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rahmen des Kredits gezahlten Betr\u00e4ge beginnt grunds\u00e4tzlich mit dem Tag, der auf den Tag folgt, an dem der Kreditnehmer die </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bindende Wirkung des Kreditvertrags gegen\u00fcber der Bank angefochten hat. Der Beginn der Verj\u00e4hrungsfrist h\u00e4ngt somit vom </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verhalten des Verbrauchers ab und sollte daher f\u00fcr jeden Vertrag individuell gepr\u00fcft werden. Mit dieser Entscheidung wurde </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine fr\u00fchere Entscheidung des OG ge\u00e4ndert, die vorsah, dass die Verj\u00e4hrungsfrist f\u00fcr den Anspruch der Bank beginnt, nachdem </span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Verbraucher \u00fcber die m\u00f6glichen Folgen einer Ung\u00fcltigkeitserkl\u00e4rung des Kreditvertrags informiert wurde und der </span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbraucher einer solchen Ung\u00fcltigkeitserkl\u00e4rung zustimmt. Das OG schloss au\u00dferdem aus, dass eine Partei Zinsen oder eine </span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">andere Verg\u00fctung f\u00fcr die Verwendung ihrer Mittel in der Zeit zwischen der ungerechtfertigten Zahlung und der Verz\u00f6gerung bei </span></div><div class=\"ps12694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckerstattung der Zahlung verlangen kann. Obwohl der Beschluss gefasst wurde, um die aufkommenden </span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslegungsfragen im Zusammenhang mit Streitigkeiten \u00fcber Kredite in Schweizer Franken zu kl\u00e4ren, sind die daraus </span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">resultierenden Schlussfolgerungen auch auf Kredite in anderen W\u00e4hrungen, einschlie\u00dflich Kredite in Euro, anwendbar.</span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der obige Beschluss des OG in Verbindung mit dem fr\u00fcheren EuGH-Urteil bedeutet, dass in Polen t\u00e4tige Banken die </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fremdw\u00e4hrungsportfolien halten, darunter auch RBI, keine zus\u00e4tzliche Verg\u00fctung und/oder Valorisierung im Zusammenhang </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit derartigen nichtig erkl\u00e4rten Vertr\u00e4gen, wie oben dargelegt, fordern k\u00f6nnen. Banken sollen lediglich die M\u00f6glichkeit haben, </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die R\u00fcckzahlung des dem Kunden bei Kreditvergabe bereitgestellten Kapitals einzufordern. Dies ber\u00fchrt nicht die M\u00f6glichkeit, </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Zahlung von Verzugszinsen zu verlangen, sofern die Voraussetzungen hierf\u00fcr erf\u00fcllt sind. Was die Forderung der Banken auf </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlung des Kapitals betrifft, k\u00f6nnten die im Beschluss des OG enthaltenen Leitlinien und die derzeitige Praxis durch das </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unten angef\u00fchrte Urteil des EuGH vom 19. Juni 2025 beeinflusst werden.</span></div><div class=\"ps23987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 19. Juni 2025 erlie\u00df der EuGH ein weiteres Urteil in der Rechtssache C-396/24. Darin stellte er fest, dass die Richtlinie 93/13/</span></div><div class=\"ps27814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EWG \u00fcber missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen Banken daran hindert, die vollst\u00e4ndige R\u00fcckzahlung des </span></div><div class=\"ps27815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezahlten Nominalbetrags eines f\u00fcr nichtig erkl\u00e4rten Kreditvertrags zu verlangen, ohne vorherige R\u00fcckzahlungen des </span></div><div class=\"ps2440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchers zu ber\u00fccksichtigen (Aufrechnungstheorie). Dieses Urteil k\u00f6nnte die aktuelle Rechtsprechung polnischer Gerichte </span></div><div class=\"ps2441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beeinflussen, die gem\u00e4\u00df dem Beschluss des Obersten Gerichtshofs Polens vom 25. April 2024 (wie oben ausf\u00fchrlich beschrieben) </span></div><div class=\"ps2442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Theorie der \u201ezwei Forderungen\u201c anwendet. Danach k\u00f6nnen Banken die vollst\u00e4ndige R\u00fcckzahlung der im Rahmen eines f\u00fcr </span></div><div class=\"ps2444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nichtig erkl\u00e4rten Vertrags gezahlten Betr\u00e4ge verlangen, unabh\u00e4ngig von den geleisteten R\u00fcckzahlungen und dem </span></div><div class=\"ps28023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbleibenden geschuldeten Restbetrag. Diese Theorie diente auch als Grundlage f\u00fcr Banken, die ehemalige Kreditnehmer </span></div><div class=\"ps28024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">klagen um die Kapitalr\u00fcckzahlung zu sichern. Dar\u00fcber hinaus verbietet das Urteil die sofortige Vollstreckbarkeit von </span></div><div class=\"ps28025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen zugunsten von Banken, sofern kein angemessener Verbraucherschutz besteht. Die m\u00f6glichen Auswirkungen </span></div><div class=\"ps28026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf die polnische Rechtsprechung bleiben ungewiss. M\u00f6gliche Resultate reichen von der Annahme einer Aufrechnungstheorie </span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bis hin zur Beibehaltung bestehender Rechtsrahmen, da die Interpretation dieses EuGH-Urteils durch die Gerichte </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlich ausfallen kann.</span></div><div class=\"ps2451 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 27. November 2025 erlie\u00df der EuGH ein Urteil in der Rechtssache C-746/24, mit dem nationale verfahrensrechtliche Regeln </span></div><div class=\"ps2452 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgeschlossen werden, die Verbraucher:innen, die sich gegen von Banken eingeleitete Restitutionsanspr\u00fcche auf Kapital </span></div><div class=\"ps2453 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verteidigen, unverh\u00e4ltnism\u00e4\u00dfig h\u00f6here Gerichtskosten auferlegen als jene Kosten, die bei von Verbrauchern selbst gef\u00fchrten </span></div><div class=\"ps2454 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen auf Aufhebung des Vertrags entstehen. Es wurde festgestellt, dass eine solche Diskrepanz bei den Rechtskosten die </span></div><div class=\"ps2455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abschreckende Wirkung der Richtlinie 93/13/EWG untergr\u00e4bt und Verbraucher davon abhalten kann, ihre Rechte im Rahmen des </span></div><div class=\"ps2456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schutzes gegen missbr\u00e4uchliche Vertragsbedingungen auszu\u00fcben. Das polnische Zivilprozessrecht sieht eine Begrenzung der </span></div><div class=\"ps27627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6chstbetr\u00e4ge von Gerichtsgeb\u00fchren f\u00fcr von Verbrauchern eingeleitete Klagen im Zusammenhang mit Bankgesch\u00e4ften vor. </span></div><div class=\"ps32293 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umgekehrt kann eine Bank, die ein Gerichtsverfahren gegen einen Verbraucher einleitet, nicht von einer solchen </span></div><div class=\"ps32294 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorzugsbehandlung profitieren und muss die Gerichtskosten nach allgemeinen Regeln tragen, was f\u00fcr das Finanzinstitut zu <span class=\"f ps24\"> </span></span></div><div class=\"ps32295 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">deutlich h\u00f6heren anf\u00e4nglichen Kosten f\u00fchrt. Ungeachtet des Urteils des EuGH behalten die polnischen Gerichte die Befugnis, </span></div><div class=\"ps32296 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifische nationale Verfahrensvorschriften zur Festlegung der endg\u00fcltigen Kostenverteilung heranzuziehen, wobei es den </span></div><div class=\"ps32297 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten gestattet ist, von den allgemeinen Grunds\u00e4tzen der Kostenteilung auf der Grundlage des Billigkeitsgrundsatzes oder </span></div><div class=\"ps32298 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des konkreten Verhaltens der Parteien abzuweichen. Folglich h\u00e4ngt die endg\u00fcltige Auswirkung des Urteils auf die Prozesskosten </span></div><div class=\"ps15271 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI von der Ermessensentscheidung der nationalen Gerichte im Einzelfall ab. Die RBI beobachtet weiterhin die juristischen </span></div><div class=\"ps27774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklungen und kann ihre R\u00fcckstellungen f\u00fcr rechtliche Risiken und ihre Verfahrensstrategien anpassen, um potenzielle </span></div><div class=\"ps27775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">negative finanzielle Auswirkungen aufgrund dieser Rechtsprechung abzumildern.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Polnische ordentliche Gerichte haben dem EuGH mehrere weitere Fragen zur Auslegung der Richtlinie 93/13/EWG \u00fcber </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">missbr\u00e4uchliche Klauseln in Verbrauchervertr\u00e4gen im Zusammenhang mit Fremdw\u00e4hrungsdarlehen vorgelegt. Zu den Fragen </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geh\u00f6ren unter anderem die Rechtm\u00e4\u00dfigkeit der Verpflichtung von Verbrauchern zur Zahlung von Rechtskosten, die </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterbrechung der Verj\u00e4hrungsfristen f\u00fcr Forderungen der Banken, die Behandlung verj\u00e4hrter Anspr\u00fcche, die </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufrechnungsrechte von Banken, die Erstattung von Versicherungskosten und die G\u00fcltigkeit von Vertragsanh\u00e4ngen. Ziel dieser </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfragen ist es, die Vereinbarkeit nationaler Gesetze mit den EU-Verbraucherschutzstandards zu kl\u00e4ren. </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die seit 2020 eingegangen Klagen wurden haupts\u00e4chlich durch die Entscheidung des EuGH in der Rechtssache C-260/18 und die </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gestiegenen Marketingaktivit\u00e4ten von Anwaltskanzleien, die f\u00fcr Kreditnehmer t\u00e4tig sind, hervorgerufen. Im Jahr 2025 </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verzeichnete die polnische Filiale 4.334 neue Klagen (Vorjahr: 6.150 neue Klagen), in der Berichtsperiode wurden durchschnittlich <span class=\"f ps24\"> </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">361 neue Klagen pro Monat (davon 268 Klagen f\u00fcr Schweizer Franken-Kredite und 93 Klagen f\u00fcr Euro-Kredite) eingebracht. Der </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eingang neuer F\u00e4lle k\u00f6nnte aufgrund der steigenden Zahl von Vergleichen zwischen der polnischen Filiale der RBI und </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditnehmern sowie der Tatsache, dass ein erheblicher Teil der Kreditportfolios bereits Gegenstand laufender </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten ist, was den potenziellen Zufluss neuer Anspr\u00fcche naturgem\u00e4\u00df einschr\u00e4nkt, weiter zur\u00fcckgehen.</span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus haben sich polnische Gerichte mit weiteren Vorabentscheidungsersuchen in anderen zivilrechtlichen Verfahren </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an den EuGH gewandt. Diese Entscheidungen k\u00f6nnten zu weiteren Klarstellungen durch den EuGH f\u00fchren und einen Einfluss </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">darauf haben, wie gerichtsanh\u00e4ngige Verfahren im Zusammenhang mit Fremdw\u00e4hrungskrediten von nationalen polnischen </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichten entschieden werden.</span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Folgenabsch\u00e4tzung f\u00fcr Kreditvertr\u00e4ge, die an eine Fremdw\u00e4hrung gekoppelt sind oder auf eine Fremdw\u00e4hrung lauten, kann </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch von dem Ergebnis eines laufenden verwaltungsgerichtlichen Verfahrens aufgrund eines Rechtsmittels der polnischen </span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Filiale der RBI gegen eine Entscheidung des Pr\u00e4sidenten des Amts f\u00fcr Wettbewerb und Verbraucherschutz (UOKiK) beeinflusst </span></div><div class=\"ps2424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. In der angefochtenen Entscheidung wurde behauptet, dass die polnische Niederlassung der RBI an Praktiken beteiligt </span></div><div class=\"ps2425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">war, die kollektive Verbraucherinteressen verletzten. Dies f\u00fchrte zu einer Verwaltungsstrafe gegen die polnische Filiale sowie </span></div><div class=\"ps2426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur Verpflichtung, den Kreditnehmern Informationen \u00fcber den Versto\u00df zur Verf\u00fcgung zu stellen, falls die </span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsentscheidung rechtskr\u00e4ftig wird. Im Juni 2025 wies das Gericht f\u00fcr Wettbewerbs- und Verbraucherschutz (SOKIK) </span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Beschwerde der RBI gegen die Entscheidung vollst\u00e4ndig ab. Im August 2025 hat die RBI gegen dieses Urteil Berufung beim </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsgericht in Warschau eingelegt.</span></div><div class=\"ps27780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus leitete der polnische Finanz-Ombudsmann, der im Namen von zwei Kreditnehmern handelte, ein Zivilverfahren </span></div><div class=\"ps27781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI ein, in dem die Anwendung unlauterer Gesch\u00e4ftspraktiken gegen\u00fcber Verbrauchern in einem Fall behauptet wird, </span></div><div class=\"ps27782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in dem die RBI \u2013 nach Aufhebung eines Kreditvertrags \u2013 den vollen urspr\u00fcnglich ausgegebenen Kreditbetrag ohne </span></div><div class=\"ps27783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischenzeitlich geleistete R\u00fcckzahlungen sowie f\u00fcr die Verwendung von Kapital durch die Kreditnehmer f\u00e4llige Betr\u00e4ge, </span></div><div class=\"ps27812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund des Grundsatzes der ungerechtfertigten Bereicherung eingefordert hatte und verlangt, diese Praxis einzustellen. Im </span></div><div class=\"ps27813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mai 2023 wurde die Klage des Finanz-Ombudsmanns in erster Instanz abgewiesen. Der Finanz-Ombudsmann legte gegen </span></div><div class=\"ps23986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieses Urteil Berufung ein, die der RBI zugestellt wurde und die diese ordnungsgem\u00e4\u00df beantwortete. </span></div><div class=\"ps27787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI ist zudem Kl\u00e4gerin in einer Anzahl laufender Zivilprozesse im Zusammenhang mit bereits beendeten <span class=\"f ps24\"> </span></span></div><div class=\"ps27788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hypothekarkrediten, die in Schweizer Franken oder Euro denominiert oder an diese W\u00e4hrungen gekoppelt waren. Der </span></div><div class=\"ps32299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtstreitwert belief sich zum 31. Dezember 2025 auf rund PLN 298,5 Millionen (\u20ac 71 Millionen). Die Anspr\u00fcche der RBI </span></div><div class=\"ps27816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beziehen sich auf Kapital und Zinsen, die aufgrund rechtlicher Einw\u00e4nde nicht gezahlt wurden. Die Klagen werden auf </span></div><div class=\"ps27624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertraglicher Grundlage oder auf der Grundlage ungerechtfertigter Bereicherung erhoben.</span></div><div class=\"ps27792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI eine Reihe von Gerichtsverfahren aufgrund von Gegenforderungen auf R\u00fcckzahlung des Kapitals </span></div><div class=\"ps27793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen Kreditnehmer eingeleitet, falls diese die G\u00fcltigkeit des Fremdw\u00e4hrungshypothekarkredits gegen\u00fcber der RBI anfechten. </span></div><div class=\"ps27794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Einreichung der Klagen dient der Sicherung der Anspr\u00fcche der RBI und soll deren Verj\u00e4hrung verhindern. Zum 31. Dezember </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 belief sich der Gesamtstreitwert dieser Verfahren auf PLN 2.662 Millionen (\u20ac 631 Millionen). Die Entscheidung \u00fcber die </span></div><div class=\"ps27817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einreichung solcher Klagen wird in den kommenden Jahren von der endg\u00fcltigen Auswirkung des oben beschriebenen EuGH-</span></div><div class=\"ps27818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Urteils in der Rechtssache C-746/24, von der Entwicklung der nationalen Rechtsprechung und m\u00f6glichen Gesetzesinitiativen </span></div><div class=\"ps27819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abh\u00e4ngen. </span></div><div class=\"ps32300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Themen der polnischen Gesetzgebung</span></div><div class=\"ps27800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende September 2025 verabschiedete die polnische Regierung einen Gesetzesentwurf zur Einf\u00fchrung besonderer Verfahren f\u00fcr </span></div><div class=\"ps27801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilrechtssachen im Zusammenhang mit Krediten, die in Schweizer Franken (CHF) denominiert oder an diesen gekoppelt sind. </span></div><div class=\"ps27802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anfang Oktober 2025 wurde der Entwurf dem Sejm (dem Unterhaus des polnischen Parlaments) vorgelegt, um das </span></div><div class=\"ps27803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesetzgebungsverfahren einzuleiten. Hauptziel des Gesetzesentwurfs ist es, Rechtsstreitigkeiten im Zusammenhang mit CHF-</span></div><div class=\"ps27804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Krediten zu beschleunigen, die Belastung der Gerichte zu verringern und den Verbraucherschutz im Einklang mit der </span></div><div class=\"ps27805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung des Gerichtshofs der Europ\u00e4ischen Union zu st\u00e4rken. In der vorliegenden Fassung w\u00fcrde das Gesetz f\u00fcr </span></div><div class=\"ps27806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zivilverfahren zwischen Verbrauchern und Banken gelten, die Kredite in CHF oder an diesen gekoppelte Kredite betreffen, </span></div><div class=\"ps27807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich jener Kredite, die per Annex in CHF-denominierte oder an diesen indexierte Vertr\u00e4ge umgewandelt wurden. </span></div><div class=\"ps32301 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kredite in anderen W\u00e4hrungen (insbesondere EUR) oder an diese gekoppelte Kredite w\u00fcrden nicht unter den </span></div><div class=\"ps32302 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anwendungsbereich des Gesetzes fallen. Insgesamt st\u00e4rkt das vorgeschlagene Rahmenwerk die Rechtsposition von </span></div><div class=\"ps32303 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrauchern in Rechtsstreitigkeiten gegen Banken erheblich.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit der Zustellung der Klage oder Widerklage des Verbrauchers an die Bank werden die Kreditr\u00fcckzahlungen automatisch und </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kraft Gesetzes ausgesetzt, bis das entsprechende Gerichtsverfahren rechtskr\u00e4ftig abgeschlossen ist. Die Aussetzung der </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen des Kreditnehmers stellt keinen Verzug oder eine nicht ordnungsgem\u00e4\u00dfe Erf\u00fcllung des </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvertrags dar und darf nicht an ein Kredit- oder Schuldnerregister gemeldet werden. Zudem sind alle Eintr\u00e4ge in diese </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Register, die vor der Zustellung der Klage oder Widerklage an die Bank erfolgt sind, zu l\u00f6schen. In F\u00e4llen, in denen die Klage oder </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Widerklage des Verbrauchers vor Inkrafttreten des Gesetzes an die Bank zugestellt wurde, tritt die Aussetzung der </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckzahlungsverpflichtungen mit dem Inkrafttreten des Gesetzes in Kraft. Ab diesem Datum werden daher die R\u00fcckzahlungen </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aller betroffenen Kreditvertr\u00e4ge automatisch kraft Gesetzes ausgesetzt, was m\u00f6glicherweise zu einer weiteren Verringerung </span></div><div class=\"ps3802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Mittelzufl\u00fcsse aus dem CHF-Kreditportfolio f\u00fchrt. Ungeachtet dessen bleibt die Bank weiterhin verpflichtet, Zahlungen </span></div><div class=\"ps3803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anzunehmen, wenn der vom Kreditnehmer zur\u00fcckgezahlte Gesamtbetrag unter dem ausgezahlten Gesamtkreditbetrag liegt. </span></div><div class=\"ps3804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlich ist, dass Verbraucher keine individuellen Antr\u00e4ge auf Aussetzung der R\u00fcckzahlung stellen m\u00fcssen und Gerichte keine </span></div><div class=\"ps3805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen \u00fcber einstweilige Ma\u00dfnahmen oder damit verbundene Rechtsmittel mehr erlassen oder \u00fcberpr\u00fcfen m\u00fcssen.</span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Entwurf vorgeschlagenen prozessualen Ma\u00dfnahmen zielen darauf ab, die Verfahrensbearbeitung zu vereinfachen. So </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen Rechtssachen trotz Antrags einer Partei auf \u00f6ffentliche Anh\u00f6rung unter Ausschluss der \u00d6ffentlichkeit verhandelt </span></div><div class=\"ps3808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, Parteien k\u00f6nnen Aussagen schriftlich einreichen und die Einvernahme von Zeugen kann mittels technischer Hilfsmittel </span></div><div class=\"ps23979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgen, auch wenn sich eine Partei dagegen ausspricht. Dar\u00fcber hinaus wurde bei Gericht ein vereinfachter Prozess zur </span></div><div class=\"ps23980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beendigung von Verfahren nach freiwilliger Zur\u00fccknahme der Klage oder Berufung eingef\u00fchrt. Um eine Einigung und </span></div><div class=\"ps23981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gemeinsame Abstimmung zu erleichtern, erm\u00f6glicht der Entwurf dem Beklagten, bis zum Ende der Verhandlung vor dem </span></div><div class=\"ps23982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gericht zweiter Instanz oder \u2013 falls der Fall unter Ausschluss der \u00d6ffentlichkeit verhandelt wird \u2013 bis zur Verk\u00fcndung des Urteils </span></div><div class=\"ps23983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Gerichts zweiter Instanz eine Aufrechnungseinrede zu erheben. Ebenso kann eine Widerklage bis zum Abschluss der </span></div><div class=\"ps23984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Verhandlung oder \u2013 bei Verhandlung unter Ausschluss der \u00d6ffentlichkeit \u2013 bis zur Verk\u00fcndung des </span></div><div class=\"ps23985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erstinstanzlichen Urteils eingebracht werden. Der Gesetzentwurf bietet zudem Anreize f\u00fcr eine g\u00fctliche Streitbeilegung, indem </span></div><div class=\"ps27709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">er vorsieht, dass bei R\u00fccknahme einer Klage, einer Berufung oder einer Kassationsbeschwerde innerhalb von sechs Monaten </span></div><div class=\"ps27710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nach Inkrafttreten des Gesetzes die H\u00e4lfte der Gerichtskosten erstattet wird. Der Gesetzesentwurf sieht zudem </span></div><div class=\"ps27711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einschr\u00e4nkungen f\u00fcr die Befugnis des Obersten Gerichtshofs vor, Kassationsbeschwerden in F\u00e4llen zu verhandeln, die Kredite </span></div><div class=\"ps27712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit CHF-Bezug betreffen.</span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Gesetz soll 14 Tage nach seiner Ver\u00f6ffentlichung im offiziellen Gesetzblatt in Kraft treten. Die verk\u00fcrzte Legisvakanz </span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(vacatio legis) unterstreicht die Dringlichkeit der Ma\u00dfnahme und k\u00f6nnte den Bankensektor bei der Umsetzung der </span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmungen vor erhebliche Herausforderungen stellen. Neben den finanziellen Auswirkungen (geringere Mittelzufl\u00fcsse aus </span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der R\u00fcckzahlung strittiger Kredite) k\u00f6nnten die vorgeschlagenen Regelungen auch die Beilegung von Gerichtsverfahren </span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen und damit den Mittelabfluss aus Banken aufgrund der Notwendigkeit, rechtskr\u00e4ftige Urteile umzusetzen, </span></div><div class=\"ps27718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschleunigen. Sie k\u00f6nnten auch Verbraucher, die noch keine Anspr\u00fcche gegen Banken geltend gemacht haben, dazu </span></div><div class=\"ps27719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermutigen, Klage einzureichen.</span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Finanzielle Auswirkungen</span></div><div class=\"ps27814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AGhat f\u00fcr die in Polen eingebrachten und erwarteten Klagen f\u00fcr Schweizer-Franken- und Euro-Kredite inklusive </span></div><div class=\"ps27815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verzugszinsen, die an Kunden zu zahlen sein werden, vorgesorgt. Da Klagen von einer Reihe von Kunden eingebracht wurden, </span></div><div class=\"ps2440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basiert diese Vorsorge auf einem statistischen Ansatz, der sowohl statistische Daten, soweit diese relevant sind, als auch </span></div><div class=\"ps2441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen ber\u00fccksichtigt.</span></div><div class=\"ps27625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG hat ein Portfolio von rund 17,2 Tausend aktiven CHF-Darlehen mit einer Gesamtaushaftung von knapp \u20ac 1,3 Milliarden </span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und rund 10,1 Tausend CHF-Darlehen, die bereits getilgt wurden. Dies beinhaltet auch Darlehen, von welchen nicht erwartet </span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird, dass sie Gegenstand von Rechtsstreitigkeiten werden. Zus\u00e4tzlich hat die RBI AG rund 8,7 Tausend in Euro vergebene </span></div><div class=\"ps2446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Darlehen mit einem Volumen von rund \u20ac 360 Millionen ausstehend. Rund 9,3 Tausend weitere in Euro vergebene Darlehen </span></div><div class=\"ps2447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden bereits zur\u00fcckbezahlt. </span></div><div class=\"ps27818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sich daraus ergebende Vorsorge betr\u00e4gt \u20ac\u00a01.956 Millionen (Vorjahr: \u20ac\u00a02.071 Millionen), davon \u20ac 1.774 f\u00fcr Schweizer-Franken- </span></div><div class=\"ps27819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und \u20ac 182 Millionen f\u00fcr Euro-Kredite. Zum Bilanzstichtag 31.12.2025 weist die RBI AG R\u00fcckstellungen f\u00fcr r\u00fcckgef\u00fchrte Kredite in </span></div><div class=\"ps27820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">H\u00f6he von \u20ac 1.269 Millionen (Vorjahr: \u20ac 1.060 Millionen) aus, welche in nachfolgender Tabelle zu den sonstigen R\u00fcckstellungen im </span></div><div class=\"ps27821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Posten Prozessrisiken enthalten sind. Dar\u00fcber hinaus werden zum Bilanzstichtag 31.12.2025 buchwertmindernde Vorsorgen f\u00fcr </span></div><div class=\"ps32304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aktive Kredite in H\u00f6he von \u20ac 687 Millionen (Vorjahr: 1.011 Millionen) ber\u00fccksichtigt.</span></div><div class=\"ps27823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Gesamth\u00f6he des vorgesorgten Betrags stellt die bestm\u00f6gliche Sch\u00e4tzung des zuk\u00fcnftigen Abflusses von wirtschaftlichem </span></div><div class=\"ps27824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzen dar. Bei der Berechnung der Vorsorge f\u00fcr in Polen eingereichte Klagen ist es notwendig, sich eine Meinung zu </span></div><div class=\"ps27825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachverhalten zu bilden, die grunds\u00e4tzlich ungewiss sind, wie beispielsweise regulatorische Verlautbarungen, die Anzahl </span></div><div class=\"ps27826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftiger Klagen, der Umfang, in dem diese aufrechterhalten werden, und die Auswirkungen von Rechtsentscheidungen, die </span></div><div class=\"ps27827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr eingegangene Klagen relevant sein k\u00f6nnen.</span></div><div class=\"ps27807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es verbleiben somit eine Reihe von Risiken und Ungewissheiten. Folglich k\u00f6nnten die tats\u00e4chlichen Kosten von den Sch\u00e4tzungen </span></div><div class=\"ps32301 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI AG und den ihnen zugrunde liegenden Annahmen abweichen. Dies k\u00f6nnte dazu f\u00fchren, dass eine weitere Vorsorge </span></div><div class=\"ps32302 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erforderlich wird. Die wesentlichen, quantifizierbaren Unsicherheiten in Bezug auf die Berechnung der Vorsorge beziehen sich </span></div><div class=\"ps32303 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf eine potenzielle Reduzierung der Diskontierungsperiode, einen R\u00fcckgang der Abzinsungsrate, einen Anstieg der erwarteten </span></div><div class=\"ps32305 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen f\u00fcr ausstehende und getilgte Kredite, einer Erh\u00f6hung des durchschnittlichen Verlusts pro Kreditfall f\u00fcr ausstehende und </span></div><div class=\"ps32306 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getilgte Kredite sowie auf die Erfolgsquote au\u00dfergerichtlicher Einigungen.</span></div></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Sensitivit\u00e4tsanalyse</span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Gesch\u00e4ftsjahr verfeinerte Sensitivit\u00e4tsanalyse f\u00fcr potenzielle \u00c4nderungen der verwendeten Parameter \u00fcber die </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">n\u00e4chsten 12 Monate, w\u00e4hrend alle anderen Parameter konstant gehalten werden, ist in den folgenden beiden Tabellen </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getrennt nach CHF- und EUR-Kredite dargestellt:</span></div><div class=\"ps27875 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Vorsorge in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22055\">1.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (Vorsorge im <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Aktivbestand)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps26881\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps26650\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (Vorsorge im <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Aktivbestand)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24278\"></span><span class=\"ps24278\">1,1 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27843\"></span><span class=\"ps27843\">0,8 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27845\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23810\"></span><span class=\"ps23810\">95 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25330\"></span><span class=\"ps25330\">96 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19921\"></span><span class=\"ps19921\">145 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19934\"></span><span class=\"ps19934\">146 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (R\u00fcckstellungen)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20867\"></span><span class=\"ps20867\">43 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27862\"></span><span class=\"ps27862\">44 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27864\">3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1574 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Anzahl an erwarteten zuk\u00fcnftigen <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Vergleichen</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27867 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27866\">2.497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27869 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27868\">- 10.0%<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27870 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps21504\">2.247<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27871 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Increase of settlement offer for customers (in % of loss <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">in case of annulment)</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27872 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24264\"></span><span class=\"ps24264\">79 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23543 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps21445\">+ 5.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17570 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27874 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27834\">11<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32308 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Vorsorge in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:54.89pt\"></span></span><span class=\"ps32307\">182<span style=\"display:inline-block;height:4.56pt;width:6.14pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (Vorsorge im <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Aktivbestand)</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps17463\">-1.0Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1884 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode (R\u00fcckstellung)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27836 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps26881\">20 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27837 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps8832\">-6 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27838 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps26650\">14 Monate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27878\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (Vorsorge im <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Aktivbestand)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps13629\"></span><span class=\"ps13629\">6,0 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20156\">- 0.3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27879\"></span><span class=\"ps27879\">5,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27881\"></span><span class=\"ps27881\">52 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">93 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24321\"></span><span class=\"ps24321\">94 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1547 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27857 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27856\"></span><span class=\"ps27856\">3,7 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23521 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps1241\">- 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27858 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">2,7 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27859 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1561 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27860 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24456\"></span><span class=\"ps24456\">15 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27861 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20212\">+ 1.0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27863 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27884\"></span><span class=\"ps27884\">16 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27865 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32309 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Annahmen basieren auf internen Statistiken sowie auf Marktdaten. Der Anstieg der R\u00fcckstellung ist linear f\u00fcr alle </span></div><div class=\"ps32310 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anpassungen, mit der Ausnahme von Anpassungen der Abzinsungsrate, die logarithmisch ansteigt. Des Weiteren ber\u00fccksichtigt </span></div><div class=\"ps32311 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Modell keine unerwarteten Entwicklungen in der Rechtsprechung.</span></div><div class=\"ps32312 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr das Gesch\u00e4ftsjahr 2025 wurde die Sensitivit\u00e4tsanalyse etwas erweitert. Zum einen wurde bei der Sensitivit\u00e4t der </span></div><div class=\"ps32313 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsperiode zwischen der Vorsorge im Aktivbestand und der R\u00fcckstellung aufgrund der unterschiedlichen </span></div><div class=\"ps32314 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abzinsungsdauer unterschieden. Zum anderen wurde das CHF-Portfolio um neue Sensitivit\u00e4ten im Zusammenhang mit den </span></div><div class=\"ps32315 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleichsangeboten erg\u00e4nzt, da diesen im Jahr 2025 zahlenm\u00e4\u00dfig eine h\u00f6here Bedeutung zukam. F\u00fcr den Vergleichszeitraum </span></div><div class=\"ps13751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 wurden diese neuen Sensitivit\u00e4ten nicht ermittelt. </span></div><div class=\"ps32316 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">CHF-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Vorsorge in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27893\">1.965<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25180\">27<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (Vorsorge im <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Aktivbestand)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21946\"></span><span class=\"ps21946\">2,3 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21958\"></span><span class=\"ps21958\">2,0 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27877\">8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20784\"></span><span class=\"ps20784\">91,5 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27900\"></span><span class=\"ps27900\">92,5 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27850\">12<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26820\"></span><span class=\"ps26820\">117 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27904\"></span><span class=\"ps27904\">118 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27906\">10<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (R\u00fcckstellungen)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27854\">9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28317 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">53 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28320 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27912\"></span><span class=\"ps27912\">54 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28321 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27914\">4<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss103 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td><td style=\"padding:0;width:72.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss120\"><div><div class=\"ps5427 ss117\"><span class=\"f charStyle-1dbd4d87 ps30\">EUR-Portfolio 2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13378 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27828\">Aktueller Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4374 ss1481\"><div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps18487\">Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16867 ss1481\"><div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps12843\">Neuer Parameter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11179 ss1481\"><div><div class=\"ps5430 ss1480\"><span class=\"f charStyle-1dbd4d87 ps11819\">Erh\u00f6hung/R\u00fcckgang <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss1480\"><span class=\"f charStyle-1dbd4d87 ps27829\">R\u00fcckstellung (in \u20ac <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss1480\"><span class=\"f charStyle-1dbd4d87 ps20175\">Millionen)</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5382 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Vorsorge in \u20ac Millionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27830 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps25287\">106<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Reduktion der Abzinsungsperiode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27831 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20083\">3,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27832 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps3128\">- 1,0 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27833 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps20130\">2,5 Jahre<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27835 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27839\">7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4812 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (Vorsorge im <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Aktivbestand)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27894 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps24149\"></span><span class=\"ps24149\">7,2 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27895 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps1202\">-0,3 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27896 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21519\"></span><span class=\"ps21519\">6,9 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27897 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1901 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr ausst\u00e4ndige <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27841 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps23527\"></span><span class=\"ps23527\">32,9 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27842 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27844 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27917\"></span><span class=\"ps27917\">33,9 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27846 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss1483\"><div><div class=\"ps1485 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg des durchschnittlichen Verlustes f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">ausst\u00e4ndige Kredite</span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27847 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27918\"></span><span class=\"ps27918\">83 %</span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27848 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27849 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27873\"></span><span class=\"ps27873\">84 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27851 ss1484\"><div><div class=\"ps516 ss1480\"><span class=\"f charStyle-375ad3a6 ps27883\">2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fcckgang der Abzinsungsrate (R\u00fcckstellungen)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27852 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25369\"></span><span class=\"ps25369\">5,3 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17389 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps22206\">-1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27853 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26812\"></span><span class=\"ps26812\">4,3 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps27855 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss118\"><div><div class=\"ps31 ss117\"><span class=\"f charStyle-375ad3a6 ps30\">Anstieg der Bereitschaft zu Klagen f\u00fcr getilgte Kredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28317 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27882\"></span><span class=\"ps27882\">35 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17395 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27898\">+1,0 PP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28320 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22066\"></span><span class=\"ps22066\">36 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28321 ss1482\"><div><div class=\"ps31 ss1480\"><span class=\"f charStyle-375ad3a6 ps27880\">1<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32317 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-283ba53a ps17\">Vergleichsprogramm </span></div><div class=\"ps32318 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereits 2023 wurde ein au\u00dfergerichtliches Vergleichsprogramm basierend auf dem Mustervorschlag des Vorsitzenden der </span></div><div class=\"ps32319 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">polnischen Finanzaufsichtsbeh\u00f6rde gestartet. Das prim\u00e4re Ziel des Vergleichsprogramms ist die Limitierung der erwarteten </span></div><div class=\"ps32320 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verluste, die aus der aktuellen negativen Rechtsprechung resultieren, die meisten Hypothekarkredite g\u00e4nzlich zu annullieren. </span></div><div class=\"ps32321 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund einer verhaltenen Resonanz der Kund:innen auf dieses Programm wurde im Jahr 2024 ein verbessertes Modell zum </span></div><div class=\"ps32322 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweck einer h\u00f6heren Akzeptanz entwickelt. Im Gegensatz zu einer Neuberechnung des ausgegeben Kreditvertrags mit </span></div><div class=\"ps32323 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angepassten Parametern orientiert sich das \u00fcberarbeitete Vergleichsprogramm am R\u00fcckzahlungsbetrag an die Kund:innen im </span></div><div class=\"ps32324 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fall einer Annullierung abz\u00fcglich eines prozentuellen Abschlags. In beiden F\u00e4llen f\u00fchrt ein Vergleich zu einer Abschreibung eines </span></div><div class=\"ps32325 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teils des Kreditbetrags, abh\u00e4ngig vom individuell ausgehandelten Vergleichsangebot. Die Vergleichsprogramme werden mittels </span></div><div class=\"ps32326 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mediationsverfahren durch die polnische Finanzaufsichtsbeh\u00f6rde abgewickelt.</span></div><div class=\"ps32327 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Per 31.12.2025 hat die RBI 21.630 individuelle Vergleichsangebot an Kund:innen gestellt, wovon mit 4.541 Kund:innen ein Vergleich </span></div><div class=\"ps32328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und mit weiteren 855 Kund:innen der Mediationsprozess erfolgreich abgeschlossen wurde. Die Bank hat bei der Berechnung der </span></div><div class=\"ps32329 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorsorgen die gesch\u00e4tzte Anzahl der mit Kund:innen abzuschlie\u00dfenden Vergleiche ber\u00fccksichtigt, die das angepasste Niveau </span></div><div class=\"ps32330 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zuk\u00fcnftiger Verluste in diesen Vergleichsf\u00e4llen widerspiegeln. Die Ber\u00fccksichtigung von Vergleichen in der </span></div><div class=\"ps32331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellungsberechnung wird von Faktoren wie dem R\u00fcckzahlungsbetrag im Falle einer Annullierung, der Entwicklung der </span></div><div class=\"ps32332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsprechung und der Verfahrensdauer beeinflusst.</span></div><div class=\"ps32333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Sonstige R\u00fcckstellungen<span id=\"i913bb2cf58694002b8db12733a5c23eb\"></span></span></div><div class=\"ps32356 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1562\"><div><div class=\"ps5730 ss286\"><span class=\"f charStyle-6d404c82 ps30\">Drohverluste aus Derivaten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss1563\"><div><div class=\"ps5730 ss129\"><span class=\"f charStyle-375ad3a6 ps17435\">66.341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss1563\"><div><div class=\"ps5730 ss129\"><span class=\"f charStyle-375ad3a6 ps15112\">63.013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2998 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Garantiekredite<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16299 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27542\">53.423<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32334 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17140\">31.484<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3001 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Prozessrisken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32335 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12905\">1.270.080<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32336 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps453\">1.061.941<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22763 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Bonifikationen und Pr\u00e4mien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32337 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17585\">53.472<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32338 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17218\">48.729<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19204 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Jubil\u00e4umsgelder und Geburtstagsgelder<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32340 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32339\">23.774<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32341 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22677\">27.030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5996 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Unverbrauchte Urlaube<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32342 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17218\">25.536<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32343 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12816\">31.677<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19216 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Restrukturierungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32344 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18460\">631<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32345 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">923<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5473 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Aufsichtsrats-Tantiemen einschlie\u00dflich Aufwandsverg\u00fctung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32346 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18111\">1.489<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32347 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18423\">1.397<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5534 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Operationelles Risiko/Schadensf\u00e4lle/Sonstiges<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32348 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18488\">21.354<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32349 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17889\">22.537<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6043 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Pr\u00fcfungskosten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32350 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20112\">1.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32351 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18421\">1.651<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4554 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aufwendungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32352 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25883\">51.094<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32353 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17501\">99.813<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps15489 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32354 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps52\">1.568.717<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32355 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps30970\">1.390.196<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Erg\u00e4nzungskapital gem\u00e4\u00df Teil 2 Titel I Kapitel 4 der Verordnung (EU) Nr. <span id=\"i645a5d77942d47a5a1293c7c89fea85f\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">575/2013</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Erg\u00e4nzungskapital zum 31.12.2025 betr\u00e4gt \u20ac 2.027.500 Tausend (31.12.2024: \u20ac 2.278.528 Tausend). </span></div><div class=\"ps32359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erg\u00e4nzungskapital nach CRR im Eigenbestand:<span class=\"f ps24\"> </span></span></div><div class=\"ps32361 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI SUB.CALL.NTS 20-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10755\">2.521<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18460\">391<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI NFS 19-30/S193T1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32360\">1.710<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI NACHR. ANL. 21-33<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">184<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI SUB.CALL.NTS 20-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26277\">6.522<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI NTS 22-32 S258/T1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18499\">1.172<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17443\">1.082<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32362 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Berichtsjahr wurden AT1 Emissionen in H\u00f6he von \u20ac 674.200 Tausend (31.12.2024: \u20ac 475.800 Tausend), Covered Bonds in H\u00f6he </span></div><div class=\"ps32363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac\u00a00 Tausend (31.12.2024: \u20ac 1.294.000 Tausend) und sonstige Emissionen in H\u00f6he von \u20ac 12.200 Tausend (31.12.2024: \u20ac\u00a0334.449 </span></div><div class=\"ps32364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend eingezogen, woraus insgesamt ein Ertrag f\u00fcr das Gesch\u00e4ftsjahr 2025 in H\u00f6he von \u20ac 113 Tausend (31.12.2024: Ertrag </span></div><div class=\"ps32365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a04.359 Tausend) resultierte.</span></div><div class=\"ps32366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aufgenommene nachrangige Verbindlichkeiten<span id=\"ie8d1a2e394e34ebfa23af3e9532be830\"></span></span></div><div class=\"ps32367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auflistung jener nachrangigen Kreditaufnahmen (einschlie\u00dflich Erg\u00e4nzungskapital), die 10 Prozent des Gesamtbetrages der </span></div><div class=\"ps32368 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachrangigen Verbindlichkeiten in H\u00f6he von \u20ac 2.027.500 Tausend und somit den Betrag von \u20ac 202.750 Tausend \u00fcbersteigen:<span class=\"f ps24\"> </span></span></div><div class=\"ps32407 ss0\"><div class=\"ss942 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:108pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1564\"><div><div class=\"ps516 ss892\"><span class=\"f charStyle-1dbd4d87 ps30\">Bezeichnung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32369 ss1479\"><div><div class=\"ps516 ss171\"><span class=\"f charStyle-1dbd4d87 ps17223\">ISIN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23467 ss62\"><div><div class=\"ps1485 ss61\"><span class=\"f charStyle-1dbd4d87 ps32370\">Nominale in <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps15034\">\u20ac Tausend</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17132 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps32371\">Emission<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26788 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps32372\">F\u00e4lligkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32373 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps30568\">W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32374 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps27167\">Zinssatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32376 ss62\"><div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps32375\">Abrufdatum<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22746 ss62\"><div><div class=\"ps1485 ss61\"><span class=\"f charStyle-1dbd4d87 ps18081\">Nach-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss61\"><span class=\"f charStyle-1dbd4d87 ps32377\">rangigkeit<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1565\"><div><div class=\"ps31 ss892\"><span class=\"f charStyle-375ad3a6 ps30\">Subordinated Notes 2032 Serie 215<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32378 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps23273\">XS2189786226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32379 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9347\">500.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17138 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps620\">18.06.2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26791 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps32380\">18.06.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32381 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13351\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32382 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5370\"></span><span class=\"ps5370\">2,875 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32383 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps11259\">18.6.2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32384 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17527\">Tier 2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1565\"><div><div class=\"ps31 ss892\"><span class=\"f charStyle-375ad3a6 ps30\">Subordinated Notes 2033 Serie 231<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32386 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps32385\">XS2353473692<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32387 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9347\">500.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17147 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17121\">17.06.2021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26797 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps32079\">17.06.2033<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32388 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13351\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32389 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps1439\"></span><span class=\"ps1439\">1,375 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32390 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10877\">17.3.2028<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32391 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17527\">Tier 2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1565\"><div><div class=\"ps31 ss892\"><span class=\"f charStyle-375ad3a6 ps30\">Subordinated Notes 2032 Serie 258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32393 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps32392\">XS2534786590<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32394 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9347\">500.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17155 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps32395\">20.09.2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26802 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps31236\">20.12.2032<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32396 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13351\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32397 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5221\"></span><span class=\"ps5221\">7,375 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32398 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps1106\">20.9.2027<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32399 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17527\">Tier 2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1565\"><div><div class=\"ps31 ss892\"><span class=\"f charStyle-375ad3a6 ps30\">Subordinated Notes 2035 Serie 301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32401 ss925\"><div><div class=\"ps31 ss171\"><span class=\"f charStyle-375ad3a6 ps32400\">XS2904849879<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32402 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps9347\">500.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17162 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps567\">02.10.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26810 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps32403\">02.1.2035<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32404 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps13351\">EUR <span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32405 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12698\"></span><span class=\"ps12698\">5,250 %</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29831 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps10464\">02.11.2029<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32406 ss70\"><div><div class=\"ps31 ss61\"><span class=\"f charStyle-375ad3a6 ps17527\">Tier 2<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter den nachrangigen Verbindlichkeiten befinden sich auch zwei nachrangige Schulscheindarlehen mit Laufzeiten zwischen </span></div><div class=\"ps32409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">drei und zehn Jahren, welche in Euro denominiert sind.</span></div><div class=\"ps32410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anspr\u00fcche von Gl\u00e4ubigern auf R\u00fcckzahlung dieser Verbindlichkeiten sind gegen\u00fcber anderen Gl\u00e4ubigern nachrangig und d\u00fcrfen </span></div><div class=\"ps32411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Falle des Konkurses oder der Liquidation erst nach Befriedigung aller nicht nachrangigen Gl\u00e4ubiger zur\u00fcckgezahlt werden.</span></div><div class=\"ps32412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die genannten Verbindlichkeiten bestehen keine vertraglichen Bestimmungen hinsichtlich einer etwaigen Umwandlung oder </span></div><div class=\"ps32413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer vorzeitigen Beendigung.</span></div><div class=\"ps32414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aufwendungen f\u00fcr nachrangige Verbindlichkeiten<span class=\"f ps24\"> </span><span id=\"id866541cafb24125be515c2d30bca07f\"></span></span></div><div class=\"ps32415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Aufwendungen f\u00fcr nachrangige Verbindlichkeiten belaufen sich im Gesch\u00e4ftsjahr auf \u20ac 90.525 Tausend (31.12.2024: </span></div><div class=\"ps32416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 77.345 Tausend). </span></div><div class=\"ps32417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Zus\u00e4tzliches Kernkapital<span id=\"ib039e46472ee4ccc9dc92685e2c28e93\"></span></span></div><div class=\"ps28648 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Jahr 2025 wurde zus\u00e4tzliches Kernkapital von \u20ac 500.000 Tausend begeben. Weiters kam es zum R\u00fcckkauf von zus\u00e4tzlichem </span></div><div class=\"ps28649 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernkapital in H\u00f6he von \u20ac 674.200 Tausend. Beim R\u00fcckkauf wurde im abgelaufenen Gesch\u00e4ftsjahr kein Kursverlust (2024: \u20ac 8.921 </span></div><div class=\"ps28650 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) realisiert. Mit dem bis 31.12.2025 platzierten zus\u00e4tzlichen Kernkapital im Volumen von \u20ac 1.650.200 Tausend (\u20ac 500.000 </span></div><div class=\"ps32418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend 2020, \u20ac 650.000 Tausend 2024 und \u20ac 500.000 Tausend 2025) hat die RBI AG ihr geplantes AT1-Emissionsprogramm f\u00fcr </span></div><div class=\"ps32419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das abgelaufene Gesch\u00e4ftsjahr abgeschlossen. Zuz\u00fcglich der abgegrenzten Zinsen betr\u00e4gt das zus\u00e4tzliche Kernkapital zum </span></div><div class=\"ps32420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">31.12.2025 \u20ac 1.655.073 Tausend (31.12.2024: \u20ac 1.832.142 Tausend). Das Disagio in H\u00f6he von \u20ac 6.460 Tausend (31.12.2024 \u20ac 10.761 </span></div><div class=\"ps32421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) wird aktivseitig bis zu dem jeweiligen ersten K\u00fcndigungsdatum (15. Juni 2026, 15. Juni 2030 sowie 15. Dezember 2031) <span class=\"f ps24\"> </span></span></div><div class=\"ps32422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgegrenzt.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG f\u00fchrt folgende Volumina begebener AT1 Instrumente im Eigenbestand:<span class=\"f ps24\"> </span></span></div><div class=\"ps7104 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI FIX TO FLR 17/UD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">612<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI FIX TO FLR 18/UD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26614\">2.450<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI FIX TO RES RTE TIER 1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12634\">1.214<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20174\">8.734<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI AT1 NTS 25-OE<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9390\">2.038<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">RBI SUB.CALL.NTS 24-OE<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4154\">9.206<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16295\">4.656<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Aktiva und Passiva in Fremdw\u00e4hrung<span id=\"iacac5aa07feb456e90307c30e0935ddd\"></span></span></div><div class=\"ps32425 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Aktiva in fremder W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1550\">10.165.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20547\">15.689.069<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Passiva in fremder W\u00e4hrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps441\">10.703.364<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9443\">15.597.267<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Eigenkapital<span id=\"i5e60d0f4e0dd45a499971c3828d2e23f\"></span></span></div><div class=\"ps32427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Gezeichnetes Kapital<span id=\"i9f8abe3c1f5b47a6b073f537471d105f\"></span></span></div><div class=\"ps32428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Das Grundkapit</span></span><span class=\"f charStyle-9eccfdcb ps23959\">al der Gesellschaft betr\u00e4gt zum 31. Dezembe</span><span class=\"f charStyle-26fbf26f ps23960\"><span style=\"background-color:inherit\">r 2025 \u20ac</span></span><span class=\"f charStyle-9eccfdcb ps23961\"> 1.003.265.844,05 und ist in </span><span class=\"f charStyle-9eccfdcb ps23962\">328.939.621</span><span class=\"f charStyle-26fbf26f ps23963\"><span style=\"background-color:inherit\"> auf </span></span><span class=\"f charStyle-9eccfdcb ps23964\">Inhaber </span></div><div class=\"ps32429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lautende stimmberechtigte Stammaktien aufgeteilt. Davon sind zum Stichtag 31. Dezember </span><span class=\"f charStyle-9eccfdcb ps2346\">2025</span><span class=\"f charStyle-9eccfdcb ps2347\"> </span><span class=\"f charStyle-9eccfdcb ps2348\">698.767</span><span class=\"f charStyle-9eccfdcb ps2349\"> St\u00fcck (31. Dezember </span></div><div class=\"ps32430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024</span><span class=\"f charStyle-9eccfdcb ps2351\">: </span><span class=\"f charStyle-9eccfdcb ps2352\">525.274</span><span class=\"f charStyle-9eccfdcb ps2353\"> St\u00fcck) eigene Aktien, sodass sich zum Bilanzstichtag </span><span class=\"f charStyle-9eccfdcb ps2354\">328.240.854</span><span class=\"f charStyle-9eccfdcb ps2355\"> Aktien im Umlauf befanden.</span></div><div class=\"ps32431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Eigene Aktien<span id=\"i30d0df21ef6445febf9b46c979001a8e\"></span></span></div><div class=\"ps24623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Hauptversammlung vom 4. April 2024 erm\u00e4chtigte den Vorstand nach den Bestimmungen des \u00a7 65 Abs 1 Z 8 sowie Abs 1a </span></div><div class=\"ps26125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Abs 1b AktG zum Erwerb und, ohne dass die Hauptversammlung vorher nochmals befasst werden muss, gegebenenfalls zur </span></div><div class=\"ps27004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einziehung eigener Aktien, wobei mit Zustimmung des Aufsichtsrats der Erwerb auch au\u00dferb\u00f6rslich unter Ausschluss des </span></div><div class=\"ps32432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">quotenm\u00e4\u00dfigen Andienungsrechts der Aktion\u00e4r:innen erfolgen kann. Der Anteil der zu erwerbenden und bereits erworbenen </span></div><div class=\"ps32433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien darf insgesamt 10 Prozent des jeweiligen Grundkapitals der Gesellschaft nicht \u00fcbersteigen. Die Dauer der </span></div><div class=\"ps32434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erm\u00e4chtigung zum Erwerb eigener Aktien ist mit 30 Monaten ab dem Datum der Beschlussfassung in der Hauptversammlung, </span></div><div class=\"ps22520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sohin bis zum 4. Oktober 2026, begrenzt. Der geringste beim R\u00fcckerwerb zu leistende Gegenwert betr\u00e4gt \u20ac 3,05 pro Aktie, der </span></div><div class=\"ps22521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">h\u00f6chste beim R\u00fcckerwerb zu leistende Gegenwert darf nicht mehr als 10 Prozent \u00fcber dem durchschnittlichen, ungewichteten </span></div><div class=\"ps22522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">B\u00f6rseschlusskurs der der Aus\u00fcbung dieser Erm\u00e4chtigung vorangegangenen 10 Handelstage liegen. Diese Erm\u00e4chtigung kann </span></div><div class=\"ps22523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ganz oder teilweise oder auch in mehreren Teilbetr\u00e4gen und in Verfolgung eines oder mehrerer Zwecke \u2013 mit Ausnahme des </span></div><div class=\"ps22524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertpapierhandels \u2013 durch die Gesellschaft, durch ein Tochterunternehmen (\u00a7 189a Z 7 UGB) oder f\u00fcr deren Rechnung durch </span></div><div class=\"ps22525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dritte ausge\u00fcbt werden.</span></div><div class=\"ps26027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand wurde weiters gem\u00e4\u00df \u00a7 65 Abs 1b AktG erm\u00e4chtigt, mit Zustimmung des Aufsichtsrats f\u00fcr die Ver\u00e4u\u00dferung der </span></div><div class=\"ps32435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien eine andere Art der Ver\u00e4u\u00dferung als \u00fcber die B\u00f6rse oder durch ein \u00f6ffentliches Angebot unter teilweisem oder </span></div><div class=\"ps32436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">g\u00e4nzlichem Ausschluss des Bezugsrechts der Aktion\u00e4r:innen zu beschlie\u00dfen und die Ver\u00e4u\u00dferungsbedingungen festzusetzen. </span></div><div class=\"ps32437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Bezugsrecht der Aktion\u00e4r:innen darf nur dann ausgeschlossen werden, wenn die Verwendung der eigenen Aktien als </span></div><div class=\"ps32438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenleistung f\u00fcr eine Sacheinlage, beim Erwerb von Unternehmen, Betrieben, Teilbetrieben oder Anteilen an einer oder </span></div><div class=\"ps32439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehreren Gesellschaften im In- oder Ausland erfolgt. Weiters kann f\u00fcr den Fall, dass k\u00fcnftig Wandelschuldverschreibungen </span></div><div class=\"ps32440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgegeben werden, das Bezugsrecht der Aktion\u00e4r:innen auch ausgeschlossen werden, um (eigene) Aktien an solche Gl\u00e4ubiger </span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Wandelschuldverschreibungen auszugeben, die von dem ihnen gem\u00e4\u00df den Bedingungen der Wandelschuldverschreibungen </span></div><div class=\"ps5128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gew\u00e4hrten Umtausch- oder Bezugsrecht auf Aktien der Gesellschaft Gebrauch gemacht haben, sowie im Falle einer in den </span></div><div class=\"ps5129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausgabebedingungen von Wandelschuldverschreibungen festgelegten Wandlungspflicht, um diese Wandlungspflicht zu </span></div><div class=\"ps22532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erf\u00fcllen. Diese Erm\u00e4chtigung kann ganz oder teilweise oder auch in mehreren Teilbetr\u00e4gen und in Verfolgung eines oder </span></div><div class=\"ps22533 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrerer Zwecke durch die Gesellschaft, durch ein Tochterunternehmen (\u00a7 189a Z 7 UGB) oder f\u00fcr deren Rechnung durch Dritte </span></div><div class=\"ps32441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausge\u00fcbt werden und gilt f\u00fcr die Dauer von f\u00fcnf Jahren ab dem Datum der Beschlussfassung, sohin bis zum 4. April 2029. </span></div><div class=\"ps32442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seither wurden aufgrund dieser Erm\u00e4chtigung vom April 2024 keine eigenen Aktien erworben.</span></div><div class=\"ps32443 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Hauptversammlung vom 4. April 2024 erm\u00e4chtigte den Vorstand ferner nach den Bestimmungen des \u00a7 65 Abs 1 Z 7 AktG, </span></div><div class=\"ps32444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Zweck des Wertpapierhandels, der auch au\u00dferb\u00f6rslich durchgef\u00fchrt werden darf, f\u00fcr die Dauer von 30 Monaten ab dem </span></div><div class=\"ps32445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datum der Beschlussfassung, sohin bis zum 4. Oktober 2026, eigene Aktien zu erwerben, wobei der Handelsbestand der zu </span></div><div class=\"ps32446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Zweck erworbenen Aktien am Ende jeden Tages 5 Prozent des jeweiligen Grundkapitals der Gesellschaft nicht </span></div><div class=\"ps32447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbersteigen darf. Der Gegenwert f\u00fcr die zu erwerbenden Aktien darf die H\u00e4lfte des Schlusskurses an der Wiener B\u00f6rse am </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">letzten Handelstag vor dem Erwerb nicht unter- und das Doppelte des Schlusskurses an der Wiener B\u00f6rse am letzten </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelstag vor dem Erwerb nicht \u00fcberschreiten. Diese Erm\u00e4chtigung kann ganz oder teilweise oder auch in mehreren </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teilbetr\u00e4gen durch die Gesellschaft, durch ein Tochterunternehmen (\u00a7 189a Z 7 UGB) oder f\u00fcr deren Rechnung durch Dritte </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausge\u00fcbt werden.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seither wurden aufgrund dieser Erm\u00e4chtigung vom April 2024 keine eigenen Aktien zum Zweck des Wertpapierhandels </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erworben.</span></div><div class=\"ps32448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Genehmigtes Kapital<span id=\"ia0d9f443fb5f47cf914c796018795318\"></span></span></div><div class=\"ps2184 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Der Vorstand ist seit der Hauptversammlung vom 4. April 2024 gem\u00e4\u00df \u00a7 169 AktG erm\u00e4chtigt, bis l\u00e4ngstens 16. Mai 2029 mit </span></span></div><div class=\"ps2185 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zustimmung des Aufsichtsrats das Grundkapital \u2013 allenfalls in mehreren Tranchen \u2013 um bis zu \u20ac 501.632.920,50 durch Ausgabe </span></span></div><div class=\"ps2188 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">von bis zu 164.469.810 St\u00fcck neuen, auf Inhaber lautenden stimmberechtigten Stammaktien gegen Bar- und/oder Sacheinlage </span></span></div><div class=\"ps2189 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zu erh\u00f6hen (auch im Wege des mittelbaren Bezugsrechts durch ein Kreditinstitut gem\u00e4\u00df \u00a7 153 Abs 6 AktG) und den Ausgabekurs </span></span></div><div class=\"ps2192 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie die Ausgabebedingungen im Einvernehmen mit dem Aufsichtsrat festzusetzen. Der Vorstand ist ferner erm\u00e4chtigt, mit </span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zustimmung des Aufsichtsrats das gesetzliche Bezugsrecht der Aktion\u00e4re auszuschlie\u00dfen, (i) wenn die Kapitalerh\u00f6hung gegen </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sacheinlage erfolgt oder (ii) wenn die Kapitalerh\u00f6hung gegen Bareinlage erfolgt und die unter Ausschluss des Bezugsrechts </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ausgegebenen Aktien insgesamt 10 Prozent des Grundkapitals der Gesellschaft nicht \u00fcberschreiten (Bezugsrechtsausschluss). </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die (i) Ausn\u00fctzung des genehmigten Kapitals unter Ausschluss des gesetzlichen Bezugsrechts bei Kapitalerh\u00f6hung gegen </span></span></div><div class=\"ps32449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bareinlage sowie die (ii) Durchf\u00fchrung des in der Hauptversammlung vom 26. M\u00e4rz 2025 beschlossenen bedingten Kapitals </span></span></div><div class=\"ps4829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(siehe unten)</span></span><span class=\"f charStyle-9eccfdcb ps2407\"> zur Gew\u00e4hrung von Umtausch- und Bezugsrechten an Gl\u00e4ubiger von Wandelschuldverschreibungen </span><span class=\"f charStyle-26fbf26f ps2408\"><span style=\"background-color:inherit\">d\u00fcrfen </span></span></div><div class=\"ps4830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">insgesamt 10 Prozent des Grundkapitals der Gesellschaft nicht \u00fcberschreiten. Die Ausn\u00fctzung des genehmigten Kapitals in </span></span></div><div class=\"ps4831 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Form einer Kapitalerh\u00f6hung gegen Sacheinlage ist von dieser Einschr\u00e4nkung nicht u</span></span><span class=\"f charStyle-9eccfdcb ps2409\">mfasst.</span></div><div class=\"ps1327 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seither wurde von dieser Erm\u00e4chtigung vom April 2024 kein Gebrauch gemacht.</span></div><div class=\"ps32450 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Kapitalr\u00fccklagen<span id=\"i2f4612f4b8ae4199bf59a0ce821ff05a\"></span></span></div><div class=\"ps32455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die gebundenen Kapitalr\u00fccklagen betragen zum Berichtsstichtag </span></span><span class=\"f charStyle-9eccfdcb ps32451\">\u20ac 4.340.692 T</span><span class=\"f charStyle-26fbf26f ps32452\"><span style=\"background-color:inherit\">ausend (31.12.2024: \u20ac </span></span><span class=\"f charStyle-9eccfdcb ps32453\">4.335.669</span><span class=\"f charStyle-26fbf26f ps32454\"><span style=\"background-color:inherit\"> Tausend). Die </span></span></div><div class=\"ps32459 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">nicht gebundenen Kapitalr\u00fccklagen belaufen sich a</span></span><span class=\"f charStyle-9eccfdcb ps32456\">uf \u20ac 84.589 Taus</span><span class=\"f charStyle-26fbf26f ps14703\"><span style=\"background-color:inherit\">end (31.12.2024: \u20ac </span></span><span class=\"f charStyle-9eccfdcb ps32457\">93.467<span class=\"f ps24\"> </span></span><span class=\"f charStyle-26fbf26f ps32458\"><span style=\"background-color:inherit\"> Tausend). Eine Ver\u00e4nderung ergab </span></span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sich aus der Abbildung von eigenen Anteilen gem. \u00a7 229 Abs 1a bzw. 1b UGB.</span></span></div><div class=\"ps32460 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Gewinnr\u00fccklagen<span id=\"ia13427f31ca5409b8848d556ef7985dd\"></span></span></div><div class=\"ps32461 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Gewinnr\u00fccklagen umfassen gesetzliche R\u00fccklagen in H\u00f6he von \u20ac 5.500 Tausend (31.12.2024: \u20ac 5.500 Tausend) und andere </span></div><div class=\"ps32462 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">freie R\u00fccklagen in H\u00f6he von \u20ac 2.399.831 Tausend (31.12.2024: \u20ac 2.395.234 Tausend). Von den anderen freien R\u00fccklagen ist ein </span></div><div class=\"ps1430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag von \u20ac 531.203 Tausend (31.12.2024: \u20ac 526.606 Tausend) dem Raiffeisen-IPS gewidmet. Aufgrund der Vereinbarung \u00fcber </span></div><div class=\"ps1431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Errichtung eines institutsbezogenen Sicherungssystems (Institutional Protection Scheme) und eines entsprechenden </span></div><div class=\"ps32463 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beschlusses des Raiffeisen-IPS Gesamtrisikorats wurde im Gesch\u00e4ftsjahr 2025 ein Betrag in H\u00f6he von \u20ac 4.597 Tausend </span></div><div class=\"ps32464 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac 24.557 Tausend) als R\u00fccklage f\u00fcr das Raiffeisen-IPS den anderen Gewinnr\u00fccklagen zugef\u00fchrt. Die R\u00fccklage f\u00fcr das </span></div><div class=\"ps32465 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen-IPS ist bei der Eigenmittelberechnung nach CRR nicht anrechenbar.</span></div><div class=\"ps32467 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-27958eee ps17\">Haftr\u00fccklage<span id=\"ib0c0dca4470b429a832bc953c2e73f54\"></span></span><span class=\"f charStyle-8b9b3b54 ps32466\"> <span id=\"if92bae2435dd443b9980d376c84486de\"></span></span></div><div class=\"ps32468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Stand der Haftr\u00fccklage betr\u00e4gt zum 31.12.2025 unver\u00e4ndert \u20ac 535.097 Tausend (31.12.2024: \u20ac 535.097 Tausend). </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Erg\u00e4nzende Angaben <span id=\"i5e1ce463e26946edb5102806a90fdabe\"></span></span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Erl\u00e4uterungen zu den Haftungsverh\u00e4ltnissen<span id=\"i85d21114315b4c148921c223e4b94b9e\"></span></span></div><div class=\"ps13865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG hat im Rahmen der staatlich gef\u00f6rderten, pr\u00e4mienbeg\u00fcnstigten Zukunftsvorsorge gem. \u00a7 108h Abs 1 Z 3 EStG </span></div><div class=\"ps13866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalgarantieverpflichtungen abgegeben. Dabei garantiert das Kreditinstitut, dass im Falle einer Verrentung der f\u00fcr die <span class=\"f ps24\"> </span></span></div><div class=\"ps13867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verrentung zur Verf\u00fcgung stehende Auszahlungsbetrag nicht geringer ist als die Summe der vom Steuerpflichtigen </span></div><div class=\"ps13868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingezahlten Betr\u00e4ge zuz\u00fcglich der f\u00fcr diesen Steuerpflichtigen gutgeschriebenen Pr\u00e4mien im Sinne des \u00a7108g EStG. Das </span></div><div class=\"ps13869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Volumen dieser Garantien betr\u00e4gt zum 31.12.2025 \u20ac 799.271 Tausend (31.12.2024: \u20ac 903.761 Tausend).</span></div><div class=\"ps32469 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6)<span id=\"ie1582e559b8748b0b3d5078cb30504c9\"></span></span></div><div class=\"ps32470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist Mitglied der Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6). Deren Vereinsmitglieder \u00fcbernehmen eine </span></div><div class=\"ps32471 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vertragliche Haftungsverpflichtung, durch die sie solidarisch die zeitgerechte Erf\u00fcllung aller Kundeneinlagen und </span></div><div class=\"ps32472 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenemissionen eines insolventen Vereinsmitglieds bis zu jener Grenze garantieren, die sich aus der Summe der individuellen </span></div><div class=\"ps32473 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tragf\u00e4higkeit der anderen Vereinsmitglieder ergibt. Die individuelle Tragf\u00e4higkeit eines Vereinsmitglieds bestimmt sich nach </span></div><div class=\"ps32474 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den frei verwendbaren Reserven unter Ber\u00fccksichtigung der einschl\u00e4gigen Bestimmungen des BWG. </span></div><div class=\"ps32475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund von rechtlichen und regulatorischen \u00c4nderungen und der Einf\u00fchrung eines institutsbezogenen Sicherungssystems </span></div><div class=\"ps20747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben die Raiffeisen-Kundengarantiegemeinschaft \u00d6sterreich (RK\u00d6) und ihre Mitgliedsinstitutionen 2019 beschlossen, das </span></div><div class=\"ps20748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Programm f\u00fcr neue Transaktionen nicht mehr fortzuf\u00fchren. Dementsprechend gilt der Kundenschutz der RK\u00d6 nur f\u00fcr die </span></div><div class=\"ps20749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfassten Forderungen gegen Mitgliedsinstitute, die vor dem 1. Oktober 2019 eingegangen sind. Die Rechte der Kund:innen aus </span></div><div class=\"ps20750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der gesetzlichen Einlagensicherung sind davon unber\u00fchrt und bleiben im vollen Ausma\u00df bestehen.</span></div><div class=\"ps32476 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Institutsbezogenes Sicherungssystem (Raiffeisen-IPS)<span id=\"ic3164a03783a48d4b49aaed29a7efce2\"></span></span></div><div class=\"ps32477 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Raiffeisen Bank International AG, ihre \u00f6sterreichischen Tochterbanken, die Raiffeisen-Landeszentralen und die </span></div><div class=\"ps32478 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbanken geh\u00f6ren der Vereinbarung \u00fcber ein institutsbezogenes Sicherungssystem (Raiffeisen-IPS) und der </span></div><div class=\"ps32479 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreichischen Raiffeisen-Sicherungseinrichtung eGen (\u00d6RS) als gesetzlicher Sicherungseinrichtung an. </span></div><div class=\"ps2481 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Vereinbarung \u00fcber das Raiffeisen-IPS verpflichten sich die teilnehmenden Institute, einander gegenseitig abzusichern und </span></div><div class=\"ps32480 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere bei Bedarf einander die Liquidit\u00e4t und Solvenz sicherzustellen. Dieses Raiffeisen-IPS wurde von den zust\u00e4ndigen </span></div><div class=\"ps32481 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsbeh\u00f6rden EZB und FMA als institutsbezogenes Sicherungssystem im Sinne von Artikel 113 Abs 7 CRR </span></div><div class=\"ps24505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Kapitalad\u00e4quanzverordnung der Europ\u00e4ischen Union \u2013 Capital Requirements Regulation) mit den damit verbundenen Rechten </span></div><div class=\"ps32482 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Pflichten der teilnehmenden Institute anerkannt. Danach d\u00fcrfen unter anderem Forderungen zwischen den Raiffeisen-IPS-</span></div><div class=\"ps32483 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitgliedern mit einem Risikogewicht von null Prozent angesetzt werden. Das Raiffeisen-IPS unterliegt einer gemeinsamen </span></div><div class=\"ps2259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufsichtsrechtlichen \u00dcberwachung. Es sind unter anderem die Eigenmittelbestimmungen auf konsolidierter Basis einzuhalten.</span></div><div class=\"ps32484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Raiffeisen-IPS mit der \u00d6RS als Sicherungseinrichtung wurde von der FMA als Einlagensicherungs- und </span></div><div class=\"ps32485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anlegerentsch\u00e4digungssystem gem\u00e4\u00df Einlagensicherungs- und Anlegerentsch\u00e4digungsgesetz (ESAEG) anerkannt. </span></div><div class=\"ps32486 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die \u00d6RS nimmt f\u00fcr das Raiffeisen-IPS Aufgaben der Risikofr\u00fcherkennung und das Berichtswesen wahr. Die \u00d6RS verwaltet als </span></div><div class=\"ps16501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Treuh\u00e4nderin das liquide Sonderverm\u00f6gen des Raiffeisen-IPS. </span></div><div class=\"ps32487 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Raiffeisen-IPS wird durch den Gesamtrisikorat gesteuert, der sich aus Vertreter:innen der RBI AG, der Raiffeisen-</span></div><div class=\"ps32488 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Landeszentralen und der Raiffeisenbanken zusammensetzt. Aufgaben, die auf Landesebene gel\u00f6st werden k\u00f6nnen, hat der </span></div><div class=\"ps32489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtrisikorat an Landesrisikor\u00e4te delegiert, die sich aus Vertreter:innen der jeweiligen Raiffeisen-Landeszentrale und den </span></div><div class=\"ps32490 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbanken des Landes zusammensetzen. </span></div><div class=\"ps32491 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Patronatserkl\u00e4rungen und sonstige finanzielle Verpflichtungen<span id=\"ib308889acc55495292a6178ec0ce2dba\"></span></span></div><div class=\"ps32492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum 31.12.2025 waren weiche Patronatserkl\u00e4rungen in H\u00f6he von \u20ac 22.642 Tausend (31.12.2024: \u20ac 95.881 Tausend) ausgestellt. </span></div><div class=\"ps32493 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Offene Kapitaleinzahlungsverpflichtungen bestehen zum 31.12.2025 im Gesamtbetrag von \u20ac 62.904 Tausend (31.12.2024:</span></div><div class=\"ps32494 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 122.781 Tausend).</span></div><div class=\"ps32495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter der Bilanz im Passivposten Eventualverbindlichkeiten der RBI AG werden zum 31.12.2025 \u20ac 7.317.059 Tausend (31.12.2024: </span></div><div class=\"ps32496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 7.477.261 Tausend) ausgewiesen. Davon entfallen \u20ac 6.374.973 Tausend (31.12.2024: \u20ac 6.330.724 Tausend) auf Avale sowie </span></div><div class=\"ps32497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 942.086 Tausend (31.12.2024: \u20ac 1.146.536 Tausend) auf Akkreditive. Von den Avalen betrifft ein Volumen von \u20ac 438.958 Tausend </span></div><div class=\"ps32498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac 486.748 Tausend) Haftungen gegen\u00fcber verbundenen Unternehmen.</span></div><div class=\"ps32499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter der Bilanz im Passivposten Kreditrisiken der RBI AG werden zum 31.12.2025 \u20ac 21.959.511 Tausend (31.12.2024: \u20ac 20.157.817 </span></div><div class=\"ps32500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) ausgewiesen. Davon entfallen im Berichtsjahr \u20ac 10.786.815 Tausend auf noch nicht in Anspruch genommene </span></div><div class=\"ps32501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwiderrufliche Kreditzusagen (31.12.2024: \u20ac 10.051.873 Tausend) bzw. \u20ac 11.172.696 Tausend auf widerrufliche Kreditzusagen <span class=\"f ps24\"> </span></span></div><div class=\"ps32502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(31.12.2024: \u20ac 10.105.944 Tausend).</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Offene Rechtsf\u00e4lle<span id=\"i6463077e04ea45bd8e27861f5984258d\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die RBI AG ist an diversen Gerichts-, Beh\u00f6rden- oder Schiedsverfahren vor verschiedenen Gerichten und Beh\u00f6rden sowohl auf </span></span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">der Kl\u00e4ger- als auch auf der Beklagtenseite beteiligt. Die Verfahren ergeben sich in der Regel aus der gew\u00f6hnlichen </span></span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gesch\u00e4ftst\u00e4tigkeit in vertraglichen, arbeitsrechtlichen und anderen Angelegenheiten. </span><span class=\"f ps24\"> </span></span></div><div class=\"ps2179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine R\u00fcckstellung wird f\u00fcr ungewisse Verbindlichkeiten, drohende Verluste aus schwebenden Gesch\u00e4ften bzw. Aufwendungen </span></div><div class=\"ps2182 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gebildet, welche dem Gesch\u00e4ftsjahr oder fr\u00fcheren Gesch\u00e4ftsjahren zuzuordnen sind und sich am Abschlussstichtag als </span></div><div class=\"ps2183 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wahrscheinlich oder sicher darstellen, wobei H\u00f6he oder Eintrittszeitpunkt jedoch unbestimmt ist. Eine Eventualverbindlichkeit, </span></div><div class=\"ps1398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die aufgrund eines vergangenen Ereignisses entstanden ist, wird offengelegt, es sei denn die Zahlungen sind h\u00f6chst </span></div><div class=\"ps1399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwahrscheinlich. In der nachfolgenden Beschreibung wird in jenen F\u00e4llen kein Betrag genannt, in denen dies schwerwiegend </span></div><div class=\"ps1400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachteilig w\u00e4re.</span></div><div class=\"ps32503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Bankgesch\u00e4ft<span id=\"i6804f3ab85934d15bf3f291c6fcb9933\"></span></span></div><div class=\"ps24492 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG erbringt Dienstleistungen f\u00fcr Firmenkunden, welche auf operativer Ebene das Risiko von Rechtsstreitigkeiten </span></div><div class=\"ps27215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erh\u00f6hen. Die wesentlichsten F\u00e4lle sind:</span></div><div class=\"ps27218 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach der Insolvenz der Alpine Holding GmbH (Alpine) im Jahr 2013 reichten Kleinanleger:innen in \u00d6sterreich eine Reihe von </span></div><div class=\"ps28037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Klagen im Zusammenhang mit einer von der Alpine im Jahr 2012 begebenen Anleihe im Gesamtnennbetrag von \u20ac 100 Millionen <span class=\"f ps24\"> </span></span></div><div class=\"ps28038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI AG und ein weiteres Kreditinstitut ein. Die Anspr\u00fcche gegen die RBI AG beliefen sich urspr\u00fcnglich auf etwa </span></div><div class=\"ps32504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 10 Millionen. Gesamthaft wurden Klagen in H\u00f6he von rund \u20ac 8 Millionen direkt durch einzelne Anleger:innen oder indirekt </span></div><div class=\"ps32505 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mittels Sammelklage durch die Bundeskammer f\u00fcr Arbeiter und Angestellte geltend gemacht. Aufgrund einiger eingestellter <span class=\"f ps24\"> </span></span></div><div class=\"ps32506 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren sowie von beschr\u00e4nkten Anspr\u00fcchen reduzierte sich der Streitwert der gegen\u00fcber der RBI AG anh\u00e4ngigen </span></div><div class=\"ps32507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsverfahren auf rund \u20ac 6,3 Millionen. Vorgebracht wird unter anderem, dass die Banken als Joint Lead Manager der </span></div><div class=\"ps32508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleiheemission gehandelt h\u00e4tten und zum Zeitpunkt der Emission Kenntnis von finanziellen Problemen der Alpine hatten oder </span></div><div class=\"ps32509 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zumindest Kenntnis davon h\u00e4tten haben m\u00fcssen. Ihnen sollte daher bekannt gewesen sein, dass die Alpine nicht imstande </span></div><div class=\"ps32510 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gewesen sei, die Anleihen gem\u00e4\u00df den Anleihebedingungen zur\u00fcckzuzahlen. Die Kl\u00e4ger behaupten, dass der <span class=\"f ps24\"> </span></span></div><div class=\"ps32511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalmarktprospekt in Bezug auf die Anleihe irref\u00fchrend und unvollst\u00e4ndig gewesen sei und die Joint Lead Manager </span></div><div class=\"ps32512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dflich der RBI AG, dies gewusst h\u00e4tten. Im Dezember 2023 hat das Gericht in erster Instanz in mehreren </span></div><div class=\"ps2573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammengefassten Verfahren in einem Teilurteil die auf Prospekthaftung basierenden Anspr\u00fcche von Anleger:innen gegen die </span></div><div class=\"ps12305 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG in H\u00f6he von insgesamt rund \u20ac 5,9 Millionen abgewiesen. Das erstinstanzliche Urteil wurde vom Gericht zweiter Instanz </span></div><div class=\"ps12306 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">best\u00e4tigt. Die Kl\u00e4ger haben dagegen im September 2024 Revision beim Obersten Gerichtshof erhoben. Die H\u00f6he der Anspr\u00fcche </span></div><div class=\"ps21802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen die RBI AG in diesem Rechtsmittelverfahren wurde von \u20ac 5,9 Millionen auf \u20ac 5,7 Millionen reduziert. Der Oberste </span></div><div class=\"ps21803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtshof hat die kl\u00e4gerische Revision in diesem Sammelverfahren mit Entscheidung vom 23. Juli 2025 zur\u00fcckgewiesen. </span></div><div class=\"ps32513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiters konnte die RBI eine Reihe weiterer Verfahren im Vergleichsweg beenden und ihre Verfahrenskosten teilweise ersetzt </span></div><div class=\"ps32514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erhalten. Nach den durch die Revisionsentscheidung erledigten Verfahren ist die Anzahl aller ansonsten anh\u00e4ngiger Verfahren </span></div><div class=\"ps32515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf lediglich zwei (Gesamtstreitwert rund \u20ac 0,5 Millionen) gesunken.</span></div><div class=\"ps32484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im ersten Quartal 2021 erfuhr die RBI AG von einer Klage, die ein indonesisches Unternehmen bereits im November 2020 in </span></div><div class=\"ps19884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jakarta gegen sie eingereicht hatte. Die behauptete Forderung auf Ersatz von Verm\u00f6genssch\u00e4den wird mit rund USD 129 </span></div><div class=\"ps19885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac 110 Millionen) und die auf Ersatz von ideellen Sch\u00e4den mit USD 200 Millionen (\u20ac 170 Millionen) beziffert. Die Klage </span></div><div class=\"ps19886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde der RBI AG im Mai 2022 zugestellt. Am 27. Juni 2023 entschied das Bezirksgericht S\u00fcd-Jakarta (Pengadilan Negeri Jakarta </span></div><div class=\"ps19887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Selatan), dass die RBI AG gegen\u00fcber dem indonesischen Unternehmen eine rechtswidrige Handlung gesetzt habe, und </span></div><div class=\"ps19888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verurteilte die RBI AG zur Zahlung von Schadenersatz in H\u00f6he von USD 119 Millionen (\u20ac 101 Millionen). Die RBI AG hat angesichts </span></div><div class=\"ps19889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Rechts- und Faktenlage gegen dieses Urteil beim Landesgericht Jakarta (Pengadilan Tinggi Jakarta) Berufung erhoben. Im </span></div><div class=\"ps19890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rz 2024 entschied das Landesgericht Jakarta zugunsten der RBI AG und wies die Klage mangels indonesischer </span></div><div class=\"ps19891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtsbarkeit zur\u00fcck. Der Kl\u00e4ger brachte im Juni 2024 eine Revision beim Obersten Gerichtshof Indonesiens (Mahkamah </span></div><div class=\"ps19892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Agung Republik Indonesia) ein, gegen welche die RBI AG eine Revisionsbeantwortung einreichte. W\u00e4hrend auf der Internetseite </span></div><div class=\"ps19893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Bezirksgerichts S\u00fcd-Jakarta die Abweisung der Revision vermerkt ist, ist die Zustellung dieser Entscheidung des Obersten </span></div><div class=\"ps32516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtshofs Indonesiens an RBI noch ausst\u00e4ndig.</span></div><div class=\"ps32517 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist in einem Rechtsstreit mit einem Unternehmen auf den Cayman Islands (Cayman Islands Gesellschaft) und </span></div><div class=\"ps32518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Gegenparteien (einschlie\u00dflich mehrerer Tochterunternehmen und einem Vorstandsmitglied der Cayman Islands </span></div><div class=\"ps32519 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft) beteiligt, bei dem es um die Nichtzahlung unter Garantien geht, die von der fr\u00fcheren Muttergesellschaft der </span></div><div class=\"ps32520 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cayman Islands Gesellschaft gegeben wurden. Im August 2019 leitete die RBI AG ein Verfahren gegen die Cayman Islands </span></div><div class=\"ps32521 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (und weitere Gegenparteien) beim Grand Court of the Cayman Islands, Financial Services Division (dem Gerichtshof </span></div><div class=\"ps32522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Cayman Islands) ein. In diesen Verfahren macht die RBI AG, allgemein formuliert, geltend, dass die Muttergesellschaft durch </span></div><div class=\"ps32523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Reihe betr\u00fcgerischer Transfers (das Betrugsschema) ihrer Verm\u00f6genswerte beraubt wurde, um die Durchsetzung von </span></div><div class=\"ps32524 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Garantien zugunsten der RBI AG zu verhindern. Im September 2019 erwirkte die RBI AG eine einstweilige Verf\u00fcgung gegen die </span></div><div class=\"ps32525 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cayman Islands Gesellschaft, die die M\u00f6glichkeit, \u00fcber ihr Verm\u00f6gen zu verf\u00fcgen, einschr\u00e4nkte (die Freezing Order), bis das </span></div><div class=\"ps32526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren vor dem Gerichtshof der Cayman Islands entschieden wird. Im November 2019 reichte die Cayman Islands </span></div><div class=\"ps32527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft eine Bestreitung und eine Gegenklage vor dem Gerichtshof der Cayman Islands ein, die darin enthaltene </span></div><div class=\"ps32528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenklage in H\u00f6he von \u20ac 203 Millionen gegen die RBI AG. Die Cayman Islands Gesellschaft baut ihre Gegenklage dabei auf </span></div><div class=\"ps32529 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dokumenten auf, deren Vorlage die Cayman Islands Gesellschaft bislang verweigert hat. Das Verfahren vor dem Gerichtshof </span></div><div class=\"ps32530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Cayman Islands wurde im Jahr 2020 um weitere Gegenparteien erweitert. Im Dezember 2021 wies das Berufungsgericht der </span></div><div class=\"ps32531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cayman Islands die Versuche der Cayman Islands Gesellschaft und anderer Gegenparteien ab, die Freezing Order und die </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zust\u00e4ndigkeit des Gerichtshofs der Cayman Islands anzufechten. Diese Antr\u00e4ge wurden abgelehnt und der RBI AG ein </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kostenersatz zugesprochen. Im Jahr 2023 \u00e4nderte die RBI AG ihre Klage ab, nahm ein Vorstandsmitglied der Cayman Islands </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft (Vorstandsmitglied) als Gegenpartei in die Verfahren vor dem Gerichtshof der Cayman Islands auf und erh\u00f6hte </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihre Schadenersatzforderung von rund \u20ac 44 Millionen auf rund \u20ac 106 Millionen, zuz\u00fcglich Zinsen und Kosten. \u00dcber einen Antrag </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Vorstandsmitglieds auf Anfechtung der Zust\u00e4ndigkeit und seine Miteinbeziehung in das Verfahren vor dem Gerichtshof der </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cayman Islands wurde im Februar 2025 verhandelt und dieser Antrag im April 2025 abgewiesen, wobei der RBI AG ein </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kostenersatz zugesprochen wurde. Die Klagebeantwortung des Vorstandsmitgliedes wurde im August 2025 eingebracht. Nach </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer \u201eCase Management Conference\u201c -Tagsatzung (iW: Festlegung des Prozesszeitplans) im September 2025 wurde </span></div><div class=\"ps3802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angeordnet, dass das Hauptverfahren am ersten verf\u00fcgbaren Termin nach dem 2. April 2027 beginnen soll. Ebenfalls im </span></div><div class=\"ps3803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">September 2025 wurde das Verfahren um eine neue Gegenpartei (eine Tochtergesellschaft der Cayman Islands Gesellschaft) </span></div><div class=\"ps3804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erweitert. Diese Gegenpartei gab dem Gerichtshof der Cayman Islands Verpflichtungserkl\u00e4rungen im Wesentlichen in derselben </span></div><div class=\"ps3805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Form ab wie die Freezing Order, und sowohl die Cayman Islands Gesellschaft als auch die neue Gegenpartei wurden </span></div><div class=\"ps3806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angewiesen, alle ihre Verm\u00f6genswerte im Wert von \u00fcber \u20ac 3 Millionen offenzulegen, wobei weitere Informationen von den </span></div><div class=\"ps32532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirtschaftspr\u00fcfern der Cayman Islands Gesellschaft bereitgestellt werden sollen, um die \u00dcberwachung der Freezing Order zu </span></div><div class=\"ps32533 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterst\u00fctzen. Weitere damit verbundene Verfahren wurden von Gegenparteien innerhalb der Unternehmensgruppe der </span></div><div class=\"ps32534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cayman Islands Gesellschaft gegen die RBI AG eingebracht, unter anderem in Malta und British Columbia (Kanada). Diese </span></div><div class=\"ps32535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren werden von der RBI AG ausgefochten, aber nur mit dem Ziel von Feststellungen und nicht eines </span></div><div class=\"ps32536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadenersatzanspruches.</span></div><div class=\"ps32537 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Durchsetzung durch Regulierungsbeh\u00f6rden<span id=\"i95d9e949e11040c18a70fed46bdd2a11\"></span></span></div><div class=\"ps32538 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG unterliegt zahlreichen nationalen und internationalen Regulierungsbeh\u00f6rden. </span></div><div class=\"ps19048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im M\u00e4rz 2018 wurde im Rahmen eines Verwaltungsstrafverfahrens gegen die RBI AG eine Verwaltungsstrafe in H\u00f6he von <span class=\"f ps24\"> </span></span></div><div class=\"ps19049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 2,7 Millionen (die auf der Grundlage des konsolidierten Jahresumsatzes der RBI AG berechnet wurde und sich auf 0,06 Prozent </span></div><div class=\"ps24922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des letzten verf\u00fcgbaren konsolidierten Jahresumsatzes bel\u00e4uft) f\u00fcr eine angebliche Nichteinhaltung von formalen </span></div><div class=\"ps24923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dokumentationspflichten im Zusammenhang mit dem Know-your-Customer-Prinzip verh\u00e4ngt (Urspr\u00fcngliche FMA- </span></div><div class=\"ps32539 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidung). Nach Auslegung der \u00f6sterreichischen Finanzmarktaufsicht (FMA) hatte die RBI AG in einigen wenigen Einzelf\u00e4llen </span></div><div class=\"ps32540 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diese administrativen Verpflichtungen nicht eingehalten. Die FMA behauptete nicht, dass Geldw\u00e4sche oder ein anderes </span></div><div class=\"ps32541 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf eine kriminelle Handlung oder ein Zusammenhang mit einer </span></div><div class=\"ps32542 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solchen best\u00fcnde. Die RBI AG vertrat die Auffassung, dass sie allen Sorgfaltspflichten in Bezug auf die Know-your-Customer-</span></div><div class=\"ps32543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anforderungen ordnungsgem\u00e4\u00df nachgekommen sei, und erhob Beschwerde gegen die Urspr\u00fcngliche FMA-Entscheidung in ihrer </span></div><div class=\"ps32544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtheit. Das Bundesverwaltungsgericht (BVwG) best\u00e4tigte die urspr\u00fcngliche Entscheidung der FMA (Erste </span></div><div class=\"ps32545 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung), wogegen die RBI AG jedoch in vollem Umfang Revision erhob. Im Dezember 2019 hob der </span></div><div class=\"ps32546 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsgerichtshof (VwGH) die Erste Berufungsentscheidung auf und wies den Fall an das BVwG zur\u00fcck. In der erneuten </span></div><div class=\"ps32547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 6. Mai 2021 die urspr\u00fcngliche FMA-Entscheidung grunds\u00e4tzlich erneut, </span></div><div class=\"ps32548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">senkte jedoch die Verwaltungsstrafe auf \u20ac 824 Tausend und lie\u00df erneut eine (zweite) Revision vor dem VwGH zu (Zweite </span></div><div class=\"ps32549 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df Revision. Im Juli 2023 hob der VwGH die zweite Berufungsentscheidung auf <span class=\"f ps24\"> </span></span></div><div class=\"ps32550 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und wies den Fall wieder an das BVwG zur\u00fcck. In der erneuten Durchf\u00fchrung des Verfahrens best\u00e4tigte das BVwG am 25. April </span></div><div class=\"ps32551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 grunds\u00e4tzlich erneut die urspr\u00fcngliche FMA-Entscheidung, aber senkte die Verwaltungsstrafe auf \u20ac 2 Millionen (von dem </span></div><div class=\"ps18484 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der urspr\u00fcnglichen FMA-Entscheidung verh\u00e4ngten Betrag von \u20ac 2,7 Millionen) und lie\u00df erneut eine (dritte) Revision vor dem </span></div><div class=\"ps18485 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">VwGH zu (Dritte Berufungsentscheidung). Die RBI erhob demgem\u00e4\u00df am 7. Juni 2024 Revision. Es wurde eine R\u00fcckstellung in </span></div><div class=\"ps18486 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessener H\u00f6he gebildet.</span></div><div class=\"ps32552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im September 2018 wurden im Rahmen eines Verwaltungsverfahrens zwei Verwaltungsstrafen in H\u00f6he von insgesamt </span></div><div class=\"ps32553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">PLN\u00a055\u00a0Millionen (\u20ac\u00a013 Millionen) gegen Raiffeisen Bank Polska S.A (RBPL), die ehemalige polnische Tochtergesellschaft der RBI </span></div><div class=\"ps32554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AG, verh\u00e4ngt, da sie ihren Pflichten als Verwahrstelle und Liquidator bestimmter Investmentfonds angeblich nicht </span></div><div class=\"ps32555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachgekommen ist. Die RBPL als Verwahrstelle von Investmentfonds hat im Februar 2018 die Rolle des Liquidators f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps32556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmte Fonds \u00fcbernommen. Nach Einsch\u00e4tzung der polnischen Finanzaufsichtsbeh\u00f6rde (KNF) ist die RBPL bestimmten </span></div><div class=\"ps32557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen in ihrer Funktion als Depotbank und Liquidator der Fonds nicht nachgekommen. Im Zuge der Transaktionen im </span></div><div class=\"ps32558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit dem Verkauf des Kernbankengesch\u00e4fts der RBPL an die Bank BGZ BNP Paribas S.A. hat die RBI AG die </span></div><div class=\"ps32559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verantwortung f\u00fcr die dargelegten Verwaltungsverfahren und die damit verbundenen Strafen \u00fcbernommen. Die RBI AG hat </span></div><div class=\"ps32560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen s\u00e4mtliche Strafen Berufung eingelegt. Im September 2019 hat das Verwaltungsgericht der Woiwodschaft der Berufung </span></div><div class=\"ps32561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI AG in Bezug auf die Strafe in H\u00f6he von PLN 5 Millionen (\u20ac\u00a01 Million) bez\u00fcglich der Pflichten der RBPL als Depotbank </span></div><div class=\"ps32562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">stattgegeben und die Entscheidung der KNF vollst\u00e4ndig aufgehoben. Die KNF legte gegen das Urteil Kassationsbeschwerde ein. </span></div><div class=\"ps32563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Hinblick auf die Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac\u00a012 Millionen) in Bezug auf die Funktion der RBPL als Liquidator hat </span></div><div class=\"ps32564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Verwaltungsgericht der Woiwodschaft die Berufung abgewiesen und die Entscheidung der KNF vollst\u00e4ndig best\u00e4tigt. Die </span></div><div class=\"ps32565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG hat beim Obersten Verwaltungsgericht Kassationsbeschwerde eingelegt, da sie der Ansicht ist, dass die RBPL all ihren </span></div><div class=\"ps32566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pflichten vollumf\u00e4nglich nachgekommen ist. Im April 2023 verwies das Oberste Verwaltungsgericht den Fall bez\u00fcglich der </span></div><div class=\"ps32567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac\u00a01 Million) zur erneuten Pr\u00fcfung an das Verwaltungsgericht der Woiwodschaft zur\u00fcck. </span></div><div class=\"ps32568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiters hat das Oberste Verwaltungsgericht die Kassationsbeschwerde der RBI AG bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 50 </span></div><div class=\"ps32569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (\u20ac\u00a012 Millionen) abgewiesen. Diese ist nunmehr final. Allerdings legte die RBI AG im Oktober 2023 beim Europ\u00e4ischen </span></div><div class=\"ps32570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gerichtshof f\u00fcr Menschenrechte Beschwerde in Bezug auf dieses Urteil ein. Im Oktober 2023 hat das Verwaltungsgericht der </span></div><div class=\"ps32571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Woiwodschaft die Berufung der RBI AG abgewiesen und die Entscheidung der KNF, welche die Strafe in H\u00f6he von PLN 5 Millionen </span></div><div class=\"ps32572 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u20ac\u00a01 Million) gegen die RBI AG aufgrund angeblicher Pflichtverletzung als Depotbank f\u00fcr bestimmte Investmentfonds verh\u00e4ngte, </span></div><div class=\"ps32573 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">best\u00e4tigt. Gegen dieses Urteil wurde beim Obersten Verwaltungsgericht Kassationsbeschwerde eingelegt werden. Beide </span></div><div class=\"ps32574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldstrafen wurden bereits bezahlt. Im Februar 2025 hat das Oberste Verwaltungsgericht die Kassationsbeschwerde der RBI <span class=\"f ps24\"> </span></span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AG bez\u00fcglich der Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) abgewiesen. Diese ist nunmehr final. Im Juli 2025 reichte die </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG auch eine Beschwerde beim Europ\u00e4ischen Gerichtshof f\u00fcr Menschenrechte betreffend diese Entscheidung ein. Beide </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldstrafen, d. h. die Geldstrafe in H\u00f6he von PLN 5 Millionen (\u20ac 1 Million) und die Geldstrafe in H\u00f6he von PLN 50 Millionen (\u20ac 12 </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen), wurden bereits bezahlt.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In diesem Zusammenhang wurden mehrere Einzelklagen und vier Sammelklagen, in denen Anspr\u00fcche von Inhaber:innen von </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zertifikaten der oben genannten, in Liquidation befindlichen Investmentfonds zusammengefasst werden, gegen die RBI AG </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingereicht. Der Gesamtstreitwert per 31. Dezember 2025 betr\u00e4gt rund PLN 81 Millionen (\u20ac\u00a019 Millionen). Dar\u00fcber hinaus wurde </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI AG dar\u00fcber informiert, dass dem Gericht zwei \u00c4nderungen der Klageschrift vorgelegt wurden, die zu einer Erh\u00f6hung des </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtstreitwerts um rund PLN 93 Millionen (\u20ac\u00a022 Millionen) f\u00fchren k\u00f6nnten. Die erste dieser \u00c4nderungen \u00fcber einen Betrag von </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">circa PLN 91 Millionen (\u20ac 22 Millionen) wurde der RBI AG jedoch noch nicht zugestellt. Die Kl\u00e4ger im Rahmen der Sammelklagen </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fordern, dass die Verantwortung der RBI f\u00fcr die behaupteten mangelhaften Leistungen der RBPL (deren Rechtsnachfolgerin die </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI ist) als Depotbank festgestellt wird. Eine derartige Feststellung w\u00fcrde die finanziellen Anspr\u00fcche der Kl\u00e4ger f\u00fcr weitere </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rechtsstreitigkeiten sichern und erleichtern. Aufgrund der Rechtseinsch\u00e4tzung der RBI AG wurde keine R\u00fcckstellung gebildet. </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat die RBI AG eine Anzahl von Benachrichtigungen \u00fcber Anspr\u00fcche seitens BNP im Zusammenhang mit </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestimmten Bankgesch\u00e4ften, f\u00fcr die BNP Rechtsnachfolger der RBPL ist, erhalten. Diese Forderungsmitteilungen beziehen sich </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haupts\u00e4chlich auf Verwaltungsverfahren, die von der KNF (Polish Financial Supervision Authority) im Zusammenhang mit </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angeblichen Vers\u00e4umnissen der RBPL/BNP als Verwahrer von Investmentfonds durchgef\u00fchrt wurden, und k\u00f6nnen zu </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldstrafen f\u00fchren. Dar\u00fcber hinaus wurden in diesem Zusammenhang Anspr\u00fcche von Anleger:innen gegen\u00fcber der BNP </span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erhoben. Die RBI AG unterst\u00fctzt die BNP in diesen Zusammenhang. Die finanziellen Auswirkungen sind derzeit nicht </span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">absch\u00e4tzbar.</span></div><div class=\"ps2424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 wurde die RBI AG von der FMA informiert, dass ein Verwaltungsstrafverfahren wegen einer angeblichen </span></div><div class=\"ps2425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nichteinhaltung von bestimmten rechtlichen Vorschriften bez\u00fcglich dem Know-Your-Customer Prinzip in Verbindung mit drei </span></div><div class=\"ps2426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kunden aus dem Korrespondenzbankgesch\u00e4ft der RBI AG eingeleitet wurde. Die verfahrensgegenst\u00e4ndlichen Transaktionen </span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden von der RBI AG zwischen 2017 und 2020 abgewickelt. Gem\u00e4\u00df der Auslegung der FMA h\u00e4tte sich die RBI AG nicht </span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausreichend davon \u00fcberzeugt, dass diese Banken angemessene Due-Diligence-Prozesse zu ihren eigenen Kunden aus deren </span></div><div class=\"ps2429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Korrespondenzbankgesch\u00e4ft implementiert h\u00e4tten. Daher w\u00e4re es der RBI AG, aus Sicht der FMA, nicht gelungen, ihre </span></div><div class=\"ps2430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verpflichtungen aus den entsprechenden Verwaltungsvorschriften vollst\u00e4ndig zu erf\u00fcllen. Die FMA hat allerdings nicht </span></div><div class=\"ps2431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">behauptet, dass tats\u00e4chlich Geldw\u00e4sche oder ein anderes Verbrechen stattgefunden h\u00e4tte oder dass ein Verdacht auf oder in </span></div><div class=\"ps2432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenhang mit einer anderen kriminellen Handlung vorgelegen sei. Im Juni 2024 stellte FMA das </span></div><div class=\"ps2433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwaltungsstrafverfahren in Bezug auf eine Bank ohne Strafe ein, verh\u00e4ngte aber eine Verwaltungsstrafe von \u20ac 2,07 Millionen </span></div><div class=\"ps2434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber RBI AG in Bezug auf die anderen beiden Banken. Im Juli 2024 brachte RBI AG ein Rechtsmittel beim </span></div><div class=\"ps2435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bundesverwaltungsgericht (BVwG) ein und daher ist die Verwaltungsstrafe noch nicht rechtskr\u00e4ftig. Das BVwG hat mittlerweile </span></div><div class=\"ps2436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den EuGH um Vorabentscheidung \u00fcber die Einbindung und die Behandlung von nat\u00fcrlichen Personen, die f\u00fcr eine juristische </span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Person t\u00e4tig sind, als Voraussetzung f\u00fcr die Bestrafung eben solcher juristischen Person ersucht. Das Verfahren vor dem EuGH </span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist derzeit noch nicht abgeschlossen.</span></div><div class=\"ps27815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2023 erhielt die RBI AG ein Auskunftsersuchen (RFI) vom Amt zur Kontrolle von Auslandsverm\u00f6gen (OFAC) des US-</span></div><div class=\"ps2440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzministeriums. OFAC \u00fcberwacht und vollstreckt Wirtschafts- und Handelssanktionen auf der Grundlage der US-</span></div><div class=\"ps2441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Au\u00dfenpolitik und der nationalen Sicherheitsziele. Ein Versto\u00df gegen US-Sanktionen kann unter anderem Geldstrafen, das </span></div><div class=\"ps2442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einfrieren von Konten oder die Beendigung von Gesch\u00e4ftsbeziehungen mit US-Korrespondenzbanken zur Folge haben. Die von </span></div><div class=\"ps2444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">OFAC im RFI aufgeworfenen Fragen zielen darauf ab, den Zahlungsverkehr und die damit verbundenen Prozesse der RBI AG mit </span></div><div class=\"ps28023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">US-Korrespondenzbanken vor dem Hintergrund der Entwicklungen im Zusammenhang mit Russland und der Ukraine zu kl\u00e4ren. </span></div><div class=\"ps28024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG arbeitet seit M\u00e4rz 2023 auch mit dem US-Justizministerium (U.S. Department of Justice - \u201eDOJ\u201c) im Zusammenhang </span></div><div class=\"ps28025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit einer DOJ-Anfrage zur Einhaltung der Sanktionen gegen Russland durch die RBI AG zusammen. Ein Versto\u00df gegen das US-</span></div><div class=\"ps28026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strafrecht im Zusammenhang mit Sanktionen kann unter anderem zu Geldstrafen oder der Ernennung eines Beobachters </span></div><div class=\"ps27761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fchren. Die RBI AG verf\u00fcgt aus Prinzip \u00fcber Richtlinien und Verfahren, die konzipiert sind um die Einhaltung anwendbarer </span></div><div class=\"ps27762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Embargos und Finanzsanktionen sicherzustellen, und kooperiert in Bezug auf deren Anfragen uneingeschr\u00e4nkt mit OFAC und </span></div><div class=\"ps27763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">DOJ, soweit dies nach geltenden Gesetzen und Vorschriften zul\u00e4ssig ist.</span></div><div class=\"ps2452 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im August 2023 leitete die FMA ein Verwaltungsstrafverfahren gegen die RBI AG ein, basierend auf einem angeblichen Versto\u00df </span></div><div class=\"ps2453 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Raiffeisen Centrobank AG (RCB) gegen Regeln zum Insiderhandel gem\u00e4\u00df Verordnung (EU) 596/2014 (MAR) im September </span></div><div class=\"ps2454 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2022 in Bezug auf ein Finanzinstrument, f\u00fcr das die RCB als Market Maker fungierte. Die RCB war eine vollkonsolidierte </span></div><div class=\"ps2455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichische Tochtergesellschaft der RBI AG und die RBI AG wurde im Wege einer Spaltung durch Aufnahme im Dezember </span></div><div class=\"ps2456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2022 Rechtsnachfolgerin der relevanten Gesch\u00e4ftsteile der RCB. Die dem Verdacht zugrunde liegende Transaktion bel\u00e4uft sich </span></div><div class=\"ps27627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf rund \u20ac 85 Tausend.</span></div><div class=\"ps32576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Steuerf\u00e4lle<span id=\"i91a8702a2ec74f4a8a51c6a8f3571e07\"></span></span></div><div class=\"ps28029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 7. Juli 2024 wurde ein Antrag auf Vorabentscheidung vom \u00f6sterreichischen Bundesfinanzgericht an den Gerichtshof der </span></div><div class=\"ps28030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Europ\u00e4ischen Union gestellt, mit der Frage, ob die folgende Umsatzsteuerbefreiung des \u00a7 6 Abs. 1 Z 28 zweiter Satz </span></div><div class=\"ps28031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichisches Umsatzsteuergesetz (UStG) eine staatliche Beihilfe gem\u00e4\u00df Art. 107 Abs. 1 Vertrag \u00fcber die Arbeitsweise der </span></div><div class=\"ps32577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Europ\u00e4ischen Union darstellt. Gem\u00e4\u00df \u00a7 6 Abs. 1 Z 28 zweiter Satz UStG sind sonstige Leistungen steuerfrei, die zwischen </span></div><div class=\"ps24915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen erbracht werden, die \u00fcberwiegend Bank-, Versicherungs- oder Pensionskassenums\u00e4tze ausf\u00fchren, soweit diese </span></div><div class=\"ps24916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen unmittelbar zur Ausf\u00fchrung der genannten steuerfreien Ums\u00e4tze verwendet werden, und f\u00fcr die Personalgestellung </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Unternehmer an die im ersten Satz des \u00a7 6 Abs 1 Z 28 UStG genannten Zusammenschl\u00fcsse. Auf Grundlage dieser </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelung hat die RBI AG umsatzsteuerbefreite Leistungen erbracht und erhalten. Sollte der Gerichtshof der Europ\u00e4ischen Union </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entscheiden, dass es sich bei der Steuerbefreiung um eine (verbotene) staatliche Beihilfe handelt, ist damit zu rechnen, dass <span class=\"f ps24\"> </span></span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diese staatliche Beihilfe f\u00fcr die Vergangenheit (maximal f\u00fcr zehn Jahre) zur\u00fcckgefordert wird. Es wird erwartet, dass sich </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">daraus R\u00fcckzahlungsverpflichtungen der RBI AG in der Gesamth\u00f6he von rund \u20ac 17 Millionen ergeben k\u00f6nnten. Eine R\u00fcckstellung <span class=\"f ps24\"> </span></span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in entsprechender H\u00f6he wurde gebildet. Im Juli 2024 wurde eine \u00c4nderung des \u00f6sterreichischen Umsatzsteuergesetzes </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlossen, wonach die Umsatzsteuerbefreiung in \u00a7 6 Abs. 1 Nr. 28 Satz 2 UStG mit 1. J\u00e4nner 2025 entf\u00e4llt. Am 5. Mai 2025 </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entschied der EuGH, dass das Vorabentscheidungsersuchen des \u00f6sterreichischen Bundesfinanzgerichts unzul\u00e4ssig war. Das </span></div><div class=\"ps3802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bundesfinanzgericht stellte am 30. Mai 2025 ein neues Vorabentscheidungsersuchen.</span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Deutschland kam es in Zusammenhang mit Grunderwerbssteuern zu einer Steuerbelastung von insgesamt rund \u20ac 23 </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen. Die Entscheidung der Steuerbeh\u00f6rde wurde beim Bundesfinanzhof M\u00fcnchen angefochten. Da die Steuern bereits </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bezahlt wurden, ist die Bildung einer R\u00fcckstellung nicht erforderlich. </span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Eigenmittel nach CRR<span id=\"i824dfc280a1e4fff912f136615da5514\"></span></span></div><div class=\"ps2113 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalinstrumente und das mit ihnen verbundene Agio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15095\">5.406.416<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps73\">5.410.799<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Einbehaltene Gewinne<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32578\">343.654<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32579\">342.502<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-6d404c82 ps30\">Kumuliertes sonstiges Ergebnis (und sonstige R\u00fccklagen)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27473\">2.409.226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27473\">2.409.226<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Minderheitsbeteiligungen (zul\u00e4ssiger Betrag in konsolidiertem CET1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Hartes Kernkapital (CET1) vor regulatorischen Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps167\">8.159.295<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11316\">8.162.527<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Zus\u00e4tzliche Bewertungsanpassungen (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32580\">-35.884<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7918\">-41.373<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Immaterielle Verm\u00f6genswerte (verringert um eventuelle Steuerschulden) (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17744\">-15.256<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18108\">-17.337<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1566\"><div><div class=\"ps5430 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Von der k\u00fcnftigen Rentabilit\u00e4t abh\u00e4ngige latente Steueranspr\u00fcche, ausgenommen derjenigen, die aus tempor\u00e4ren <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Differenzen resultieren (verringert um entsprechende Steuerschulden, wenn die Bedingungen von Artikel 38 Absatz 3 <span class=\"f ps24\"> </span></span></div><div class=\"ps5427 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">erf\u00fcllt sind) (negativer Betrag)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-375ad3a6 ps20166\">-644<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-375ad3a6 ps18526\">-738<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">R\u00fccklagen aus Gewinnen oder Verlusten aus zeitwertbilanzierten Gesch\u00e4ften zur Absicherung von Zahlungsstr\u00f6men<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1567\"><div><div class=\"ps1485 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Durch Ver\u00e4nderungen der eigenen Bonit\u00e4t bedingte Gewinne oder Verluste aus zum beizulegenden Zeitwert bewerteten <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">eigenen Verbindlichkeiten</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-6d404c82 ps30\">Direkte und indirekte Positionen eines Instituts in eigenen Instrumenten des harten Kernkapitals (negativer Betrag)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32581 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1514\">-20.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32582 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1514\">-20.000<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11837 ss1567\"><div><div class=\"ps1485 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Forderungsbetrag aus folgenden Posten, denen ein Risikogewicht von 1250% zuzuordnen ist, wenn das Institut als <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Alternative jenen Forderungsbetrag vom Betrag der Posten des harten Kernkapitals abzieht</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32583 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps17790\">-9.084<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32585 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps32584\">-38.031<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11839 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: qualifizierte Beteiligungen au\u00dferhalb des Finanzsektors (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32586 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4563 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: Verbriefungspositionen (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32588 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17790\">-9.084<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32589 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32584\">-38.031<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5203 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: Vorleistungen (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32590 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32591 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5204 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige regulatorische Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32592 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17602\">-415.124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32594 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32593\">-98.384<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5206 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Regulatorische Anpassungen des harten Kernkapitals (CET1) gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32595 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19751\">-495.992<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32596 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps489\">-215.862<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5209 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Hartes Kernkapital (CET1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32597 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11549\">7.683.303<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32598 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13217\">7.946.665<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6131 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalinstrumente und das mit ihnen verbundene Agio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32599 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10787\">1.638.799<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32600 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12625\">1.800.218<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15511 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: gem\u00e4\u00df anwendbaren Rechnungslegungsstandards als Eigenkapital eingestuft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15503 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: gem\u00e4\u00df anwendbaren Rechnungslegungsstandards als Passiva eingestuft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32603 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32604 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13587 ss1567\"><div><div class=\"ps1485 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Betrag der Posten im Sinne von Artikel 484 Absatz 4 zuz\u00fcglich des mit ihnen verbundenen Agios, dessen Anrechnung auf <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">das AT1 ausl\u00e4uft</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32605 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32606 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps325 ss1566\"><div><div class=\"ps5430 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Zum zus\u00e4tzlichen Kernkapital z\u00e4hlende Instrumente des qualifizierten Kernkapitals (einschlie\u00dflich nicht in Zeile 5 <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">enthaltener Minderheitsbeteiligungen), die von Tochterunternehmen begeben worden sind und von Drittparteien </span></div><div class=\"ps5427 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">gehalten werden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18431 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18432 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5314 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Zus\u00e4tzliches Kernkapital (AT1) vor regulatorischen Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18770 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13275\">1.638.799<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18771 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps212\">1.800.218<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6841 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Direkte und indirekte Positionen eines Instituts in eigenen Instrumenten des zus\u00e4tzlichen Kernkapitals (negativer Betrag)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32607 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17131\">-33.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32608 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17131\">-33.000<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5234 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Regulatorische Anpassungen des zus\u00e4tzlichen Kernkapitals (AT1) insgesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18773 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps16871\">-33.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18775 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps16871\">-33.000<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5237 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Zus\u00e4tzliches Kernkapital (AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32609 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21017\">1.605.799<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32610 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26517\">1.767.218<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8673 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Kernkapital (T1 = CET1 + AT1)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18778 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19569\">9.289.102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18779 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps15656\">9.713.883<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7856 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Kapitalinstrumente und das mit ihnen verbundene Agio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18781 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6982\">2.026.487<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18783 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32611\">2.238.093<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6628 ss1566\"><div><div class=\"ps5430 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Zum Erg\u00e4nzungskapital z\u00e4hlende qualifizierte Eigenmittelinstrumente (einschlie\u00dflich nicht in den Zeilen 5 bzw. 34 <span class=\"f ps24\"> </span></span></div><div class=\"ps5426 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">enthaltener Minderheitsbeteiligungen und AT1-Instrumente), die von Tochterunternehmen begeben worden sind und von </span></div><div class=\"ps5427 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Drittparteien gehalten werden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32612 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32613 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20104 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisikoanpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32614 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32615 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8717 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Erg\u00e4nzungskapital (T2) vor regulatorischen Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32616 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22540\">2.056.487<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32617 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7069\">2.238.093<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7883 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Erg\u00e4nzungskapital (T2): regulatorische Anpassungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32618 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32619 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20866\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16291 ss1567\"><div><div class=\"ps1485 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Direkte und indirekte Positionen eines Instituts in eigenen Instrumenten des Erg\u00e4nzungskapitals und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">nachrangigen Darlehen (negativer Betrag)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32620 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps22605\">-30.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32621 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps22605\">-30.000<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps476 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Regulatorische Anpassungen des Erg\u00e4nzungskapitals (T2) insgesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32622 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22605\">-30.000<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29288 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22605\">-30.000<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps488 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Erg\u00e4nzungskapital (T2)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32623 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1569\">2.026.487<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29293 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps13217\">2.208.093<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps500 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Eigenmittel gesamt (TC = T1 + T2)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32624 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1536\">11.315.589<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29297 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps214\">11.921.976<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29299 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikogewichtete Aktiva gesamt (RWA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32625 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21039\">37.338.376<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29302 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10364\">37.123.819<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Darstellung der konsolidierten Eigenmittel nach CRR ist im Konzernabschluss im Kapitel Kapitalmanagement und </span></div><div class=\"ps32627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenmittel nach CRR/CRD IV bzw. BWG zu finden.</span></div><div><div id=\"i2f2e85a5ea7a4adea590b39c3ac77641_1243\" style=\"position:absolute;top:67.46pt\"></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Eigenmittelerfordernis und risikogewichtete Aktiva<span id=\"icdbe56df664c4ace83d419a597d8d329\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachfolgende Tabelle zeigt das risikogewichtete Obligo gem\u00e4\u00df der am 1. J\u00e4nner 2025 in Kraft getretenen Verordnung (EU) <span class=\"f ps24\"> </span></span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024/1623 (CRR III/Basel IV). Bis zum Jahresende 2024 wurde das risikogewichtete Obligo gem\u00e4\u00df den Vorgaben der Verordnung </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(EU) Nr. 575/2013 (CRR II/Basel III) berechnet. Das Inkrafttreten der Verordnung (EU) 2024/1623 (CRR III) zum 1. J\u00e4nner 2025 f\u00fchrte </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu wesentlichen \u00c4nderungen bei der Berechnung der risikogewichteten Aktiva und der Kapitalanforderungen, insbesondere <span class=\"f ps24\"> </span></span></div><div class=\"ps902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch \u00fcberarbeitete Standards f\u00fcr das Kredit- und operationelle Risiko. Diese regulatorischen \u00c4nderungen bilden die Grundlage </span></div><div class=\"ps903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Verschiebungen innerhalb der einzelnen Risikopositionen einschlie\u00dflich der Aufhebung oder Neudefinition einzelner </span></div><div class=\"ps904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kategorien. Infolgedessen ist eine Vergleichbarkeit mit historischen Zahlen nicht mehr uneingeschr\u00e4nkt m\u00f6glich.</span></div><div class=\"ps32691 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps21593\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps20220\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps218\">Risikoge-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps32629\">wichtetes Obligo</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps9417\">Eigenmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps6988\">erfordernis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps218\">Risikoge-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps32629\">wichtetes Obligo</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps9417\">Eigenmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps6988\">erfordernis</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikogewichtete Aktiva gesamt (RWA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31621 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21039\">37.338.376<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11095 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7071\">2.987.070<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31622 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10364\">37.123.819<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21648 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11032\">2.969.906<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2029 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikogewichtete Positionsbetr\u00e4ge f\u00fcr das Kredit-, <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gegenparteiausfall- und das Verw\u00e4sserungsrisiko sowie Vorleistungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31586 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps172\">26.777.948<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31587 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps11281\">2.142.236<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31589 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps12813\">30.059.228<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21656 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps15158\">2.404.738<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3895 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Standardansatz (SA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23224 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps32630\">11.826.268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23225 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps501\">946.101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23226 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps6236\">1.255.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23227 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7988\">100.400<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3023 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Risikopositionsklassen exklusive Verbriefungspositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23228 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7069\">11.826.268<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23229 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7791\">946.101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23230 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps417\">1.255.003<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23231 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17766\">100.400<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralstaaten und Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18469\">12.811<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18383\">1.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23789\">12.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17446\">981<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Regionale und lokale Gebietsk\u00f6rperschaften<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4132\">86.761<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4148\">6.941<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23296\">53.668<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9393\">4.293<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6ffentliche Stellen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32339\">43.772<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18403\">3.502<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22192\">54.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20174\">4.387<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Risikopositionen gegen\u00fcber multilateralen Entwicklungsbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25719\">573<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21804\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17486\">90.509<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23039\">7.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Risikopositionen gegen\u00fcber internationale Organisationen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7234 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Institute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23254 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23947\">1.552<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23255 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18782\">2.118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9994 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">169<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23256 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25150\">19.599<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25724\">1.568<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18710 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5197 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Mengengesch\u00e4ft<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23260 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21652\">312.954<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23261 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26562\">25.036<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18553\">283.665<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17585\">22.693<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14045 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Durch Immobilien besicherte Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23263 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12542\">492.498<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23264 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25888\">39.400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17766\">735.336<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17956\">58.827<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7510 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgefallene Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23266 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9395\">21.841<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7512 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18438\">1.747<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22392\">27.301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32631\">2.184<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5543 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Mit besonders hohem Risiko verbundene Risikopositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32632 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32633 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18726 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18727 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4785 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Gedeckte Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32634 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32635 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18730 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18732 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12964 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Risikopositionen gegen\u00fcber Instituten und Unternehmen mit kurzfristiger <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bonit\u00e4tspr\u00fcfung</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32636 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32637 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18734 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18736 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13120 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Anteile an Organismen f\u00fcr gemeinsame Anlagen (OGA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32638 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32639 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32640 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32641 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13129 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32642 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps300\">10.817.219<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32643 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps399\">865.377<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32644 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13435\">65.508<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32645 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20112\">5.241<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7942 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Positionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32646 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18385\">16.689<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32647 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25783\">1.335<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32648 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15124\">19.406<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10036 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23947\">1.552<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5494 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Verbriefungspositionen nach SA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32649 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32650 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32651 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32652 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29745 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: Wiederverbriefung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32653 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32654 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32655 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32656 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29750 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Auf internen Beurteilungen basierender Ansatz (IRB)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32657 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11937\">14.096.446<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32658 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21865\">1.127.716<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32659 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps10111\">27.798.922<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32660 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps11281\">2.223.914<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8837 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">IRB-Ans\u00e4tze, wenn weder eigene Sch\u00e4tzungen der LGD noch <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Umrechnungsfaktoren genutzt werden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32661 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps21212\">13.295.457<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32662 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps26492\">1.063.637<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32663 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps9441\">15.067.993<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10051 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps27523\">1.205.439<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13603 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Zentralstaaten und Zentralbanken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32664 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32665 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32666 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32667 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6206 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Institute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32668 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps493\">2.352.903<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32669 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19689\">188.232<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32670 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1672\">2.393.947<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17569\">191.516<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7313 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-6d404c82 ps30\">Unternehmen\u00a0\u2013 Angekaufte Forderungen</span><span class=\"f charStyle-ef1a5293 ps32672\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32673 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32578\">244.349<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7315 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15113\">19.548<span class=\"f ps24\"> </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\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps20070 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-6d404c82 ps30\">Unternehmen - KMU</span><span class=\"f charStyle-ef1a5293 ps32674\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;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=\"ps32675 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17458\">171.801<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32677 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32676\">13.744<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5321 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen - Spezialfinanzierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32678 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24947\">1.451.682<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32679 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7359\">116.135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32680 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps100\">1.260.987<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32681 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18491\">100.879<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8874 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Unternehmen - sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32682 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10802\">9.246.524<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32683 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17749\">739.722<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32684 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps284\">11.241.258<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10074 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22292\">899.301<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6883 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">IRB-Ans\u00e4tze, wenn eigene Sch\u00e4tzungen der LGD bzw. <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Umrechnungsfaktoren genutzt werden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps429 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26661 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8064\">193.810<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26662 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26677\">15.505<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26663 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6493\">12.192.884<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10086 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7275\">975.431<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps440 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Aktiva ohne Kreditverpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32685 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5089\">607.179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23296\">48.574<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32686 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17664\">538.045<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29272 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7828\">43.044<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps448 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Positionen, die Verbriefungspositionen darstellen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32688 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32687\">855.233<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32689 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">68.419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32690 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps145\">1.005.303<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29276 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17398\">80.424<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps21593\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps20220\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps218\">Risikoge-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps32629\">wichtetes Obligo</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps9417\">Eigenmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps6988\">erfordernis</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps218\">Risikoge-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps32629\">wichtetes Obligo</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss631\"><div><div class=\"ps1485 ss129\"><span class=\"f charStyle-1dbd4d87 ps9417\">Eigenmittel-<span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps6988\">erfordernis</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2011 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikopositionsbetrag f\u00fcr Abwicklungs- und Lieferrisiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31621 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17486\">22.253<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11095 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17470\">1.780<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31622 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19737\">18.873<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps21648 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27324\">1.510<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Abwicklungs- und Lieferrisiko im Anlagebuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31586 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18396\">48<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22081\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31589 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21656 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Abwicklungs- und Lieferrisiko im Handelsbuch<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31590 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17904\">22.205<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31591 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps16893\">1.776<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps30594 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17798\">18.873<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21664 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17886\">1.510<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2066 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikopositionsbetrag f\u00fcr Positions-, Fremdw\u00e4hrungs- und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Warenpositionsrisiken</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31592 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps11964\">3.616.078<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps31593 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps17837\">289.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18685 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps9810\">3.065.494<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18687 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps19189\">245.240<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3024 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikopositionsbetrag f\u00fcr Positions- Fremdw\u00e4hrungs- und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Warenpositionsrisiken nach Standardans\u00e4tzen (SA)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23233 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps116\">1.359.713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23234 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps16877\">108.777<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23236 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps258\">1.777.764<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23237 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps7208\">142.221<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12884 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">B\u00f6rsengehandelte Schuldtitel<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32693 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17136\">426.274<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32694 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26246\">34.102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32695 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22338\">288.139<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32696 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26542\">23.051<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3029 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32697 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14999\">160.490<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32698 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26632\">12.839<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32699 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7348\">120.844<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32700 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18498\">9.668<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3031 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Besonderer Ansatz f\u00fcr Positionsrisiken in OGA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32701 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22192\">28.963<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32702 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4138\">2.317<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32703 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17897\">5.259<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9991 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">421<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10835 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Fremdw\u00e4hrungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32704 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5662\">722.071<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32705 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17216\">57.766<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32706 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps54\">1.335.732<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32707 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11239\">106.859<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Warenpositionen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32708 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9399\">21.915<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32709 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23039\">1.753<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32581 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17459\">27.790<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32582 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4144\">2.223<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11837 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Risikopositionsbetrag f\u00fcr Positions-, Fremdw\u00e4hrungs- und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Warenpositionsrisiken nach internen Modellen (IM)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32710 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps1567\">2.256.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32711 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps25889\">180.509<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32583 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps10802\">1.287.730<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32585 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-1dbd4d87 ps17948\">103.018<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11839 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtrisikobetrag f\u00fcr operationelle Risiken (OpR)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32712 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps462\">6.528.109<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17983\">522.249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32586 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps300\">3.788.531<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps252\">303.082<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4563 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamtrisikobetrag f\u00fcr Anpassung der Kreditbewertung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps12619\">289.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32715 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21885\">23.188<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32588 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps12627\">191.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32589 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17218\">15.335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5203 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-f7293bcd ps30\">Reduzierter Basisansatz (R-BA)</span><span class=\"f charStyle-cc4ae03e ps32716\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17680\">289.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7257 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18524\">23.188<span class=\"f ps24\"> </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\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5204 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-6d404c82 ps30\">Standardisierte Methode</span><span class=\"f charStyle-ef1a5293 ps32718\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;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=\"ps32592 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17573\">191.694<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32594 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18488\">15.335<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5206 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Sonstige Risikopositionsbetr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24690\">104.137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32720 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4156\">8.331<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32595 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20364\">413<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32596 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24310\">33<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5209 ss1310\"><div><div class=\"ps5430 ss1309\"><span class=\"f charStyle-6d404c82 ps30\">Davon: \u00dcbergangsrisikopositionsbetrag in Verbindung mit Krypto-</span></div><div class=\"ps5426 ss1309\"><span class=\"f charStyle-6d404c82 ps30\">Verm\u00f6genswerten gem\u00e4\u00df Artikel\u00a0501d Absatz\u00a02 der Verordnung (EU) </span></div><div class=\"ps5427 ss1309\"><span class=\"f charStyle-6d404c82 ps30\">Nr.\u00a0575/2013 </span><span class=\"f charStyle-ef1a5293 ps32721\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32722 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-375ad3a6 ps24855\">13.952<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32723 ss132\"><div><div class=\"ps5427 ss129\"><span class=\"f charStyle-375ad3a6 ps18813\">1.116<span class=\"f ps24\"> </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\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss1568\"><div><div class=\"ps877 ss1309\"><span class=\"f charStyle-38effd68 ps16285\"><sup>1</sup></span><span class=\"f charStyle-dab54866 ps16286\"> Aufhebung oder Neudefinition einzelner Kategorien</span></div></div></div></td><td colspan=\"3\" style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps32726 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Eigenkapitalquoten<span id=\"i33c33c89d6fb4fb097a9d08d08e870df\"></span></span></div><div class=\"ps11403 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff59e;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-01995995 ps4113\"><span style=\"background-color:inherit\">31.12.2025</span><span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-6d404c82 ps30\">Harte Kernkapitalquote</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-497e8e3a\"><span class=\"ps8748\" style=\"background-color:inherit\"><span style=\"background-color:inherit\"></span></span><span class=\"ps8748\" style=\"background-color:inherit\"><span style=\"background-color:inherit\">20,6 %</span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20175\"></span><span class=\"ps20175\">21,4 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-6d404c82 ps30\">Kernkapitalquote</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-497e8e3a\"><span class=\"ps10482\" style=\"background-color:inherit\"><span style=\"background-color:inherit\"></span></span><span class=\"ps10482\" style=\"background-color:inherit\"><span style=\"background-color:inherit\">24,9 %</span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17885\"></span><span class=\"ps17885\">26,2 %</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-6d404c82 ps30\">Eigenmittelquote</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-497e8e3a\"><span class=\"ps8754\" style=\"background-color:inherit\"><span style=\"background-color:inherit\"></span></span><span class=\"ps8754\" style=\"background-color:inherit\"><span style=\"background-color:inherit\">30,3 %</span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps27337\"></span><span class=\"ps27337\">32,1 %</span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"3\" style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps32728 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Verschuldungsquote<span id=\"iccaa259a0f294c9887ce152455e06588\"></span></span></div><div class=\"ps32729 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Gesamtrisikoposition<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps441\">76.882.225<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10112\">92.997.127<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Kernkapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps379\">9.289.102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12848\">9.713.883<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-ca7bbde0 ps30\">Verschuldungsquote in Prozent<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps4121\"></span><span class=\"ps4121\">12,1 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps9566\"></span><span class=\"ps9566\">10,4 %</span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"3\" style=\"border-top:1pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-5ce759ba ps26\">Angaben zur Gewinn- und <span id=\"iadb10ce41db74a9a96481e8ea1cc7ffe\"></span></span><div class=\"ps912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Verlustrechnung</span></div><div class=\"ps32731 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Ertr\u00e4ge nach geographischen M\u00e4rkten gem\u00e4\u00df \u00a7 64 <span id=\"i76029708a5024c208fc979c6b68b988a\"></span></span></div><div class=\"ps32732 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Abs.1 Z 9 BWG<span class=\"f ps24\"> </span></span></div><div class=\"ps32733 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die regionale Zuordnung in die Segmente nach dem jeweiligen Sitz der Gesch\u00e4ftsstelle ergibt die folgende Verteilung:</span></div><div class=\"ps32740 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1570\"><div><div class=\"ps264 ss1569\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1569\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17133 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps10467\">Summe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps32734\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17135 ss823\"><div><div class=\"ps1485 ss99\"><span class=\"f charStyle-1dbd4d87 ps6219\">\u00dcbriges <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22804\">Europa</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9965 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps9383\">Asien<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsen und zins\u00e4hnliche Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17139 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12880\">2.118.767<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32735 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21395\">2.079.917<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17143 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps26722\">37.455<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26300 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15658\">1.395<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: aus festverzinslichen Wertpapieren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17148 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps20546\">371.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32736 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7770\">371.638<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17151 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26303 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12635\">104<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus nicht festverzinslichen Wertpapieren und Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17157 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17580\">1.388.616<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32737 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17580\">1.388.616<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11509 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11510 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17163 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps30680\">539.579<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21857 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps32738\">538.737<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17757\">842<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21858 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge/Aufwendungen aus Finanzgesch\u00e4ften<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17171 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10113\">19.365<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10114\">15.853<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17173 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1569\">1.957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps13131\">1.555<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige betriebliche Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17693 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10483\">288.602<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17694 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps3071\">252.777<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17696 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7190\">31.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps32739\">4.676<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32742 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1570\"><div><div class=\"ps264 ss1569\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1569\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17133 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps10467\">Summe<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7899 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps32734\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17135 ss823\"><div><div class=\"ps1485 ss99\"><span class=\"f charStyle-1dbd4d87 ps6219\">\u00dcbriges <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps22804\">Europa</span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9965 ss823\"><div><div class=\"ps516 ss99\"><span class=\"f charStyle-1dbd4d87 ps9383\">Asien<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1992 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsen und zins\u00e4hnliche Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17139 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10267\">2.936.955<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32735 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps24410\">2.858.504<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17143 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps229\">76.497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26300 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15658\">1.953<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2011 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps1864\">davon: aus festverzinslichen Wertpapieren<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17148 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11485\">289.457<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32736 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps21818\">289.271<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17151 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26303 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18653\">185<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2029 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge aus nicht festverzinslichen Wertpapieren und Beteiligungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17157 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17785\">2.278.249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32737 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17785\">2.278.249<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11509 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11510 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2048 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Provisionsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17163 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps13568\">568.518<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21857 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11024\">567.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17165 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps411\">1.135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21858 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Ertr\u00e4ge/Aufwendungen aus Finanzgesch\u00e4ften<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17171 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7187\">110.859<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21861 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9403\">108.991<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17173 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps218\">2.881<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21863 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11977\">-1.013<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1497 ss1571\"><div><div class=\"ps31 ss1569\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige betriebliche Ertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17693 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps5930\">300.404<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17694 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10487\">263.896<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17696 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1524\">31.957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17697 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15149\">4.552<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Negativzinsen<span id=\"idcb1f72247f447fca5391dea86d7d046\"></span></span></div><div class=\"ps32744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG weist grunds\u00e4tzlich Negativzinsen aus Forderungen unter den Zinsertr\u00e4gen aus, Negativzinsen aus Verbindlichkeiten </span></div><div class=\"ps32745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unter den Zinsaufwendungen. Aufgrund der Zinsentwicklung in diesem bzw. dem vorangegangenen Gesch\u00e4ftsjahr ist dieses </span></div><div class=\"ps32746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Thema jedoch aktuell nicht von Relevanz.</span></div><div class=\"ps32747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Sonstige betriebliche Ertr\u00e4ge<span id=\"ic37d24d72d644607a9103b232c879b11\"></span></span></div><div class=\"ps32748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen betrieblichen Ertr\u00e4ge beinhalten weiterverrechnete Personal- und Sachkosten f\u00fcr Dienstleistungen in H\u00f6he von </span></div><div class=\"ps32749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 172.549 Tausend (2024: \u20ac 144.199 Tausend), Ertr\u00e4ge aus der Aufl\u00f6sung von Drohverlustr\u00fcckstellungen aus Derivaten in H\u00f6he </span></div><div class=\"ps32750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 10.300 Tausend (2024: \u20ac 26.174 Tausend), Ertr\u00e4ge aus Close-Out Fees f\u00fcr Derivate des Bankbuchs in H\u00f6he von \u20ac 30.228 <span class=\"f ps24\"> </span></span></div><div class=\"ps32751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend (2024: \u20ac 26.393 Tausend). Ertr\u00e4ge aus der Aufl\u00f6sung sonstiger R\u00fcckstellungen in H\u00f6he von \u20ac 6.209 Tausend (2024: </span></div><div class=\"ps32752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 7.653 Tausend) sowie Ertr\u00e4ge aus der Weiterverrechnung bzw. weiterzuverrechnenden Leistungen an Netzwerkbanken der </span></div><div class=\"ps32753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG in Zusammenhang mit der \u00dcbernahme der Digitalisierungsprojekte der RBI Retail Innovation GmbH in H\u00f6he von </span></div><div class=\"ps32754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 26.798 Tausend (2024: 34.027 Tausend).</span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Personalaufwand<span id=\"i7a4ab1de19e74b8ea2b6b5ac2dd45f60\"></span></span></div><div class=\"ps1433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Aufwendungen f\u00fcr Abfertigungen und Leistungen an betriebliche Vorsorgekassen in H\u00f6he von \u20ac 6.897 Tausend (2024: </span></div><div class=\"ps2275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 11.685 Tausend) sind \u20ac 1.394 Tausend (2024: \u20ac 6.473 Tausend) an Aufwendungen f\u00fcr Abfertigungen enthalten. </span></div><div class=\"ps32757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abfertigungs- und Pensionsaufwand enthalten Effekte aus der Ver\u00e4nderung von versicherungsmathematischen Parametern, </span></div><div class=\"ps32758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welche bei der R\u00fcckstellungsermittlung Anwendung finden sowie Diskontierungseffekte.</span></div><div class=\"ps32759 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Sonstige Verwaltungsaufwendungen<span id=\"ied861238e1a54c3b9ac7434623a6202e\"></span></span></div><div class=\"ps32760 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die auf das Gesch\u00e4ftsjahr entfallenden nach Leistungen aufgeschl\u00fcsselten Aufwendungen f\u00fcr den Abschlusspr\u00fcfer sind im </span></div><div class=\"ps32761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzernabschluss dargestellt. <span class=\"f ps24\"> </span></span></div><div class=\"ps32762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Sonstige betriebliche Aufwendungen<span id=\"ie8b622efad454e12a0d769be5f1a6730\"></span></span></div><div class=\"ps32764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen betrieblichen Aufwendungen sanken um \u20ac 379.620 Tausend auf \u20ac 448.029 Tausend im Jahr 2025. </span><span class=\"f charStyle-26fbf26f ps32763\"><span style=\"background-color:inherit\">Darin enthalten </span></span></div><div class=\"ps32765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sind Dotationen f\u00fcr Drohverlustr\u00fcckstellungen f\u00fcr Bankbuchderivate in H\u00f6he von \u20ac 13.627 Tausend (2024: \u20ac 6.706 Tausend), </span><span class=\"f ps24\"> </span></span></div><div class=\"ps32766 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dotationen f\u00fcr sonstige R\u00fcckstellungen in der Zweigstelle Polen (siehe dazu auch Bilanzposten \"R\u00fcckstellungen\" sowie Kapitel <span class=\"f ps24\"> </span></span></div><div class=\"ps32767 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\"Prozessrisiko Fremdw\u00e4hrungskredite Polen\") in H\u00f6he von \u20ac 81.256 Tausend (2024: \u20ac 545.111 Tausend) sowie Aufwendungen aus <span class=\"f ps24\"> </span></span></div><div class=\"ps32768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Close-Out Fees f\u00fcr Derivate des Bankbuchs in H\u00f6he von \u20ac 33.797 Tausend (2024: \u20ac 39.108 Tausend). Dar\u00fcber hinaus enthalten </span></div><div class=\"ps32769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind Aufwendungen aus weiterverrechneten Personal- und Sachkosten in H\u00f6he von \u20ac 62.092 Tausend (2024: \u20ac 37.231 Tausend), </span></div><div class=\"ps32770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen aus der \u00dcbernahme der Digitalisierungsprojekte der RBI Retail Innovation GmbH in H\u00f6he von \u20ac 28.852 Tausend <span class=\"f ps24\"> </span></span></div><div class=\"ps32771 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(2024: 34.169 Tausend) und Aufwendungen in Zusammenhang mit au\u00dfergerichtlichen Vergleichen hinsichtlich </span></div><div class=\"ps32772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fremdw\u00e4hrungskrediten in der Zweigstelle Polen in H\u00f6he von \u20ac 215.779 Tausend (2024: \u20ac 109.760 Tausend). </span></div><div class=\"ps32773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Ver\u00e4u\u00dferung und Bewertung von Forderungen sowie <span id=\"i69a8998ae2cb4093a19cb2bf253bef06\"></span></span></div><div class=\"ps32774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">von Wertpapieren des Umlaufverm\u00f6gens</span></div><div class=\"ps32775 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Ertrags-/Aufwandssaldo aus der Ver\u00e4u\u00dferung und der Bewertung von Forderungen und Wertpapieren des </span></div><div class=\"ps32776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umlaufverm\u00f6gens ergab wie im Vorjahr einen negativen Saldo in H\u00f6he von \u20ac 185.583 Tausend (2024: \u20ac 176.110 Tausend). Diese </span></div><div class=\"ps32777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung resultierte einerseits aus einem positiven Bewertungs- und Ver\u00e4u\u00dferungsergebnisses von Verm\u00f6genswerten des </span></div><div class=\"ps32778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umlaufverm\u00f6gens inklusive Verlusten aus Vertragsanpassungen sowie der Bankbuch Derivate in H\u00f6he von insgesamt \u20ac 4.076 <span class=\"f ps24\"> </span></span></div><div class=\"ps32779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend (2024: \u20ac minus 7.458 Tausend) sowie aus einer Verminderung des Ergebnisses aus der Bewertung von Forderungen und </span></div><div class=\"ps32780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Garantien auf minus \u20ac 189.659 Tausend (2024: minus \u20ac 168.651 Tausend).</span></div><div class=\"ps32781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bereich der Einzelwertberichtigungen verzeichnete die RBI AG eine Nettodotierung der Wertberichtigungen in H\u00f6he von </span></div><div class=\"ps32782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 122.903 Tausend. Dies stellt im Vergleich zum Vorjahr einen R\u00fcckgang der Zuf\u00fchrung um \u20ac 140.593 Tausend dar. Diese </span></div><div class=\"ps32783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung gegen\u00fcber dem Vorjahr ist auf niedrigere Ausfall - und Verlustraten bei Gro\u00dfkunden zur\u00fcckzuf\u00fchren, insbesondere </span></div><div class=\"ps32784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in den Segmenten Immobilien- und Industriefinanzierung. Im Bereich der Portfolio-Wertberichtigungen war im Berichtsjahr - im </span></div><div class=\"ps32785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegensatz zu 2024 - ein Anstieg der Risikovorsorgen zu nicht ausgefallenen Forderungen zu verzeichnen. So kam es im </span></div><div class=\"ps32786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aktuellen Gesch\u00e4ftsjahr per Saldo zu einer Nettodotierung von Portfolio-Wertberichtungen in H\u00f6he von \u20ac 67.996 Tausend (2024: </span></div><div class=\"ps32787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoaufl\u00f6sung \u20ac 84.993 Tausend). Ma\u00dfgeblich f\u00fcr diese Entwicklung sind im Wesentlichen \u00c4nderungen der Management-</span></div><div class=\"ps32788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Overlays sowie die Aktualisierung der Risikobeurteilung (insbesondere aufgrund von Ratingver\u00e4nderungen). Im Vorjahr kam es </span></div><div class=\"ps32789 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zudem zu mehreren Ausf\u00e4llen und daraus resultierenden Transfers in Stage 3 . Bei substanziellen sowie nicht-substanziellen </span></div><div class=\"ps32790 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertragsanpassungen wurden im Gesch\u00e4ftsjahr Buchwertverluste in H\u00f6he von minus \u20ac 7.506 Tausend (2024: \u20ac 9.445 Tausend) </span></div><div class=\"ps32791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">realisiert. Das Ergebnis aus au\u00dferordentlichen Ver\u00e4u\u00dferungen von Kreditforderungen bel\u00e4uft sich auf minus \u20ac 858 Tausend </span></div><div class=\"ps32792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(2024: minus \u20ac 545 Tausend). Im Gesch\u00e4ftsjahr wurden wie im Vorjahr keine wesentlichen Gewinne und Verluste aus Anteilen an </span></div><div class=\"ps32794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investmentfonds realisiert</span><span class=\"f charStyle-1076b8a0 ps32793\">.</span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Ver\u00e4u\u00dferung und Bewertung von wie Finanzanlagen <span id=\"i1dd95357b62e44cbb29b1e1ee5d089d6\"></span></span></div><div class=\"ps20908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">bewerteten Wertpapieren sowie von Anteilen an </span></div><div class=\"ps32795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">verbundenen Unternehmen und Beteiligungen</span></div><div class=\"ps32796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 wurden aus dem Verkauf von Wertpapieren des Finanzanlageverm\u00f6gens netto \u20ac 918 Tausend an </span></div><div class=\"ps32797 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kursgewinnen realisiert. Im Vergleichszeitraum 2024 betrug der Kursverlust \u20ac 3.515 Tausend. </span></div><div class=\"ps32798 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Ertrags-/Aufwandssaldo aus der Ver\u00e4u\u00dferung und der Bewertung von Wertpapieren, die wie Finanzanlagen </span></div><div class=\"ps32799 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet sind, sowie von Anteilen an verbundenen Unternehmen und Beteiligungen wurden au\u00dferdem im Gesch\u00e4ftsjahr <span class=\"f ps24\"> </span></span></div><div class=\"ps32800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zuschreibungen von insgesamt \u20ac 258.335 Tausend vorgenommen, darunter die RZB-BLS Holding GmbH mit \u20ac 210.281 Tausend, </span></div><div class=\"ps32801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Raiffeisenbank JSC (AVAL) mit \u20ac 31.801 Tausend, sowie die Posojilnica Bank eGen mit \u20ac 5.073 Tausend. Aus der Ver\u00e4u\u00dferung </span></div><div class=\"ps32802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Anteilen an verbundenen Unternehmen und Beteiligungen ergibt sich im Gesch\u00e4ftsjahr ein positiver Ergebnisbeitrag von \u20ac </span></div><div class=\"ps32803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2.097 Tausend (2024: \u20ac 2.008 Tausend).<span class=\"f ps24\"> </span></span></div><div class=\"ps32804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus wurden im Gesch\u00e4ftsjahr Anteile an verbundenen Unternehmen und Beteiligungen in H\u00f6he von insgesamt </span></div><div class=\"ps32805 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac52.963 Tausend abgeschrieben. Darin sind Abschreibungen f\u00fcr die Raiffeisen Bausparkasse Gesellschaft m.b.H. mit \u20ac 37.991 </span></div><div class=\"ps32806 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend sowie die LOTA Handels- und Beteiligungs-GmbH mit \u20ac 4.142 Tausend enthalten.</span></div><div class=\"ps32807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Wertansatz an der Beteiligung AO Raiffeisenbank stellt sich zum 31.12.2025 unver\u00e4ndert zum 31.12.2024 dar (2024: </span></div><div class=\"ps32808 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abwertung in H\u00f6he von \u20ac 1.212.000) und basiert auf einem Unternehmenswert nach dem Fachgutachten zur <span class=\"f ps24\"> </span></span></div><div class=\"ps32809 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensbewertung KFS/BW 1, welchem ein Dividend-Discount-Modell unterschiedlicher wahrscheinlichkeitsgewichteter </span></div><div class=\"ps32810 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Szenarien zugrunde liegt und durch ein externes Bewertungsgutachten belegt ist. Unter Ber\u00fccksichtigung von \u00a7 204 Abs. 2 UGB </span></div><div class=\"ps32811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. \u00a7 208 Abs. 1 UGB, der Tatsache dass s\u00e4mtliche Szenarien im bestehenden Bewertungsansatz ad\u00e4quat abgebildet sind </span></div><div class=\"ps32812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie dem weiteren Bestehen der Abwertungsgr\u00fcnde stellte die RBI AG den Wertansatz zum 31.12.2025 unver\u00e4ndert zum </span></div><div class=\"ps32813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorjahr fest.</span></div><div class=\"ps32814 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Insgesamt werden somit \u20ac 207.469 Tausend an Gewinnen (2024: Verluste von \u20ac 1.184.950 Tausend) aus der Bewertung und </span></div><div class=\"ps32815 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4u\u00dferung von Anteilen an verbundenen Unternehmen und Beteiligungen ausgewiesen. </span></div><div class=\"ps32816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Steuern vom Einkommen und Ertrag<span id=\"i8a875134df1e4a1cbb0219eb7cd1c33c\"></span></span></div><div class=\"ps32817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Steuern vom Einkommen und Ertrag weisen per Saldo einen Steuerertrag aus und belaufen sich f\u00fcr das Gesch\u00e4ftsjahr 2025 </span></div><div class=\"ps32818 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf \u20ac 19.936 Tausend (2024: \u20ac 12.354 Tausend). Der Posten enth\u00e4lt einen Ertrag aus laufenden Steuern vom Einkommen und </span></div><div class=\"ps32819 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertrag in H\u00f6he von \u20ac 23.821 Tausend (2024: \u20ac 18.817 Tausend), einen latenten Steueraufwand von \u20ac 8 Tausend (2024: <span class=\"f ps24\"> </span></span></div><div class=\"ps32820 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerertrag \u20ac 300 Tausend) sowie einen Steueraufwand f\u00fcr Vorjahre in H\u00f6he von \u20ac 11 Tausend (2024: \u20ac 3.445 Tausend). Des </span></div><div class=\"ps32821 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiteren enthalten sind ausl\u00e4ndische Quellensteuern mit einem Betrag von \u20ac 3.867 Tausend (2024: \u20ac 3.320 Tausend).</span></div><div class=\"ps32822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist Gruppentr\u00e4ger einer Unternehmensgruppe gem\u00e4\u00df \u00a7 9 K\u00f6rperschaftsteuergesetz (KStG). Der </span></div><div class=\"ps32823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensgruppe gem\u00e4\u00df \u00a7 9 KStG geh\u00f6ren zum 31.12.2025 65 Gesellschaften (31.12.2024: 66 Gesellschaften) als </span></div><div class=\"ps32824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gruppenmitglieder (inklusive Gruppentr\u00e4ger) an. Wird vom Gruppenmitglied ein positives steuerliches Ergebnis erzielt, betr\u00e4gt </span></div><div class=\"ps32825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die zu leistende Steuerumlage f\u00fcr den entsteuerbaren Gewinnanteil 11,5 Prozent und f\u00fcr den nicht entsteuerbaren Gewinnanteil </span></div><div class=\"ps32826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">23 Prozent. Die positive Steuerumlage betr\u00e4gt au\u00dferdem 11,5 Prozent, soweit ein positives Ergebnis des Gruppenmitglieds den </span></div><div class=\"ps32827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Saldo auf dem Evidenzkonto (d. h. einem au\u00dferb\u00fccherlich gef\u00fchrten Konto, das der Gruppentr\u00e4ger f\u00fcr das Gruppenmitglied </span></div><div class=\"ps32828 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum Zwecke der Evidenthaltung von negativen Ergebnissen des Grupppenmitglieds und sp\u00e4teren Verrechnung mit positiven </span></div><div class=\"ps32829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnissen des Gruppenmitglieds f\u00fchrt) vermindert. Bei steuerlich negativen Ergebnissen entsteht eine Forderung des </span></div><div class=\"ps32830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gruppenmitglieds gegen\u00fcber dem Gruppentr\u00e4ger in H\u00f6he von 11,5 Prozent des negativen Ergebnisses. </span></div><div class=\"ps32831 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ende 2022 wurde die EU-Richtlinie zur Implementierung einer globalen Mindestbesteuerung von 15 Prozent auf Gewinne </span></div><div class=\"ps32832 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">multinationaler Unternehmen gem\u00e4\u00df dem Base Erosion and Profit Shifting-Projekt der OECD verabschiedet. In \u00d6sterreich wurde </span></div><div class=\"ps32833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Richtlinie mit dem Mindestbesteuerungsgesetz (MinBestG) umgesetzt. Im oben angef\u00fchrten Nettoertrag aus laufenden </span></div><div class=\"ps32834 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuern vom Einkommen und Ertrag von \u20ac 23.821 Tausend ist in diesem Zusammenhang ein Aufwand in H\u00f6he von </span></div><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 7.889 Tausend (2024: \u20ac 7.266 Tausend) enthalten</span><div class=\"ps32837 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Umgr\u00fcndungsergebnis<span id=\"i47fb254732204bb98514c1d48e16ffba\"></span></span></div><div class=\"ps32838 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Raiffeisen Bank International AG hielt \u00fcber Holdinggesellschaften Beteiligungen an mehreren \u00f6sterreichischen </span></div><div class=\"ps15197 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaften. Ziel eines Optimierungsprojektes im Jahr 2024 war es, die Holdingstruktur mittels Umgr\u00fcndungen zu </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vereinfachen. Als Ergebnis hat sich die Zahl der zwischengeschalteten Holdings verringert, was zu einer schlankeren und </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbersichtlicheren Eigent\u00fcmerstruktur f\u00fchrte. Umgesetzt wurde die Optimierung \u00fcber mehrere Umgr\u00fcndungsschritte im </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsjahr 2024 (Einbringungen, Auf- und Abw\u00e4rtsverschmelzungen) sowie Kapitalberichtigungen und Zusch\u00fcsse.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das im Gesch\u00e4ftsjahr 2024 ausgewiesene Umgr\u00fcndungsergebnis in H\u00f6he von \u20ac 164.185 Tausend ergab sich aus dem </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedsbetrag zwischen dem untergehenden Beteiligungsansatz an der RBI Beteiligungs GmbH und dem Saldo des </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcbernommenen Reinverm\u00f6gens. </span></div><div class=\"ps17128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Zweigstellen auf konsolidierter Basis<span id=\"i30e3f0b4e1e945218eddac6dc3ca51fa\"></span></span></div><div class=\"ps17307 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps32839\">Bratislava<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps32840\">Frankfurt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1119\">London<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16636 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps21818\">Peking<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17668 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps5902\">Singapur<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1496\">Warschau<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sitzstaat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7755\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps3225\">Deutschland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps32841\">Gro\u00dfbritannien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps13387 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps32842\">China<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11505 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10262\">Singapur<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps32843\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Nettozinsertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps23270\">-803<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16646 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16894\">868<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17678 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12635\">104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps6985\">36.445<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11011\">-14.179<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15113\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17704\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16651 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15658\">2.419<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17684 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12635\">104<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10738\">43.193<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Jahresergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10754\">-16.146<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps5283\">-1.845<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps18706\">-4.575<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16658 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps462\">-969<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17690 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10656\">-1.815<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9416\">-322.431<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22543 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps1721\">-237<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22544 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12562\">-56<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19931 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17704\">-72<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16664 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps71\">-175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22546 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22547 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Anzahl der Mitarbeiter (Durchschnitt)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22571 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12621\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22572 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17760\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19938 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22334\">12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22573 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps8018\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22574 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15110\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22575 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps19683\">333<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene \u00f6ffentliche Beihilfen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32844 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9442\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32845 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9442\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19944 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9442\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32846 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9442\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32847 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9442\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32848 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9442\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32866 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:158.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td><td style=\"border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1142\"><div><div class=\"ps264 ss97\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17665 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps32839\">Bratislava<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps16872 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps32840\">Frankfurt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps17667 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-1dbd4d87 ps6244\">London<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps22275 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-1dbd4d87 ps9432\">Peking<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps31967 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-1dbd4d87 ps5914\">Singapur<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps11502 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-1dbd4d87 ps1496\">Warschau<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Sitzstaat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17669 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps7755\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps16881 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps3225\">Deutschland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps17671 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps3263\">Gro\u00dfbritannien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32849 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11957\">China<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32850 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps13330\">Singapur<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11507 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps32843\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Nettozinsertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17674 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17675 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17677 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps10478\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32851 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps21212\">1.223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32852 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17755\">185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17679 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps10571\">75.674<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Betriebsertr\u00e4ge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17681 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9401\">-20.124<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17682 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15648\">29<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17683 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps30971\">154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32854 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps32853\">197<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32855 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17755\">185<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17685 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps16866\">83.879<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Jahresergebnis vor Steuern<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17687 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps11538\">-21.933<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17688 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps3172\">-1.889<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17689 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps6343\">-4.432<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32856 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps11473\">-3.438<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32857 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps1681\">-1.510<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17691 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps32858\">-653.645<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Steuern vom Einkommen und Ertrag<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22543 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps32859\">-278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22544 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps22605\">-51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19931 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps31719\">-105<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32860 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps9810\">-192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32861 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps17407\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22547 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps15181\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Anzahl der Mitarbeiter (Durchschnitt)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22571 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps12621\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22572 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps17760\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19938 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps26284\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32862 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps402\">15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32863 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps23997\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22575 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps498\">321<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1142\"><div><div class=\"ps31 ss97\"><span class=\"f charStyle-375ad3a6 ps30\">Erhaltene \u00f6ffentliche Beihilfen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32844 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9442\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32845 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9442\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19944 ss296\"><div><div class=\"ps31 ss111\"><span class=\"f charStyle-375ad3a6 ps6515\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32864 ss790\"><div><div class=\"ps31 ss622\"><span class=\"f charStyle-375ad3a6 ps21576\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32865 ss273\"><div><div class=\"ps31 ss259\"><span class=\"f charStyle-375ad3a6 ps10509\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32848 ss821\"><div><div class=\"ps31 ss99\"><span class=\"f charStyle-375ad3a6 ps9442\">Keine<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bez\u00fcglich der Gesch\u00e4ftsbereiche, in denen die Zweigstellen t\u00e4tig sind, verweisen wir auf das Kapitel Zweigstellen und <span class=\"f ps24\"> </span></span></div><div class=\"ps32868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Repr\u00e4sentanzen im Lagebericht. </span></div><div class=\"ps32869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Gesamtkapitalrentabilit\u00e4t<span id=\"ia110b7337f2740d5b89f07a832c25eb2\"></span></span></div><div class=\"ps32870 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Gesamtkapitalrentabilit\u00e4t (Jahresergebnis nach Steuern geteilt durch die durchschnittliche Bilanzsumme) betr\u00e4gt im Jahr </span></div><div class=\"ps32871 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 1,13 Prozent (2024: 0,37 Prozent).</span></div><div class=\"ps32872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Gewinnverteilung aus 2024<span id=\"id8953d1aefa74e7a804ae3a37d567569\"></span></span></div><div class=\"ps32873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die ordentliche Hauptversammlung beschloss am 26. M\u00e4rz 2025 die Aussch\u00fcttung einer Dividende in H\u00f6he von \u20ac </span><span class=\"f charStyle-9eccfdcb ps934\">1,10</span><span class=\"f charStyle-9eccfdcb ps935\"> je </span></div><div class=\"ps32874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dividendenberechtigter Aktie f\u00fcr das Gesch\u00e4ftsjahr 2024. Dies entspricht einer Aussch\u00fcttungssumme in H\u00f6he von \u20ac 360.681.550. </span></div><div class=\"ps32875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Gewinnverteilungsvorschlag<span id=\"i7afc90899dff48e5ac7b4416d1aadac1\"></span></span></div><div class=\"ps32876 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand wird der Hauptversammlung am 9. April 2026 die Aussch\u00fcttung einer Dividende von \u20ac </span><span class=\"f charStyle-9eccfdcb ps938\">1,60</span><span class=\"f charStyle-9eccfdcb ps939\"> je Aktie vorschlagen. <span class=\"f ps24\"> </span></span></div><div class=\"ps32877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Daraus w\u00fcrde sich auf Basis der ausgegebenen Aktien ein Betrag von rund \u20ac <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps941\">525</span><span class=\"f charStyle-9eccfdcb ps942\"> Millionen errechnen.</span></div><span class=\"f charStyle-5ce759ba ps26\">Sonstiges<span id=\"if7bf3151d29445ab89041103f221cad6\"></span></span><div class=\"ps2489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beziehungen zu nahestehenden Unternehmen und Personen beschr\u00e4nken sich auf Bankgesch\u00e4fte, die zu markt\u00fcblichen </span></div><div class=\"ps18323 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konditionen abgeschlossen wurden.</span></div><div class=\"ps18324 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr waren durchschnittlich 3.938 (2024: 3.870) Angestellte besch\u00e4ftigt.</span></div><div class=\"ps32878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Aufwendungen f\u00fcr Abfertigungen und Pensionen <span id=\"i7280c28b6ca248a789fa8b774b78c3d9\"></span></span></div><div class=\"ps32879 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps20038\">Pensionen<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps264 ss127\"><span class=\"f charStyle-1dbd4d87 ps25148\">Abfertigungen<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps264 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Vorstandsmitglieder und leitende Angestellte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9390\">6.958<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18111\">4.819<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19410\">-1.948<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10764\">1.377<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Arbeitnehmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15125\">-8.025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8779\">4.305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8839\">8.845<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15111\">10.361<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17695\">-1.067<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17909\">9.125<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17450\">6.897<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4132\">11.738<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abfertigungs- bzw. Pensionsaufwendungen aus R\u00fcckstellungen inkludieren auch Effekte aus der Ver\u00e4nderung von </span></div><div class=\"ps32881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versicherungsmathematischen Parametern, welche bei der R\u00fcckstellungsermittlung Anwendung finden sowie Zinseffekte. Die <span class=\"f ps24\"> </span></span></div><div class=\"ps15863 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">versicherungsmathematischen Gewinne im Gesch\u00e4ftsjahr 2025 ergaben sich aus gesunkenen pensions- bzw. </span></div><div class=\"ps15864 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abfertigungswirksamen Gehaltssteigerungen sowie gestiegenen Rechnungszinss\u00e4tzen. Beide Parameter wirken </span></div><div class=\"ps32882 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">r\u00fcckstellungsvermindernd und sind in obiger Tabelle enthalten. </span></div><div class=\"ps32883 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Organe<span id=\"i10970ac05fe74d72bf827945c499176c\"></span></span></div><div class=\"ps32884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Vorstand<span id=\"icdf1399d40b94f07b2a9b24837a8c492\"></span></span></div><div class=\"ps32885 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:120.75pt\"></td><td style=\"padding:0;width:120.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">Vorstandsmitglieder<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26539 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Erstbestellung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26085 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Ende der Funktionsperiode<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Johann Strobl, Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25750 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28652 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">30. Juni 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Marie-Valerie Brunner<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26543 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. November 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26088 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. Oktober 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Andreas Gschwenter<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25755 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. Juli 2015<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28653 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">30. Juni 2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Lic. Mgr. \u0141ukasz Januszewski<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-f7293bcd ps30\">1. M\u00e4rz 2018</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28654 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">30. April 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Kamila Makhmudova, LL.M. MBA<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26548 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-f7293bcd ps30\">1. J\u00e4nner 2026</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28655 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. Dezember 2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Hannes M\u00f6senbacher<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26552 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">18. M\u00e4rz 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28656 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">28. Februar 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Andrii Stepanenko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26556 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. M\u00e4rz 2018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28657 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">28. Februar 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Aufsichtsrat beschloss eine Neuausrichtung der Ressortverteilung im Vorstand und berief im Oktober 2025 zwei neue </span></div><div class=\"ps32887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitglieder in den Vorstand: Die CFO-Funktion ist seit 1. J\u00e4nner 2026 wieder ein eigenes Vorstandsressort und wird von Kamila </span></div><div class=\"ps32888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Makhmudova, LL.M. MBA wahrgenommen. Neues Vorstandsmitglied f\u00fcr CIB Products &amp; Solutions ist Mag. Rainer Schnabl, der </span></div><div class=\"ps32889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">am 1. M\u00e4rz 2026 die Nachfolge von Lic. Mgr. \u0141ukasz Januszewski antritt. Weiters entschied der Aufsichtsrat, die Position des </span></div><div class=\"ps32890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CEO per 1. Juli 2026 mit Mag. Michael H\u00f6llerer neu zu besetzen sowie die Funktionsperiode des Vorstandsmitglieds Mag. </span></div><div class=\"ps32891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Andreas Gschwenter bis zum 30. Juni 2029 zu verl\u00e4ngern. Die Steuerung des Gesch\u00e4ftsbereichs Retail erfolgt nach dem </span></div><div class=\"ps32892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auslaufen des Vorstandsmandats von Andrii Stepanenko am 28. Februar 2026 durch den CEO.</span></div><div class=\"ps3886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Aufsichtsrat<span id=\"i76572b3e4c7145968c202a5efda06469\"></span></span></div><div class=\"ps16567 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse: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:120.75pt\"></td><td style=\"padding:0;width:120.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-1dbd4d87 ps30\">Aufsichtsratsmitglieder<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26539 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Erstbestellung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26085 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Ende der Funktionsperiode<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Erwin Hameseder, Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps25750 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps28652 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">MMag. Martin Schaller, 1. stellvertretender Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26543 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">4. Juni 2014<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26088 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2029<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Reinhard Schwendtbauer, 2. stellvertretender Vorsitzender<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25755 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">26. M\u00e4rz 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28653 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-f7293bcd ps30\">Dr. Heinrich Schaller, 2. stellvertretender Vorsitzender</span><span class=\"f charStyle-cc4ae03e ps28667\"><span class=\"f ps24\"> </span><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25829 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">20. Juni 2012<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28654 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Michael Alge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26548 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. M\u00e4rz 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28655 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Univ.-Prof. Dr. Eva Eberhartinger, LL.M.<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26552 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28656 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Dr. Andrea Gaal<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26556 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">21. Juni 2018<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28657 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Michael H\u00f6llerer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28668 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">31. M\u00e4rz 2022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28669 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2026<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Rudolf K\u00f6nighofer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28670 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28671 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Dr. Heinz Konrad<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28672 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">20. Oktober 2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28673 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-f7293bcd ps30\">Dr. Reinhard Mayr</span><span class=\"f charStyle-cc4ae03e ps28674\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28675 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">20. Oktober 2020<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28676 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Birgit Noggler<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28677 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28678 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2027<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Dr. Christof Splechtna<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28679 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">26. M\u00e4rz 2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28680 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2030<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-375ad3a6 ps30\">Mag. Manfred Wilhelmer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25796 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">21. November 2023<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28681 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Ordentl. Hauptversammlung 2028<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Dr. Natalie Egger-Grunicke</span><span class=\"f charStyle-ef1a5293 ps28682\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25800 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">18. Februar 2016<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28683 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Peter Anzeletti-Reikl</span><span class=\"f charStyle-ef1a5293 ps28684\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25804 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28685 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Rudolf Kortenhof</span><span class=\"f charStyle-ef1a5293 ps28686\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25808 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28687 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps239 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. (FH) Gebhard Muster</span><span class=\"f charStyle-ef1a5293 ps28688\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25812 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">22. Juni 2017<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28689 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps251 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Helge Rechberger</span><span class=\"f charStyle-ef1a5293 ps28690\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28691 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">10. Oktober 2010<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28692 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps266 ss1462\"><div><div class=\"ps31 ss1461\"><span class=\"f charStyle-6d404c82 ps30\">Mag. Denise Simek</span><span class=\"f charStyle-ef1a5293 ps28693\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28694 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">1. Oktober 2021<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps28695 ss1443\"><div><div class=\"ps31 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">Bis auf Weiteres<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"3\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps276 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Ausgeschieden mit der ordentlichen Hauptversammlung 2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"3\" style=\"padding:0\"><div class=\"ps14394 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">2 Vom Betriebsrat entsendet<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Staatskommiss\u00e4re <span id=\"i7d591e5a41244080a44488f5326b4f64\"></span></span></div><div class=\"ps32895 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps17\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Mag. Johann Kinast, Staatskommiss\u00e4r (seit 1. Juni 2024)</span></div><div class=\"ps32896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps17\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Mag. Matthias Falkensteiner-Kudweis, Staatskommiss\u00e4r-Stellvertreter (seit 1. April 2021)</span></div><div class=\"ps32897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Bez\u00fcge des Vorstands<span id=\"iee28b78662bd424da33a816850a8411f\"></span></span></div><div class=\"ps26127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">An den Vorstand wurden folgende Bez\u00fcge bezahlt:</span></div><div class=\"ps32899 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps264 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Fixe Bez\u00fcge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">4.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4123\">4.922<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Boni (erfolgsabh\u00e4ngig)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18517\">4.131<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20170\">3.423<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Zahlungen an Pensionskassen und R\u00fcckdeckungsversicherungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18822\">418<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25861\">411<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige Bez\u00fcge<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26455\">1.286<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18384\">1.223<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps32898\">10.511<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26274\">9.979<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1562\"><div><div class=\"ps5730 ss286\"><span class=\"f charStyle-6d404c82 ps1864\">hievon Bez\u00fcge von verbundenen Unternehmen (Aufsichtsratsverg\u00fctungen)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4137 ss1563\"><div><div class=\"ps5730 ss129\"><span class=\"f charStyle-375ad3a6 ps21319\">1.147<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4139 ss1563\"><div><div class=\"ps5730 ss129\"><span class=\"f charStyle-375ad3a6 ps17950\">1.041<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die in der Tabelle dargestellten fixen Bez\u00fcge enthalten Geh\u00e4lter und Sachbez\u00fcge. </span></div><div class=\"ps15018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erfolgsabh\u00e4ngigen Bestandteile der Vorstandsbez\u00fcge umfassen Bonuszahlungen. Bei den oben ausgewiesenen Boni </span></div><div class=\"ps15019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">handelt es sich um sofort f\u00e4llige Anteile des Bonus f\u00fcr das Jahr 2024 und verschobene Bonusanteile f\u00fcr Vorjahre. F\u00fcr Leistungen </span></div><div class=\"ps15020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Gesch\u00e4ftsjahr 2025 wurden f\u00fcr Vorstandsmitglieder \u20ac 4.491 Tausend an Bonus r\u00fcckgestellt, wovon \u20ac 898 Tausend. im </span></div><div class=\"ps15023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsjahr 2026 und \u20ac 3.593 Tausend in Folgejahren zur Auszahlung kommen (siehe Details zur Bildung von </span></div><div class=\"ps15027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bonusr\u00fcckstellungen im Kapitel Bilanzierungs- und Bewertungsmethoden). </span></div><div class=\"ps32900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bonusvereinbarung ist an die Erreichung j\u00e4hrlich vereinbarter Ziele gekn\u00fcpft. Die jeweiligen Step-In Kriterien sowie die </span></div><div class=\"ps32901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">individuellen Leistungsziele sind der aktuellen Verg\u00fctungspolitik sowie dem Verg\u00fctungsbericht zu entnehmen </span></div><div class=\"ps32902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(www.rbinternational.com \u2192 Corporate Governance &amp; Verg\u00fctung \u2192 Verg\u00fctungspolitik). </span></div><div class=\"ps32903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die H\u00f6he des Bonus bestimmt sich nach der Eigenkapitalrendite und der Cost/Income Ratio, wobei die zu erreichenden <span class=\"f ps24\"> </span></span></div><div class=\"ps32904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zielwerte vom mittelfristigen RoE-Ziel des Konzerns abgeleitet wurden. Die Auszahlung erfolgt nach den geltenden </span></div><div class=\"ps32905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestimmungen des BWG, umgesetzt in den internen Regelungen. </span></div><div class=\"ps32906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen Bez\u00fcge umfassen Entgelte f\u00fcr Organfunktionen bei verbundenen Unternehmen, Versicherungen und Zusch\u00fcsse.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">An ehemalige Mitglieder des Vorstands und ihre Hinterbliebenen wurden im Gesch\u00e4ftsjahr \u20ac 1.601 Tausend an </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Versorgungsleistungen ausbezahlt (Vorjahr: \u20ac 1.610 Tausend). Zus\u00e4tzlich zu diesen Betr\u00e4gen wurden kurzfristig f\u00e4llige </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen und zeitlich verschobene Bonusanteile an ehemalige Mitglieder des Vorstands sowie Abfertigungszahlungen und </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leistungen aus Anlass der Beendigung in H\u00f6he von insgesamt \u20ac 448 Tausend (Vorjahr: \u20ac 813 Tausend) bezahlt.</span><span class=\"f charStyle-9eccfdcb ps32907\"> </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich zu den oben dargestellten Betr\u00e4gen bestehen Aufwendungen in H\u00f6he von \u20ac 6.450 Tausend (31.12.2024: \u20ac 4.807 </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) als Anteile der Bonusr\u00fcckstellung, die verschobene Bonusanteile in bar sowie zur\u00fcckbehaltene, in Instrumenten </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zahlbare Teile betreffen. Bei Letzteren werden auch die Bewertungs\u00e4nderungen infolge von Kursschwankungen ber\u00fccksichtigt.</span></div><div class=\"ps32908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Bez\u00fcge des Aufsichtsrats<span id=\"ic3c05c30fcd44916a8493e7d12629089\"></span></span></div><div class=\"ps32909 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Bez\u00fcge Aufsichtsrat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18111\">1.489<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.55pt\"></span></span><span class=\"ps10783\">1.397<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Hauptversammlung am 4. April 2024 wurde ein Verg\u00fctungsmodell f\u00fcr den Aufsichtsrat, beginnend mit 1. April 2024 und </span></div><div class=\"ps32911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Folgejahre beschlossen, sofern die Hauptversammlung k\u00fcnftig nichts Gegenteiliges beschlie\u00dft.</span></div><div class=\"ps32912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es wurde folgende Verteilung der Verg\u00fctungen festgelegt:</span></div><div class=\"ps32913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr den Aufsichtsrat-Vorsitz \u20ac 160 Tausend</span></div><div class=\"ps32914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr die Stellvertreter des/der Aufsichtsratsvorsitzenden jeweils \u20ac 110 Tausend<span class=\"f ps24\"> </span></span></div><div class=\"ps32915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr jedes weitere gew\u00e4hlte Mitglied des Aufsichtsrats jeweils \u20ac 70 Tausend</span></div><div class=\"ps32916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr die Vorsitzenden des Pr\u00fcfungsausschusses sowie des Risikoausschusses jeweils zus\u00e4tzlich \u20ac 20 Tausend<span class=\"f ps24\"> </span></span></div><div class=\"ps32917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr den Vorsitz im Digitalisierungsausschuss zus\u00e4tzlich \u20ac 10 Tausend</span></div><div class=\"ps32918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entsprechend der Dauer des jeweiligen Aufsichtsratsmandats wird die j\u00e4hrliche Verg\u00fctung f\u00fcr das jeweilige Gesch\u00e4ftsjahr <span class=\"f ps24\"> </span></span></div><div class=\"ps32919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aliquot oder zur G\u00e4nze zugeteilt. Jedem gew\u00e4hlten Mitglied des Aufsichtsrats wird zus\u00e4tzlich f\u00fcr die Teilnahme an einer </span></div><div class=\"ps32920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sitzung ein Sitzungsgeld in H\u00f6he von \u20ac 1,2 Tausend gew\u00e4hrt.<span class=\"f ps24\"> </span></span></div><div class=\"ps32921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 wurden keine zustimmungspflichtigen Vertr\u00e4ge im Sinn von \u00a7 95 Abs 5 Z 12 AktG mit </span></div><div class=\"ps32922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsratsmitgliedern abgeschlossen. </span></div><div class=\"ps32924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Bez\u00fcge des Beirats (L\u00e4nderkuratorium)<span id=\"i326fb547928c4b90800f687736c5e6f7\"></span></span></div><div class=\"ps32925 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Bez\u00fcge Beirat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17454\">201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18460\">193<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Hauptversammlung am 21. Juni 2018 wurde ein Verg\u00fctungsmodell f\u00fcr den Beirat, beginnend mit 1. Januar 2017 und die </span></div><div class=\"ps32926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Folgejahre beschlossen, sofern die Hauptversammlung k\u00fcnftig nichts Gegenteiliges beschlie\u00dft.</span></div><div class=\"ps21436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es wurde folgende Verteilung der Verg\u00fctungen festgelegt:</span></div><div class=\"ps32927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr den Beiratsvorsitz \u20ac 25 Tausend<span class=\"f ps24\"> </span></span></div><div class=\"ps32928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr den Stellvertreter des Beiratsvorsitzenden \u20ac 20 Tausend</span></div><div class=\"ps16460 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00fcr jedes weitere Mitglied des Beirats jeweils \u20ac 15 Tausend<span class=\"f ps24\"> </span></span></div><div class=\"ps32929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entsprechend der Dauer des jeweiligen Beiratsmandats wird die j\u00e4hrliche Verg\u00fctung f\u00fcr das jeweilige Gesch\u00e4ftsjahr aliquot </span></div><div class=\"ps16462 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">oder zur G\u00e4nze zugeteilt. Jedem Mitglied des Beirats wird zus\u00e4tzlich f\u00fcr die Teilnahme an einer Sitzung ein Sitzungsgeld in H\u00f6he </span></div><div class=\"ps16463 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 1 Tausend gew\u00e4hrt.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Mitgliedern des Vorstands und Aufsichtsrats gew\u00e4hrte Kredite, Zusch\u00fcsse <span id=\"i72a94b04432d46f1b0796305a482ab93\"></span></span></div><div class=\"ps16930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">sowie sonstige Rechtsgesch\u00e4fte</span></div><div class=\"ps16931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beziehungen von Vorstands- und Aufsichtsratsmitgliedern zur RBI AG stellen sich wie folgt dar: </span></div><div class=\"ps32931 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:321.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps18379\">2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Schuldverschreibungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:44.11pt\"></span></span><span class=\"ps16746\">1.911<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.25pt\"></span></span><span class=\"ps19236\">1.554<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Aktien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:41.41pt\"></span></span><span class=\"ps32930\">6.533<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.33pt\"></span></span><span class=\"ps18384\">3.516<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Einlagen und sonstige Forderungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:42.62pt\"></span></span><span class=\"ps20166\">1.207<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.43pt\"></span></span><span class=\"ps25843\">641<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Kredite und sonstige Verbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:46.39pt\"></span></span><span class=\"ps23235\">184<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:45.58pt\"></span></span><span class=\"ps20245\">204<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss287\"><div><div class=\"ps31 ss286\"><span class=\"f charStyle-375ad3a6 ps30\">Leasingverbindlichkeiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:50.19pt\"></span></span><span class=\"ps20118\">\u2014<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps30\"><span style=\"display:inline-block;height:4.56pt;width:49.69pt\"></span></span><span class=\"ps1202\">13<span style=\"display:inline-block;height:4.56pt;width:1.57pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28 ss0\" style=\"font-size:32pt\"><span class=\"f charStyle-736311c3 ps17\">\u00b7 </span><span class=\"f charStyle-5ce759ba ps26\">Ereignisse nach dem <span id=\"ie530709aab594566a3d347caf115f892\"></span></span></div><div class=\"ps912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Bilanzstichtag</span></div><div class=\"ps955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Es liegen keine wesentlichen Ereignisse nach Ende der Berichtsperiode vor.</span></div><div class=\"ps32935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30214\">S</span><span class=\"f charStyle-9eccfdcb ps30259\">igniert von:</span></div><div class=\"ps32937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30217\">Wien, am 17. Februar 2026</span></div><div class=\"ps32938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30220\">Der Vorstand<span class=\"f ps24\"> </span></span></div><div class=\"ps32940 ss0\"><div class=\"ss1512 ws0 ps30235\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:221.25pt\"></td><td style=\"padding:0;width:221.25pt\"></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps12 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20956\">Dr. Johann Strobl e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps24023\">Vorsitzender des Vorstands, CEO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps5429 ss1511\"><div><div class=\"ps30229 ss1510\"><span class=\"f charStyle-7627a8a6 ps30228\">Mag. Marie-Valerie Brunner e.h.</span></div><div class=\"ps30230 ss1510\"><span class=\"f charStyle-7627a8a6 ps23769\"> Mitglied des Vorstands, CIB Customer Coverage und </span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps30231\">CIB Products &amp; Solutions</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps30232 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps18774\">Mag. Andreas Gschwenter e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps20083\">Mitglied des Vorstands, COO/CIO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30233 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps22200\">Kamila Makhmudova, LL.M. MBA e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps808\">Mitglied des Vorstands, CFO</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps11755 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20560\">Dr. Hannes M\u00f6senbacher e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps28357\">Mitglied des Vorstands, CRO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30234 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps28167\">Dr. Andrii Stepanenko e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps12626\">Mitglied des Vorstands, Retail Banking</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps30728 ss0\" style=\"font-size:32pt\"><span class=\"f charStyle-b36b224a ps17\">\u00b7</span><span class=\"f charStyle-736311c3 ps2238\"> </span><span class=\"f charStyle-9eccfdcb ps26\"> </span><span class=\"f charStyle-5ce759ba ps27\">Entwicklung der M\u00e4rkte<span id=\"i65db39916cbd4f28a46e505893bf91e1\"></span></span></div><div class=\"ps32941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Industrie und Handelspolitik Gegenwind f\u00fcr Europas Konjunktur<span id=\"i8679d46d1a5e4889a8754d925fd5eaef\"></span></span></div><div class=\"ps32942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Jahr 2025 war gepr\u00e4gt von diversen geopolitischen Unsicherheiten. Die im April angek\u00fcndigten US-Z\u00f6lle versch\u00e4rften die </span></div><div class=\"ps32943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">handelspolitischen Spannungen. In den USA schw\u00e4chte sich die Konjunkturdynamik zwar ab, das Wachstumstempo war damit </span></div><div class=\"ps32944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber immer noch weit von einer Rezession entfernt. Auch wenn die Industrie im Jahresverlauf Stabilisierungstendenzen zeigte, </span></div><div class=\"ps32945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bekamen in Westeuropa insbesondere industrielastige L\u00e4nder wie Deutschland oder \u00d6sterreich weiterhin den konjunkturellen </span></div><div class=\"ps32946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenwind zu sp\u00fcren, w\u00e4hrend dienstleistungsorientierte Volkswirtschaften eine \u00fcberdurchschnittliche Dynamik aufwiesen. </span></div><div class=\"ps32947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Den meisten Volkswirtschaften der CE/SEE-Region gelang es, der Industrieschw\u00e4che eine solide Konsum- und </span></div><div class=\"ps32948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investitionsdynamik entgegenzusetzen. Mit der Ank\u00fcndigung umfangreicher R\u00fcstungs- und Infrastrukturinvestitionen in </span></div><div class=\"ps32949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Deutschland sowie Frankreichs angespannter Haushaltslage standen in Europa zudem fiskalpolitische Themen im Fokus. Diese </span></div><div class=\"ps32950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklungen fanden auch auf den Staatsanleihem\u00e4rkten ihren Niederschlag und f\u00fchrten zu steigenden Renditen bzw. </span></div><div class=\"ps32951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoaufschl\u00e4gen. Die Inflation in der Eurozone pendelte sich im Jahresverlauf bei etwa zwei Prozent ein, w\u00e4hrend die </span></div><div class=\"ps32952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teuerung in \u00d6sterreich gegen den allgemeinen Trend 2025 wieder anstieg. Die EZB beendete daraufhin im Juni ihre </span></div><div class=\"ps4888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schrittweisen Zinssenkungen und hielt bis Jahresende das Leitzinsniveau stabil. Die US-Notenbank f\u00fchrte angesichts der </span></div><div class=\"ps4889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unsicherheit, wie sich die US-Z\u00f6lle auf die Verbraucherpreise auswirken w\u00fcrden, den 2024 begonnenen Zinssenkungszyklus 2025 </span></div><div class=\"ps32953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zun\u00e4chst nicht fort. Geringere inflation\u00e4re Auswirkungen der Z\u00f6lle, insbesondere aber eine st\u00e4rkere Eintr\u00fcbung des US-</span></div><div class=\"ps32954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Arbeitsmarktes veranlassten die US-Notenbank jedoch im Herbst zu einer Wiederaufnahme der Zinssenkungen. </span></div><div class=\"ps32955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Wirtschaftsentwicklung der </span><span class=\"f charStyle-283ba53a ps707\">Eurozone </span><span class=\"f charStyle-9eccfdcb ps708\">pr\u00e4sentierte sich im Jahr 2025 ungeachtet des schwierigen globalen Umfelds (US-</span></div><div class=\"ps32956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Z\u00f6lle) erstaunlich robust. Trotz vor\u00fcbergehender Schwankungen angesichts der volatilen Entwicklung der US-Exporte konnte </span></div><div class=\"ps32957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Eurozone im Vergleich zum Vorjahr an Konjunkturdynamik leicht zulegen. Als Hauptst\u00fctze der Wirtschaft agierte dabei </span></div><div class=\"ps32958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiterhin der Dienstleistungssektor, die Industrie konnte indessen mit einer Verbesserung ausgehend von einem niedrigen </span></div><div class=\"ps32959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Niveau aufwarten. Vor diesem Hintergrund hatte die nationale Divergenz innerhalb der Eurozone weiterhin Bestand, </span></div><div class=\"ps32960 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dienstleistungsorientierte Volkswirtschaften wie Spanien konnten abermals klar bessere Dynamiken verbuchen als ihre </span></div><div class=\"ps32961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">industrielastigen Pendants, zu denen Deutschland z\u00e4hlt. Die Lage am Arbeitsmarkt der Eurozone blieb resilient mit niedriger </span></div><div class=\"ps32962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Arbeitslosenquote und solidem Besch\u00e4ftigungsstand. Die Inflation vollzog im Jahresverlauf ihre R\u00fcckkehr zum Zwei-Prozent-</span></div><div class=\"ps32963 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ziel, getrieben durch eine Abnahme des zuvor persistenten Aufw\u00e4rtsdrucks auf die Kerndienstleistungspreise.</span></div><div class=\"ps32964 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die </span><span class=\"f charStyle-283ba53a ps718\">EZB</span><span class=\"f charStyle-9eccfdcb ps719\"> senkte im ersten Halbjahr 2025 den Einlagesatz um 100 Basispunkte. Seit Juni 2025 liegt der EZB-Einlagesatz somit bei 2 </span></div><div class=\"ps32965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent. W\u00e4hrend der Zinssenkungszyklus ein Ende fand, setzte sich die Bilanzreduktion der EZB weiter fort. Die </span></div><div class=\"ps32966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleihebest\u00e4nde wurden in beiden Anleihekaufprogrammen bei F\u00e4lligkeit nicht mehr reinvestiert, wodurch sich die </span></div><div class=\"ps32967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsversorgung im Euroraum zwar verringerte, aber immer noch ausreichend blieb. Somit kam es zu keinen </span></div><div class=\"ps32968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwerfungen an den Geldm\u00e4rkten. Die Euribor-Geldmarkts\u00e4tze stabilisierten sich knapp \u00fcber 2 Prozent, nachdem sie im Zuge </span></div><div class=\"ps32969 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Zinssenkungszyklus einem Abw\u00e4rtstrend gefolgt waren. Am Markt f\u00fcr deutsche Bundesanleihen war nicht nur der </span></div><div class=\"ps32970 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geldpolitische Ausblick pr\u00e4gend. Vor allem die ver\u00e4nderte Fiskalpolitik Deutschlands pr\u00e4gte den Rentenmarkt, aber auch die US-</span></div><div class=\"ps32971 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zollpolitik fand ihren Niederschlag. In Summe zeichnete sich das Jahr 2025 in Europa vor allem durch eine Versteilerung der </span></div><div class=\"ps32972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geld- und Renditestrukturkurven aus. </span></div><div class=\"ps32973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach zwei Rezessionsjahren in Folge schaffte die </span><span class=\"f charStyle-283ba53a ps729\">\u00f6sterreichische Konjunktur</span><span class=\"f charStyle-9eccfdcb ps730\"> 2025 die R\u00fcckkehr auf den Wachstumspfad. Mit </span></div><div class=\"ps32974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem BIP-Wachstum von 0,6 Prozent geh\u00f6rte \u00d6sterreich aber weiterhin zu den konjunkturellen Schlusslichtern der Eurozone. </span></div><div class=\"ps32975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Konjunkturdynamik blieb das ganze Jahr \u00fcber verhalten. Ma\u00dfgebliche Impulse kamen vom privaten und \u00f6ffentlichen </span></div><div class=\"ps32976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsum, w\u00e4hrend sich der Au\u00dfenhandel als Wachstumsbremse erwies. W\u00e4hrend die Rezession in der Industrie 2025 auslief, </span></div><div class=\"ps32977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">setzte sich der Abw\u00e4rtstrend in der Bauwirtschaft fort. Anders als in der Eurozone war die Inflation 2025 deutlich h\u00f6her als im </span></div><div class=\"ps32978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr davor. Die fortgesetzt hohe Dienstleistungsinflation sowie das Auslaufen befristeter Eingriffe im Energiemarkt waren </span></div><div class=\"ps32979 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">daf\u00fcr verantwortlich. </span></div><div class=\"ps32980 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">CEE: Gro\u00dfe Unterschiede innerhalb der Region<span id=\"idb628a8578944b46a8274b5d4e874969\"></span></span></div><div class=\"ps32981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgrund der handelspolitischen Offenheit und der Wirtschaftsstruktur der </span><span class=\"f charStyle-283ba53a ps739\">zentraleurop\u00e4ischen L\u00e4nder (CE) </span><span class=\"f charStyle-9eccfdcb ps740\">wirkten sich die </span></div><div class=\"ps32982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">US-Zollthematik sowie die schleppende wirtschaftliche Entwicklung Deutschlands d\u00e4mpfend auf das Wachstum aus. Dennoch </span></div><div class=\"ps32983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zeigten Polen, das seit der zweiten Jahresh\u00e4lfte 2025 von einer Beschleunigung der NGEU-Mittelauszahlungen profitiert, sowie </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tschechien eine widerstandsf\u00e4hige Entwicklung. Die starke Exportabh\u00e4ngigkeit und die Verflechtung mit der deutschen </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Automobilindustrie bei gleichzeitig zur\u00fcckhaltendem Konsum bremsten Ungarn und die Slowakei aus. Die slowakische </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konjunktur wurde zudem durch fiskalische Konsolidierung negativ beeinflusst. </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In </span><span class=\"f charStyle-283ba53a ps747\">S\u00fcdosteuropa (SEE)</span><span class=\"f charStyle-9eccfdcb ps748\"> lag das Wachstum \u00fcber dem Niveau der Eurozone, wobei einige stark wachsende Volkswirtschaften </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hervorstachen. So profitierten Albanien und Kroatien von anhaltend robustem Tourismus und Konsum. Gleichzeitig traten in </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen L\u00e4ndern Schw\u00e4chen zutage: Serbien verzeichnete aufgrund niedrigerer Investitionen ein vergleichsweise verhaltenes </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wachstum, w\u00e4hrend Rum\u00e4niens Wirtschaft unter fiskalischer Konsolidierung litt und damit zum Nachz\u00fcgler der Region wurde. </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In Bosnien und Herzegowina kamen lokale politische Probleme zum ohnehin schwierigen globalen Umfeld hinzu. Die hartn\u00e4ckige </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inflation und die Unsicherheit wirkten sich ebenfalls d\u00e4mpfend auf den Konsum aus, dem jedoch ein robuster Arbeitsmarkt </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcberstand. Sowohl erste Auszahlungen im Rahmen des Wachstumsplans f\u00fcr den Westbalkan als auch die NGEU-Fonds </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">machten die EU auch 2025 zu einem wichtigen Faktor f\u00fcr Investitionen in der Region.</span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Jahr 2025 belastete der anhaltende Krieg die </span><span class=\"f charStyle-283ba53a ps759\">ukrainische Wirtschaft </span><span class=\"f charStyle-9eccfdcb ps760\">weiter erheblich. Zunehmende Angriffe auf zivile Ziele, </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Energieinfrastruktur sowie auf Industrien zur Gewinnung von Ressourcen wie Erdgas stellten gro\u00dfe Herausforderungen dar </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und erh\u00f6hten den Bedarf an Energieimporten. Trotz dieser Widrigkeiten zeigte die Wirtschaft eine bemerkenswerte </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Widerstands- und Anpassungsf\u00e4higkeit. Die externe Unterst\u00fctzung bildete auch ohne direkte Hilfe der USA eine wichtige </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundlage f\u00fcr die ukrainische Resilienz. </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Abk\u00fchlung der </span><span class=\"f charStyle-283ba53a ps766\">russischen Wirtschaft </span><span class=\"f charStyle-9eccfdcb ps767\">war 2025 deutlich sp\u00fcrbar. Fehlende Investitionen, bedingt durch hohe Zinsen und </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sanktionen, stellten wachsende Belastungen dar. Gleichzeitig f\u00fchrte die geringere inl\u00e4ndische Nachfrage zu einem R\u00fcckgang </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Inflation, was der Zentralbank Spielraum verschaffte, den Zinssenkungszyklus einzuleiten.</span></div><div class=\"ps32986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Entwicklung des realen BIP \u2013 Ver\u00e4nderung zum <span id=\"iec5946eeb80a4843b5020ce371ec77c7\"></span></span></div><div class=\"ps32987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Vorjahr in Prozent </span></div><div class=\"ps32992 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Region/Land<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps18380\">2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps15181\">2025e<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps8899\">2026f<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps17344\">2027f<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1123\">3,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21598\">3,6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1141\">3,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26335\">3,1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Slowakei<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20156\">1,9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">0,8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20146\">1,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26390\">1,7<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18455\">1,1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32988\">2,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26372\">2,2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26964\">2,6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ungarn<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22116\">0,6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13932\">0,4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21604\">1,8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22146\">2,3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Zentraleuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps32989\">2,1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21594\">2,6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1162\">2,8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1162\">2,8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Albanien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13932\">4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21605\">3,7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22207\">3,8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21598\">3,9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bosnien und Herzegowina<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22146\">3,2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21445\">2,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32988\">2,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26979\">2,8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kroatien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22207\">3,8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22146\">3,2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26964\">2,6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32988\">2,5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kosovo<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22117\">4,6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32990\">3,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21598\">3,9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13932\">4,0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22116\">0,9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22115\">0,8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26335\">1,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32988\">2,5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Serbien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21598\">3,9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21445\">2,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26979\">2,8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1123\">3,0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">S\u00fcdosteuropa<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps31414\">2,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26372\">1,8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps32989\">2,1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps1162\">2,8<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps183 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Russland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26603 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps32991\">4,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8209\">0,9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8209\">0,9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8209\">0,9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps195 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Ukraine<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26604 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps21594\">2,9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps32989\">2,1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps32991\">3,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20259\">4,5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps207 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26606 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23724\">-0,7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8209\">0,6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26377\">1,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26394\">1,3<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps220 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Eurozone<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26607 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8209\">0,9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26608 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26377\">1,4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26377\">1,4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20256\">1,9<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"5\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps233 ss289\"><div><div class=\"ps877 ss7\" style=\"font-size:12pt\"><span class=\"f charStyle-073efae3 ps30\">Quelle: Raiffeisen Research, Stand Anfang Februar 2026 (e: Sch\u00e4tzung, f: Prognose), f\u00fcr bereits abgeschlossene Jahre sind nachtr\u00e4gliche Revisionen m\u00f6glich</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps32994 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Bankensektor in \u00d6sterreich <span id=\"ic7d8a48d107f47979b4edc19e8971490\"></span></span></div><div class=\"ps32995 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der \u00f6sterreichische Bankensektor konnte im Jahr 2025 an die guten Ergebnisse des Jahres 2024 ankn\u00fcpfen, wenngleich diese </span></div><div class=\"ps32996 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">moderater ausfielen. Das operative Gesch\u00e4ft wurde weiterhin durch solide Zinsertr\u00e4ge sowie eine positive Entwicklung im </span></div><div class=\"ps32997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Provisionsgesch\u00e4ft unterst\u00fctzt. Neben ansteigenden operativen Kosten waren es erh\u00f6hte Risikokosten, die d\u00e4mpfend auf das </span></div><div class=\"ps32998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nettoergebnis des heimischen Bankensektors wirkten. Das Finanzierungsumfeld f\u00fcr den \u00f6sterreichischen Bankensektor war </span></div><div class=\"ps32999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 herausfordernd. Dennoch konnten sich die \u00f6sterreichischen Banken auf dem Prim\u00e4rmarkt erneut behaupten und </span></div><div class=\"ps33000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">platzierten vor allem im Senior-Segment weiterhin erfolgreich solide Volumina.</span></div><div class=\"ps33001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Wachstumsraten der vergebenen Kreditvolumina konnten sich im Segment Haushalte aus dem negativen Bereich </span></div><div class=\"ps33002 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herausarbeiten, w\u00e4hrend das Segment der Unternehmenskredite auch 2025 ein schwaches Momentum aufwies. Das Segment </span></div><div class=\"ps33003 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Haushalte wurde durch das gesunkene Zinsniveau und eine solide Nachfrage im Wohnbau-Segment unterst\u00fctzt. Im Dezember </span></div><div class=\"ps33004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 wurde eine Jahreswachstumsrate von 1,3 Prozent berichtet. Auch die Neuvergabevolumina im Wohnbau-Segment stiegen. </span></div><div class=\"ps33005 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Unternehmenssegment wurde hingegen ein Jahreswachstum von 2,4 Prozent vermeldet (Dezember 2025 gegen\u00fcber </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dezember 2024), wobei im Jahr zuvor ein Plus von 1,9 Prozent verzeichnet worden war. Monatliche Jahreswachstumsraten in </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">diesem Segment zeigten 2025 eine neutrale Entwicklung. Die Kapitalausstattung des Bankensektors konnte im Vergleich zum </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresbeginn 2025 mit einem Wert von 18,4 Prozent f\u00fcr die harte Kernkapitalquote zum September 2025 weiter ausgebaut </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden. Mit 1. Juli 2025 trat der Systemrisikopuffer f\u00fcr gewerbliche Immobilienfinanzierungen in H\u00f6he von 1 Prozent in Kraft. </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine Evaluierung des Puffers erfolgte auf der Dezember-Sitzung des Finanzmarktstabilit\u00e4tsgremiums.</span></div><div class=\"ps32448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Entwicklung des Bankensektors in CEE<span id=\"i172c4e73aae042ed837917e19cbc2316\"></span></span></div><div class=\"ps2184 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach der Lockerung der wichtigen geldpolitischen Zyklen, zun\u00e4chst auf nationaler Ebene und dann durch die EZB, erlebten die </span></div><div class=\"ps2185 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">CE/SEE-Banken eine M\u00e4\u00dfigung der Rentabilit\u00e4t von zuvor erreichten Spitzenwerten. Dennoch blieb die aggregierte </span></div><div class=\"ps2188 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenkapitalrendite (RoE) der Region im Jahr 2025 bei soliden 17 Prozent und hielt einen Vorsprung von 7 Prozentpunkten </span></div><div class=\"ps2189 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegen\u00fcber dem Durchschnitt der Eurozone. Unvermeidliche R\u00fcckschl\u00e4ge bei den Nettozinsmargen wurden teilweise durch neue </span></div><div class=\"ps2192 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvolumina ausgeglichen, die von dem insgesamt optimistischen Trend im Retail Kreditgesch\u00e4ft getragen wurden, w\u00e4hrend </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Wachstum der Unternehmenskredite st\u00e4rker polarisiert war (f\u00fchrend in SEE, r\u00fcckst\u00e4ndig in CE). Die starke Kreditnachfrage </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von Haushalten wurde teilweise durch politische Ma\u00dfnahmen unterst\u00fctzt (staatlich subventionierte Wohnungsbaukredite), </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basierte aber auch auf robusten Arbeitsm\u00e4rkten und realem Lohnwachstum. Gleichzeitig trug Letzteres auch zur Inflation der </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kostenbasis der Banken bei, zusammen mit den anhaltenden Sondersteuerausgaben. Die Liquidit\u00e4tssituation des Sektors blieb </span></div><div class=\"ps32449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiterhin recht g\u00fcnstig, mit allgemein gesunden Kredit-zu-Einlagen-Verh\u00e4ltnissen und gutem Zugang zu Marktfinanzierungen </span></div><div class=\"ps4829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(MREL, Covered Bonds), die die Banken nutzten, um die Ressourcenallokation in Richtung zinserzeugender Verm\u00f6genswerte zu </span></div><div class=\"ps4830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbessern. Die Kreditqualit\u00e4t blieb anst\u00e4ndig, trotz der \"Normalisierung\" der Risikokosten auf h\u00f6heren Niveaus in einigen </span></div><div class=\"ps4831 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">M\u00e4rkten und Branchen (z. B. Stahl, Automobil). In dieser Hinsicht wurden die Folgen der Tarifrisiken gr\u00f6\u00dftenteils durch IFRS 9-</span></div><div class=\"ps4832 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Overlays abgefedert, w\u00e4hrend sich die tats\u00e4chlichen F\u00e4lle von Kreditnehmerausf\u00e4llen bisher als handhabbar erwiesen.</span></div><span class=\"f charStyle-5ce759ba ps26\">Gesch\u00e4ftsverlauf der <span id=\"i0ded52ffbca24d1e8f3ed7e8d93feb5a\"></span></span><div class=\"ps912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Raiffeisen Bank International </span></div><div class=\"ps2239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">AG</span></div><div class=\"ps33008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Gesch\u00e4ftsentwicklung<span id=\"ica598aeaf0604a6a949b57e8d23de8bd\"></span></span></div><div class=\"ps33009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist eine der f\u00fchrenden Corporate- und Investment-Banken \u00d6sterreichs. Im Gesch\u00e4ftsfeld Corporates betreut sie </span></div><div class=\"ps33010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internationale und multinationale Gro\u00dfkunden sowie die gr\u00f6\u00dften \u00f6sterreichischen Unternehmen. Diese profitieren vom </span></div><div class=\"ps33011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfassenden Know-how und Serviceangebot der RBI AG, zum Beispiel in den Bereichen Kapitalmarkt, Exportfinanzierung, <span class=\"f ps24\"> </span></span></div><div class=\"ps33012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelsfinanzierung, Cash Management und Sustainable Finance.<span class=\"f ps24\"> </span></span></div><div class=\"ps31634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Gesch\u00e4ftssegment institutionelle Kunden umfasst das Gesch\u00e4ft mit Banken, Versicherungen, Verm\u00f6gensverwaltern, </span></div><div class=\"ps33013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsdienstleistern und anderen Finanzintermedi\u00e4ren. Es schlie\u00dft au\u00dferdem das Gesch\u00e4ft mit \u00f6ffentlichen Institutionen wie <span class=\"f ps24\"> </span></span></div><div class=\"ps33014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzministerien, Exportkreditagenturen und supranationalen Banken ein und steht f\u00fcr einen integrierten, kundenorientierten </span></div><div class=\"ps33015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und ma\u00dfgeschneiderten Ansatz gegen\u00fcber diesen Kunden.</span></div><div class=\"ps33016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG unterst\u00fctzt diese Kundengruppe mit einem umfassenden Angebot an Produkten und Dienstleistungen, darunter </span></div><div class=\"ps33017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Clearing-, Abwicklungs- und Zahlungsverkehrsl\u00f6sungen sowie Custody- und Depository-Bankservices. Dar\u00fcber hinaus bietet die </span></div><div class=\"ps33018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI ihren institutionellen Kunden einen breiten Zugang zu Kapitalmarktprodukten, Wertpapiertransaktionen und Wholesale-</span></div><div class=\"ps33019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzierungen \u00fcber Debt Capital Markets, Kredite, Verbriefungen, Anlageprodukte und Fondsfinanzierungen an.</span></div><div class=\"ps33020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine wesentliche St\u00e4rke des Gesch\u00e4ftssegments institutionelle Kunden liegt in der Beratungskompetenz, insbesondere bei ESG-</span></div><div class=\"ps33021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bezogenen Transaktionen und in der Unterst\u00fctzung von Kunden in Schwellenl\u00e4ndern bei der Implementierung von ESG-</span></div><div class=\"ps33022 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Standards. Unser Ziel ist es, Kunden dabei zu helfen, ihre Nachhaltigkeitsziele erfolgreich zu verfolgen und langfristiges, </span></div><div class=\"ps33023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verantwortungsvolles Wachstum zu f\u00f6rdern.</span></div><div class=\"ps33024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Gesch\u00e4ftsfeld Capital Markets inkludiert den Eigen- und Fremdhandel. Hier bietet die RBI AG ihren Kund:innen individuell </span></div><div class=\"ps33025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgestimmte L\u00f6sungen f\u00fcr das Liquidit\u00e4ts- und Bilanzmanagement sowie zur Steuerung von Zins- und W\u00e4hrungsrisiken an. </span></div><div class=\"ps33026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ihre besondere St\u00e4rke sind Zins-, W\u00e4hrungs- und Kreditprodukte f\u00fcr die DACH-Region sowie CEE. Kassaprodukte, Derivate und </span></div><div class=\"ps33027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">strukturierte Produkte werden ebenso angeboten wie die Fremdkapitalaufnahme \u00fcber Anleihen. Ein professionelles </span></div><div class=\"ps33028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strukturierungsteam und entsprechende Verkaufs- und Platzierungsst\u00e4rke sorgen f\u00fcr die erfolgreiche Umsetzung der Projekte.</span></div><div class=\"ps33029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsfeld Raiffeisen Zertifikate, Retail Bonds &amp; Equity Trading bietet die RBI AG als f\u00fchrender und vielfach </span></div><div class=\"ps33030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgezeichneter \u00f6sterreichischer Zertifikate-Anbieter mehr als 6.000 Anlage- und Hebelprodukte an, die insbesondere f\u00fcr </span></div><div class=\"ps33031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Retail-Kund:innen Chancen/Risiko-optimiertes Investieren erm\u00f6glichen. Das Angebot ist Cross Asset aufgestellt und richtet sich </span></div><div class=\"ps33032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an Kund:innen der DACH-Region sowie vieler M\u00e4rkte Zentral- und Osteuropas. Ein \u00f6ffentliches Angebot von Raiffeisen </span></div><div class=\"ps33033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zertifikaten und Retail Bonds erfolgt in 12 L\u00e4ndern und umfasst sowohl den Prim\u00e4r- als auch den Sekund\u00e4r-Markt \u00fcber B\u00f6rsen, </span></div><div class=\"ps33034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelsplattformen und via RBI als Systematischer Internalisierer. Weiters sind die Market-Making- und Eigenhandels-</span></div><div class=\"ps33035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">T\u00e4tigkeiten in Aktien, Aktien-Derivaten sowie Commodities, mit einem Fokus auf Zentral- und Osteuropa, im Gesch\u00e4ftsfeld </span></div><div class=\"ps33036 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angesiedelt. RBI ist einer der f\u00fchrenden Market Maker an verschiedensten B\u00f6rsenpl\u00e4tzen in diesem Bereich.</span></div><div class=\"ps33037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Gesch\u00e4ftsfelder Treasury und Group Subsidiaries and Equity Investments sind interne Steuerungsbereiche f\u00fcr das </span></div><div class=\"ps33038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management der Refinanzierung bzw. des Beteiligungsportfolios der Bank.</span></div><div class=\"ps33040 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-27958eee ps17\">Corporates<span id=\"idf57f164c0ca4995b8521d679fa0179f\"></span></span><span class=\"f charStyle-27958eee ps33039\"> </span></div><div class=\"ps33041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In das Gesch\u00e4ftsfeld Corporates f\u00e4llt die Betreuung \u00f6sterreichischer und internationaler Firmenkunden. Neben den gr\u00f6\u00dften </span></div><div class=\"ps33042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen \u00d6sterreichs liegt der Fokus auf westeurop\u00e4ischen Firmenkunden mit Gesch\u00e4ftsaktivit\u00e4ten in CEE, zentral- und </span></div><div class=\"ps33043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">osteurop\u00e4ischen Gro\u00dfkunden sowie international t\u00e4tigen Rohstoff- und Handelsunternehmen. </span></div><div class=\"ps33044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Trotz des anspruchsvollen geopolitischen und wirtschaftlichen Umfelds hat sich das aus Wien betreute Corporate-Banking-</span></div><div class=\"ps33045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ft im abgelaufenen Gesch\u00e4ftsjahr solide entwickelt. Durch die umfassende Betreuung unserer Firmenkunden konnte die </span></div><div class=\"ps33046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Positionierung als Relationship-Bank behauptet und ausgebaut werden. </span></div><div class=\"ps33047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Corporate-Gesch\u00e4ft lieferte weiterhin solide Ergebnisse, wenngleich die Ertr\u00e4ge gegen\u00fcber dem starken Vorjahr vor allem </span></div><div class=\"ps33048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund der sich \u00e4ndernden Zinslandschaft r\u00fcckl\u00e4ufig waren. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrend Investitionst\u00e4tigkeit und Kreditnachfrage zu Beginn des Gesch\u00e4ftsjahres in der Region verhalten waren, wurde im </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiteren Verlauf des Jahres eine leicht zunehmende Dynamik verzeichnet. Vor diesem Hintergrund blieben das klassische </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditgesch\u00e4ft sowie, dank der hervorragenden Produktexpertise, das Cash Management- und Capital Markets Gesch\u00e4ft, die </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">strukturierte Projekt- und \u00dcbernahmefinanzierung, die Immobilienfinanzierung, die Handelsfinanzierung sowie die </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Exportfinanzierung wichtige Ertragsbringer. Im Einlagengesch\u00e4ft konnte ebenfalls ein wesentlicher Beitrag generiert werden, </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenngleich dieser, bedingt durch das sich ver\u00e4ndernde Zinsumfeld, unter dem Vorjahresniveau lag. Der strikte Reduktionsplan </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bez\u00fcglich des verbliebenen Gesch\u00e4fts mit Russland-Bezug wurde im Einklang mit den regulatorischen Anforderungen weiter </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konsequent umgesetzt. </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bedingt durch die ged\u00e4mpfte konjunkturelle Lage blieben die Risikokosten auch 2025 auf einem erh\u00f6hten Niveau. In Summe </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konnte im Gesch\u00e4ftsbereich Corporates trotz des herausfordernden Umfelds ein solides Ergebnis erzielt werden. </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach erfolgreicher Umsetzung der Partnerschaft in den Bereichen Aktienresearch und Sales sind die RBI und die Finanzgruppe </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ODDO BHF \u00fcbereingekommen, ihre Zusammenarbeit auf Mergers and Acquisitions (M&amp;A) f\u00fcr \u00d6sterreich und CEE auszuweiten, </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um eine gemeinsame Wachstumsstrategie in der Region zu verfolgen. Hierzu ging das M&amp;A-Team der RBI im 4. Quartal 2025\u00a0 in </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Tochtergesellschaft der ODDO BHF in Wien \u00fcber. </span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Betreuungsansatz f\u00fcr jene Firmenkunden, die in mehreren L\u00e4ndern betreut werden, wurde weiter gesch\u00e4rft, um eine <span class=\"f ps24\"> </span></span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einheitlichere Betreuung innerhalb der RBI-Gruppe zu erm\u00f6glichen. </span></div><div class=\"ps2470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\"> </span></div><div class=\"ps33049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Institutionelle Kunden <span id=\"i5493ab8211214b2d9f5359454e4552f1\"></span></span></div><div class=\"ps33050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Gesch\u00e4ftssegment Institutionelle Kunden (IC) zeigte im Gesch\u00e4ftsjahr 2025 eine starke Performance, wobei sich die </span></div><div class=\"ps33051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bruttoertr\u00e4ge besser als geplant entwickelt haben.<span class=\"f ps24\"> </span></span></div><div class=\"ps33052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zu den wichtigsten Treibern z\u00e4hlten Zertifikate, unterst\u00fctzt durch eine erh\u00f6hte Kundennachfrage in \u00d6sterreich und CEE, sowie </span></div><div class=\"ps33053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Bereich Capital Markets Sales, der von erfolgreichen Transaktionen in den Bereichen Special Situations Investments und <span class=\"f ps24\"> </span></span></div><div class=\"ps33054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Banknoten profitierte. Zus\u00e4tzlich trugen steigende Custody-Volumina in den Kernm\u00e4rkten der Gruppe sowie eine hohe Aktivit\u00e4t </span></div><div class=\"ps33055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in den Debt Capital Markets zur positiven Entwicklung bei.<span class=\"f ps24\"> </span></span></div><div class=\"ps33056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Demgegen\u00fcber verzeichnete das Cash Management einen leichten R\u00fcckgang, haupts\u00e4chlich aufgrund niedrigerer Zinss\u00e4tze, </span></div><div class=\"ps33057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">reduzierter Liquidit\u00e4tspr\u00e4mien und der Auswirkungen von SEPA\u2011Migrationen in mehreren CEE-L\u00e4ndern. Zudem kam es im Trade </span></div><div class=\"ps33058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finance zu einem R\u00fcckgang infolge von Compliance- und Risikobeschr\u00e4nkungen im Zusammenhang mit GUS-Staaten. Diese </span></div><div class=\"ps33059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Herausforderungen sollen durch die Initiativen \u201eInternational Banking\u201c und weitere Wachstumsprogramme adressiert werden.</span></div><div class=\"ps33060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wir bleiben weiterhin engagiert, unsere Kunden in allen Regionen zu begleiten und umfassende, auf ihre Bed\u00fcrfnisse </span></div><div class=\"ps33061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugeschnittene Unterst\u00fctzung und Dienstleistungen bereitzustellen.</span></div><div class=\"ps33062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ESG blieb ein zentrales Thema. Die Kundennachfrage \u2013 von Unternehmen am Start von ESG\u2011Projekten bis hin zu jenen, die sich </span></div><div class=\"ps33063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bereits in der Transformation befinden \u2013 stieg insbesondere nach nachhaltigen Bankl\u00f6sungen wie Investitionen, Trade Finance </span></div><div class=\"ps33064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Finanzierungen.</span></div><div class=\"ps33065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das IC\u2011Segment treibt die \u201eOne Business Bank\u201c-Strategie weiter voran und nutzt den eingef\u00fchrten segmentorientierten Ansatz </span></div><div class=\"ps33066 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfassend. Dies gew\u00e4hrleistet ma\u00dfgeschneiderte und erweiterte Betreuung f\u00fcr globale Banken, die eine wichtige Infrastruktur </span></div><div class=\"ps33067 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr die RBI Gruppe darstellen sowie f\u00fcr lokale Banken, die Produkte und Services der RBI Gruppe nutzen, um Zugang zu </span></div><div class=\"ps33068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internationalen M\u00e4rkten zu erhalten. Durch die konsequente Umsetzung dieses segmentfokussierten Modells st\u00e4rken wir </span></div><div class=\"ps33069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beziehungen, optimieren die Betreuung und schaffen zus\u00e4tzlichen Mehrwert f\u00fcr unsere institutionellen Kunden.</span></div><div class=\"ps25679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datengetriebene Initiativen, unterst\u00fctzt durch KI\u2011Technologien, sollen sicherstellen, dass Relationship Manager mehr Zeit f\u00fcr </span></div><div class=\"ps25680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ihre Kunden aufwenden k\u00f6nnen, indem interne, nicht kundenbezogene Aufgaben reduziert werden. Durch die Nutzung </span></div><div class=\"ps25681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortschrittlicher Analysen zur Steigerung des Trade\u2011Finance\u2011Vertriebs, den Einsatz intelligenter Vertriebsunterst\u00fctzung f\u00fcr </span></div><div class=\"ps33070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Capital\u2011Markets\u2011Transaktionen und die Einf\u00fchrung eines KI\u2011Sales\u2011Assistants straffen wir Prozesse und erh\u00f6hen so die Effizienz. </span></div><div class=\"ps33071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Innovationen erm\u00f6glichen es den Relationship Managern, sich auf den Aufbau st\u00e4rkerer Kundenbeziehungen zu </span></div><div class=\"ps33072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">konzentrieren und gleichzeitig die Vertriebsleistung zu verbessern.</span></div><div class=\"ps33073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Capital Markets<span id=\"i06b788d5ab7d4db6bd979707e5dc3cb5\"></span></span></div><div class=\"ps33074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Jahr 2025 erzielte das Capital\u2011Markets\u2011Gesch\u00e4ft trotz anhaltender Marktunsicherheit und sich ver\u00e4ndernder </span></div><div class=\"ps33075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kundenbed\u00fcrfnisse robuste Ergebnisse. Strategische Investitionen in Technologie, Produktentwicklung und Kundenbeziehungen </span></div><div class=\"ps33076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterst\u00fctzten eine starke Handelsperformance und st\u00e4rkten die operative Resilienz.</span></div><div class=\"ps33077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Aktivit\u00e4ten im Geldmarkt- und Wertpapierfinanzierungsgesch\u00e4ft blieben stabil w\u00e4hrend die Handelsergebnisse die </span></div><div class=\"ps33078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erwartungen \u00fcbertrafen. Neue Vertriebskan\u00e4le und Produktinitiativen wurden eingef\u00fchrt, um die Kundenreichweite zu erh\u00f6hen <span class=\"f ps24\"> </span></span></div><div class=\"ps33079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Ertragsquellen zu diversifizieren.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der FX-Handel erreichte trotz engerer Bid\u2011Ask\u2011Spannen und Margendrucks das starke Vorjahresniveau. Dieses Ergebnis wurde </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch eine klare Positionierung \u00fcber ein breites W\u00e4hrungsspektrum hinweg, eine erh\u00f6hte Aktivit\u00e4t bei strukturierten </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">FX\u2011L\u00f6sungen sowie die weitere Optimierung der internen Abwicklung von FX\u2011Flows \u00fcber elektronischen Handel erzielt. Die </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Profitabilit\u00e4t im physischen Gold- und Banknotengesch\u00e4ft verbesserte sich aufgrund einer h\u00f6heren Nachfrage nach </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Edelmetallen.</span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Handel mit Zinsderivaten verzeichnete ein weiteres erfolgreiches Jahr und erf\u00fcllte die Ziele trotz geringerer Marktvolatilit\u00e4t. </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Volumina mit Firmenkunden lagen zwar unter dem Vorjahr, wurden jedoch durch erh\u00f6hte Aktivit\u00e4ten institutioneller Kunden </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und im Netzwerk \u2013 sowohl in EUR als auch in lokalen W\u00e4hrungen \u2013 mehr als ausgeglichen. Fortgesetzte Investitionen in </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Market\u2011Making\u2011Technologien und vertiefte Kundenbeziehungen im institutionellen Bereich unterst\u00fctzten diese Ergebnisse </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ma\u00dfgeblich und werden weiter vorangetrieben.</span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anleihehandel erzielte eine positive Ertrags- und Gesch\u00e4ftsentwicklungen. Kredit- und Asset\u2011Swap\u2011Spreads engten sich ein, </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00e4hrend die Zinsen stiegen. Gleichzeitig festigte die Bank ihre Marktposition und erreichte hervorragende Platzierungen in den </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Primary\u2011Dealer\u2011Rankings (#1 f\u00fcr \u00f6sterreichische Staatsanleihen, #3 f\u00fcr slowenische Staatsanleihen).</span></div><div class=\"ps2467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Bereich Data &amp; Solutions erzielte bedeutende Fortschritte bei Monitoring\u2011, Visualisierungs- und Pricing\u2011F\u00e4higkeiten. </span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Machine\u2011Learning\u2011basierte Margenoptimierung wurde auf FX\u2011Handelsplattformen implementiert, und die propriet\u00e4re </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Pricing\u2011Library wurde auf risikofreie Zinsswaps ausgeweitet und mit einer neuen Fixed\u2011Income\u2011Pricing\u2011Engine integriert. Gro\u00dfe </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teile des Technologie\u2011Stacks wurden zur Verbesserung von Skalierbarkeit und Kosteneffizienz auf AWS migriert, begleitet von </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfangreichen Ma\u00dfnahmen zur Erf\u00fcllung erweiterter IT\u2011Sicherheitsstandards. Zudem erweiterte das Team den Einsatz gro\u00dfer </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sprachmodelle \u2013 von der Analyse von Zentralbankkommunikationen hin zu Kundenfeedback\u2011Analysen \u2013 und startete ein </span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u201eAsk\u2011your\u2011data\u201c-Chatbot\u2011Projekt.<span class=\"f ps24\"> </span></span></div><div class=\"ps33081 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-27958eee ps17\">Treasury<span id=\"i24225627a82f43d8963cd2c982ca29dc\"></span></span><span class=\"f charStyle-27958eee ps33080\"> </span></div><div class=\"ps2791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die mittel- bis langfristige Refinanzierung nutzt die RBI AG langfristige Einlagen und Emissionen. Die Emissionen werden zum </span></div><div class=\"ps33082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gro\u00dfteil unter dem Emissionsprogramm der RBI AG EUR 25.000.000.000 Debt Issuance Program begeben, in dessen Rahmen </span></div><div class=\"ps33083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleihen in unterschiedlichen W\u00e4hrungen, Formaten und Strukturen ausgegeben werden k\u00f6nnen. Seit der Integration der </span></div><div class=\"ps33084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Centro Bank AG verf\u00fcgt die RBI AG weiters \u00fcber zwei Programme zur Emission von kleinvolumigen Anleihen und </span></div><div class=\"ps33085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zertifikaten.</span></div><div class=\"ps33086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Jahr 2025 nutzte die RBI AG zur Umsetzung ihres Funding-Plans neben langfristigen Einlagen wieder vermehrt internationale, <span class=\"f ps24\"> </span></span></div><div class=\"ps33087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gro\u00dfvolumige Anleihen in verschiedenen Formaten. Nach einer \u20ac 500 Millionen erstrangigen Emission im Februar folgte eine </span></div><div class=\"ps33088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 500 Millionen Non-preferred Anleihe (nicht bevorrechtigte nicht nachrangige ber\u00fccksichtigungsf\u00e4hige Schuldverschreibung) </span></div><div class=\"ps33089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im August und im November eine \u20ac 500 Millionen erstrangige Emission. Im September hat die RBI AG \u20ac 500 Millionen in Form von </span></div><div class=\"ps33090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzlichem Kernkapital (Additional Tier 1) platziert. Den restlichen Bedarf deckte die RBI AG \u00fcber kleinvolumige Zertifikate und </span></div><div class=\"ps33091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Privatplatzierungen ab.</span></div><div class=\"ps33092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Gesamtvolumen an im Jahr 2025 neu aufgenommenen \u00fcberj\u00e4hrigen Einlagen und Emissionen betrug rund \u20ac 5.011 Millionen </span></div><div class=\"ps33093 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und hatte eine gewichtete Laufzeit von rund f\u00fcnf Jahren. Per Jahresultimo 2025 betrug das Gesamtvolumen der ausstehenden </span></div><div class=\"ps33094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">emittierten unbesicherten Anleihen exklusive zus\u00e4tzlichem Kernkapital \u20ac 8.043 Millionen.</span></div><div class=\"ps33095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Certificates and Equity Trading<span id=\"ie19d09f0605448e1be1e02608a2dad3b\"></span></span></div><div class=\"ps33096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Raiffeisen Zertifikate und Retail Anleihen<span id=\"i91f4bcd748be40e6af8fcefea452d497\"></span></span></div><div class=\"ps33097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Jahr 2025 war von einer positiven Entwicklung an den Kapitalm\u00e4rkten gepr\u00e4gt. Der heimische ATX und viele internationale <span class=\"f ps24\"> </span></span></div><div class=\"ps33098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktienindizes konnten, trotz weiterhin bestehender wirtschaftlicher und geopolitischer Unsicherheiten, neue H\u00f6chstst\u00e4nde </span></div><div class=\"ps33099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erreichen. In diesem Umfeld konnten Zertifikate \u2013 allen voran Kapitalschutz- und Teilschutz-Produkte \u2013 als Veranlagungsl\u00f6sung </span></div><div class=\"ps33100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Privatanleger neue Rekordst\u00e4nde erreichen.</span></div><div class=\"ps33101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">So konnte das Gesamtemissionsvolumen 2025 im Vergleich zum Vorjahr um 46 Prozent gesteigert und somit ein wesentlicher </span></div><div class=\"ps33102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beitrag zum Funding der RBI AG erzielt werden. Damit befindet sich auch das per Ende 2025 ausstehende Volumen auf dem </span></div><div class=\"ps33103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bisher h\u00f6chsten Stand (plus 25 Prozent im Vergleich zu Ende 2024). Insgesamt wurden 2025 in Raiffeisen Zertifikaten und Retail </span></div><div class=\"ps33104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anleihen \u20ac 3,3 Milliarden umgesetzt.\u202f</span></div><div class=\"ps33105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auch bezogen auf den \u00f6sterreichischen Raiffeisensektor erreichte das ausstehende Volumen an Raiffeisen Zertifikaten und </span></div><div class=\"ps33106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Retail Anleihen per Ende 2025 einen H\u00f6chststand (plus 33 Prozent im Vergleich zu 2024). Bei dem im Jahr 2025 neu abgesetzten </span></div><div class=\"ps33107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Volumen konnte getragen von Ausbildungsinitiativen und individuellen Emissionen ein Plus von 85 Prozent im Vergleich zu 2024 </span></div><div class=\"ps33108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielt werden.<span class=\"f ps24\"> </span></span></div><div class=\"ps33109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit dem Launch des AI-basierten Chatbots RAIA konnte auch das digitale Angebot von raiffeisenzertifikate.at verbessert </span></div><div class=\"ps33110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Region Zentral- und Osteuropa werden Raiffeisen Zertifikate und Retail Anleihen mittlerweile in 10 L\u00e4ndern aktiv </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angeboten. Neben dem kontinuierlichen Ausbau des Gesch\u00e4fts in den Kernm\u00e4rkten Slowakei, Tschechische Republik, Ungarn, </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kroatien und Polen konnte insbesondere in Rum\u00e4nien ein deutliches Wachstum erzielt werden. Eine insgesamte Steigerung des </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgesetzten Volumens (plus 4,35 Prozent im Vergleich zu 2024) unterstreicht den Stellenwert und das zuk\u00fcnftige Potenzial in </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dieser Region. </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auch der digitale Vertrieb \u00fcber den Online Broker EDI (Easy Digital Investing) erzielte ein deutliches Umsatzwachstum </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(plus 202 Prozent im Vergleich zu 2024). Neben der Raiffeisenbank Tschechien wurde EDI im Juli 2025 auch f\u00fcr Kund:innen der </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank Kroatien ausgerollt. </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Zertifikate wurde auch 2025 mehrfach f\u00fcr ihre Produkte und Services ausgezeichnet: Im Rahmen der Verleihung der </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zertifikate Awards Austria ging Raiffeisen Zertifikate zum 19. Mal in Folge als Bestes Zertifikate-Haus \u00d6sterreichs hervor. </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus unterstreichen die internationalen Auszeichnungen \u201eBest Structured Products Bank CEE 2025\u201c von Capital </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finance International (CFI), \u201eCapital Markets Leader in Certificates\u201c von der Warsaw Stock Exchange und der SPi-Award in </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mailand die Expertise des gesamten Teams. </span></div><div class=\"ps33111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8b9b3b54 ps17\">Equity Trading<span id=\"i59bd572c37e3477592e824ea24910f25\"></span></span></div><div class=\"ps24595 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Getragen vom Technologie-Sektor und der Fantasie rund um K\u00fcnstliche Intelligenz, folgten die globalen Aktienm\u00e4rkte einem </span></div><div class=\"ps26121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufw\u00e4rtstrend in 2025. Geopolitische Themen hatten geringeren Einfluss auf die Kursentwicklung der Aktienm\u00e4rkte und </span></div><div class=\"ps16736 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zwischenzeitliche Korrekturen - allen voran der Abschwung rund um die US-Zoll-Thematik und den \u201eLiberation day\u201c im April - </span></div><div class=\"ps16737 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden z\u00fcgig wieder aufgeholt. </span></div><div class=\"ps33112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Market-Making waren die Bedingungen auf dem \u00f6sterreichischen Heimatmarkt weiter herausfordernd, welche aber durch </span></div><div class=\"ps3372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ft in Aktien und b\u00f6rsengehandelten Derivaten in den westeurop\u00e4ischen und osteurop\u00e4ischen M\u00e4rkten sowie in </span></div><div class=\"ps16740 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">strukturierten L\u00f6sungen f\u00fcr Institutionelle und Firmenkunden kompensiert werden konnten. Damit konnte das </span></div><div class=\"ps16741 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsergebnis des Vorjahres \u00fcbertroffen werden. </span></div><div class=\"ps33113 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr das Jahr 2025, verringerte sich die Anzahl der Market-Making-Mandate f\u00fcr Aktien und b\u00f6rsengehandelte Derivate an den </span></div><div class=\"ps30363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zentral- und osteurop\u00e4ischen B\u00f6rsen von 240 auf 228 Mandate. Weiters trat die RBI AG als systematischer Internalisierer f\u00fcr 37 </span></div><div class=\"ps30364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktien auf. </span></div><div class=\"ps33114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit Blick auf die Anzahl der Market-Making-Mandate an den verschiedenen Aktien- und Terminb\u00f6rsen, betreute die RBI 117 </span></div><div class=\"ps30365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mandate an der polnischen B\u00f6rse in Warschau, 30 Mandate an der Wiener B\u00f6rse, 14 Mandate an der B\u00f6rse Bukarest, 30 </span></div><div class=\"ps30366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mandate an der B\u00f6rse in Prag, 1 Mandat an der Laibacher B\u00f6rse und 36 Mandate an den deutschen Aktien- und Termin-</span></div><span class=\"f charStyle-9eccfdcb ps17\">B\u00f6rsen. </span><div class=\"ps33116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Group Subsidiaries and Equity Investments<span id=\"ice4530be3fdb4dc49c0c199e5d28b3d6\"></span></span></div><div class=\"ps13843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Ziel der Beteiligungsstrategie der RBI AG ist die Wahrnehmung und der Ausbau strategischer Interessen der RBI AG sowie </span></div><div class=\"ps13844 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine stetige Wertsteigerung des gesamten Beteiligungsportfolios.<span class=\"f ps24\"> </span></span></div><div class=\"ps33117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Gesch\u00e4ftst\u00e4tigkeit der RBI AG und deren Bankt\u00f6chter wird erg\u00e4nzt durch zahlreiche \u00f6sterreichische und internationale </span></div><div class=\"ps33118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tochtergesellschaften im strategischen Finanzdienstleistungsbereich und durch weitere Beteiligungen gro\u00dfteils im banknahen </span></div><div class=\"ps33119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dienstleistungsbereich.</span></div><div class=\"ps33120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentliche Zuschreibungen gab es 2025 bei der RZB-BLS Holding GmbH, in welcher Anteile an der UNIQA Insurance Group AG </span></div><div class=\"ps33121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gehalten werden, (\u20ac 210 Millionen) und bei der Raiffeisenbank JSC (AVAL) mit \u20ac 32 Millionen. Abschreibungen wurden bei der </span></div><div class=\"ps30471 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Bausparkasse Gesellschaft m.b.H. mit \u20ac 38 Millionen vorgenommen. Sieht man von den erw\u00e4hnten Zu- und </span></div><div class=\"ps30472 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschreibungen, deren Ursachen gr\u00f6\u00dftenteils firmenspezifisch waren, so zeigte der Rest des Portfolios eine stabile Entwicklung.</span></div><div class=\"ps33122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Steuerung, Management und Administration des Beteiligungsportfolios erfolgt durch Group Subsidiaries and Equity </span></div><div class=\"ps33123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investments.<span class=\"f ps24\"> </span></span></div><div class=\"ps33124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Retail <span id=\"i387e86d510ff455499dd0f770c32a8b2\"></span></span></div><div class=\"ps33125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Retailgesch\u00e4ft der RBI AG umfasst ein Portfolio von Retail-Hypothekarkrediten in Fremdw\u00e4hrung in der polnischen </span></div><div class=\"ps33126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweigstelle in Warschau. Zum 31. Dezember 2025 betrug der Nettobuchwert der Kreditengagements (abz\u00fcglich </span></div><div class=\"ps33127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertminderungen) rund \u20ac 0,90 Milliarden, bestehend aus \u20ac 0,66 Milliarden (2024: \u20ac 0,60 Milliarden) an CHF-Krediten, \u20ac 0,23 </span></div><div class=\"ps33128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Milliarden (2024: \u20ac 0,30 Milliarden) an Euro-Krediten und \u20ac 0,01 Milliarden (2024: \u20ac 0,01 Milliarden) an PLN-Krediten. </span></div><div class=\"ps33129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Zweigstelle betreibt derzeit keine Einlagen- oder Neukundenakquisition, sondern konzentriert sich auf die Administration </span></div><div class=\"ps33130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der ihr \u00fcbertragenen Fremdw\u00e4hrungskredite bis zu deren Endf\u00e4lligkeit und auf den Service f\u00fcr die Kreditnehmer. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Jahr 2025 war das Gesch\u00e4ftsumfeld wie in den Vorjahren von rechtlichen Auseinandersetzungen zwischen Kunden, die auf </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schweizer Franken lautende Wohnbauhypotheken halten, und den Banken gepr\u00e4gt. F\u00fcr diese noch ungel\u00f6ste Rechtsfrage </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde eine R\u00fcckstellung in H\u00f6he von \u20ac 1.956 Millionen (2024: \u20ac 2.071 Millionen) gebildet.\u00a0 </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die positive Entwicklung des polnischen Bankensektors setze sich auch im Jahr 2025 fort, sektorweit wurde auch im Vorjahr <span class=\"f ps24\"> </span></span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Rentabilit\u00e4t (RoE) von rund 16 Prozent erzielt. Eine Pause bei der geldpolitischen Lockerung der polnischen Nationalbank </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hat die Kernertr\u00e4ge gest\u00fctzt, viele Akteure konnten ihre Kreditmargen aber auch mit anderen Ma\u00dfnahmen stabil halten. </span></div><div class=\"ps2412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gleichzeitig bleiben regulatorische Kosten sowie rechtliche R\u00fcckstellungen im Zusammenhang mit CHF\u2011Kreditrisiken integraler </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bestandteil der sektoralen Rahmenbedingungen, wenngleich Letztere etwas abnehmen k\u00f6nnten. Polnische Banken und die </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zweigstelle der RBI AG versuchen verst\u00e4rkt, au\u00dfergerichtliche Vereinbarungen mit Kunden zu treffen - proaktive vorgerichtliche </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vergleiche (bevor Kunden eine Klage einreichen) und gerichtliche Vergleiche (nachdem Kunden eine Klage eingereicht haben)</span></div><div class=\"ps3659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus enth\u00e4lt das Gesch\u00e4ftssegment das Kreditkartengesch\u00e4ft in \u00d6sterreich. Dieses setzte im Jahr 2025 seine </span></div><div class=\"ps25667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">positive Gesch\u00e4ftsentwicklung fort und verzeichnete ein weiterhin dynamisches Portfoliowachstum. Neben dem anhaltend </span></div><div class=\"ps16632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">starken organischen Zuwachs stellte auch die erfolgreiche Migration der Raiffeisen Card Complete Kund:innen im Privat- und </span></div><div class=\"ps2467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Firmenkundensegment einen zentralen Wachstumstreiber dar. Das Migrationsprojekt wurde planm\u00e4\u00dfig und im Einklang mit </span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den definierten Zielsetzungen abgeschlossen und st\u00e4rkt die Marktposition der RBI im \u00f6sterreichischen Kreditkartenmarkt </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachhaltig.\u00a0  </span></div><div class=\"ps2470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenfalls im Retailsegment angesiedelt ist cashpresso, die \u201cBuy Now, Pay Later (BNPL)-L\u00f6sung der RBI AG. Im Jahr 2025 erzielte </span></div><div class=\"ps26053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">cashpresso ein Wachstum von 19\u202fProzent bei der Kundenanzahl und 43\u202fProzent beim E\u2011Commerce-Volumen. Diese starke </span></div><div class=\"ps12300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Performance wurde durch die Erweiterung des Partner-Shop-Netzwerks und einer gestiegenen Nachfrage nach BNPL-L\u00f6sungen </span></div><div class=\"ps26008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getrieben. Cashpresso ist ein BNPL\u2011Produkt, das in \u00d6sterreich und Deutschland angeboten wird. Es ist in Partner-Shops </span></div><div class=\"ps2569 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingebettet und erm\u00f6glicht Konsumenten, Online-Eink\u00e4ufe zu finanzieren und in kleinen, flexiblen Raten zur\u00fcckzuzahlen.</span></div><div class=\"ps2475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um sein BNPL\u2011Angebot weiter auszubauen, hat cashpresso ein neues Produkt \u201eSplit Pay\u201c eingef\u00fchrt. Split Pay bietet </span></div><div class=\"ps2571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsumenten die M\u00f6glichkeit, Produkte in Online-Shops zu kaufen, zu Hause auszuprobieren und nur das, was sie behalten in </span></div><div class=\"ps26009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">drei zinsfreien Raten zu bezahlen.</span></div><div class=\"ps33132 ss0\" style=\"font-size:32pt\"><span class=\"f charStyle-b36b224a ps17\">\u00b7</span><span class=\"f charStyle-736311c3 ps2238\"> </span><span class=\"f charStyle-5ce759ba ps26\">Zweigstellen und <span id=\"i7f79eb1f3523439183a3e88a9835551a\"></span></span></div><div class=\"ps33133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Repr\u00e4sentanzen</span></div><div class=\"ps33134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG verf\u00fcgt \u00fcber sechs Zweigstellen in Peking, Bratislava, Frankfurt, London, Singapur und Warschau. Diese unterst\u00fctzen </span></div><div class=\"ps33135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als Servicefilialen die RBI AG in Wien und die Netzwerkbanken in der Kundenbetreuung und bei Vertriebsaktivit\u00e4ten. Neben den </span></div><div class=\"ps33136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">genannten Zweigstellen unterh\u00e4lt die RBI AG auch Repr\u00e4sentanzen in Paris, Stockholm, Mumbai, Seoul und Ho Chi Minh City.</span></div><div class=\"ps33137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Zweigstelle in Peking unterst\u00fctzt prim\u00e4r die CIB-Gesch\u00e4ftsbereiche der RBI AG und die Netzwerkbanken bei der <span class=\"f ps24\"> </span></span></div><div class=\"ps33138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kundenbetreuung und den Vertriebsaktivit\u00e4ten mit Bezug zu China. Die chinesischen Gesch\u00e4ftsaktivit\u00e4ten in CEE nehmen </span></div><div class=\"ps33139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiterhin stark zu und ben\u00f6tigen lokale Bankservices. Die Zweigstelle in Peking unterst\u00fctzt Unternehmen aus CEE sowie </span></div><div class=\"ps33140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichische Unternehmen in der Region und bietet chinesischen Firmen Zugang zu den Heimatm\u00e4rkten der RBI AG. Die </span></div><div class=\"ps33141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammenarbeit war auch im Gesch\u00e4ftsjahr 2025 nachhaltig positiv, mit einem weiterhin steigenden Gesch\u00e4ft in den </span></div><div class=\"ps33142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereichen erneuerbare Energien, Digitalisierung und E-Mobilit\u00e4t. Insbesondere ist die RBI AG zunehmend im transkontinentalen </span></div><div class=\"ps33143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cash-Management und im Handelsgesch\u00e4ft dieser Unternehmen und Finanzinstitute t\u00e4tig und gut positioniert, um lokale </span></div><div class=\"ps33144 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bankprodukte in CEE anzubieten, um die steigenden chinesischen Investitionen in bestimmten Sektoren zu unterst\u00fctzen.</span></div><div class=\"ps33145 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Zweigstelle in der Slowakei deckt ein breites Spektrum an Dienstleistungen und strukturierten Produkten (Zertifikaten) f\u00fcr <span class=\"f ps24\"> </span></span></div><div class=\"ps14773 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Privatkund:innen der Tatra banka a.s. in der Slowakei ab. Nach der Integration in die RBI AG hat sie ihr Leistungsspektrum um </span></div><div class=\"ps14774 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Group Procurement Services und Group Reporting Services erweitert.</span></div><div class=\"ps33146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Zweigstelle Frankfurt setzte im Jahr 2025 erfolgreich ihre Beratungs- und Strukturierungsdienste innerhalb der RBI Gruppe </span></div><div class=\"ps14776 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fort. Mit dem Fokus auf Gesch\u00e4fte mit deutschen Unternehmenskunden, die Gesch\u00e4ftsbeziehungen mit der CEE-Region oder </span></div><div class=\"ps14777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktivit\u00e4ten in den Heimatm\u00e4rkten der RBI Gruppe haben, wurden mehrere neue Mandate f\u00fcr die Finanzierung von </span></div><div class=\"ps14778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betriebskapital und weitere Transaktionen gewonnen, die die Expansion deutscher Unternehmenskunden in den Kernm\u00e4rkten </span></div><div class=\"ps14779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der RBI unterst\u00fctzen. Aufgrund der Herausforderungen des aktuellen geopolitischen Umfelds lenkten die \u00dcberpr\u00fcfung </span></div><div class=\"ps33147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestehender Lieferketten und das Thema Nearshoring die Aufmerksamkeit vermehrt auf die CEE-Region, und es wurden eine </span></div><div class=\"ps33148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erh\u00f6hte Anzahl von Anfragen von deutschen KMUs bearbeitet. Insbesondere der enge Dialog mit Entscheidungstr\u00e4gern in den </span></div><div class=\"ps33149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hauptsitzen der Kunden in Deutschland er\u00f6ffnet zus\u00e4tzliches Cross-Selling-Potenzial und st\u00e4rkt die Beziehungen zur RBI AG </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie zu ihren Netzwerkbanken in der CEE-Region. Mit der Ankunft eines neuen General Managers in der Niederlassung im </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vierten Quartal 2025 wird der Kundenfokus des B\u00fcros weiter gest\u00e4rkt, und es sollen neue Kundensegmente, wie institutionelle </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kunden, angesprochen werden.</span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist seit 1989 in London t\u00e4tig und bietet eine breite Palette von Dienstleistungen f\u00fcr verschiedene Kundensegmente </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">an. Institutionelle Kunden werden von unserem Capital Market Bond Desk betreut, der Prim\u00e4r- und Sekund\u00e4rverk\u00e4ufe von </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Staats- und Unternehmensanleihen, einschlie\u00dflich spezieller CEE- und GUS-Anleihen in lokalen W\u00e4hrungen, sowie </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Privatplatzierungen und strukturierte Produkte anbietet. Ein besonderer Schwerpunkt ist der Bereich Fondsfinanzierung und </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">alternative Anlageformen, in dem wir Produkte wie Subscription Credit Facilities als Teil unserer globalen Asset Based Finance-</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktivit\u00e4ten zur Verf\u00fcgung stellen k\u00f6nnen. F\u00fcr Firmenkunden mit Sitz in Gro\u00dfbritannien und Irland bietet unser Corporate Desk </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationen und Zugang zu einem umfangreichen Angebot an Finanzprodukten und -dienstleistungen, die von der RBI AG und </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Netzwerkbanken der Gruppe angeboten werden. </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Zweigstelle Singapur unterst\u00fctzt Kund:innen durch ihre umfassenden Kenntnisse der lokalen M\u00e4rkte in S\u00fcdostasien und ihre </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontakte zu Unternehmen, Banken und Beh\u00f6rden bei Vertriebsaktivit\u00e4ten sowie bei der Gr\u00fcndung von Niederlassungen oder </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Partnerschaften mit lokalen Unternehmen. Umgekehrt hilft die Zweigstelle Unternehmen aus der Region bei der </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontaktaufnahme mit Unternehmen und Banken in \u00d6sterreich und Zentral- und Osteuropa.</span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Portfolio der Zweigstelle in Polen umfasst im Wesentlichen Hypothekarkredite in Fremdw\u00e4hrung f\u00fcr Privatkund:innen. Der </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schwerpunkt liegt in der Administration der Fremdw\u00e4hrungskredite bis zu deren Endf\u00e4lligkeit. Dar\u00fcber hinaus entwickelt sie </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">digitale L\u00f6sungen f\u00fcr das Markets- und Investmentbankinggesch\u00e4ft sowie digitale Cloud-L\u00f6sungen f\u00fcr die RBI AG. Im Jahr 2022 </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde auch ein Kompetenzzentrum f\u00fcr das Kernbankensystem Temenos T24 eingerichtet.</span></div><span class=\"f charStyle-5ce759ba ps27\">Finanzielle <span id=\"ib91991d84d8e491d819228079d41a558\"></span></span><div class=\"ps33152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Leistungsindikatoren</span></div><div class=\"ps33153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Bilanzentwicklung<span id=\"i6ffe9eec8c064cf2b9351cfd3b6b2531\"></span></span></div><div class=\"ps30803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bilanzsumme der RBI AG verringerte sich im Gesch\u00e4ftsjahr 2025 um \u20ac 2.964.534 Tausend oder 3,6 Prozent auf \u20ac 79.110.593 </span></div><div class=\"ps30804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend. Aktivseitig resultiert der R\u00fcckgang in erster Linie aus geringeren Guthaben bei Zentralnotenbanken und r\u00fcckl\u00e4ufigen <span class=\"f ps24\"> </span></span></div><div class=\"ps33154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Forderungen an Kreditinstitute. Passivseitig geht die Verringerung im Wesentlichen auf r\u00fcckl\u00e4ufige Verbindlichkeiten gegen\u00fcber </span></div><div class=\"ps33155 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstituten zur\u00fcck.</span></div><div class=\"ps30807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der R\u00fcckgang der Barreserve und der Guthaben bei Zentralnotenbanken um \u20ac 3.343.747 Tausend oder 42,9 Prozent auf </span></div><div class=\"ps33156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 4.458.188 Tausend geht vorwiegend auf geringere Veranlagungen \u00fcbersch\u00fcssiger Liquidit\u00e4t in Form von Einlagen bei der </span></div><div class=\"ps33157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Oesterreichischen Nationalbank zur\u00fcck. </span></div><div class=\"ps14688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Schuldtitel \u00f6ffentlicher Stellen und \u00e4hnliche Wertpapiere, die zur Refinanzierung bei der Zentralnotenbank zugelassen sind, </span></div><div class=\"ps33158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verzeichneten im abgelaufenen Gesch\u00e4ftsjahr einen Anstieg um \u20ac 3.220.808 Tausend oder 29,8 Prozent auf </span></div><div class=\"ps33159 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 14.024.088 Tausend, was im Wesentlichen auf eine Erh\u00f6hung des Volumens an Staatsanleihen zur\u00fcckzuf\u00fchren ist. </span></div><div class=\"ps14691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Forderungen an Kreditinstitute sanken sich im Jahresvergleich im Wesentlichen aufgrund eines R\u00fcckgangs der Repo- und </span></div><div class=\"ps14692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leihegesch\u00e4fte um \u20ac 2.539.367 Tausend\u00a0 bzw. 20,4 Prozent auf \u20ac 11.622.166 Tausend.</span></div><div class=\"ps30811 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Forderungen an Kunden verzeichneten im Jahresvergleich einen Anstieg um \u20ac 536.624 Tausend oder 1,9 Prozent auf </span></div><div class=\"ps30812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 28.155.445 Tausend. Erh\u00f6ht haben sich vor allem die verbriefen Forderungen, die um \u20ac 619.295 Tausend angestiegen sind. Das </span></div><div class=\"ps33160 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvolumen ist, eine verhaltene Kreditnachfrage vor allem zu Jahresbeginn widerspiegelnd, bereinigt um Wertberichtigungen </span></div><div class=\"ps33161 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geringf\u00fcgig um netto \u20ac 221.754 Tausend bzw. 1,0% r\u00fcckl\u00e4ufig. Der Stand der Wertberichtigungen zu Kundenforderungen </span></div><div class=\"ps33162 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verringerte sich im Jahresvergleich durch eine Reduktion der Einzelwertberichtigungen auch im Zusammenhang mit </span></div><div class=\"ps33163 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausbuchungen uneinbringlicher Forderungen um \u20ac 660.368 Tausend auf \u20ac 545.807 Tausend. </span></div><div class=\"ps33164 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Schuldverschreibungen und andere festverzinsliche Wertpapiere weisen im Vergleich zum Vorjahresultimo eine Erh\u00f6hung </span></div><div class=\"ps33165 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um \u20ac 607.127 Tausend oder 16,8 Prozent auf \u20ac 4.226.882 Tausend auf. Die Entwicklung geht im Wesentlichen auf um \u20ac 523.990 </span></div><div class=\"ps33166 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend h\u00f6here Schuldverschreibungen und andere festverzinsliche Wertpapiere nicht\u00f6ffentlicher Emittenten zur\u00fcck. </span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Aktien und andere nicht festverzinsliche Wertpapiere stiegen im Jahresvergleich um \u20ac 59.494 Tausend bzw. 6,9 Prozent auf </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 926.021 Tausend, was auf eine Erh\u00f6hung des Aktienbestands um \u20ac 99.682 Tausend zur\u00fcckzuf\u00fchren ist.</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Posten Anteile an verbundenen Unternehmen erh\u00f6hte sich um \u20ac 212.977 Tausend oder 2,4 Prozent auf \u20ac 9.152.677 Tausend. </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verantwortlich daf\u00fcr sind in erster Linie Zuschreibungen bei der RZB \u2013 BLS Holding GmbH von \u20ac 210.281 Tausend sowie bei der </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Bank JSC (AVAL) von \u20ac 31.801 Tausend. Eine Abschreibung von \u20ac 37.991 Tausend war bei der Raiffeisen Bausparkasse </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesellschaft m.b.H. vorzunehmen.</span></div><div class=\"ps2412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen Verm\u00f6gensgegenst\u00e4nde gingen um \u20ac 1.296.028 Tausend oder 17,0 Prozent zur\u00fcck und weisen zum Jahresultimo </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einen Buchwert von \u20ac 6.310.916 Tausend auf. Diese Entwicklung ist vorrangig auf einen R\u00fcckgang der Dividendenforderungen </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um \u20ac 999.695 Tausend zur\u00fcckzuf\u00fchren. Dar\u00fcber hinaus hat sich der Buchwert der gem\u00fcnzten und ungem\u00fcnzten Edelmetalle </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um \u20ac 345.109 Tausend verringert.</span></div><div class=\"ps3659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Passivseitig zeigen die Verbindlichkeiten gegen\u00fcber Kreditinstituten einen R\u00fcckgang um \u20ac 3.928.104 Tausend oder 15,4 Prozent </span></div><div class=\"ps25667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf \u20ac 21.575.315 Tausend. Die Verbindlichkeiten gegen\u00fcber Kreditinstituten stellen mit rund 27 Prozent der Bilanzsumme einen </span></div><div class=\"ps16632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Anteil an der Refinanzierungsbasis der RBI AG dar. Im kurzfristigen Bereich verminderten sich die Giro- und </span></div><div class=\"ps2467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Clearinggesch\u00e4fte um \u20ac 1.644.610 Tausend und die kurzfristigen Geldmarktgesch\u00e4fte um \u20ac 384.867 Tausend. Die langfristigen </span></div><div class=\"ps2468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldmarktgesch\u00e4fte gingen gegen\u00fcber dem Ultimo des Vorjahres um \u20ac 1.003.707 Tausend zur\u00fcck. Ebenfalls r\u00fcckl\u00e4ufig waren </span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Repo-Gesch\u00e4fte (\u20ac 526.810 Tausend) und die Termineinlagen (\u20ac 360.340 Tausend). </span></div><div class=\"ps2470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verbindlichkeiten gegen\u00fcber Kunden sind um \u20ac 613.233 Tausend oder 3,5 Prozent auf \u20ac 17.127.562 Tausend gesunken. Der </span></div><div class=\"ps26053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckgang ist haupts\u00e4chlich auf geringere Termineinlagen und Repo-Gesch\u00e4fte zur\u00fcckzuf\u00fchren, die einen um</span></div><div class=\"ps12300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\"> \u20ac 786.878 Tausend bzw. um \u20ac 247.910 Tausend geringeren Ultimostand aufweisen. Im Gegensatz dazu sind die langfristigen </span></div><div class=\"ps26008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Geldmarktgesch\u00e4fte um \u20ac 460.546 Tausend gestiegen. </span></div><div class=\"ps2474 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Posten Verbriefte Verbindlichkeiten und Erg\u00e4nzungskapital gem\u00e4\u00df CRR stiegen im Vergleich zum Vorjahr um \u20ac 874.054 </span></div><div class=\"ps2475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend oder 4,1 Prozent auf \u20ac 22.317.768 Tausend. Im Berichtsjahr emittierte die RBI AG eine weitere unbesicherte, nicht </span></div><div class=\"ps2571 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nachrangige Senior-Non-Preferred Anleihe in H\u00f6he von \u20ac 500.000 Tausend (2024: \u20ac 500.000 Tausend) mit einer Laufzeit von </span></div><div class=\"ps26009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sechs Jahren. Eine vorzeitige R\u00fcckzahlungsm\u00f6glichkeit seitens des Emittenten ist nach f\u00fcnf Jahren, 2030, gegeben.</span></div><div class=\"ps26056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen Verbindlichkeiten erh\u00f6hten sich im Jahresvergleich leicht um \u20ac 158.876 Tausend bzw. 3,4 Prozent auf \u20ac 4.869.689 </span></div><div class=\"ps26057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend. Der Anstieg resultierte aus um \u20ac 308.600 Tausend h\u00f6heren Short-Positionen des Handelsgesch\u00e4fts. Teilweise </span></div><div class=\"ps26058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kompensiert wurde diese Entwicklung durch einen R\u00fcckgang der Verbindlichkeiten aus Treasurygesch\u00e4ften (negative </span></div><div class=\"ps26059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktwerte aus derivativen Finanzinstrumenten des Handelsbuches sowie Zinsabgrenzungen aus Derivaten des Bankbuches) </span></div><div class=\"ps26060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um \u20ac 192.561 Tausend. </span></div><div class=\"ps33168 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die R\u00fcckstellungen stiegen um \u20ac 168.936 Tausend oder 11,0 Prozent und betrafen mit \u20ac 49.172 Tausend (31.12.2024: \u20ac 53.133 </span></div><div class=\"ps33169 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) R\u00fcckstellungen f\u00fcr Abfertigungen, mit \u20ac 43.044 Tausend (31.12.2024: \u20ac 56.022 Tausend) R\u00fcckstellungen f\u00fcr Pensionen, <span class=\"f ps24\"> </span></span></div><div class=\"ps33170 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mit \u20ac 41.958 Tausend (31.12.2024: \u20ac 34.604 Tausend) Steuerr\u00fcckstellungen und mit \u20ac 1.568.717 Tausend (31.12.2024: \u20ac 1.390.196 </span></div><div class=\"ps33171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend) sonstige R\u00fcckstellungen. Der Anstieg bei den Steuerr\u00fcckstellungen geht im Wesentlichen auf eine Zuf\u00fchrung zu der </span></div><div class=\"ps33172 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckstellung aus der Umsetzung der EU-Richtlinie zur Implementierung einer globalen Mindestbesteuerung in \u00d6sterreich f\u00fcr das </span></div><div class=\"ps33173 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr 2025 in H\u00f6he von \u20ac 7.889 Tausend zur\u00fcck. </span></div><div class=\"ps33174 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Anstieg der sonstigen R\u00fcckstellungen resultiert mit \u20ac 178.521 Tausend in erster Linie aus h\u00f6heren R\u00fcckstellungen f\u00fcr </span></div><div class=\"ps33175 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozessrisiken, die als wesentliche Position Vorsorgen betreffend Fremdw\u00e4hrungskredite in Polen enth\u00e4lt (unter </span></div><div class=\"ps33176 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung der buchwertmindernd abgesetzten Vorsorgen f\u00fcr aktive Kredite sind die Vorsorgen f\u00fcr Fremdw\u00e4hrungs-<span class=\"f ps24\"> </span></span></div><div class=\"ps20125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kredite in Polen im Vorjahresvergleich in Summe gesunken). Einen R\u00fcckgang gegen\u00fcber dem Vorjahr weisen die R\u00fcckstellungen </span></div><div class=\"ps33177 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr sonstige Aufwendungen auf, die sich um \u20ac 48.718 Tausend vermindert haben. Zum Jahresultimo 2024 waren \u20ac 35.000 </span></div><div class=\"ps33178 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend f\u00fcr einen zugesagten und im J\u00e4nner 2025 bezahlten unwiderruflichen Gesellschafterzuschuss an die Raiffeisen Digital </span></div><div class=\"ps33179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bank AG enthalten. </span></div><div class=\"ps33180 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr im Rahmen funktionaler Einheiten bewertete Derivate, Ineffektivit\u00e4ten aus Bewertungseinheiten, nach dem Grundsatz der </span></div><div class=\"ps33181 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelbewertung gef\u00fchrte Kreditderivate und f\u00fcr nicht gesettelte Fremdw\u00e4hrungsderivate in UAH bestehen zum 31.12.2025 </span></div><div class=\"ps33182 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Drohverlustr\u00fcckstellungen in H\u00f6he von \u20ac 66.341 Tausend (31.12.2024: \u20ac 63.013 Tausend).</span></div><div class=\"ps33183 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bis zum Jahresende 2024 wurde das risikogewichtete Obligo gem\u00e4\u00df den Vorgaben der Verordnung (EU) Nr. 575/2013 (CRR II/</span></div><div class=\"ps33184 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basel III) berechnet. Das Inkrafttreten der Verordnung (EU) 2024/1623 (CRR III) zum 1. J\u00e4nner 2025 f\u00fchrte zu wesentlichen </span></div><div class=\"ps33185 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4nderungen bei der Berechnung der risikogewichteten Aktiva und der Kapitalanforderungen, insbesondere durch \u00fcberarbeitete <span class=\"f ps24\"> </span></span></div><div class=\"ps33186 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Standards f\u00fcr das Kredit- und operationelle Risiko.</span></div><div class=\"ps33187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Gesamtrisikobetrag belief sich zum Jahresende 2025 auf \u20ac 37.338.376 Tausend (2024: \u20ac 37.123.819 Tausend). Davon </span></div><div class=\"ps33188 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entfielen \u20ac 26.777.948 Tausend auf das Kreditrisiko (2024: \u20ac 30.059.228 Tausend), \u20ac 3.616.078 Tausend auf das Marktrisiko (2024: </span></div><div class=\"ps33189 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac3.065.494 Tausend) und \u20ac 6.528.109 Tausend auf das operationelle Risiko (2024: \u20ac 3.788.531 Tausend). Der Gesamtrisikobetrag </span></div><div class=\"ps33190 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">blieb damit im Vergleich zum Vorjahr mit einer nur geringf\u00fcgigen Erh\u00f6hung um \u20ac 214.557 Tausend nahezu unver\u00e4ndert. </span></div><div class=\"ps33191 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das harte Kernkapital (CET1-Kapital) lag zum Jahresultimo 2025 bei \u20ac 7.683.303 Tausend (2024: \u20ac 7.946.665 Tausend). Das </span></div><div class=\"ps33192 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernkapital (Tier 1) belief sich auf \u20ac 9.289.102 Tausend (2024: \u20ac 9.713.883 Tausend). Im Jahr 2025 wurde zus\u00e4tzliches Kernkapital </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 500.000 Tausend begeben. Weiters kam es zu einem R\u00fcckkauf von zus\u00e4tzlichem Kernkapital von \u20ac 674.200 Tausend. </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inklusive der abgegrenzten Zinsen betr\u00e4gt das zus\u00e4tzliche Kernkapital vor regulatorischen Anpassungen zum 31.12.2025 </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 1.638.799 Tausend (31.12.2024: \u20ac 1.800.218 Tausend). Die erg\u00e4nzenden Eigenmittel betrugen \u20ac 2.026.487 Tausend (2024: </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 2.208.093 Tausend). Die gesamten Eigenmittel beliefen sich auf \u20ac 11.315.589 Tausend gegen\u00fcber \u20ac 11.921.976 Tausend zum </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorjahresultimo. Die CET1-Quote sank im Vergleich zum Vorjahr um 0,8 Prozentpunkte auf 20,6 Prozent (2024: 21,4 Prozent). Die </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernkapitalquote betrug 24,9 Prozent gegen\u00fcber 26,2 Prozent im Vorjahr. Die Gesamtkapitalquote belief sich auf 30,3 Prozent </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(2024: 32,1 Prozent). Alle Kapitalquoten lagen ausreichend \u00fcber den jeweiligen Anforderungen (inkl. aller Puffer- und S\u00e4ule 2-</span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anforderungen).</span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die gebundenen Kapitalr\u00fccklagen in H\u00f6he von \u20ac 4.340.692 Tausend (31.12.2024: \u20ac 4.335.669 Tausend) blieben im Gesch\u00e4ftsjahr </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">nahezu unver\u00e4ndert. Die nicht gebundenen Kapitalr\u00fccklagen beliefen sich auf \u20ac 84.589 Tausend (31.12.2024: \u20ac 93.467 Tausend). </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der geringf\u00fcgige R\u00fcckgang ist auf den Handel mit eigenen Aktien im Zusammenhang mit dem Gesch\u00e4ftssegment Certificates </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Equity Traning zur\u00fcckzuf\u00fchren.</span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Anzahl der im Rahmen des Share Incentive Programms (SIP) f\u00fcr wesentliche Leistungstr\u00e4ger der Gesellschaft (Vorstand und </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">leitende Angestellte) und Vorstandsmitglieder von verbundenen Bank-Tochterunternehmen gewidmeten und in den Jahren </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2005 bis 2009 erworbenen eigenen Aktien betrug zum Jahresende 2025 322.204 St\u00fcck. Dies entspricht mit einem Nennwert von </span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 983 Tausend einem Anteil von 0,1 Prozent am Grundkapital. Die Share Incentive Programme sind 2018 ausgelaufen, </span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">demzufolge ergibt sich keine weitere Zuteilungsverpflichtung eigener Aktien aus diesen Programmen. Die Gesamtanzahl der </span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eigenen Aktien zum Jahresultimo 2025 betrug 698.767 St\u00fcck Aktien (2024: 525.274 St\u00fcck).</span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Gewinnr\u00fccklagen umfassten gesetzliche R\u00fccklagen in H\u00f6he von \u20ac 5.500 Tausend (31.12.2024: \u20ac 5.500 Tausend) und andere </span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">freie R\u00fccklagen in H\u00f6he von \u20ac 2.399.831 Tausend (31.12.2024: \u20ac 2.395.234 Tausend). Von den anderen freien R\u00fccklagen ist ein </span></div><div class=\"ps2424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrag von \u20ac 531.203 Tausend (31.12.2024: \u20ac 526.606 Tausend) dem Raiffeisen-IPS gewidmet. Aufgrund der Vereinbarung \u00fcber </span></div><div class=\"ps2425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Errichtung eines institutsbezogenen Sicherungssystems (Institutional Protection Scheme) und eines entsprechenden </span></div><div class=\"ps2426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beschlusses des Raiffeisen-IPS Risikorats wurde im Gesch\u00e4ftsjahr 2025 ein Beitrag in H\u00f6he von \u20ac 4.597 Tausend (31.12.2024:</span></div><div class=\"ps2427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 24.557 Tausend) als R\u00fccklage f\u00fcr das Raiffeisen-IPS den anderen Gewinnr\u00fccklagen zugef\u00fchrt. Die R\u00fccklage f\u00fcr das Bundes-IPS </span></div><div class=\"ps2428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist bei der Eigenmittelberechnung nach CRR nicht anrechenbar. </span></div><div class=\"ps27779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Stand der Haftr\u00fccklage betrug zum 31.12.2025 unver\u00e4ndert \u20ac 535.097 Tausend (31.12.2024: \u20ac 535.097 Tausend).</span></div><div class=\"ps33193 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Ertragslage<span id=\"i9909dd1645a04c3f91bbce04d63cf681\"></span></span></div><div class=\"ps2332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr 2025 verzeichnete der Nettozinsertrag der RBI AG einen leichten R\u00fcckgang um 1,0 Prozent oder \u20ac 3.379 </span></div><div class=\"ps2333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend auf \u20ac 325.017 Tausend. Das Zinsumfeld der Berichtsperiode ist gepr\u00e4gt durch die weitere Absenkung der EZB-<span class=\"f ps24\"> </span></span></div><div class=\"ps2334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Leitzinsen, welche zum Jahresende 2025 2,15 Prozent (31.12.2024: 3,15 Prozent) betrugen. Der R\u00fcckgang im Zinsergebnis der RBI <span class=\"f ps24\"> </span></span></div><div class=\"ps2335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AG ist neben gesunkenen Ertr\u00e4gen aus Guthaben bei Zentralbanken durch ein konjunkturell beeinflusstes Gesch\u00e4ftsumfeld </span></div><div class=\"ps2336 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bedingt. Weitgehend kompensiert werden konnten die R\u00fcckg\u00e4nge durch einen Zuwachs im Nettozinsertrag aus dem </span></div><div class=\"ps2337 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Interbanken- sowie aus dem Wertpapiergesch\u00e4ft. </span></div><div class=\"ps5856 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die um \u20ac 889.632 Tausend oder 39,0 Prozent auf \u20ac1.388.616 Tausend gesunkenen Ertr\u00e4ge aus Wertpapieren und Beteiligungen </span></div><div class=\"ps5857 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind auf geringere Dividendenertr\u00e4ge verbundener Unternehmen zur\u00fcckzuf\u00fchren. Die Beteiligungsertr\u00e4ge f\u00fcr das Gesch\u00e4ftsjahr </span></div><div class=\"ps5858 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 stammen mit \u20ac 1.200.000 Tausend im Wesentlichen aus der Raiffeisen RS Beteiligungs GmbH.</span></div><div class=\"ps33194 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Saldo aus Provisionsertr\u00e4gen und -aufwendungen verzeichnete im abgelaufenen Gesch\u00e4ftsjahr einen R\u00fcckgang von </span></div><div class=\"ps33195 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 13.974 Tausend oder 3,9 Prozent auf \u20ac 344.754 Tausend. Die Entwicklung geht mit \u20ac 3.539 Tausend auf ein geringeres </span></div><div class=\"ps33196 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transaktionsvolumen im Zahlungsverkehr zur\u00fcck, auch bedingt durch die Reduktion von Transaktionen mit Russland. Ebenfalls </span></div><div class=\"ps33197 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">r\u00fcckl\u00e4ufig sind das Provisionsergebnis aus dem Wertpapier- &amp; Depotgesch\u00e4ft sowie aus Anleiheemissionen (\u20ac 5.877 Tausend), </span></div><div class=\"ps33198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus dem Devisen-, Valuten- und Edelmetallgesch\u00e4ft (\u20ac 5.436 Tausend) und aus dem Dienstleistungsgesch\u00e4ft, das als <span class=\"f ps24\"> </span></span></div><div class=\"ps33199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentliche Position das M&amp;A Gesch\u00e4ft umfasst (\u20ac 2.386 Tausend). Im Vorjahresvergleich gesteigert werden konnte hingegen </span></div><div class=\"ps33200 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das Provisionsergebnis aus dem Kreditgesch\u00e4ft, das sich um \u20ac 5.088 Tausend erh\u00f6ht hat.</span></div><div class=\"ps33201 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Saldo der Ertr\u00e4ge/Aufwendungen aus Finanzgesch\u00e4ften war im Gesch\u00e4ftsjahr 2025 mit \u20ac 19.365 Tausend positiv, lag damit </span></div><div class=\"ps33202 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aber um \u20ac 91.494 Tausend bzw. 82,5 Prozent unter dem Vorjahresergebnis (2024: \u20ac 110.859 Tausend). Dies resultiert zu \u20ac 59.069 </span></div><div class=\"ps33203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend aus dem Handelsergebnis aus dem zinsbezogenen Derivategesch\u00e4ft, wobei hier auch die gegenl\u00e4ufigen </span></div><div class=\"ps33204 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsabsicherungspositionen zum Zertifikategesch\u00e4ft bzw. den aktien- und indexbezogenen Gesch\u00e4ften enthalten sind. </span></div><div class=\"ps33205 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ebenfalls r\u00fcckl\u00e4ufig war das um \u20ac 61.448 Tausend gesunkene Ergebnis aus w\u00e4hrungsbezogenen Derivat-, Devisen- und </span></div><div class=\"ps33206 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Valutengesch\u00e4fte, was in erster Linie auf einen R\u00fcckgang im Ergebnis aus dem Derivatehandel zur\u00fcckzuf\u00fchren ist. </span></div><div class=\"ps33207 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Festverzinsliche Wertpapiere im Handelsbestand liefern einen positiven Ergebnisbeitrag in H\u00f6he von </span></div><div class=\"ps33208 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 32.056 Tausend, blieben insgesamt aber um \u20ac 9.448 Tausend leicht unter dem Niveau des Vorjahres. Einen Anstieg im </span></div><div class=\"ps33209 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorjahresvergleich verzeichnete das Handelsergebnis aus Emissionen bzw. Zertifkaten und aktien- sowie indexbezogenen </span></div><div class=\"ps33210 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ften, das sich aufgrund eines h\u00f6heren Emissionsvolumens und des positiven Marktumfelds um \u20ac 38.417 Tausend </span></div><div class=\"ps33211 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbessert hat.</span></div><div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen betrieblichen Ertr\u00e4ge beinhalten weiterverrechnete Personal- und Sachkosten f\u00fcr Dienstleistungen in H\u00f6he von </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 172.549 Tausend (2024: \u20ac 144.199 Tausend), Ertr\u00e4ge aus der Aufl\u00f6sung von Drohverlustr\u00fcckstellungen aus Derivaten in H\u00f6he </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 10.300 Tausend (2024: \u20ac 26.174 Tausend), Ertr\u00e4ge aus Close-Out Fees f\u00fcr Derivate des Bankbuchs in H\u00f6he von \u20ac 30.228 </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend (2024: \u20ac 26.393 Tausend), Ertr\u00e4ge aus der Aufl\u00f6sung sonstiger R\u00fcckstellungen in H\u00f6he von \u20ac 6.209 Tausend (2024: </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 7.653 Tausend) sowie Ertr\u00e4ge aus der Weiterverrechnung bzw. weiterzuverrechnenden Leistungen an Netzwerkbanken der </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG in Zusammenhang mit der \u00dcbernahme der Digitalisierungsprojekte der RBI Retail Innovation GmbH im ersten Halbjahr </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024 in H\u00f6he von \u20ac 26.798 Tausend (2024: \u20ac 34.027 Tausend).</span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Betriebsertr\u00e4ge erreichten somit einen Wert von \u20ac 2.366.354 Tausend, was einer Unterschreitung des Vorjahreswerts von </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 3.376.636 Tausend um \u20ac 1.010.282 Tausend bzw. 29,9 Prozent entspricht.</span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Betriebsaufwendungen sanken gegen\u00fcber dem Gesch\u00e4ftsjahr 2024 um \u20ac 436.626 Tausend oder 23,5 Prozent auf \u20ac 1.421.861 </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend. Der Personalaufwand blieb mit einem Anstieg von lediglich \u20ac 450 Tausend weitgehend konstant und bel\u00e4uft sich auf </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 534.556 Tausend. Eine durch eine inflationsbedingte Lohn- und Gehaltserh\u00f6hung sowie durch eine im Durchschnitt </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gestiegene Anzahl der Mitarbeiter:innen bedingte Erh\u00f6hung der Aufwendungen f\u00fcr L\u00f6hne und Geh\u00e4lter um \u20ac 8.113 Tausend </span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurde durch geringere Dotierungserfordernisse bzw. Aufl\u00f6sungen bei den Sozialkapitalr\u00fcckstellungen weitestgehend </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgeglichen.</span></div><div class=\"ps4059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Sachaufwand ist aufgrund von Kostenoptimierungsinitiativen deutlich um \u20ac54.724 Tausend oder 12,7 Prozent auf </span></div><div class=\"ps2568 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 429.908 Tausend gesunken. Die Entwicklung ist in erster Linie auf einen R\u00fcckgang des Rechts- und Beratungsaufwands auf </span></div><div class=\"ps2421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 90.529 Tausend (2024: 118.012 Tausend) sowie des IT Aufwands auf \u20ac 194.000 Tausend (2024: 207.739 Tausend) </span></div><div class=\"ps2422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcckzuf\u00fchren. Der Sachaufwand umfasst dar\u00fcber hinaus im Wesentlichen Mieten in H\u00f6he von \u20ac 35.930 Tausend (2024: </span></div><div class=\"ps2423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 38.737 Tausend), Kommunikationsaufwendungen in H\u00f6he von \u20ac 24.798 Tausend (2024: \u20ac 25.669 Tausend) sowie </span></div><div class=\"ps2424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufwendungen f\u00fcr Werbung, PR und Marketing in H\u00f6he von \u20ac 17.828 Tausend (2024: \u20ac 19.473 Tausend). Die Abschreibungen auf </span></div><div class=\"ps2425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sachanlagen und immaterielle Verm\u00f6gensgegenst\u00e4nde verringerten sich im Berichtszeitraum um \u20ac 2.732 Tausend auf \u20ac 9.368 </span></div><div class=\"ps2426 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend (2024: \u20ac 12.100 Tausend).<span class=\"f ps24\"> </span></span></div><div class=\"ps27777 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen betrieblichen Aufwendungen sanken gegen\u00fcber dem Vorjahr um \u20ac 379.620 Tausend oder 84,7 Prozent auf </span></div><div class=\"ps27778 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 448.029 Tausend. Darin enthalten sind Dotationen f\u00fcr Drohverlustr\u00fcckstellungen f\u00fcr Bankbuchderivate in H\u00f6he von \u20ac 13.627 </span></div><div class=\"ps27779 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend (2024: \u20ac 6.706 Tausend), Dotationen f\u00fcr sonstige R\u00fcckstellungen in der Zweigstelle Polen (siehe dazu auch Bilanzposten </span></div><div class=\"ps27780 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\"R\u00fcckstellungen\" sowie Kapitel \"Prozessrisiko Fremdw\u00e4hrungskredite Polen\") in H\u00f6he von \u20ac 81.256 Tausend (2024: </span></div><div class=\"ps27781 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 545.111 Tausend) sowie Aufwendungen aus Close-Out Fees f\u00fcr Derivate des Bankbuchs in H\u00f6he von \u20ac 33.797 Tausend (2024: </span></div><div class=\"ps27782 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 39.108 Tausend). Dar\u00fcber hinaus enthalten sind Aufwendungen aus weiterverrechneten Personal- und Sachkosten in H\u00f6he </span></div><div class=\"ps27783 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 62.092 Tausend (2024: \u20ac 37.231 Tausend), Aufwendungen aus der \u00dcbernahme der Digitalisierungsprojekte der RBI Retail </span></div><div class=\"ps27812 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Innovation GmbH in H\u00f6he von \u20ac 28.852 Tausend (2024: \u20ac 34.169 Tausend) sowie Aufwendungen in Zusammenhang mit </span></div><div class=\"ps27813 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">au\u00dfergerichtlichen Vergleichen hinsichtlich Fremdw\u00e4hrungskrediten in der Zweigstelle Polen von \u20ac 215.779 Tausend (2024: </span></div><div class=\"ps23986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 109.760 Tausend). </span></div><div class=\"ps27787 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nach Abzug der Betriebsaufwendungen von den Betriebsertr\u00e4gen ergab sich in der RBI AG f\u00fcr das Gesch\u00e4ftsjahr 2025 ein </span></div><div class=\"ps27788 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betriebsergebnis in H\u00f6he von \u20ac 944.493 Tausend, was im Vorjahresvergleich eine Reduktion um \u20ac 573.656 Tausend oder 37,8 </span></div><div class=\"ps32299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent darstellt. Demzufolge errechnete sich eine Cost/Income Ratio (Betriebsaufwendungen geteilt durch Betriebsertr\u00e4ge) </span></div><div class=\"ps27816 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von 60,09 Prozent (2024: 55,04 Prozent).</span></div><div class=\"ps27791 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Ertrags-/Aufwandssaldo aus der Ver\u00e4u\u00dferung und der Bewertung von Forderungen und Wertpapieren des </span></div><div class=\"ps27792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umlaufverm\u00f6gens ergab wie im Vorjahr einen negativen Saldo in H\u00f6he von \u20ac 185.583 Tausend (2024: \u20ac 176.110 Tausend). Diese </span></div><div class=\"ps27793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung resultierte einerseits aus einem positiven Bewertungs- und Ver\u00e4u\u00dferungsergebnis von Verm\u00f6genswerten des </span></div><div class=\"ps27794 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umlaufverm\u00f6gens inklusive Verlusten aus Vertragsanpassungen sowie der Bankbuch Derivate in H\u00f6he von insgesamt \u20ac 4.076 </span></div><div class=\"ps27795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend (2024: \u20ac minus 7.458 Tausend) sowie aus einem Ergebnis aus der Bewertung von Forderungen und Garantien von </span></div><div class=\"ps27817 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">minus\u20ac189.659 Tausend (2024: minus \u20ac 168.651 Tausend).</span></div><div class=\"ps33213 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bereich der Einzelwertberichtigungen verzeichnete die RBI AG eine Nettodotierung der Wertberichtigungen in H\u00f6he von </span></div><div class=\"ps33214 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac 122.903 Tausend. Im Vergleich zum Vorjahr bedeutet das einen R\u00fcckgang der Zuf\u00fchrung um \u20ac 140.593 Tausend. Diese </span></div><div class=\"ps32300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung ist auf niedrigere Ausfall- und Verlustraten bei Gro\u00dfkunden zur\u00fcckzuf\u00fchren, insbesondere im Segment Immobilien- </span></div><div class=\"ps33215 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Industriefinanzierung. Im Bereich der Portfolio-Wertberichtigungen war im Berichtsjahrjahr - im Gegensatz zu 2024 - ein </span></div><div class=\"ps27822 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anstieg der Risikovorsorgen zu nicht ausgefallenen Forderungen verzeichnen. Es kam per Saldo zu einer Nettodotierung von </span></div><div class=\"ps27823 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Portfolio-Wertberichtungen in H\u00f6he von \u20ac 67.996 Tausend (2024: Nettoaufl\u00f6sung \u20ac 84.993 Tausend). Ma\u00dfgeblich f\u00fcr diese </span></div><div class=\"ps27824 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung sind im Wesentlichen \u00c4nderungen der Management-Overlays sowie die Aktualisierung der Risikobeurteilung </span></div><div class=\"ps27825 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(insbesondere aufgrund von Ratingver\u00e4nderungen). Im Vorjahr kam es zudem zu mehreren Ausf\u00e4llen und daraus resultierenden </span></div><div class=\"ps27826 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transfers in Stage 3. Bei substanziellen sowie nicht-substanziellen Vertragsanpassungen wurden im Gesch\u00e4ftsjahr </span></div><div class=\"ps27827 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchwertverluste in H\u00f6he von minus \u20ac 9.643 Tausend (2024: Buchwertverluste in H\u00f6he von \u20ac 9.445 Tausend) realisiert. Das </span></div><div class=\"ps33216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnis aus au\u00dferordentlichen Ver\u00e4u\u00dferungen von Kreditforderungen bel\u00e4uft sich auf minus \u20ac 858 Tausend (2024: minus \u20ac </span></div><div class=\"ps27628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">545 Tausend). Im Gesch\u00e4ftsjahr wurden wie im Vorjahr keine wesentlichen Gewinne und Verluste aus Anteilen an </span></div><div class=\"ps27629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investmentfonds realisiert</span><span class=\"f charStyle-1076b8a0 ps32793\">.</span></div><div class=\"ps32303 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Posten Ertrags-/Aufwandssaldo aus der Ver\u00e4u\u00dferung und der Bewertung von Wertpapieren, die wie Finanzanlagen </span></div><div class=\"ps32305 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewertet sind, sowie von Anteilen an verbundenen Unternehmen und Beteiligungen wurden im Gesch\u00e4ftsjahr Zuschreibungen </span></div><div class=\"ps32306 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von insgesamt \u20ac 258.335 Tausend vorgenommen, darunter die RZB-BLS Holding GmbH mit \u20ac 210.281 Tausend, die </span></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisenbank JSC (AVAL) mit \u20ac 31.801 Tausend sowie die Posojilnica Bank eGen mit \u20ac 5.073 Tausend. Im Gesch\u00e4ftsjahr wurden </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anteile an verbundenen Unternehmen und Beteiligungen in H\u00f6he von insgesamt \u20ac 52.963 Tausend abgeschrieben, darunter die </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisen Bausparkasse Gesellschaft m.b.H. mit \u20ac 37.991 Tausend sowie die LOTA Handels- und Beteiligungs-GmbH mit \u20ac 4.142 </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Tausend </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\"> Aus der Ver\u00e4u\u00dferung von Anteilen an verbundenen Unternehmen und Beteiligungen ergibt sich im Gesch\u00e4ftsjahr ein positiver </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnisbeitrag in H\u00f6he von \u20ac 2.097 Tausend (2024: \u20ac 2.008 Tausend). Insgesamt werden somit Gewinne von \u20ac 207.469 Tausend </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(2024: Verlust \u20ac 1.184.950 Tausend) aus der Bewertung und Ver\u00e4u\u00dferung von Anteilen an verbundenen Unternehmen und </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen ausgewiesen. Im Gesch\u00e4ftsjahr 2025 sind aus dem Verkauf und der Bewertung von Wertpapieren des </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzanlageverm\u00f6gens Ertr\u00e4ge in H\u00f6he von \u20ac 492 Tausend aufgelaufen (2024: Aufwand \u20ac 2.612 Tausend).</span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Somit ergab sich ein positives Ergebnis der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit (EGT) f\u00fcr das vergangene Gesch\u00e4ftsjahr in H\u00f6he </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u20ac 966.871 Tausend (2024: \u20ac 154.478 Tausend). </span></div><div class=\"ps25667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Gesch\u00e4ftsjahr ergab sich ein Return on Equity vor Steuern (Jahres\u00fcberschuss vor Steuern geteilt durch das durchschnittliche <span class=\"f ps24\"> </span></span></div><div class=\"ps16632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eigenkapital des Gesch\u00e4ftsjahrs inkl. Ber\u00fccksichtigung von AT 1 Instrumenten) von 9,2 Prozent (2024: 1,6 Prozent).</span></div><div class=\"ps5026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das f\u00fcr das Gesch\u00e4ftsjahr 2024 ausgewiesene Umgr\u00fcndungsergebnis in H\u00f6he von \u20ac 164.185 Tausend geht auf ein im </span></div><div class=\"ps25668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsjahr umgesetztes Projekt zur Vereinfachung der Holdingstruktur f\u00fcr diverse \u00f6sterreichische Tochtergesellschaften </span></div><div class=\"ps2469 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zur\u00fcck. Im Detail entspricht es dem Unterschiedsbetrag zwischen dem untergehenden Beteiligungsansatz an der RBI </span></div><div class=\"ps2470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungs GmbH und dem Saldo des \u00fcbernommenen Reinverm\u00f6gens.</span></div><div class=\"ps2471 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Steuern vom Einkommen und Ertrag weisen per Saldo einen Steuerertrag aus und belaufen sich f\u00fcr das Gesch\u00e4ftsjahr 2025 </span></div><div class=\"ps2472 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf \u20ac 19.936 Tausend (2024: \u20ac 12.354 Tausend). Der Posten enth\u00e4lt einen Ertrag aus laufenden Steuern vom Einkommen und </span></div><div class=\"ps2473 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertrag in H\u00f6he von \u20ac 23.821 Tausend (2024: \u20ac 18.817 Tausend), einen latenten Steueraufwand in H\u00f6he von \u20ac 8 Tausend (2024: </span></div><div class=\"ps2474 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerertrag \u20ac 300 Tausend) sowie einen Steueraufwand f\u00fcr Vorjahre in H\u00f6he von \u20ac 11 Tausend (2024: \u20ac 3.445 Tausend). Des </span></div><div class=\"ps2475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiteren enthalten sind ausl\u00e4ndische Quellensteuern mit einem Betrag in H\u00f6he von \u20ac 3.867 Tausend (2024: \u20ac 3.320 Tausend).</span></div><div class=\"ps14151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die sonstigen Steuern enthalten im Wesentlichen die \u00f6sterreichische Stabilit\u00e4tsabgabe einschlie\u00dflich der Sonderzahlung f\u00fcr </span></div><div class=\"ps33218 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 in H\u00f6he von insgesamt \u20ac 77.538 Tausend (2024: \u20ac 24.427 Tausend).</span></div><div class=\"ps25672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als Return on Equity nach Steuern (Jahresgewinn nach Steuern geteilt durch das durchschnittliche Eigenkapital des </span></div><div class=\"ps25673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsjahrs inkl. Ber\u00fccksichtigung von AT 1 Instrumenten) errechnete sich ein Wert von 8,7 Prozent (2024: 3,1 Prozent).</span></div><div class=\"ps13795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Jahres\u00fcberschuss 2025 betrug somit \u20ac 909.493 Tausend (2024: \u20ac 307.908 Tausend). </span></div><div class=\"ps25674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter Ber\u00fccksichtigung der R\u00fccklagenbewegung von minus \u20ac 4.597 Tausend und des Gewinnvortrags von \u20ac 343.654 Tausend </span></div><div class=\"ps13796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus dem Vorjahr ergab sich ein Bilanzgewinn in H\u00f6he von \u20ac 1.248.550 Tausend (2024: \u20ac 704.335 Tausend).</span></div><span class=\"f charStyle-5ce759ba ps27\">Kapital-, Anteils-, Stimm- und <span id=\"i4c8eef17d4954cb9a804e3f588dba4e1\"></span></span><div class=\"ps912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Kontrollrechte</span></div><div class=\"ps955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die folgenden Angaben erf\u00fcllen die Bestimmungen des \u00a7 243a Abs 1 UGB:</span></span></div><div class=\"ps33220 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(1) </span></span><span class=\"f charStyle-26fbf26f ps2338\"><span style=\"background-color:inherit\">Das Grundkapit</span></span><span class=\"f charStyle-9eccfdcb ps2339\">al der Gesellschaft betr\u00e4gt zum 31. Dezembe</span><span class=\"f charStyle-26fbf26f ps2340\"><span style=\"background-color:inherit\">r 2025 \u20ac</span></span><span class=\"f charStyle-9eccfdcb ps2341\"> 1.003.265.844,05 und ist in </span><span class=\"f charStyle-9eccfdcb ps2342\">328.939.621</span><span class=\"f charStyle-26fbf26f ps2343\"><span style=\"background-color:inherit\"> auf </span></span><span class=\"f charStyle-9eccfdcb ps2344\">Inhaber </span></div><div class=\"ps33221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lautende stimmberechtigte Stammaktien aufgeteilt. Davon sind zum Stichtag 31. Dezember </span><span class=\"f charStyle-9eccfdcb ps2346\">2025</span><span class=\"f charStyle-9eccfdcb ps2347\"> <span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2348\">698.767</span><span class=\"f charStyle-9eccfdcb ps2349\"> St\u00fcck (31. Dezember </span></div><div class=\"ps33222 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2024</span><span class=\"f charStyle-9eccfdcb ps2351\">: </span><span class=\"f charStyle-9eccfdcb ps2352\">525.274</span><span class=\"f charStyle-9eccfdcb ps2353\"> St\u00fcck) eigene Aktien, sodass sich zum Bilanzstichtag </span><span class=\"f charStyle-9eccfdcb ps2354\">328.240.854</span><span class=\"f charStyle-9eccfdcb ps2355\"> Aktien im Umlauf befanden.</span></div><div class=\"ps33223 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(2) Die Satzung enth\u00e4lt keine Beschr\u00e4nkungen, die Stimmrechte oder die \u00dcbertragung von Aktien betreffen. Die Raiffeisen-</span></span></div><div class=\"ps33224 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Landesbanken und unmittelbare und mittelbare Tochtergesellschaften der Raiffeisen-Landesbanken sind Parteien eines </span></span></div><div class=\"ps33225 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Syndikatsvertrags in Bezug auf die RBI AG (Syndikatsvereinbarung). In dieser Syndikatsvereinbarung ist u. a. neben einer </span></span></div><div class=\"ps33226 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Stimmbindung und Vorkaufsrechten insbesondere geregelt, dass Verk\u00e4ufe von durch die Raiffeisen-Landesbanken gehaltenen </span></span></div><div class=\"ps33227 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">RBI-Aktien (mit wenigen Ausnahmen) nicht m\u00f6glich sind, wenn dadurch die zusammengerechnete Beteiligung der Raiffeisen-</span></span></div><div class=\"ps33228 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Landesbanken an der RBI AG (unmittelbar und/oder mittelbar) 40 Prozent des Grundkapitals zuz\u00fcglich einer Aktie </span></span></div><div class=\"ps33229 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">unterschreiten w\u00fcrde.</span></span></div><div class=\"ps33230 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(3) Die Raiffeisenlandesbank Nieder\u00f6sterreich-Wien AG h\u00e4lt direkt und indirekt gesamt rund 25,00 Prozent am Grundkapital der </span></span></div><div class=\"ps33231 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gesellschaft. Weiters sind die Raiffeisen-Landesbanken und deren unmittelbaren und mittelbaren Tochtergesellschaften </span></span></div><div class=\"ps33232 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">aufgrund der Syndikatsvereinbarung in Bezug auf die RBI AG gemeinsam vorgehende Rechtstr\u00e4ger iSd \u00a7 1 Z 6 \u00dcbG. Die </span></span></div><div class=\"ps33233 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Raiffeisen-Landesbanken halten insgesamt einen Stimmrechtsanteil von rund 61,17 Prozent. Die restlichen Aktien der RBI AG </span></span></div><div class=\"ps33234 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">befinden sich im Streubesitz. Dem Vorstand sind keine weiteren direkten oder indirekten Beteiligungen am Kapital bekannt, die </span></span></div><div class=\"ps33235 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zumindest 10 Prozent betragen.</span></span></div><div class=\"ps33236 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(4) Die Satzung enth\u00e4lt keine besonderen Kontrollrechte von Aktieninhaber:innen. Gem\u00e4\u00df Syndikatsvereinbarung f\u00fcr die RBI AG </span></span></div><div class=\"ps33237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">k\u00f6nnen neun Mitglieder des Aufsichtsrats der RBI AG durch die Raiffeisen-Landesbanken nominiert werden. Neben den von den </span></span></div><div class=\"ps33238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Raiffeisen-Landesbanken nominierten Mitgliedern sollen dem Aufsichtsrat der RBI AG drei nicht der Raiffeisen Bankengruppe </span></span></div><div class=\"ps33239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">\u00d6sterreich zurechenbare unabh\u00e4ngige Vertreter:innen des Streubesitzes angeh\u00f6ren.</span></span></div><div class=\"ps33240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(5) Es besteht keine Stimmrechtskontrolle bei einer Kapitalbeteiligung der Arbeitnehmer:innen.</span></div><div class=\"ps33241 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(6) Laut Satzung k\u00f6nnen Personen, die das 68. Lebensjahr vollendet haben, nicht zum Mitglied des Vorstands bestellt oder f\u00fcr </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">eine weitere Funktionsperiode wiederbestellt werden. F\u00fcr den Aufsichtsrat gilt, dass Personen, die das 75. Lebensjahr vollendet </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">haben, nicht zum Mitglied des Aufsichtsrats gew\u00e4hlt oder f\u00fcr eine weitere Funktionsperiode wiedergew\u00e4hlt werden k\u00f6nnen. </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33244 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Mitglied des Aufsichtsrats kann ferner keine Person sein, die insgesamt bereits acht Aufsichtsratsmandate in b\u00f6rsenotierten </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gesellschaften innehat. Der Vorsitz im Aufsichtsrat einer b\u00f6rsenotierten Gesellschaft z\u00e4hlt dabei doppelt. Von dieser </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Beschr\u00e4nkung kann die Hauptversammlung durch einfache Mehrheit der abgegebenen Stimmen absehen, sofern dies </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33247 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">gesetzlich zul\u00e4ssig ist. Jede zur Wahl gestellte Person, die mehr Aufsichtsratsmandate oder -vorsitze in b\u00f6rsenotierten </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gesellschaften innehat, hat dies der Hauptversammlung gegen\u00fcber offenzulegen. Dar\u00fcber hinaus bestehen keine \u00fcber das </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33249 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gesetz hinausgehenden Bestimmungen hinsichtlich der Ernennung und Abberufung der Mitglieder des Vorstands und des </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Aufsichtsrats. Die Satzung der Gesellschaft sieht vor, dass, soweit nicht zwingende gesetzliche Bestimmungen eine andere </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33251 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Mehrheit vorschreiben, die Hauptversammlung ihre Beschl\u00fcsse mit einfacher Mehrheit der abgegebenen Stimmen fasst. In </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">F\u00e4llen, in denen das Gesetz au\u00dfer der Stimmenmehrheit eine Kapitalmehrheit vorschreibt, erfolgt dies mit einfacher Mehrheit </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33253 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">des bei der Beschlussfassung vertretenen Grundkapitals. Aufgrund dieser Bestimmung k\u00f6nnen Aufsichtsratsmitglieder mit </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33254 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einfacher Mehrheit vorzeitig abberufen werden. Der Aufsichtsrat kann Satzungs\u00e4nderungen, die nur die Fassung betreffen, </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">beschlie\u00dfen. Dieses Recht kann an Aussch\u00fcsse delegiert werden. Dar\u00fcber hinaus bestehen keine \u00fcber das Gesetz </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">hinausgehenden Bestimmungen \u00fcber die \u00c4nderung der Satzung der Gesellschaft.</span><span class=\"f ps24\"> </span></span></div><div class=\"ps33257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(7)<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2394\"> </span><span class=\"f charStyle-26fbf26f ps2395\"><span style=\"background-color:inherit\">Der Vorstand ist seit der Hauptversammlung vom 4. April 2024 gem\u00e4\u00df \u00a7 169 AktG erm\u00e4chtigt, bis l\u00e4ngstens 16. Mai 2029 mit </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zustimmung des Aufsichtsrats das Grundkapital \u2013 allenfalls in mehreren Tranchen \u2013 um bis zu \u20ac 501.632.920,50 durch Ausgabe </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">von bis zu 164.469.810 St\u00fcck neuen, auf Inhaber lautenden stimmberechtigten Stammaktien gegen Bar- und/oder Sacheinlage </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">zu erh\u00f6hen (auch im Wege des mittelbaren Bezugsrechts durch ein Kreditinstitut gem\u00e4\u00df \u00a7 153 Abs 6 AktG) und den Ausgabekurs </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">sowie die Ausgabebedingungen im Einvernehmen mit dem Aufsichtsrat festzusetzen. Der Vorstand ist ferner erm\u00e4chtigt, mit </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33262 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Zustimmung des Aufsichtsrats das gesetzliche Bezugsrecht der Aktion\u00e4re auszuschlie\u00dfen, (i) wenn die Kapitalerh\u00f6hung gegen </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Sacheinlage erfolgt oder (ii) wenn die Kapitalerh\u00f6hung gegen Bareinlage erfolgt und die unter Ausschluss des Bezugsrechts </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">ausgegebenen Aktien insgesamt 10 Prozent des Grundkapitals der Gesellschaft nicht \u00fcberschreiten (Bezugsrechtsausschluss). </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Die (i) Ausn\u00fctzung des genehmigten Kapitals unter Ausschluss des gesetzlichen Bezugsrechts bei Kapitalerh\u00f6hung gegen </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Bareinlage sowie die (ii) Durchf\u00fchrung des in der Hauptversammlung vom 26. M\u00e4rz 2025 beschlossenen bedingten Kapitals </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33267 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">(siehe unten)</span><span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2407\"> zur Gew\u00e4hrung von Umtausch- und Bezugsrechten an Gl\u00e4ubiger von Wandelschuldverschreibungen <span class=\"f ps24\"> </span></span><span class=\"f charStyle-26fbf26f ps2408\"><span style=\"background-color:inherit\">d\u00fcrfen </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">insgesamt 10 Prozent des Grundkapitals der Gesellschaft nicht \u00fcberschreiten. Die Ausn\u00fctzung des genehmigten Kapitals in </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33269 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Form einer Kapitalerh\u00f6hung gegen Sacheinlage ist von dieser Einschr\u00e4nkung nicht u</span><span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2409\">mfasst.<span class=\"f ps24\"> </span></span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Seither wurde von dieser Erm\u00e4chtigung vom April 2024 kein Gebrauch gemacht.<span class=\"f ps24\"> </span></span></div><div class=\"ps3507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Das Grundkapital ist gem\u00e4\u00df \u00a7 159 Abs 2 Z 1 AktG um bis zu \u20ac 100.326.584,- durch Ausgabe von bis zu 32.893.962 St\u00fcck auf </span></span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Inhaber lautenden Stammaktien bedingt erh\u00f6ht (bedingtes Kapital). Die bedingte Kapitalerh\u00f6hung wird nur insoweit </span></span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">durchgef\u00fchrt, als von einem unentziehbaren Umtausch- oder Bezugsrecht Gebrauch gemacht wird, das die Gesellschaft den </span></span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Gl\u00e4ubigern von Wandelschuldverschreibungen, die auf der Grundlage des Hauptversammlungsbeschlusses vom 26. M\u00e4rz 2025 </span></span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">innerhalb von f\u00fcnf Jahren ab dem Datum der Beschlussfassung, sohin bis zum 25. M\u00e4rz 2030, </span><span class=\"f charStyle-26fbf26f ps2414\"><span style=\"background-color:inherit\">ausgegeben werden, auf Aktien </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">einr\u00e4umt, oder im Falle einer in den Ausgabebedingungen von Wandelschuldverschreibungen festgelegten Wandlungspflicht, </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">diese Wandlungspflicht zu erf\u00fcllen ist, und, in beiden F\u00e4llen, der Vorstand nicht beschlie\u00dft, eigene Aktien zuzuteilen</span></span><span class=\"f charStyle-9eccfdcb ps2415\">. Der </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausgabebetrag und das Umtauschverh\u00e4ltnis sind nach Ma\u00dfgabe anerkannter finanzmathematischer Methoden sowie des </span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kurses der Aktien der Gesellschaft in einem anerkannten Preisfindungsverfahren zu ermitteln (Grundlage der Berechnung des </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausgabebetrages); der Ausgabebetrag darf nicht unter dem anteiligen Betrag des Grundkapitals liegen. Die neu ausgegebenen </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktien der bedingten Kapitalerh\u00f6hung haben eine Dividendenberechtigung, die jener bereits bestehenden Aktien entspricht. Der </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorstand wurde erm\u00e4chtigt, auf Grundlage der Ausgabebedingungen der Wandelschuldverschreibungen die weiteren </span></div><div class=\"ps3807 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelheiten der Aktienausgabe durchzuf\u00fchren.</span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Hauptversammlung vom 26. M\u00e4rz 2025 erm\u00e4chtigte den Vorstand ferner, gem\u00e4\u00df \u00a7 174 Abs 2 AktG innerhalb von f\u00fcnf Jahren <span class=\"f ps24\"> </span></span></div><div class=\"ps2419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ab dem Datum der Beschlussfassung, sohin bis zum 25. M\u00e4rz 2030, mit Zustimmung des Aufsichtsrats, auch in mehreren <span class=\"f ps24\"> </span></span></div><div class=\"ps2420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Emissionen, Wandelschuldverschreibungen, mit denen ein Umtausch- oder Bezugsrecht in Aktien der Gesellschaft verbunden <span class=\"f ps24\"> </span></span></div><div class=\"ps12685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ist, oder Wandelschuldverschreibungen mit Wandlungspflicht (bedingte Pflichtwandelschuldverschreibungen gem\u00e4\u00df \u00a7 26 BWG), <span class=\"f ps24\"> </span></span></div><div class=\"ps12689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">inklusive Wandelschuldverschreibungen, die die Anforderungen f\u00fcr Instrumente des zus\u00e4tzlichen Kernkapitals gem\u00e4\u00df der <span class=\"f ps24\"> </span></span></div><div class=\"ps12690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verordnung (EU) Nr. 575/2013 des Europ\u00e4ischen Parlaments und des Rates vom 26. Juni 2013 \u00fcber Aufsichtsanforderungen an <span class=\"f ps24\"> </span></span></div><div class=\"ps12691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditinstitute und Wertpapierfirmen in der jeweils geltenden Fassung erf\u00fcllen, unter g\u00e4nzlichen Ausschluss des Bezugsrechts <span class=\"f ps24\"> </span></span></div><div class=\"ps12692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Aktion\u00e4re auszugeben. Die Erm\u00e4chtigung umfasst die Begebung von Wandelschuldverschreibungen mit einem <span class=\"f ps24\"> </span></span></div><div class=\"ps12693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamtnennbetrag von bis zu \u20ac 1.000.000.000,- mit Umtausch- oder Bezugsrecht auf bis zu 32.893.962 St\u00fcck auf Inhaber <span class=\"f ps24\"> </span></span></div><div class=\"ps12694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lautende Stammaktien der Gesellschaft mit dem anteiligen Betrag am Grundkapital von bis zu \u20ac 100.326.584,-. Der <span class=\"f ps24\"> </span></span></div><div class=\"ps27749 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausgabebetrag und das Umtauschverh\u00e4ltnis sind nach Ma\u00dfgabe anerkannter finanzmathematischer Methoden sowie des <span class=\"f ps24\"> </span></span></div><div class=\"ps27750 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kurses der Aktien der Gesellschaft in einem anerkannten Preisfindungsverfahren zu ermitteln (Grundlage der Berechnung des <span class=\"f ps24\"> </span></span></div><div class=\"ps27751 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausgabebetrages); der Ausgabebetrag der Wandelschuldverschreibungen darf nicht unter dem anteiligen Betrag des <span class=\"f ps24\"> </span></span></div><div class=\"ps27752 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grundkapitals liegen. Der Vorstand wurde in diesem Zusammenhang erm\u00e4chtigt, mit Zustimmung des Aufsichtsrats die <span class=\"f ps24\"> </span></span></div><div class=\"ps27753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">n\u00e4heren Ausgabe- und Ausstattungsmerkmale sowie die Emissionsbedingungen der Wandelschuldverschreibungen <span class=\"f ps24\"> </span></span></div><div class=\"ps27716 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festzulegen, insbesondere Zinssatz, Ausgabekurs, Laufzeit und St\u00fcckelung, Verw\u00e4sserungsschutzbestimmungen, <span class=\"f ps24\"> </span></span></div><div class=\"ps27717 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wandlungszeitraum, Wandlungsrechte und -pflichten, Wandlungsverh\u00e4ltnis sowie Wandlungspreis. Die <span class=\"f ps24\"> </span></span></div><div class=\"ps27718 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wandelschuldverschreibungen k\u00f6nnen auch \u2013 unter Begrenzung auf den entsprechenden Euro-Gegenwert \u2013 in der W\u00e4hrung <span class=\"f ps24\"> </span></span></div><div class=\"ps27719 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Vereinigten Staaten von Amerika sowie in der W\u00e4hrung jedes anderen OECD-Mitgliedstaates begeben werden.<span class=\"f ps24\"> </span></span></div><div class=\"ps2437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Erm\u00e4chtigung ersetzt die in der Hauptversammlung vom 20. Oktober 2020 beschlossene Erm\u00e4chtigung gem\u00e4\u00df \u00a7 174 <span class=\"f ps24\"> </span></span></div><div class=\"ps2438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abs\u00a02 AktG zur Ausgabe von Wandelschuldverschreibungen, die mit 26. M\u00e4rz 2025 widerrufen wurde. Weder auf Basis der <span class=\"f ps24\"> </span></span></div><div class=\"ps2439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">widerrufenen Erm\u00e4chtigung vom Oktober 2020 noch aufgrund der nunmehr aufrechten Erm\u00e4chtigung vom M\u00e4rz 2025 wurden <span class=\"f ps24\"> </span></span></div><div class=\"ps19843 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wandelschuldverschreibungen ausge<span class=\"f ps24\"> </span></span><span class=\"f charStyle-26fbf26f ps2443\"><span style=\"background-color:inherit\">geben.</span><span class=\"f ps24\"> </span></span></div><div class=\"ps2441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(8) Es bestehen folgende bedeutende Vereinbarungen, an denen die Gesellschaft beteiligt ist und die bei einem Kontrollwechsel <span class=\"f ps24\"> </span></span></div><div class=\"ps2442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in der Gesellschaft infolge eines \u00dcbernahmeangebots wirksam werden, sich \u00e4ndern oder enden:<span class=\"f ps24\"> </span></span></div><div class=\"ps27626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die RBI AG ist Versicherungsnehmer einer marktkonformen D&amp;O-Versicherung. Im Fall einer Verschmelzung mit einem <span class=\"f ps24\"> </span></span></div><div class=\"ps2445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">anderen Rechtstr\u00e4ger endet der Versicherungsvertrag automatisch zum Ablauf jener Versicherungsperiode, in der <span class=\"f ps24\"> </span></span></div><div class=\"ps2446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">die Verschmelzung wirksam wird. In diesem Fall besteht Versicherungsschutz nur f\u00fcr Schadenersatzanspr\u00fcche aus <span class=\"f ps24\"> </span></span></div><div class=\"ps2447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">vor der Verschmelzung begangenen Pflichtverletzungen, die dem Versicherer vor der Beendigung der D&amp;O-<span class=\"f ps24\"> </span></span></div><div class=\"ps2448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Versicherung der RBI AG gemeldet werden.<span class=\"f ps24\"> </span></span></div><div class=\"ps4283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Die RBI AG ist Mitglied des Fachverbands der Raiffeisenbanken. Bei einem Kontrollwechsel in der RBI AG, in dessen <span class=\"f ps24\"> </span></span></div><div class=\"ps4285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Rahmen Gesellschafter von au\u00dferhalb der Raiffeisen Bankengruppe \u00d6sterreich die Kontrolle erlangen, k\u00f6nnen die <span class=\"f ps24\"> </span></span></div><div class=\"ps33270 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Mitgliedschaften im Fachverband der Raiffeisenbanken, im Raiffeisen-IPS gem\u00e4\u00df Art 113 Abs 7 CRR, bei der <span class=\"f ps24\"> </span></span></div><div class=\"ps33271 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6sterreichischen Raiffeisen Sicherungseinrichtung eGen und in der Raiffeisen-Kundengarantiegemeinschaft <span class=\"f ps24\"> </span></span></div><div class=\"ps33272 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">\u00d6sterreich enden. Die RBI AG \u00fcbt weiters die Zentralinstitutsfunktion der Raiffeisen Bankengruppe auf Bundesebene <span class=\"f ps24\"> </span></span></div><div class=\"ps33273 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">aus. Bei einem Kontrollwechsel in der RBI AG k\u00f6nnen Vertr\u00e4ge, die damit zusammenh\u00e4ngen (Zentralinstitut im <span class=\"f ps24\"> </span></span></div><div class=\"ps33274 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Liquidit\u00e4tsverbund nach \u00a7 27a BWG), enden bzw. sich \u00e4ndern. <span class=\"f ps24\"> </span></span></div><div class=\"ps33275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-97499bfe ps2252\"><span style=\"background-color:inherit\">\u00b7</span><span class=\"f ps24\"> </span></span><span class=\"f charStyle-26fbf26f ps2253\"><span style=\"background-color:inherit\">Refinanzierungsvertr\u00e4ge der Gesellschaft und Vertr\u00e4ge \u00fcber Finanzierungen Dritter an Tochtergesellschaften, die </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33276 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps2253\"><span style=\"background-color:inherit\">von der Gesellschaft garantiert werden, sehen teilweise im Fall eines Kontrollwechsels vor, dass die Kreditgeber eine </span><span class=\"f ps24\"> </span></span></div><div class=\"ps33277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps2253\"><span style=\"background-color:inherit\">vorzeitige R\u00fcckzahlung der Finanzierungen verlangen k\u00f6nnen.</span><span class=\"f ps24\"> </span></span></div><div class=\"ps33278 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(9) Es bestehen keine Entsch\u00e4digungsvereinbarungen zwischen der Gesellschaft und ihren Vorstands- und </span></div><div class=\"ps33279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufsichtsratsmitgliedern oder Arbeitnehmer:innen f\u00fcr den Fall eines \u00f6ffentlichen \u00dcbernahmeangebots.</span></div><div class=\"ps28 ss0\" style=\"font-size:32pt\"><span class=\"f charStyle-b36b224a ps17\">\u00b7</span><span class=\"f charStyle-736311c3 ps2238\"> </span><span class=\"f charStyle-5ce759ba ps26\">Nichtfinanzielle Erkl\u00e4rung <span id=\"i6f8b91c6c13d4e299647df5d106d0de9\"></span></span></div><div class=\"ps2489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist gem\u00e4\u00df \u00a7 243b Abs. 7 UGB von der Pflicht zur Erstellung einer nichtfinanziellen Erkl\u00e4rung befreit. Die </span></div><div class=\"ps18323 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachhaltigkeitsbelange der RBI AG sind im Zuge der konsolidierten nichtfinanziellen Erkl\u00e4rung im Konzernlagebericht der RBI </span></div><div class=\"ps33280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dargestellt. Der Konzernlagebericht mit ausf\u00fchrlichen Informationen zu den Entwicklungen im Nachhaltigkeitsmanagement ist </span></div><div class=\"ps33281 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Firmenbuch Wien sowie auf der Website unter www.rbinternational.com abrufbar.</span></div><span class=\"f charStyle-5ce759ba ps27\">Immaterielle Ressourcen<span id=\"i51cb6367b0094cbd8bc8be43b6f4262e\"></span></span><div class=\"ps33283 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In einem sehr dynamischen Gesch\u00e4ftsumfeld gewinnen immaterielle Ressourcen zunehmend an Bedeutung und stellen einen </span></div><div class=\"ps33284 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Treiber f\u00fcr nachhaltiges Wirtschaften bzw. zentrale Werttreiber f\u00fcr Unternehmen dar. Diese immateriellen </span></div><div class=\"ps33285 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Werttreiber k\u00f6nnen in der \u00fcblichen Finanzberichterstattung nur unzureichend dargestellt werden. Dabei gibt es eine Vielzahl an </span></div><div class=\"ps33286 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">immateriellen Ressourcen wie z. B. Produkt- und Technologieinnovationen, Marken, Kundenzufriedenheit, </span></div><div class=\"ps18347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitarbeiterqualifikation und -motivation.</span></div><div class=\"ps33287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG sieht ihre wesentlichen immateriellen Ressourcen vor allem im Personal- und Innovationsbereich.</span></div><div class=\"ps33288 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr weitere Informationen zu den immateriellen Ressourcen der RBI AG wird auf folgende Kapitel im Konzernlagebericht </span></div><div class=\"ps33289 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verwiesen:</span></div><div class=\"ps33290 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Forschung und Entwicklung<span class=\"f ps24\"> </span></span></div><div class=\"ps33291 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Human Resources</span></div><div class=\"ps33292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Forschung und Entwicklung<span id=\"i0e08f90790b04e8886209f3305fdd0fb\"></span></span></div><div class=\"ps33293 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Digitalisierung<span id=\"ia160155bd74f4cabb330aac8416834da\"></span></span></div><div class=\"ps30343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auch im Jahr 2025 lag der Fokus der Digitalisierungsstrategie der RBI weiterhin auf der Verbesserung des Kundenerlebnisses </span></div><div class=\"ps33294 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie auf der F\u00f6rderung des nachhaltigen Wachstums \u00fcber digitale Kan\u00e4le. Mobile Banking bleibt ein wichtiger Aspekt dieser </span></div><div class=\"ps33295 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strategie, da 70 Prozent der Kund:innen diesen Service aktiv nutzen. </span></div><div class=\"ps30346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kundenakquise \u00fcber digitale Kan\u00e4le gewinnt weiter an Bedeutung. 63 Prozent der neuen Retail-Kund:innen wurden 2025 </span></div><div class=\"ps33296 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">digital akquiriert, im Jahr 2024 lag der Anteil noch bei 48 Prozent.</span></div><div class=\"ps5171 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI hat ihr digitales Angebot erweitert; 70 Prozent der Privatkredite werden nun \u00fcber digitale Plattformen vergeben und 38 </span></div><div class=\"ps33297 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent werden vollst\u00e4ndig digital abgewickelt.</span></div><div class=\"ps5173 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Innovative L\u00f6sungen wie die vollst\u00e4ndig mobile Kontener\u00f6ffnung f\u00fcr KMU und die Einbindung von dialogorientierten KI-</span></div><div class=\"ps5174 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Assistenten (Conversational AI) in Apps zielen darauf ab, die RBI als f\u00fchrenden Anbieter im Bereich Digital Banking zu etablieren. </span></div><div class=\"ps5175 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese L\u00f6sungen haben den \u00fcber die gesamte Dauer der Kundenbeziehung erzielten Beitrag der digitalen Umsatzerl\u00f6se zu den </span></div><div class=\"ps5176 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umsatzerl\u00f6sen des Retail-Segments von rund 44 Prozent im Jahr 2024 auf \u00fcber 56 Prozent im Jahr 2025 erh\u00f6ht.</span></div><div class=\"ps33298 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Bereich Corporate and Investment Banking z\u00e4hlte die digitale Plattform myRaiffeisen Ende 2025 12.000 registrierte </span></div><div class=\"ps33299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nutzer:innen. Digitalisierte Schl\u00fcsselprodukte (z. B. KYC, Konten, Kredite) f\u00fchrten zu einer Durchdringung digitaler Services von </span></div><div class=\"ps33300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">rund 45 Prozent.</span></div><div class=\"ps33301 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">K\u00fcnftig richtet sich der Fokus vor allem auf die Verbesserung des digitalen Onboardings, die Bereitstellung gruppenweiter </span></div><div class=\"ps33302 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Cash-Management-L\u00f6sungen und die Erweiterung des API-Angebots \u00fcber die traditionelle Zahlungsintegration hinaus. </span></div><div class=\"ps33303 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Innovationsbereiche<span id=\"ia50e09089a2e42f0937b492c4f56d0ca\"></span></span></div><div class=\"ps30381 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">I</span><span class=\"f charStyle-9eccfdcb ps2519\">m Einklang mit ihrem Innovationsanspruch bot die RBI 2025 ihren Mitarbeiter:innen gruppenweite Bildungsprogramme und -</span></div><div class=\"ps33304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">veranstaltungen an. Das zentrale Innovationsteam erkundete auch weiterhin neue Gesch\u00e4ftsmodelle mit einem besonderen </span></div><div class=\"ps33305 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schwerpunkt auf kleinen und mittleren Unternehmen. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auch im Jahr 2025 setzte die RBI die Einbindung K\u00fcnstlicher Intelligenz (KI) in die Gesch\u00e4ftsabl\u00e4ufe fort. Dazu bediente sie sich </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dreier S\u00e4ulen: Group AI Governance, Bewertung und Umsetzung von Anwendungsf\u00e4llen sowie Change Management und </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitarbeiter:innenentwicklung. Alle Mitarbeiter:innen haben Zugriff auf KI-gesteuerte Tools und werden von einem Netzwerk </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interner Change Agents, den KI-Pionieren, unterst\u00fctzt.</span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Blockchain-Technologie war weiterhin ein Schwerpunkt der Innovationsforschung der RBI im Jahr 2025. Es wurde eine </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">interne Strategie f\u00fcr Krypto- und digitale Verm\u00f6genswerte entwickelt und darauf basierend Pl\u00e4ne f\u00fcr die Entwicklung neuer </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsmodelle und entsprechender Infrastrukturen abgeleitet. </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im September 2025 gr\u00fcndete die RBI gemeinsam mit acht anderen Banken ein europaweites Stablecoin-Konsortium. Das </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsortium plant eine mit der Verordnung \u00fcber M\u00e4rkte f\u00fcr Kryptowerte (MiCAR) konforme, auf Euro lautende Stablecoin auf </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Markt zu bringen. Ziel ist, diese als vertrauensw\u00fcrdigen europ\u00e4ischen Zahlungsstandard im digitalen \u00d6kosystem zu </span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">etablieren. Zu diesem Zweck hat das Stablecoin-Konsortium ein neues Unternehmen in den Niederlanden gegr\u00fcndet, das im </span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zweiten Halbjahr 2026 mit der Ausgabe der Stablecoins beginnen soll. Einzelne Banken werden in der Lage sein, auf Stablecoins </span></div><div class=\"ps2416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">basierende Mehrwertdienste anzubieten und Produkte zu entwickeln, wie beispielsweise Stablecoin-Wallets. </span></div><div class=\"ps33306 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">IT<span id=\"i593565b11f584c21b1c6e8809a27c10f\"></span></span></div><div class=\"ps1316 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die vom Vorstand beschlossenen Digitalisierungsma\u00dfnahmen in den Bereichen Cloud-Migration, Technologief\u00fchrerschaft und </span></div><div class=\"ps1320 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datenzentrierung im Dienste einer Optimierung des Kundenerlebnisses wurden auch 2025 weiter vorangetrieben. Laut AWS-</span></div><div class=\"ps1323 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Benchmarking innerhalb der Peer-Gruppe der Banken z\u00e4hlt die RBI sowohl in Europa als auch weltweit zu den f\u00fchrenden </span></div><div class=\"ps1324 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Banken im Bereich Cloud-Technologie. Mehr als 55 Prozent aller IT-Anwendungen laufen in der Cloud, verglichen mit 13 Prozent </span></div><div class=\"ps1325 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Jahr 2021. Im Datenbereich errichtete die RBI konzernweit leistungsstarke Plattformen, um mit Hilfe umfangreicher </span></div><div class=\"ps1326 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Datenanalysen einen Mehrwert f\u00fcr Kund:innen zu schaffen, die interne Steuerung zu verbessern und regulatorische </span></div><div class=\"ps1327 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anforderungen zu erf\u00fcllen. </span><span class=\"f charStyle-26fbf26f ps2543\"><span style=\"background-color:inherit\">Um die Kosten zu optimieren und die Flexibilit\u00e4t zu steigern, werden alle Datenplattformen in Cloud-</span></span></div><div class=\"ps1328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Umgebungen betrieben. So ist die RBI zudem in der Lage, den sich wandelnden Anforderungen durch KI effektiv gerecht zu </span></span></div><div class=\"ps1331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">werden. Daneben hat die RBI eine umfassende interne Transformation eingeleitet, um eine verantwortungsvolle Einf\u00fchrung von </span></span></div><div class=\"ps1332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">KI innerhalb der gesamten Organisation zu gew\u00e4hrleisten. In Anerkennung dieser Bem\u00fchungen wurde die RBI bei den Finance </span></span></div><div class=\"ps1333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Awards 2025 zum regionalen Gewinner f\u00fcr Westeuropa in der Kategorie beste Unternehmens-/Institutionsbank f\u00fcr KI im </span></span></div><div class=\"ps1334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-26fbf26f ps17\"><span style=\"background-color:inherit\">Finanzwesen gek\u00fcrt.</span></span><span class=\"f charStyle-9eccfdcb ps33307\">.</span></div><div class=\"ps33308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Human Resources<span id=\"i8e8d3de48b5b40a3a914589376b4a8ea\"></span></span></div><div class=\"ps33309 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Bereich Group People, Culture &amp; Organization (PC&amp;O) vereint Human Resources (HR) und Organizational Development und <span class=\"f ps24\"> </span></span></div><div class=\"ps33310 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Change Management. Diese Kombination erm\u00f6glicht es, F\u00fchrung der Mitarbeiter:innen, Kultur und Organisationsentwicklung <span class=\"f ps24\"> </span></span></div><div class=\"ps33311 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ganzheitlich voranzutreiben. Insofern leistet der Bereich PC&amp;O einen wesentlichen Beitrag zur Umsetzung der RBI-Strategie und <span class=\"f ps24\"> </span></span></div><div class=\"ps33312 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensziele. Ein Schwerpunkt liegt dabei auf der effizienten und reibungslosen Abwicklung von Prozessen im <span class=\"f ps24\"> </span></span></div><div class=\"ps33313 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Personalwesen wie etwa Personaldatenadministration, Vertragserstellung oder Rekrutierung. Dar\u00fcber hinaus zeichnet der <span class=\"f ps24\"> </span></span></div><div class=\"ps33314 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereich verantwortlich f\u00fcr Personalentwicklung, Karrieremanagement, Leadershipentwicklung sowie Aus- und Weiterbildung <span class=\"f ps24\"> </span></span></div><div class=\"ps33315 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Mitarbeiter:innen. Hinsichtlich der Organisationsentwicklung unterst\u00fctzt PC&amp;O s\u00e4mtliche Restrukturierungen und <span class=\"f ps24\"> </span></span></div><div class=\"ps33316 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Transformationen, nicht zuletzt durch Change Management und Organisationsdesign.<span class=\"f ps24\"> </span></span></div><div class=\"ps33317 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG wurde 2025 mehrfach als attraktive Arbeitgeberin ausgezeichnet (z. B. Kununu Top Company 2025, Leading <span class=\"f ps24\"> </span></span></div><div class=\"ps33318 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Employers Top 1 Prozent \u00d6sterreich 2025, Trend &amp; Statista: Best Place to work 2025). Um diese Positionierung auch in Zukunft zu <span class=\"f ps24\"> </span></span></div><div class=\"ps33319 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">behaupten, gilt es, die Erwartungen und Anspr\u00fcche der Mitarbeiter:innen und der potenziellen Kandidat:innen zu kennen und <span class=\"f ps24\"> </span></span></div><div class=\"ps33320 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sich als Unternehmen darauf einzustellen. Aktuelle Arbeitsmarkttrends zeigen, dass Mitarbeiter:innen ein hohes <span class=\"f ps24\"> </span></span></div><div class=\"ps33321 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheitsbed\u00fcrfnis haben und gleichzeitig gro\u00dfen Wert auf Flexibilit\u00e4t, Work-Life-Balance und mentales Wohlbefinden legen. <span class=\"f ps24\"> </span></span></div><div class=\"ps33322 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Faktoren wie Inflation besch\u00e4ftigen die Menschen und damit auch die Mitarbeiter:innen stark und resultieren in einem hohen <span class=\"f ps24\"> </span></span></div><div class=\"ps33323 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sicherheitsbed\u00fcrfnis. <span class=\"f ps24\"> </span></span></div><div class=\"ps33324 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Neuerungen wie k\u00fcnstlicher Intelligenz (KI) wird einerseits mit gro\u00dfer Neugierde, andererseits auch mit Vorsicht begegnet. Die <span class=\"f ps24\"> </span></span></div><div class=\"ps33325 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">raschen Entwicklungen im Bereich der generativen KI bieten viele Chancen f\u00fcr die RBI. KI hat das Potenzial, Arbeitsweisen zu <span class=\"f ps24\"> </span></span></div><div class=\"ps33326 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ver\u00e4ndern und die Effizienz zu erh\u00f6hen. Die Mitarbeiter:innen der RBI sind deshalb aufgefordert, sich mit der Technologie und <span class=\"f ps24\"> </span></span></div><div class=\"ps33327 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00f6glichen Anwendungsf\u00e4llen zu besch\u00e4ftigen. Neben der M\u00f6glichkeit, einen RBI-spezifischen ChatGPT zu nutzen, informiert <span class=\"f ps24\"> </span></span></div><div class=\"ps33041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine Plattform zu KI im Intranet \u00fcber aktuelle Entwicklungen und Lernangebote. Zudem wurden neue, auch KI-basierte, Systeme <span class=\"f ps24\"> </span></span></div><div class=\"ps33042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingef\u00fchrt, um HR-Prozesse einfacher, effizienter und effektiver zu machen. Dies stellt einen weiteren Schritt in der <span class=\"f ps24\"> </span></span></div><div class=\"ps33043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Technologie- und Automatisierungsstrategie der RBI dar. <span class=\"f ps24\"> </span></span></div><div class=\"ps33044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Alleinstellungsmerkmal als Arbeitgeber (Employer Value Proposition, EVP) ist Kern der Marke als Arbeitgeber und umfasst <span class=\"f ps24\"> </span></span></div><div class=\"ps33045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Angebote, Vorteile, Anreize und das Arbeitsumfeld, das ein Unternehmen seinen Mitarbeiter:innen bietet. In ihrem Glocal EVP <span class=\"f ps24\"> </span></span></div><div class=\"ps33046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ansatz kombiniert die RBI den EVP der gesamten Gruppe mit den lokalen EVPs der Tochterbanken. Dadurch entsteht eine <span class=\"f ps24\"> </span></span></div><div class=\"ps33328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internationale Arbeitgebermarke, die Konsistenz sicherstellt, aber auch lokale Besonderheiten ber\u00fccksichtigt. <span class=\"f ps24\"> </span></span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine attraktive und leistungsstarke Arbeitskultur zu f\u00f6rdern, ist entscheidend f\u00fcr den unternehmerischen Erfolg. Die Befragung <span class=\"f ps24\"> </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Mitarbeiter:innen bietet einen repr\u00e4sentativen \u00dcberblick \u00fcber die Erfahrungen im gesamten Unternehmen und dient als <span class=\"f ps24\"> </span></span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Input f\u00fcr Gespr\u00e4che und gezielte Initiativen zur weiteren Steigerung des Engagements der Mitarbeiter:innen. Nach der <span class=\"f ps24\"> </span></span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Implementierung eines neuen gruppenweiten Umfragetools, fand im September erneut eine Umfrage unter den <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitarbeiter:innen in der Konzernzentrale statt. <span class=\"f ps24\"> </span></span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vor dem Hintergrund der stark international gepr\u00e4gten Struktur stieg der Wunsch der Mitarbeiter:innen, auch in anderen <span class=\"f ps24\"> </span></span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">L\u00e4ndern arbeiten zu d\u00fcrfen. Seit Juli 2023 erm\u00f6glicht die RBI AG als erste Bank in \u00d6sterreich ihren Mitarbeiter:innen, f\u00fcr eine <span class=\"f ps24\"> </span></span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gewisse Zeit von anderen Orten im EU-Ausland aus zu arbeiten. Das Angebot wird \u00fcber alle Hierarchieebenen gut <span class=\"f ps24\"> </span></span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angenommen.<span class=\"f ps24\"> </span></span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Da Lernen und Weiterentwicklung wesentliche Faktoren f\u00fcr die Karrierezufriedenheit sind, soll Lernen als Selbstverst\u00e4ndlichkeit <span class=\"f ps24\"> </span></span></div><div class=\"ps770 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Arbeitsalltag etabliert werden, um mit der technologischen Entwicklung Schritt zu halten. Der Fokus liegt dabei auf: <span class=\"f ps24\"> </span></span></div><div class=\"ps25667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">F\u00f6rderung der Lernkultur und Interesse am Lernen schaffen<span class=\"f ps24\"> </span></span></div><div class=\"ps33330 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Aufbau der Lernkompetenz<span class=\"f ps24\"> </span></span></div><div class=\"ps12413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Automatisierung und Vereinfachung durch Anwendung neuer Technologien<span class=\"f ps24\"> </span></span></div><div class=\"ps33331 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Entwicklung eines Portfolios von relevanten Lerninhalten <span class=\"f ps24\"> </span></span></div><div class=\"ps29613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Einheitliche Standards und Qualit\u00e4tskriterien f\u00fcr Lernformate und -inhalte (Didaktik, Lernpsychologie, Technologie)<span class=\"f ps24\"> </span></span></div><div class=\"ps33332 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Positive Arbeitsbeziehungen, die Arbeits- und Karrierezufriedenheit und die Leistungsf\u00e4higkeit beeinflussen den Verbleib im <span class=\"f ps24\"> </span></span></div><div class=\"ps28105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmen. Aus diesem Grund werden Teams in einer Workshop-Reihe in ihrer Entwicklung unterst\u00fctzt. Dabei wird <span class=\"f ps24\"> </span></span></div><div class=\"ps3667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besonderes Augenmerk auf gegenseitiges Vertrauen, offene Kommunikation und Methoden der effektiven Zusammenarbeit <span class=\"f ps24\"> </span></span></div><div class=\"ps29617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gelegt. F\u00fchrungskr\u00e4fte werden unterst\u00fctzt, damit diese ihre Rolle bestm\u00f6glich aus\u00fcben k\u00f6nnen, ihre Teams durch Zeiten der <span class=\"f ps24\"> </span></span></div><div class=\"ps29618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unsicherheit und des Wandels f\u00fchren und dabei auf die individuellen Bed\u00fcrfnisse und Erwartungen R\u00fccksicht nehmen k\u00f6nnen. <span class=\"f ps24\"> </span></span></div><div class=\"ps29619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schwerpunkte der Weiterbildung lagen auf der St\u00e4rkung der individuellen Resilienz, der Entwicklung eines gemeinsamen <span class=\"f ps24\"> </span></span></div><div class=\"ps29620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verst\u00e4ndnisses von Erwartungen an F\u00fchrungskr\u00e4fte, dem Peer Coaching sowie Kommunikationstechniken. <span class=\"f ps24\"> </span></span></div><div class=\"ps33333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um Transformationen, von kleineren Re-Organisationen bis hin zu gro\u00dfen Transformationen bestm\u00f6glich zu unterst\u00fctzen, gibt <span class=\"f ps24\"> </span></span></div><div class=\"ps33334 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">es ein internes Change- Management- und Change- Kommunikations-Team. Seine Aufgabe ist es, F\u00fchrungskr\u00e4fte und <span class=\"f ps24\"> </span></span></div><div class=\"ps33335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitarbeiter:innen auf die Transformation vorzubereiten, sie zu begleiten, f\u00fcr die Ver\u00e4nderung zu gewinnen sowie Individuen und <span class=\"f ps24\"> </span></span></div><div class=\"ps2574 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Teams in der Ver\u00e4nderung zu unterst\u00fctzen. <span class=\"f ps24\"> </span></span></div><div class=\"ps2575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">KI (K\u00fcnstliche Intelligenz) hat das Potenzial, Arbeitsweisen zu ver\u00e4ndern und Effizienzen zu heben. Die Mitarbeiter:innen werden <span class=\"f ps24\"> </span></span></div><div class=\"ps2576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ermuntert, sich mit der Technologie und m\u00f6glichen Anwendungsf\u00e4llen zu besch\u00e4ftigen. Unterst\u00fctzend werden Lernformate <span class=\"f ps24\"> </span></span></div><div class=\"ps2577 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(inkl. eLearnings) zum Verst\u00e4ndnis von KI, Machine Learning, den M\u00f6glichkeiten, aber auch den Grenzen und m\u00f6glichen <span class=\"f ps24\"> </span></span></div><div class=\"ps2578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schwierigkeiten angeboten. Mit dem AI Pioneer Program gibt es in der Konzernzentrale rund 200, gruppenweit rund 1.700 <span class=\"f ps24\"> </span></span></div><div class=\"ps2579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mitarbeiter:innen, die sich Wissen zu KI aneignen und dieses an ihre Kolleg:innen weitergeben, um die Effizienz in ihren Teams zu <span class=\"f ps24\"> </span></span></div><div class=\"ps2580 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steigern.<span class=\"f ps24\"> </span></span></div><span class=\"f charStyle-5ce759ba ps27\">Corporate Governance<span id=\"i412910f1999d464785700a6d85770c03\"></span></span><div class=\"ps33338 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weitere Informationen dazu befinden sich im Gesch\u00e4ftsbericht im Kapitel Corporate-Governance-Bericht sowie auf der </span></div><div class=\"ps33339 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Website der RBI (www.rbinternational.com \u2192 Investoren \u2192 Corporate Governance &amp; Verg\u00fctung).</span></div><span class=\"f charStyle-5ce759ba ps27\">Risikobericht<span id=\"i2e84e40c97b741bfac6e1d5f03e4931f\"></span></span><div class=\"ps2489 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aktives Risikomanagement stellt f\u00fcr die RBI AG eine Kernkompetenz dar. Um Risiken effektiv zu erkennen, einzustufen und zu </span></div><div class=\"ps18323 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">steuern, entwickelt die Bank ihr umfassendes Risikomanagement permanent weiter. Die Steuerung der ESG-Risiken (Umwelt, </span></div><div class=\"ps33280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Soziales, Unternehmensf\u00fchrung) ist bereichs\u00fcbergreifend implementiert und umfasst alle Risikobereiche. Das </span></div><div class=\"ps33281 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement ist ein integraler Bestandteil der Gesamtbanksteuerung und ber\u00fccksichtigt neben den gesetzlichen und </span></div><div class=\"ps33340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufsichtsrechtlichen Rahmenbedingungen insbesondere die Art, den Umfang und die Komplexit\u00e4t der Gesch\u00e4fte sowie die <span class=\"f ps24\"> </span></span></div><div class=\"ps33341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">daraus resultierenden Risiken. Der Risikobericht erl\u00e4utert die Grunds\u00e4tze und Organisation des Risikomanagements und stellt </span></div><div class=\"ps33342 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die aktuelle Risikoposition f\u00fcr alle materiellen Risiken dar.</span></div><div class=\"ps33343 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Grunds\u00e4tze des Risikomanagements<span id=\"i14dd5f4a4b6f4b688d42285fda127afb\"></span></span></div><div class=\"ps33344 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG verf\u00fcgt \u00fcber ein System von Risikoprinzipien sowie Risikomessungs- und \u00dcberwachungsverfahren mit dem Ziel, die </span></div><div class=\"ps33345 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken der Bank zu kontrollieren und zu steuern. Die Risikopolitik und die Grunds\u00e4tze des Risikomanagements werden vom </span></div><div class=\"ps33346 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorstand der RBI AG festgelegt, In den Aufsichtsratsgremien werden diese regelm\u00e4\u00dfig berichtet und diskutiert. Zu den </span></div><div class=\"ps33347 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Risikogrunds\u00e4tzen der Bank geh\u00f6ren dabei unter anderem folgende Prinzipien: </span></div><div class=\"ps25007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risikobewusstsein</span></div><div class=\"ps25008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Es wird eine Risikokultur gef\u00f6rdert, die bewusst mit den im Bankgesch\u00e4ft inh\u00e4renten Risiken umgeht, insbesondere </span></div><div class=\"ps33348 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">durch die transparente Darstellung von Informationen und die Verwendung geeigneter Methoden.</span></div><div class=\"ps27287 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risikobereitschaft</span></div><div class=\"ps27288 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Das Eingehen von Risiken erfolgt vorsichtig und bedingt eine vordefinierte Mindestrendite auf das Risiko. </span></div><div class=\"ps28753 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Risikomanagement<span class=\"f ps24\"> </span></span></div><div class=\"ps28754 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Es werden State-of-the-Art Techniken f\u00fcr Risikomanagement und Risikocontrolling eingesetzt, die der Materialit\u00e4t </span></div><div class=\"ps28755 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">der Risiken entsprechen, sowie eine effektive Aggregation von Risikodaten und Risikoberichtstechniken.</span></div><div class=\"ps33349 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Regulatorische Vorgaben</span></div><div class=\"ps33350 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">S\u00e4mtliche Vorschriften und Anforderungen seitens der Aufsicht an das Risikomanagement werden ber\u00fccksichtigt </span></div><div class=\"ps33351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">und erf\u00fcllt. </span></div><div class=\"ps33352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Integriertes Risikomanagement </span></div><div class=\"ps33353 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Kredit- und L\u00e4nderrisiken, Markt- und Liquidit\u00e4tsrisiken, Beteiligungsrisiken sowie operationelle Risiken werden als </span></div><div class=\"ps33354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Hauptrisiken unternehmensweit gesteuert. Dazu werden diese Risiken gemessen, limitiert, aggregiert und der </span></div><div class=\"ps33355 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">verf\u00fcgbaren Risikodeckungsmasse gegen\u00fcbergestellt.</span></div><div class=\"ps33356 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Einheitliche Methoden </span></div><div class=\"ps33357 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Um einen konsistenten und koh\u00e4renten Risikomanagementansatz zu gew\u00e4hrleisten, werden einheitliche Methoden </span></div><div class=\"ps33358 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zur Risikobeurteilung und Limitierung eingesetzt. Dieses Vorgehen bildet die Grundlage f\u00fcr eine einheitliche </span></div><div class=\"ps33359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Konzernsteuerung in allen L\u00e4ndern und Gesch\u00e4ftssegmenten der RBI Gruppe.</span></div><div class=\"ps33360 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Kontinuierliche Planung </span></div><div class=\"ps33361 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Die Risikostrategien und das Risikokapital werden w\u00e4hrend des j\u00e4hrlichen Budgetierungs- und Planungsprozesses </span></div><div class=\"ps33362 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">\u00fcberarbeitet und bewilligt. Wesentliches Augenmerk wird dabei auch auf die Vermeidung von Risikokonzentrationen </span></div><div class=\"ps33363 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">gelegt.</span></div><div class=\"ps33364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Unabh\u00e4ngige Kontrolle</span></div><div class=\"ps33365 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Es besteht eine klare personelle und funktionale Trennung zwischen den Gesch\u00e4fts- und allen Risikomanagement- </span></div><div class=\"ps33366 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">und Risikocontrolling-Aktivit\u00e4ten.</span></div><div class=\"ps33367 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Vor- und Nachkalkulation</span></div><div class=\"ps33368 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Risiken werden konsistent im Rahmen des Produktvertriebs und in der risikoadjustierten Performance-Messung </span></div><div class=\"ps33369 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ber\u00fccksichtigt. Damit wird sichergestellt, dass Gesch\u00e4fte grunds\u00e4tzlich nur unter Ber\u00fccksichtigung des Risiko-</span></div><div class=\"ps33370 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Ertrags-Verh\u00e4ltnisses abgeschlossen und Anreize zum Eingehen hoher Risiken vermieden werden.</span></div><div class=\"ps33371 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Neue Gesch\u00e4ftsfelder</span></div><div class=\"ps33372 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Neue Produkte und Markteintritte werden im Vorfeld einer spezifischen Risikoanalyse und Risikobewertung </span></div><div class=\"ps33373 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">unterzogen und in den daf\u00fcr vorgesehenen Gremien beschlossen. </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Organisation des Risikomanagements<span id=\"i48263f2f8f7842fb91849182eb2c3a6b\"></span></span></div><div class=\"ps1433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Vorstand der RBI AG stellt die angemessene Organisation und die Weiterentwicklung des Risikomanagements sicher. Er </span></div><div class=\"ps2275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entscheidet \u00fcber die angewendeten Methoden zur Identifikation, Messung und \u00dcberwachung der Risiken und trifft </span></div><div class=\"ps2276 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerungsma\u00dfnahmen anhand der erstellten Auswertungen und Analysen. Bei der Erf\u00fcllung dieser Aufgaben wird der </span></div><div class=\"ps2277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorstand durch unabh\u00e4ngige Risikomanagement-Einheiten und spezifische Komitees unterst\u00fctzt.</span></div><div class=\"ps33375 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Grunds\u00e4tzlich erfolgt das Risikomanagement der RBI AG auf mehreren Stufen. Die RBI AG entwickelt und implementiert die <span class=\"f ps24\"> </span></span></div><div class=\"ps33376 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entsprechenden Konzepte als \u00fcbergeordnetes Kreditinstitut und in Zusammenarbeit mit den einzelnen Tochtereinheiten des </span></div><div class=\"ps33377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns. Die zentralen Risikomanagement-Einheiten sind einerseits verantwortlich f\u00fcr die angemessene und geeignete <span class=\"f ps24\"> </span></span></div><div class=\"ps33378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Umsetzung der Risikomanagement-Prozesse im gesamten Unternehmen, andererseits implementieren sie die Risikopolitik in </span></div><div class=\"ps33379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den jeweiligen Risikokategorien bzw. steuern das Gesch\u00e4ft der RBI AG innerhalb der genehmigten Risikobudgets. Die </span></div><div class=\"ps25892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Implementierung und Steuerung der ESG-Risiken (Umwelt, Soziales, Unternehmensf\u00fchrung) ist bereichs\u00fcbergreifend </span></div><div class=\"ps25893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">implementiert und umfasst alle Risikobereiche.</span></div><div class=\"ps25894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die im Bankwesengesetz geforderte Funktion des zentralen und unabh\u00e4ngigen Risikocontrollings wird durch den <span class=\"f ps24\"> </span></span></div><div class=\"ps33380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">organisatorischen Bereich Group Risk Controlling ausge\u00fcbt. Dessen Aufgaben umfassen die Erstellung des unternehmensweiten </span></div><div class=\"ps33381 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Risikokategorie \u00fcbergreifenden Regelwerks zur Risikosteuerung sowie die unabh\u00e4ngige und neutrale Berichterstattung </span></div><div class=\"ps33382 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber das Risikoprofil an den Risikoausschuss des Aufsichtsrats, den Gesamtvorstand und die einzelnen </span></div><div class=\"ps33383 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbereichsverantwortlichen. </span></div><div class=\"ps33384 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Risikokomitees<span id=\"id9b4731c695940d3a2ff941cb33b7bce\"></span></span></div><div class=\"ps33385 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Group Risk Committee</span><span class=\"f charStyle-9eccfdcb ps26017\"> ist das \u00fcbergeordnete Entscheidungsgremium f\u00fcr alle risikorelevanten Themenbereiche des </span></div><div class=\"ps33386 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerns. Es beschlie\u00dft die Risikomanagement-Methoden und die Steuerungskonzepte, die f\u00fcr den Gesamtkonzern und </span></div><div class=\"ps33387 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentliche Teilbereiche eingesetzt werden, und ist f\u00fcr die laufende Weiterentwicklung und Implementierung der Methoden </span></div><div class=\"ps33388 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Parameter zur Risikomessung und die Verfeinerung der Steuerungsinstrumente verantwortlich. Dazu z\u00e4hlen auch der <span class=\"f ps24\"> </span></span></div><div class=\"ps33389 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoappetit, unterschiedliche Risikobudgets und -limits auf Gesamtbankebene sowie die \u00dcberwachung der aktuellen </span></div><div class=\"ps33390 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikosituation unter Ber\u00fccksichtigung einer angemessenen Kapitalausstattung und der entsprechenden Risikolimits. Es </span></div><div class=\"ps33391 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bewilligt die verschiedenen Risikomanagement- und -steuerungsaktivit\u00e4ten (z. B. die Allokation von Risikobudgets) und </span></div><div class=\"ps33392 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterst\u00fctzt den Vorstand bei diesen T\u00e4tigkeiten. Der Zust\u00e4ndigkeitsbereich des Group Risk Committees umfasst auch </span></div><div class=\"ps33393 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abwicklungsbezogene Themen und Entscheidungen, die die jeweiligen Richtlinien und Anforderungen des Single Resolution </span></div><div class=\"ps33394 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Board (SRB) widerspiegeln.</span></div><div class=\"ps33396 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Group Asset/Liability Committee</span><span class=\"f charStyle-9eccfdcb ps33395\"> beurteilt und steuert das Bilanzstruktur- und Liquidit\u00e4tsrisiko und legt die Methodik f\u00fcr </span></div><div class=\"ps33397 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">das interne Transferpreissystem fest. Es nimmt wesentliche Aufgaben betreffend die langfristige Refinanzierungsplanung </span></div><div class=\"ps33398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie die Festlegung von Absicherungsma\u00dfnahmen zu strukturellen Zins- und W\u00e4hrungsrisiken wahr. Das Group Capital <span class=\"f ps24\"> </span></span></div><div class=\"ps33399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management Committee und das Structural FX Committee sind Sub-Committees des Group Asset/Liability Committees und </span></div><div class=\"ps33400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">analysieren, kontrollieren und steuern die regulatorischen Kapitalquoten sowie das strukturelle W\u00e4hrungs- und Zinsrisiko der </span></div><div class=\"ps33401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalposition.</span></div><div class=\"ps33403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Market Risk Committee</span><span class=\"f charStyle-9eccfdcb ps33402\"> steuert das Marktrisiko aus Handels- und Bankbuchgesch\u00e4ften und legt die entsprechenden </span></div><div class=\"ps33404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limits und Verfahren fest. In diese Steuerung flie\u00dfen insbesondere die Gesch\u00e4ftsergebnisse, die ermittelten Risiken und die </span></div><div class=\"ps33405 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gemessene Limitauslastung sowie die Ergebnisse aus Szenarienanalysen und Stresstests betreffend Marktrisiken ein.</span></div><div class=\"ps33407 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die </span><span class=\"f charStyle-283ba53a ps718\">Credit Committees</span><span class=\"f charStyle-9eccfdcb ps33406\"> setzen sich aus Vertreter:innen der Bereiche Markt und Marktfolge zusammen, wobei sich die </span></div><div class=\"ps33408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">personelle Besetzung je Kundengruppe f\u00fcr Firmenkunden, Finanzinstitute und den \u00f6ffentlichen Sektor unterscheidet. Sie </span></div><div class=\"ps33409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlie\u00dfen die konkreten Kreditvergabekriterien f\u00fcr einzelne Kundensegmente und L\u00e4nder und treffen im Rahmen des </span></div><div class=\"ps33410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditgenehmigungsprozesses und der rating- und volumenorientierten Kompetenzordnung alle sie betreffenden </span></div><div class=\"ps33411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditentscheidungen.</span></div><div class=\"ps33412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Problem Loan Committee</span><span class=\"f charStyle-9eccfdcb ps26046\"> ist das wesentliche Gremium im Prozess der Beurteilung und Entscheidungsfindung bei </span></div><div class=\"ps33413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Problemkund:innen. Es umfasst erstrangig Entscheidungstr\u00e4ger (Vorst\u00e4nde), Vorsitzender ist der Chief Risk Officer (CRO) der RBI </span></div><div class=\"ps33414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AG, weitere stimmberechtigte Mitglieder sind die f\u00fcr die Kundenbereiche verantwortlichen Vorstandsmitglieder, der Chief </span></div><div class=\"ps33415 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Financial Officer (CFO) sowie die relevanten Bereichs- und Abteilungsleiter:innen aus Risikomanagement und Special Exposures </span></div><div class=\"ps33416 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management.</span></div><div class=\"ps33417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Securitization Committee</span><span class=\"f charStyle-9eccfdcb ps26049\"> ist das Entscheidungsgremium f\u00fcr Limitantr\u00e4ge betreffend Verbriefungspositionen im Rahmen </span></div><div class=\"ps33418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der konkreten Entscheidungsbefugnisse und erarbeitet \u00c4nderungsvorschl\u00e4ge zur Verbriefungsstrategie f\u00fcr den Vorstand. </span></div><div class=\"ps33419 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich dient das Verbriefungskommittee als eine Plattform zum Austausch von Informationen bez\u00fcglich </span></div><div class=\"ps33420 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verbriefungspositionen und Marktentwicklungen.</span></div><div class=\"ps33422 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Group Operational Risk Management &amp; Controls Committee </span><span class=\"f charStyle-9eccfdcb ps33421\">setzt sich unter dem Vorsitz des CRO sowohl aus </span></div><div class=\"ps33423 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vertreter:innen der Gesch\u00e4ftsbereiche (Privat, Markt und Kommerzkunden) als auch Teilnehmer:innen aus Compliance (inklusive </span></div><div class=\"ps33424 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Finanzkriminalit\u00e4t, Regulatorische Compliance), Internes Kontrollsystem (IKS), Security, IT Risk Management und Risk Controlling </span></div><div class=\"ps33425 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zusammen. Dieses Gremium ist mit der Steuerung des operationellen Risikos (inklusive Verhaltensrisiken) betraut, um basierend </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf dem Risikoprofil und der Gesch\u00e4ftsstrategie eine operationelle Risikostrategie abzuleiten und zu etablieren sowie </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entscheidungen im Hinblick auf Ma\u00dfnahmen, Kontrollen und Risikoakzeptanz zu treffen.</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Group Security Committee</span><span class=\"f charStyle-9eccfdcb ps26051\"> ist verantwortlich f\u00fcr die Implementierung und Einhaltung der Security Policy und der IT Risk </span></div><div class=\"ps761 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management Policy f\u00fcr die Gruppe. Dies inkludiert unter anderem die Genehmigung der Security und der IT Risk Management </span></div><div class=\"ps762 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Policy, die Definition von Key Performance Indicators und Key Risk Indicators die auf Gruppenebene sowie in den lokalen </span></div><div class=\"ps763 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Security Committees berichtet werden m\u00fcssen, und die Definition und \u00dcberpr\u00fcfung des Risikoappetits in Bezug auf IT Risk und </span></div><div class=\"ps764 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Security. </span></div><div class=\"ps2413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Data Governance Committee</span><span class=\"f charStyle-9eccfdcb ps26052\"> ist das \u00fcbergeordnete Entscheidungsgremium des Konzerns f\u00fcr alle Themenbereiche in </span></div><div class=\"ps768 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bezug auf Data Governance. Dies inkludiert insbesondere auch Themen betreffend Datenqualit\u00e4t sowie \u00fcber die Einhaltung der </span></div><div class=\"ps769 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">BCBS239 Richtlinien. </span></div><div class=\"ps3659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Artificial Intelligence Committee</span><span class=\"f charStyle-9eccfdcb ps33426\"> ist das bereichs\u00fcbergreifende oberste Steuerungskomitee im RBI Konzern f\u00fcr Themen, </span></div><div class=\"ps25667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die die K\u00fcnstliche Intelligenz (KI) betreffen. Dies umfasst strategische und regulatorische Beaufsichtigung, Change </span></div><div class=\"ps16632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management, Ausbildung, transparente Kommunikation, die Einbeziehung der Stakeholder, Beratung des Vorstandes, das <span class=\"f ps24\"> </span></span></div><div class=\"ps2467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Reporting, sowie die Funktion als Eskalationsgremium f\u00fcr Themen die KI betreffen. </span></div><div class=\"ps25668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das </span><span class=\"f charStyle-283ba53a ps26016\">Contingency/Recovery/Resolution Committee</span><span class=\"f charStyle-9eccfdcb ps26055\"> ist ein durch den Vorstand einzuberufendes Entscheidungsgremium. Die </span></div><div class=\"ps2469 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zusammensetzung des Gremiums variiert gegebenenfalls abh\u00e4ngig von der Intensit\u00e4t bzw. dem Fokus (z. B. Kapital und/oder </span></div><div class=\"ps2470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4t) situationsspezifischer Anforderungen. Kernaufgabe des Komitees ist es die finanzielle Stabilit\u00e4t im Sinne des BaSAG </span></div><div class=\"ps26053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u00f6sterr. Banken Sanierungs- und Abwicklungsgesetz) bzw. der BRRD (Banking Recovery and Resolution Directive) im Falle einer </span></div><div class=\"ps12300 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kritischen Finanzsituation aufrechtzuerhalten bzw. wiederherzustellen. </span></div><div class=\"ps33427 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Qualit\u00e4tssicherung und Revision<span id=\"ibac9c12283a74aa8bf120310654b68d7\"></span></span></div><div class=\"ps33428 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Qualit\u00e4tssicherung in Bezug auf das Risikomanagement bedeutet die Sicherstellung der Integrit\u00e4t, Zuverl\u00e4ssigkeit und </span></div><div class=\"ps33429 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Genauigkeit von Prozessen, Modellen, Berechnungsvorg\u00e4ngen und Datenquellen. Dies soll die Einhaltung aller rechtlichen </span></div><div class=\"ps2792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vorgaben und die Erf\u00fcllung h\u00f6chster Qualit\u00e4tsanforderungen in Bezug auf die Risikomanagement-Aktivit\u00e4ten gew\u00e4hrleisten. </span></div><div class=\"ps33430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwei wichtige Funktionen in der unabh\u00e4ngigen Pr\u00fcfung werden durch die Bereiche Audit und Compliance wahrgenommen. Der </span></div><div class=\"ps33431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einsatz einer unabh\u00e4ngigen internen Revision ist eine gesetzliche Vorgabe und zentraler Bestandteil des internen </span></div><div class=\"ps33432 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrollsystems. Die Revision \u00fcberpr\u00fcft periodisch die gesamten Gesch\u00e4ftsprozesse und tr\u00e4gt damit wesentlich zu deren </span></div><div class=\"ps33086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung und Verbesserung bei. Die dazu erstellten Berichte werden direkt an den Vorstand der RBI AG adressiert und </span></div><div class=\"ps33087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig in dessen Sitzungen behandelt. Das Compliance Office verantwortet alle Themenstellungen rund um die Einhaltung </span></div><div class=\"ps33088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesetzlicher Anforderungen in Erg\u00e4nzung und als Bestandteil des Internen Kontrollsystems. Damit wird die Einhaltung der </span></div><div class=\"ps33089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestehenden Regelungen in den t\u00e4glichen Abl\u00e4ufen \u00fcberwacht. Dar\u00fcber hinaus wird im Rahmen der Jahresabschlusspr\u00fcfung </span></div><div class=\"ps33090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch Wirtschaftspr\u00fcfungsgesellschaften eine g\u00e4nzlich unabh\u00e4ngige und objektive Pr\u00fcfung frei von potenziellen </span></div><div class=\"ps33091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Interessenkonflikten durchgef\u00fchrt.</span></div><div class=\"ps33433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Gesamtbankrisikosteuerung<span id=\"i90172e62a34a4241b5c2cc2ab7be26df\"></span></span></div><div class=\"ps33434 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Sicherstellung einer angemessenen Kapitalausstattung ist eines der wesentlichen Ziele des Unternehmens. Die erforderliche </span></div><div class=\"ps33435 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalausstattung wird dazu regelm\u00e4\u00dfig auf Basis des nach internen Modellen ermittelten Risikos beurteilt, wobei in der Wahl </span></div><div class=\"ps33436 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der verwendeten Modelle auf die, im j\u00e4hrlichen Risikoassessment beurteilte, Wesentlichkeit der Risiken R\u00fccksicht genommen </span></div><div class=\"ps33437 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird. Dieses Konzept zur Risikosteuerung ber\u00fccksichtigt die Kapitalerfordernisse sowohl aus regulatorischer Sicht (Normative </span></div><div class=\"ps33438 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Perspektive) als auch unter \u00f6konomischen Gesichtspunkten (\u00d6konomische Perspektive). Es entspricht damit dem quantitativen </span></div><div class=\"ps33439 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren zur Beurteilung der Angemessenheit der internen Kapitalausstattung (ICAAP), wie gesetzlich gefordert und in der von </span></div><div class=\"ps33440 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Europ\u00e4ischen Zentralbank ver\u00f6ffentlichten Richtlinie f\u00fcr den ICAAP beschrieben. Der gesamte ICAAP-Prozess der RBI AG </span></div><div class=\"ps33441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird j\u00e4hrlich im Rahmen der aufsichtsrechtlichen Evaluierung der RBI Kreditinstitutsgruppe gepr\u00fcft.</span></div><div class=\"ps33442 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Risk Appetite Framework (RAF) limitiert das Gesamtrisiko des Konzerns im Einklang mit den strategischen Gesch\u00e4ftszielen </span></div><div class=\"ps33443 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und alloziert diese auf die unterschiedlichen Risikoarten und Gesch\u00e4ftsbereiche. Das vorrangige Ziel des RAF ist das Risiko </span></div><div class=\"ps33444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">insbesondere auch in adversen Szenarien und f\u00fcr gro\u00dfe singul\u00e4re Risiken so zu begrenzen, dass die Erf\u00fcllung regulatorischer </span></div><div class=\"ps33445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mindestquoten gew\u00e4hrleistet ist. Das Risk Appetite Framework ist daher eng verbunden mit dem ICAAP und dem ILAAP (Internal <span class=\"f ps24\"> </span></span></div><div class=\"ps33446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidity Adequacy Assessment Process) und legt Konzentrationslimits f\u00fcr die im Risikoassessment als wesentlich eingestuften </span></div><div class=\"ps33447 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoarten fest. Weiters besteht eine Verbindung zum Sanierungsplan, da die Grenzwerte f\u00fcr Risikokapazit\u00e4t und </span></div><div class=\"ps33448 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikotoleranz im RAF mit den jeweiligen Grenzwerten aus dem Sanierungsplan abgestimmt sind. \u00dcber den vom Vorstand </span></div><div class=\"ps33449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beschlossenen Risikoappetit und die Risikostrategie des Konzerns und deren Umsetzung wird zudem regelm\u00e4\u00dfig im </span></div><div class=\"ps33044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoausschuss des Aufsichtsrats berichtet.<span class=\"f ps24\"> </span></span></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87pt\"></td><td style=\"padding:0;width:102pt\"></td><td style=\"padding:0;width:132pt\"></td><td style=\"padding:0;width:120.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Ansatz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22269 ss1190\"><div><div class=\"ps264 ss1189\"><span class=\"f charStyle-1dbd4d87 ps30\">Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26084 ss1441\"><div><div class=\"ps264 ss1440\"><span class=\"f charStyle-1dbd4d87 ps30\">Messmethode<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26085 ss1443\"><div><div class=\"ps264 ss1442\"><span class=\"f charStyle-1dbd4d87 ps30\">Konfidenzniveau<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00d6konomische Perspektive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1444\"><div><div class=\"ps264 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00d6konomisches Kapital<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26086 ss1445\"><div><div class=\"ps264 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Risiko, dass die unerwarteten <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Verluste aus \u00f6konomischer Sicht das </span></div><div class=\"ps3019 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">interne Kapital \u00fcbersteigen</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26087 ss1446\"><div><div class=\"ps264 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Der unerwartete Verlust f\u00fcr den Risikohorizont <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">von einem Jahr (\u00d6konomisches Kapital) darf den </span></div><div class=\"ps3019 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">aktuellen Wert des harten Kernkapitals nicht </span></div><div class=\"ps3704 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">\u00fcberschreiten.</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26088 ss1447\"><div><div class=\"ps264 ss1442\"><span class=\"f charStyle-375ad3a6 ps30\">99,90 Prozent<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18993 ss1245\"><div><div class=\"ps31 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Normative Perspektive<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18995 ss1444\"><div><div class=\"ps264 ss383\"><span class=\"f charStyle-1dbd4d87 ps30\">Stress-Szenarien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26089 ss1445\"><div><div class=\"ps264 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Risiko, eine nachhaltige <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Kernkapitalquote \u00fcber den </span></div><div class=\"ps3019 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">Konjunkturzyklus hinweg zu <span class=\"f ps24\"> </span></span></div><div class=\"ps3704 ss1189\"><span class=\"f charStyle-375ad3a6 ps30\">unterschreiten</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26090 ss1446\"><div><div class=\"ps264 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Kapital- und Ertragsprognose f\u00fcr die dreij\u00e4hrige <span class=\"f ps24\"> </span></span></div><div class=\"ps265 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">Planungsperiode bei Annahme eines <span class=\"f ps24\"> </span></span></div><div class=\"ps3019 ss1440\"><span class=\"f charStyle-375ad3a6 ps30\">signifikanten makro\u00f6konomischen Abschwungs</span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26091 ss1447\"><div><div class=\"ps264 ss1442\"><span class=\"f charStyle-6d404c82 ps30\">rund 95 Prozent</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33451 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">\u00d6konomische Perspektive \u2013 \u00d6konomischer <span id=\"i31e3d23bde984bb9986eef5575292782\"></span></span></div><div class=\"ps33452 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Kapitalansatz</span></div><div class=\"ps33453 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Darin werden Risiken durch das \u00f6konomische Kapital gemessen, das eine vergleichbare Risikokennzahl f\u00fcr alle materiellen </span></div><div class=\"ps33454 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoarten darstellt. Es wird als die Summe von unerwarteten Verlusten aus den Gesch\u00e4ften in den unterschiedlichen </span></div><div class=\"ps33455 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikokategorien berechnet. Zus\u00e4tzlich flie\u00dft ein allgemeiner Puffer f\u00fcr Risikoarten ein, die nicht explizit quantifiziert werden.</span></div><div class=\"ps33456 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle enth\u00e4lt die Anteile der Risikoarten am \u00f6konomischen Kapital:</span></div><div class=\"ps33458 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Beteiligungsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32226\">4.776.313<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8756\"></span><span class=\"ps8756\">77,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1640\">4.673.816<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17456\"></span><span class=\"ps17456\">73,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko Firmenkunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12774\">389.599<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">6,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18553\">479.599<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21319\"></span><span class=\"ps21319\">7,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Marktrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19481\">283.517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4150\"></span><span class=\"ps4150\">4,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps33457\">193.679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19952\"></span><span class=\"ps19952\">3,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko \u00f6ffentlicher Sektor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7208\">162.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">2,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7346\">342.875<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">5,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Risiko sonstige Sachanlagen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4167\">77.181<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26284\">90.753<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Operationelles Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23242\">76.893<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">1,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25265\">147.278<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko Retail-Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22392\">51.667<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22198\">23.790<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditrisiko Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22192\">48.537<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22192\">66.328<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">CVA-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps28381\">22.195<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17760\">14.770<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Risikopuffer<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7356\">294.437<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20448\"></span><span class=\"ps20448\">4,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8070\">301.645<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20448\"></span><span class=\"ps20448\">4,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps158 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps307\">6.183.167<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps22867\">6.334.535<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffed00;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16608 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das \u00d6konomische Kapital reduzierte sich im Jahresvergleich auf \u20ac 6.183.167 Tausend. F\u00fcr die RBI AG ist das Beteiligungsrisiko die </span></div><div class=\"ps16609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">betragsm\u00e4\u00dfig gr\u00f6\u00dfte Risikoart. Die st\u00e4rksten R\u00fcckg\u00e4nge waren im Kreditrisiko gegen\u00fcber Firmenkunden und dem \u00f6ffentlichen <span class=\"f ps24\"> </span></span></div><div class=\"ps16610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sektor zu verzeichnen, w\u00e4hrend sich das Marktrisiko erh\u00f6hte. </span></div><div class=\"ps33459 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG wendet zur Berechnung des \u00f6konomischen Kapitals ein Konfidenzniveau von 99,90 Prozent an. </span></div><div class=\"ps33460 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das \u00f6konomische Kapital dient als wichtiges Instrument in der Gesamtbankrisikosteuerung und wird bei der Allokation von </span></div><div class=\"ps33461 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikobudgets herangezogen. Limits f\u00fcr \u00f6konomisches Kapital werden dazu im j\u00e4hrlichen Budgetierungsprozess auf die </span></div><div class=\"ps33462 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen Gesch\u00e4ftsbereiche aufgeteilt und f\u00fcr die operative Steuerung durch Volumen-, Sensitivit\u00e4ts- oder Value-at-Risk-</span></div><div class=\"ps33463 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limits erg\u00e4nzt. Diese Planung erfolgt in der RBI AG jeweils f\u00fcr drei Jahre auf revolvierender Basis und bezieht sich sowohl auf </span></div><div class=\"ps33464 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die zuk\u00fcnftige Entwicklung des \u00f6konomischen Kapitals als auch auf das zur Verf\u00fcgung stehende interne Kapital. Das </span></div><div class=\"ps33465 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6konomische Kapital wirkt sich somit wesentlich auf die Planung der zuk\u00fcnftigen Kreditvergabe und das Gesamtlimit f\u00fcr </span></div><div class=\"ps33466 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiken aus.</span></div><div class=\"ps18887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auch die risikoadjustierte Performancemessung basiert auf diesem Risikoma\u00df. Dabei wird der Ertrag einer Gesch\u00e4ftseinheit in </span></div><div class=\"ps18888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Relation zum \u00f6konomischen Kapital, das dieser Einheit zuzurechnen ist, gesetzt (Verh\u00e4ltnis von risikoadjustiertem Ertrag zu </span></div><div class=\"ps18889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">risikoadjustiertem Kapital, RORAC). Dies ergibt eine vergleichbare Performancekennzahl f\u00fcr alle Gesch\u00e4ftseinheiten der Bank, </span></div><div class=\"ps18890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die wiederum als Kennzahl in der Gesamtbanksteuerung, der diesbez\u00fcglichen zuk\u00fcnftigen Kapitalallokation und der Verg\u00fctung </span></div><div class=\"ps18891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">f\u00fcr Gesch\u00e4ftsleiter:innen Ber\u00fccksichtigung findet.</span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Normative Perspektive \u2013 Stress Szenarien<span id=\"ib7638ab668b448b3ad54d75c86a21873\"></span></span></div><div class=\"ps1433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Analyse der Stress Szenarien in der Normativen Perspektive des ICAAP soll sicherzustellen, dass die RBI AG in einer </span></div><div class=\"ps2275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">mehrj\u00e4hrigen Planungsperiode auch in einem sich unerwartet verschlechternden makro\u00f6konomischen Umfeld \u00fcber ausreichend </span></div><div class=\"ps2276 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hohe Kapitalquoten verf\u00fcgt. Die Analyse basiert auf einem mehrj\u00e4hrig angelegten makro\u00f6konomischen Stresstest, in dem <span class=\"f ps24\"> </span></span></div><div class=\"ps2277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hypothetische Marktentwicklungen bei einem signifikanten, aber realistischen wirtschaftlichen Abschwung simuliert werden. </span></div><div class=\"ps2278 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als Risikoparameter kommen dabei unter anderem Zinskurven, Wechselkurse und Wertpapierkurse, aber auch \u00c4nderungen der </span></div><div class=\"ps2279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeit bzw. Rating-Migrationen im Kreditportfolio, sowie Verluste aus operationellen Risiken zum Einsatz.</span></div><div class=\"ps33377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Hauptaugenmerk dieses integrierten Stresstests gilt der daraus resultierenden Kapitalquoten am Ende der mehrj\u00e4hrigen </span></div><div class=\"ps33378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrachtung. Diese sollen einen nachhaltigen Wert nicht unterschreiten und somit keine Notwendigkeit f\u00fcr substantielle </span></div><div class=\"ps33379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalerh\u00f6hungen oder tiefgehende Einschr\u00e4nkungen des Gesch\u00e4ftsvolumens darstellen. Die aktuell erforderliche </span></div><div class=\"ps25892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalausstattung resultiert damit aus dem wirtschaftlichen R\u00fcckschlagpotenzial. In die unterstellten Stress-Szenarien flie\u00dfen </span></div><div class=\"ps25893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dabei sowohl die Bildung von notwendigen Risikovorsorgen und potenzielle prozyklische Effekte (durch welche die </span></div><div class=\"ps33467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorischen Kapitalerfordernisse ansteigen) als auch Fremdw\u00e4hrungseffekte und sonstige Bewertungs- und </span></div><div class=\"ps33468 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragskomponenten ein. Bereits bekannte regulatorische \u00c4nderungen werden f\u00fcr die Planungsperiode ber\u00fccksichtigt.</span></div><div class=\"ps33381 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Diese Perspektive erg\u00e4nzt somit auch die sonst \u00fcbliche Risikomessung auf Basis des Value-at-Risk-Konzepts (das im </span></div><div class=\"ps33382 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wesentlichen auf historischen Daten beruht). Dadurch k\u00f6nnen auch au\u00dfergew\u00f6hnliche und in der Vergangenheit nicht </span></div><div class=\"ps33383 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beobachtbare Marktsituationen abgedeckt und potenzielle Auswirkungen dieser Entwicklungen abgesch\u00e4tzt werden. Der </span></div><div class=\"ps33469 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stresstest erm\u00f6glicht auch die Analyse von Risikokonzentrationen (z. B. in Einzelpositionen, Wirtschaftszweigen oder Regionen) </span></div><div class=\"ps33470 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und erlaubt einen Einblick in die Profitabilit\u00e4t, Liquidit\u00e4t und Solvabilit\u00e4t bei au\u00dfergew\u00f6hnlichen Umst\u00e4nden. Das </span></div><div class=\"ps33471 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement der RBI AG steuert darauf aufbauend aktiv die Portfolio-Diversifikation, z. B. durch Obergrenzen f\u00fcr das </span></div><div class=\"ps4986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesamt-Exposure in einzelnen Wirtschaftszweigen und L\u00e4ndern oder durch eine laufende Anpassung der entsprechenden </span></div><div class=\"ps4989 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditvergabestandards.</span></div><div class=\"ps33472 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Kreditrisiko<span id=\"ifb73020f1dbe4929b0c2ec4c71b09687\"></span></span></div><div class=\"ps33473 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditrisiko der RBI AG betrifft vornehmlich Ausfallrisiken, die sich aus Gesch\u00e4ften mit Firmen- und Privatkund:innen, </span></div><div class=\"ps33474 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderen Banken und \u00f6ffentlichen Kreditnehmern ergeben. Es ist die mit Abstand wichtigste Risikokategorie f\u00fcr die RBI AG, wie <span class=\"f ps24\"> </span></span></div><div class=\"ps33475 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch aus dem internen und regulatorischen Kapitalerfordernis ersichtlich ist. Kreditrisiken werden folglich sowohl auf </span></div><div class=\"ps33476 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelkredit- und Kundenbasis als auch auf Portfoliobasis \u00fcberwacht und analysiert. Grundlage f\u00fcr die Kreditrisikosteuerung </span></div><div class=\"ps33477 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Kreditentscheidung sind die Kreditrisikopolitik, die Kreditrisikohandb\u00fccher und die zu diesem Zweck entwickelten </span></div><div class=\"ps33478 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisikomanagement-Methoden und -prozesse. Das interne Kontrollsystem f\u00fcr Kreditrisiken umfasst verschiedene Formen </span></div><div class=\"ps33479 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von \u00dcberwachungsma\u00dfnahmen, die unmittelbar in die zu \u00fcberwachenden Arbeitsabl\u00e4ufe \u2013 vom Kreditantrag der Kund:innen </span></div><div class=\"ps33480 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber die Kreditentscheidung der Bank bis hin zur R\u00fcckzahlung des Kredits \u2013 integriert sind.</span></div><div class=\"ps28555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Non-Retail-Bereich erfolgt keine Kreditvergabe, ohne zuvor den Kreditentscheidungsprozess durchlaufen zu haben. Dieser </span></div><div class=\"ps28556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozess wird \u2013 neben der Vergabe von Neukrediten \u2013 auch f\u00fcr Krediterh\u00f6hungen, Prolongationen, \u00dcberziehungen und bei </span></div><div class=\"ps28560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00c4nderung risikorelevanter Sachverhalte, die der urspr\u00fcnglichen Kreditentscheidung zugrunde lagen (z. B. wirtschaftliche </span></div><div class=\"ps28565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Situation des Kreditnehmers, Verwendungszweck oder Sicherheiten), durchlaufen. Er gilt auch f\u00fcr die Festlegung von </span></div><div class=\"ps28570 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kreditnehmerbezogenen Limits f\u00fcr Handels- und Emissionsgesch\u00e4fte, sonstigen mit Kreditrisiko behafteten Limits und f\u00fcr </span></div><div class=\"ps28575 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Beteiligungen.</span></div><div class=\"ps28576 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditentscheidungen werden je nach Gr\u00f6\u00dfe und Art des Kredits anhand einer hierarchischen Kompetenzordnung gef\u00e4llt. F\u00fcr </span></div><div class=\"ps28584 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">individuelle Kreditentscheidungen und die turnusm\u00e4\u00dfige Beurteilung der Adressenausfallrisiken sind dabei immer die </span></div><div class=\"ps28585 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zustimmung der Bereiche Markt und Marktfolge einzuholen. F\u00fcr den Fall voneinander abweichender Voten der einzelnen </span></div><div class=\"ps33481 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kompetenztr\u00e4ger sieht die Kompetenzordnung ein Eskalationsverfahren in die n\u00e4chsth\u00f6here Kompetenzstufe vor.</span></div><div class=\"ps28587 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo nach Asset-Klassen (Ratingmodellen):</span></div><div class=\"ps33483 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10434\">42.532.140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17554\"></span><span class=\"ps17554\">46,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7134\">42.753.549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17779\"></span><span class=\"ps17779\">46,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Projektfinanzierungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13219\">3.649.628<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">4,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps33482\">2.970.052<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22281\">3.983.840<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18468\"></span><span class=\"ps18468\">4,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1721\">3.025.698<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10804\"></span><span class=\"ps10804\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1450\">22.039.074<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17456\"></span><span class=\"ps17456\">24,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32842\">24.064.062<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10095\"></span><span class=\"ps10095\">26,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6ffentlicher Sektor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22570\">18.765.905<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10095\"></span><span class=\"ps10095\">20,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10434\">19.786.454<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10661\"></span><span class=\"ps10661\">21,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20445\">90.970.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps6002\">92.599.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Kreditportfolio \u2013 Firmenkunden<span id=\"i4114e5aa39ec47e39c93a7e16ce10af6\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die internen Ratingverfahren f\u00fcr Firmenkunden ber\u00fccksichtigen sowohl qualitative Faktoren als auch verschiedene Bilanz- und </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gewinnkennzahlen, die unterschiedliche Aspekte der Kundenbonit\u00e4t f\u00fcr verschiedene Branchen und L\u00e4nder abdecken. </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zus\u00e4tzlich enth\u00e4lt das Modell f\u00fcr kleine Firmenkunden auch eine Kontoverhaltenskomponente.</span></div><div class=\"ps2179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachstehende Tabelle zeigt das gesamte Kreditobligo nach internem Rating f\u00fcr Firmenkunden (Gro\u00dfkunden, mittelgro\u00dfe </span></div><div class=\"ps2182 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und kleine Firmenkunden). Zur besseren Lesbarkeit wurden die einzelnen Stufen der Ratingskala allerdings auf die </span></div><div class=\"ps2183 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zugrundeliegenden neun Hauptstufen zusammengefasst.</span></div><div class=\"ps33493 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:17.25pt\"></td><td style=\"padding:0;width:184.5pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9059 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Minimales Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps377\">2.213.837<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">5,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19309\">1.396.903<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10804\"></span><span class=\"ps10804\">3,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33485 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellente Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6299\">5.007.629<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21595\"></span><span class=\"ps21595\">11,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps91\">6.083.777<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10661\"></span><span class=\"ps10661\">14,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33486 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6365\">12.416.557<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10482\"></span><span class=\"ps10482\">29,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7069\">13.129.807<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9395\"></span><span class=\"ps9395\">30,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33487 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22540\">12.459.128<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26293\"></span><span class=\"ps26293\">29,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps191\">12.593.522<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17344\"></span><span class=\"ps17344\">29,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33488 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Intakte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15656\">6.690.654<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8779\"></span><span class=\"ps8779\">15,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1621\">5.498.715<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26544\"></span><span class=\"ps26544\">12,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33489 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Akzeptable Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19678\">2.204.555<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">5,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18559\">1.693.830<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">4,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7207 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Knappe Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11278\">549.563<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19952\"></span><span class=\"ps19952\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21353\">437.974<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33490 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache bzw. minderwertige Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26632\">91.479<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18593\">158.347<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33491 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr schwache bzw. zweifelhafte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19481\">267.916<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17744\">215.148<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17240\"></span><span class=\"ps17240\">0,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33492 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7208\">596.152<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps240\">1.545.506<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">3,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7794 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23296\">34.670<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps32118\">42.532.140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8516\">42.753.549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das gesamte Kreditobligo f\u00fcr Firmenkunden verringerte sich im Vergleich zum Jahresende 2024 um \u20ac\u00a0221.409 Tausend auf </span></div><div class=\"ps33495 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps1044\">42.532.140</span><span class=\"f charStyle-9eccfdcb ps33494\"> Tausend.</span></div><div class=\"ps33496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der R\u00fcckgang bei den Firmenkunden war vor allem auf einen R\u00fcckgang von Kredit- und Rahmenfinanzierungen in \u00d6sterreich, </span></div><div class=\"ps33497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Luxemburg, Indonesien und Gro\u00dfbritannien zur\u00fcckzuf\u00fchren, welcher teilweise durch einen Anstieg der Rahmenfinanzierungen in </span></div><div class=\"ps14154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Schweiz kompensiert wurde. Zus\u00e4tzlich kam es zu einem R\u00fcckgang bei Swap- und Devisengesch\u00e4fte in \u00d6sterreich. Der </span></div><div class=\"ps33498 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckgang wurde teilweise durch einen Anstieg der Repo-Gesch\u00e4fte in Singapur und gegebenen Garantien in \u00d6sterreich </span></div><div class=\"ps33499 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kompensiert. </span></div><div class=\"ps33500 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das f\u00fcnfstufige Rating-Modell f\u00fcr Projektfinanzierungen basiert auf den Slotting-Kriterien gem\u00e4\u00df EBA/RTS/2016/02. </span></div><div class=\"ps33501 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:17.25pt\"></td><td style=\"padding:0;width:184.5pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6,1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9059 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgezeichnete Projektbonit\u00e4t \u2013 sehr geringes Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17912\">1.813.681<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19473\"></span><span class=\"ps19473\">49,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32853\">1.978.649<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17462\"></span><span class=\"ps17462\">66,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6,2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33485 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Projektbonit\u00e4t \u2013 geringes Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17763\">1.033.513<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19473\"></span><span class=\"ps19473\">28,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14999\">522.743<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18514\"></span><span class=\"ps18514\">17,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6,3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33486 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ausreichende Projektbonit\u00e4t \u2013 mittleres Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8070\">105.643<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">2,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1474\">205.387<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps22188\"></span><span class=\"ps22188\">6,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6,4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33487 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache Projektbonit\u00e4t \u2013 hohes Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19433\">56.500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33488 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27543\">640.289<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8779\"></span><span class=\"ps8779\">17,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22545\">263.273<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">8,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33489 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26474\">3.649.628<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps9799\">2.970.052<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33502 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo der unter Projektfinanzierung ausgewiesenen Forderungen verzeichnete zum 31. Dezember 2025 einen Anstieg </span></div><div class=\"ps33507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">um \u20ac\u00a0679.577 Tausend auf \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps33503\">3.649.628</span><span class=\"f charStyle-9eccfdcb ps33504\"> Tausend. Der Anstieg </span><span class=\"f charStyle-9eccfdcb ps33505\">in Deutschland war</span><span class=\"f charStyle-9eccfdcb ps33506\"> haupts\u00e4chlich auf eine mit dem Regulator </span></div><div class=\"ps33508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgestimmte Umgliederung von drei bestehenden ausgefallenen Kunden aus dem Firmenkundenportfolio zu </span></div><div class=\"ps21246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Projektfinanzierungen zur\u00fcckzuf\u00fchren</span><span class=\"f charStyle-9eccfdcb ps33509\">.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Kreditportfolio \u2013 Retail-Kunden<span id=\"i4ec85b6d71754f6cb969ed31934377fd\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo f\u00fcr Retail-Kund:innen nach internem Rating:</span></div><div class=\"ps25203 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:17.25pt\"></td><td style=\"padding:0;width:184.5pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">0,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9059 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Minimales Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps326\">343.934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">8,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15649\">408.157<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10661\"></span><span class=\"ps10661\">13,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">1,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33485 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellente Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12618\">357.277<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">9,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17129\">323.957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20319\"></span><span class=\"ps20319\">10,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">1,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33486 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19638\">200.609<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17240\"></span><span class=\"ps17240\">5,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18385\">98.169<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">2,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33487 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18553\">646.567<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26544\"></span><span class=\"ps26544\">16,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15111\">41.158<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">2,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33488 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Intakte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps65\">1.031.672<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17344\"></span><span class=\"ps17344\">25,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24760\">32.499<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">3,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33489 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Akzeptable Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32246\">354.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26117\"></span><span class=\"ps26117\">8,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17901\">17.953<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">3,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7207 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Knappe Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps3165\">202.308<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">5,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4152\">8.932<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">4,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33490 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache bzw. minderwertige Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17792\">133.652<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19736\"></span><span class=\"ps19736\">3,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17906\">8.861<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">4,5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33491 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr schwache bzw. zweifelhafte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24631\">82.430<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18027\">12.733<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">5,0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33492 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17542\">97.673<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps503\">135.485<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10720\"></span><span class=\"ps10720\">4,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7794 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17737\">533.134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4171\"></span><span class=\"ps4171\">13,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1610\">1.937.793<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19466\"></span><span class=\"ps19466\">64,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps189\">3.983.840<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps218\">3.025.698<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28037 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das nicht geratete Kreditobligo umfasst vor allem Kreditkartenlimite \u00f6sterreichischer Kund:innen. Der R\u00fcckgang der nicht <span class=\"f ps24\"> </span></span></div><div class=\"ps28038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gerateten Kund:innen war vor allem darauf zur\u00fcckzuf\u00fchren, dass der Gro\u00dfteil des Kreditkartengesch\u00e4fts im ersten Quartal </span></div><div class=\"ps32504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 ein Rating erhalten hat. </span></div><div class=\"ps33511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Kreditportfolio \u2013 Kreditinstitute<span id=\"ic4bfe549725246d0b6fe1073d6e99ab4\"></span></span></div><div class=\"ps33512 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die nachfolgende Tabelle stellt das gesamte Kreditobligo an Kreditinstitute (ohne Zentralbanken) nach dem internen Rating </span></div><div class=\"ps33513 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dar. Die Ausfallwahrscheinlichkeiten in dieser Asset-Klasse werden aufgrund der geringen Anzahl an Kund:innen (bzw. an </span></div><div class=\"ps33514 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">beobachtbaren Ausf\u00e4llen) in den einzelnen Rating-Stufen durch eine Kombination interner und externer Daten ermittelt. Die </span></div><div class=\"ps33515 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verschiebungen innerhalb der einzelnen Ratingklassen ergaben sich zum Teil aus der regelm\u00e4\u00dfigen Rekalibrierung der </span></div><div class=\"ps33516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ratingmodelle f\u00fcr Kreditinstitute.</span></div><div class=\"ps33519 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:17.25pt\"></td><td style=\"padding:0;width:184.5pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9059 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Minimales Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps33517\">3.859.713<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8779\"></span><span class=\"ps8779\">17,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14902\">3.030.603<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26544\"></span><span class=\"ps26544\">12,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33485 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Exzellente Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps32687\">927.454<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps118\">1.839.065<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21319\"></span><span class=\"ps21319\">7,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33486 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1660\">12.742.749<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4134\"></span><span class=\"ps4134\">57,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4113\">15.535.808<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps33518\"></span><span class=\"ps33518\">64,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33487 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23270\">3.800.460<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16295\"></span><span class=\"ps16295\">17,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10749\">2.928.456<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20175\"></span><span class=\"ps20175\">12,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33488 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Intakte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14999\">372.254<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20746\"></span><span class=\"ps20746\">1,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17136\">481.004<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33489 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Akzeptable Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7965\">141.636<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15113\">85.491<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7207 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Knappe Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19655\">123.540<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17950\"></span><span class=\"ps17950\">0,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25824\">59.240<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33490 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Schwache bzw. minderwertige Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19205\">484<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps11166\">7.866<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33491 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr schwache bzw. zweifelhafte Kreditw\u00fcrdigkeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps25824\">70.498<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17780\">96.011<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33492 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20203\">226<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22197\">343<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7794 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20196\">60<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20346\">175<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps12771\">22.039.074<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps181\">24.064.062<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps27146 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditobligo gegen\u00fcber Kreditinstituten betrug zum 31. Dezember 2025 \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps33520\">22.039.074</span><span class=\"f charStyle-9eccfdcb ps33521\"> Tausend und wies damit einen </span></div><div class=\"ps27147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckgang um \u20ac\u00a02.024.988 Tausend gegen\u00fcber dem Jahresultimo 2024 auf. Dieser R\u00fcckgang resultierte vorwiegend aus einem </span></div><div class=\"ps33522 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckgang der Repo-Gesch\u00e4fte in Frankreich, Italien und den Niederlanden, welcher teilweise durch einen Anstieg in </span></div><div class=\"ps33523 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Deutschland, Irland, den Vereinigten Arabischen Emiraten und Singapur kompensiert wurde.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Kreditportfolio \u2013 \u00d6ffentlicher Sektor<span id=\"i3990737089be4cd385b8cdf25c7d717d\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Eine weitere Kundengruppe stellen souver\u00e4ne Staaten, Zentralbanken sowie regionale Gebietsk\u00f6rperschaften und andere </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">staaten\u00e4hnliche Organisationen dar. Das Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor inkludiert lokale und regionale </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regierungen.<span class=\"f ps24\"> </span></span></div><div class=\"ps2179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor (inklusive Zentralbanken) nach dem internen Rating:</span></div><div class=\"ps31579 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:17.25pt\"></td><td style=\"padding:0;width:184.5pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9059 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ausgezeichnete Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps372\">2.788.750<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8832\"></span><span class=\"ps8832\">14,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1704\">2.503.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps16295\"></span><span class=\"ps16295\">12,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33485 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Sehr gute Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20494\">13.548.883<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10128\"></span><span class=\"ps10128\">72,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps9810\">15.806.016<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17472\"></span><span class=\"ps17472\">79,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33486 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Gute Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13229\">1.529.569<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20246\"></span><span class=\"ps20246\">8,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19494\">1.095.342<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20066\"></span><span class=\"ps20066\">5,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33487 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Solide Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7223\">795.460<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps7965\">319.194<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33488 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Zufriedenstellende Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17216\">62.827<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18759\">25.778<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33489 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ad\u00e4quate Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18524\">13.828<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20319\">4.030<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7207 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Fragliche Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18463\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps33525\">410<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33490 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">H\u00f6chst fragliche Bonit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18447\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33491 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfallgef\u00e4hrdet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26246\">18.389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15112\">19.496<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">0,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33492 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Ausfall<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">7.984<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17897\">8.657<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1069\"><div><div class=\"ps31 ss669\"><span class=\"f charStyle-375ad3a6 ps30\">NR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7794 ss1573\"><div><div class=\"ps31 ss1572\"><span class=\"f charStyle-375ad3a6 ps30\">Nicht geratet<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17446\">198<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27337\">3.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"2\" style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps171 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps12431\">18.765.905<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps7190\">19.786.454<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps28040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Vergleich zum Jahresende 2024 sank das Kreditobligo gegen\u00fcber dem \u00f6ffentlichen Sektor netto um \u20ac\u00a01.020.549 Tausend auf </span></div><div class=\"ps28041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u20ac\u00a0<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps1044\">18.765.905</span><span class=\"f charStyle-9eccfdcb ps33526\"> Tausend. Den gr\u00f6\u00dften R\u00fcckgang verzeichnete Rating-Klasse 2, was vor allem auf verringerte Einlagen bei\u00a0 der </span></div><div class=\"ps28042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Oesterreichischen Nationalbank zur\u00fcckzuf\u00fchren war, dahingegen wurde der Bestand an Staatsanleihen erh\u00f6ht.</span></div><div class=\"ps33527 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Kreditportfoliomanagement<span id=\"i84543dce339d49a7ae7a898f90e5b9c9\"></span></span></div><div class=\"ps33528 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditportfolio der RBI AG wird unter anderem anhand der Portfoliostrategie gesteuert. Diese begrenzt die Kreditvergabe in </span></div><div class=\"ps33529 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterschiedlichen L\u00e4ndern, Wirtschaftszweigen oder Produkttypen und vermeidet dadurch unerw\u00fcnschte </span></div><div class=\"ps33530 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikokonzentrationen. Dar\u00fcber hinaus werden laufend die langfristigen Entwicklungschancen in den einzelnen M\u00e4rkten </span></div><div class=\"ps33531 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">analysiert. Dies erm\u00f6glicht es schon fr\u00fchzeitig, strategische Weichenstellungen in Bezug auf das k\u00fcnftige Kreditengagement <span class=\"f ps24\"> </span></span></div><div class=\"ps33532 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorzunehmen.</span></div><div class=\"ps33533 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditportfolio der RBI AG ist sowohl hinsichtlich der Regionen als auch der Branchen breit gestreut. Die geografische </span></div><div class=\"ps33534 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Aufgliederung der bilanziellen und au\u00dferbilanziellen Forderungen spiegelt die breite Diversifizierung des Kreditgesch\u00e4fts in den <span class=\"f ps24\"> </span></span></div><div class=\"ps33535 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">europ\u00e4ischen M\u00e4rkten wider. Diese Forderungen gliedern sich dem Risikoland des Kreditnehmers entsprechend nach Regionen </span></div><div class=\"ps33536 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wie folgt (L\u00e4nder mit Kreditobligo gr\u00f6\u00dfer als \u20ac 1 Milliarden sind getrennt dargestellt):</span></div><div class=\"ps33537 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps3137 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6sterreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20547\">36.229.792<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26273\"></span><span class=\"ps26273\">39,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1593\">37.536.679<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17232\"></span><span class=\"ps17232\">40,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Deutschland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21370\">12.552.492<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17823\"></span><span class=\"ps17823\">13,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13219\">11.140.401<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17455\"></span><span class=\"ps17455\">12,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Frankreich<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1640\">5.193.624<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps5233\"></span><span class=\"ps5233\">5,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps167\">8.564.605<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps12634\"></span><span class=\"ps12634\">9,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Schweiz<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14905\">3.522.857<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">3,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10749\">2.988.497<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Gro\u00dfbritannien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps240\">3.394.561<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18434\"></span><span class=\"ps18434\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps295\">3.390.935<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18434\"></span><span class=\"ps18434\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Ferner Osten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps58\">2.431.386<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">2,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12592\">2.111.369<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Niederlande<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps262\">2.305.223<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26712\">2.359.228<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Spanien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24171 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps14905\">2.207.392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">2,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6018\">1.858.192<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Vereinigte Staaten von Amerika<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26278 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19309\">1.894.356<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22179 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20221\"></span><span class=\"ps20221\">2,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps307\">1.445.368<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Polen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26286 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps307\">1.848.383<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps145\">2.296.422<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">2,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Luxemburg<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26601 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22548\">1.781.584<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22181 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps116\">2.227.740<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">2,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Italien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26602 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps15015\">1.709.934<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22184 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1564\">2.460.820<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">2,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Belgien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26603 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1669\">1.468.034<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22186 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1640\">1.292.464<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps195 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Rum\u00e4nien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26604 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps125\">1.353.196<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22189 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18567\">1.245.909<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19952\"></span><span class=\"ps19952\">1,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps207 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Irland<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26606 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps52\">1.037.906<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22201 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19667\">717.154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps220 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Tschechien<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26607 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10693\">1.005.425<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26608 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19628\">1.253.212<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20238\"></span><span class=\"ps20238\">1,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps233 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26609 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps6065\">11.034.441<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps26610 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11260\"></span><span class=\"ps11260\">12,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps431\">9.710.818<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17402\"></span><span class=\"ps17402\">10,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps239 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps26611 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20445\">90.970.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11156 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18402 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps6002\">92.599.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18404 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditportfolio der RBI AG verzeichnete einen R\u00fcckgang um \u20ac\u00a01.629.228 Tausend auf \u20ac\u00a0</span><span class=\"f charStyle-9eccfdcb ps33538\">90.970.586</span><span class=\"f charStyle-9eccfdcb ps33539\"> Tausend. Den gr\u00f6\u00dften <span class=\"f ps24\"> </span></span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">R\u00fcckgang verzeichnete Frankreich um \u20ac\u00a03.370.981 Tausend auf \u20ac\u00a05.193.624 Tausend, welcher aus einem R\u00fcckgang der Repo-</span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4fte resultierte. Der R\u00fcckgang in \u00d6sterreich um \u20ac\u00a01.306.887 Tausend auf \u20ac\u00a036.229.792 Tausend war vor allem bedingt </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch den R\u00fcckgang der Geldmarktgesch\u00e4fte, welcher teilweise durch einen Anstieg des Anleihenbestands sowie der Kredit- </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Rahmenfinanzierungen kompensiert wurde. Der Anstieg in Deutschland resultierte vorwiegend aus erh\u00f6hten Repo-</span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ften, Kredit-und Rahmenfinanzierungen sowie Anleihengesch\u00e4ften. Italien verzeichnete einen R\u00fcckgang bedingt durch <span class=\"f ps24\"> </span></span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verringerte Repo-Gesch\u00e4fte, welcher teilweise durch erh\u00f6hte Anleihengesch\u00e4fte kompensiert wurde. </span></div><div class=\"ps765 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Rahmen der Risikopolitik und Bonit\u00e4tsbeurteilung der RBI AG findet auch die Branche des Kreditnehmers Beachtung. Der </span></div><div class=\"ps1304 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gr\u00f6\u00dfte Branchenanteil am Kreditportfolio entf\u00e4llt auf das Kreditwesen, wobei dieser zu einem hohen Teil dem \u00f6sterreichischen <span class=\"f ps24\"> </span></span></div><div class=\"ps1792 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Raiffeisensektor zuzurechnen ist. Der \u00f6ffentliche Sektor ist im Wesentlichen auf Wertpapierbest\u00e4nde der Republik \u00d6sterreich </span></div><div class=\"ps1793 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">als Emittent zur\u00fcckzuf\u00fchren. <span class=\"f ps24\"> </span></span></div><div class=\"ps1308 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditobligo gegliedert nach Branchenzugeh\u00f6rigkeit:</span></div><div class=\"ps33545 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps3137 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kredit- und Versicherungswesen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps33540\">30.903.983<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19410\"></span><span class=\"ps19410\">34,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21154\">36.553.646<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17779\"></span><span class=\"ps17779\">39,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sachg\u00fctererzeugung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps479\">14.685.998<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26560\"></span><span class=\"ps26560\">16,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1658\">13.832.753<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8832\"></span><span class=\"ps8832\">14,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6ffentliche Verwaltung, Landesverteidigung, Sozialversicherung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps8724\">13.280.626<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps8832\"></span><span class=\"ps8832\">14,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4115\">10.548.895<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps11166\"></span><span class=\"ps11166\">11,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Handel; Instandhaltung und Reparatur von Kraftfahrzeugen und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Gebrauchsg\u00fctern</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps19309\">7.687.799<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps4146\"></span><span class=\"ps4146\">8,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps26817\">8.641.886<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18517\"></span><span class=\"ps18517\">9,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2066 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Realit\u00e4tenwesen, Vermietung beweglicher Sachen, Erbringung von <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">unternehmensbezogenen Dienstleistungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31592 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps31018\">6.576.208<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps31593 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20038\"></span><span class=\"ps20038\">7,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18685 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps10806\">7.200.845<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18687 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps21626\"></span><span class=\"ps21626\">7,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3024 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Private Haushalte<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23233 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22953\">3.895.512<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23234 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19736\"></span><span class=\"ps19736\">4,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23236 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps31018\">2.990.525<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23237 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">3,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3028 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Energie- und Wasserversorgung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23239 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps246\">3.841.500<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23240 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">4,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23241 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps248\">3.439.538<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9979 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18434\"></span><span class=\"ps18434\">3,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8943 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Bauwesen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23243 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19678\">2.092.047<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26276\"></span><span class=\"ps26276\">2,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23244 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17762\">1.872.765<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23245 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">2,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10832 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Verkehr und Nachrichten\u00fcbermittlung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23246 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17764\">1.493.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23247 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20102\"></span><span class=\"ps20102\">1,6 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23248 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps415\">1.381.820<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23249 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20224\"></span><span class=\"ps20224\">1,5 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4778 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Unterrichtswesen, Gesundheits-, Veterin\u00e4r- und Sozialwesen, Erbringung <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">von sonstigen \u00f6ffentlichen und pers\u00f6nlichen Dienstleistungen</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23250 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps10962\">983.389<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23251 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26605\"></span><span class=\"ps26605\">1,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23252 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps402\">905.840<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23253 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26367\"></span><span class=\"ps26367\">1,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5588 ss1426\"><div><div class=\"ps1485 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Land- und Forstwirtschaft, Fischerei und Fischzucht, Bergbau und <span class=\"f ps24\"> </span></span></div><div class=\"ps516 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Gewinnung von Steinen und Erden</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32708 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps18104\">673.370<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32709 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32581 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6 ps12611\">638.453<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps32582 ss631\"><div><div class=\"ps516 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4782 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33541 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18602\">4.857.005<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33542 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19682\"></span><span class=\"ps19682\">5,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33543 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps30622\">4.592.848<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33544 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17240\"></span><span class=\"ps17240\">5,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11839 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32712 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps20445\">90.970.586<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32713 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32586 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps6002\">92.599.814<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps32587 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33546 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die detaillierte Analyse des Kreditportfolios erfolgt anhand der Unterteilung in Ratingstufen. Das Kundenrating erfolgt dabei f\u00fcr </span></div><div class=\"ps33547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die unterschiedlichen Forderungsklassen getrennt. F\u00fcr die Bonit\u00e4tsbeurteilung werden daf\u00fcr jeweils interne </span></div><div class=\"ps33548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoklassifizierungsverfahren (Rating- und Scoringmodelle) eingesetzt, die auch zentral validiert werden. Die </span></div><div class=\"ps33549 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfallwahrscheinlichkeiten f\u00fcr unterschiedliche Ratingstufen werden nach Gesch\u00e4ftssegmenten getrennt ermittelt. Durch die </span></div><div class=\"ps33550 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verwendung einer Masterskala wird jedoch eine Vergleichbarkeit der Ratingstufen auch \u00fcber Gesch\u00e4ftssegmente hinweg </span></div><div class=\"ps33551 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erzielt. Scorecards f\u00fcr Retail-Forderungsklassen werden l\u00e4nderspezifisch nach konzernweit einheitlichen Richtlinien erstellt. </span></div><div class=\"ps33552 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sowohl f\u00fcr die Ratingerstellung als auch f\u00fcr die Validierung stehen entsprechende Instrumente (z. B. Unternehmensbewertung, <span class=\"f ps24\"> </span></span></div><div class=\"ps33553 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rating- und Ausfalldatenbank) zur Verf\u00fcgung.</span></div><div class=\"ps33554 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditsicherheiten stellen eine wesentliche Strategie und eine aktiv verfolgte Ma\u00dfnahme zur Reduktion des potentiellen </span></div><div class=\"ps33555 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditrisikos dar. Der Sicherheitenwert und der Effekt anderer risikomindernder Ma\u00dfnahmen werden w\u00e4hrend der </span></div><div class=\"ps33556 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditentscheidung beurteilt. Als risikomindernd wird jeweils jener Wert angesetzt, den die RBI AG bei Verwertung innerhalb </span></div><div class=\"ps33557 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer angemessenen Zeitspanne erwartet. Die anerkannten Sicherheiten sind im Sicherheitenkatalog und den dazugeh\u00f6rigen </span></div><div class=\"ps33558 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewertungsrichtlinien festgelegt. Der Sicherheitenwert errechnet sich dabei anhand einheitlicher Methoden, die standardisierte </span></div><div class=\"ps33559 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berechnungsformeln mit Marktwerten, vordefinierten Abschl\u00e4gen und Expertengutachten umfassen.</span></div><div class=\"ps33560 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Kreditausfall- und -abwicklungsprozess<span id=\"ia2bcf860d5244b29876f35ad867d2082\"></span></span></div><div class=\"ps33561 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Kreditportfolio sowie die Kreditnehmer unterliegen einer laufenden \u00dcberwachung. Wesentliche Ziele dieses Monitorings </span></div><div class=\"ps33562 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind, die widmungsgem\u00e4\u00dfe Verwendung der Kredite sicherzustellen und die wirtschaftliche Situation der Kreditnehmer zu </span></div><div class=\"ps33563 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verfolgen. Bei den Non-Retail-Segmenten Firmenkunden, Kreditinstitute und \u00f6ffentlicher Sektor wird zumindest einmal j\u00e4hrlich <span class=\"f ps24\"> </span></span></div><div class=\"ps33564 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eine derartige Kredit\u00fcberpr\u00fcfung durchgef\u00fchrt. Sie umfasst sowohl die erneute Bonit\u00e4tseinstufung als auch die Neubewertung </span></div><div class=\"ps33565 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von finanziellen und dinglichen Sicherheiten.</span></div><div class=\"ps23919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Problemkredite \u2013 also jene Aushaftungen bei denen materielle Schwierigkeiten oder Zahlungsverzug der Kreditnehmer erwartet </span></div><div class=\"ps23920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden \u2013 bed\u00fcrfen einer weitergehenden Bearbeitung. Problemkredite werden im Fall einer notwendigen Kreditsanierung an </span></div><div class=\"ps23921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Spezialisten oder Restrukturierungseinheiten (Workout-Abteilungen) \u00fcbergeben, welche unabh\u00e4ngig von der Marktseite </span></div><div class=\"ps15192 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">arbeiten und auch einer separaten Kompetenzordnung unterliegen. Die Mitarbeiter:innen dieser Abteilung k\u00f6nnen durch die </span></div><div class=\"ps33566 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fr\u00fchzeitige Einbindung eine Reduktion der Verluste aus Problemkrediten erzielen und/oder die Besicherungsstruktur der Kredit </span></div><div class=\"ps33567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">optimieren.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Kreditausfall, wird anhand quantitativer und qualitativer Kriterien beurteilt. Erstens gilt ein Kreditnehmer als ausgefallen, </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn er mit seinen vertraglichen Zahlungen mehr als 90 Tage \u00fcberf\u00e4llig ist. Zweitens gilt ein Kreditnehmer als ausgefallen, </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wenn er die Kriterien der Zahlungsunwahrscheinlichkeit erf\u00fcllt, die darauf hindeuten, dass sich der Kunde in erheblichen </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">finanziellen Schwierigkeiten befindet und es unwahrscheinlich ist, dass er seinen Zahlungsverpflichtungen nachkommt. Allf\u00e4llige <span class=\"f ps24\"> </span></span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorhandene Sicherheiten (Immobilien, Garantien etc.) werden au\u00dferhalb der Restrukturierungseinheiten von Sicherheiten-</span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">experten j\u00e4hrlich sowie bei Bedarf auch ad hoc evaluiert und ausschlie\u00dflich diese ermittelten Werte f\u00fcr Kalkulationen wie etwa </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertberichtigungen herangezogen. Eine Einstufung als Ausfall liegt bei einer Kreditverpflichtung nicht mehr vor, wenn \u2013 nach </span></div><div class=\"ps3801 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einem Zeitraum von mindestens drei Monaten (sechs Monate nach einer notleidenden Restrukturierung im Privatkundenbereich, </span></div><div class=\"ps3802 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sowie 12 Monate nach einer notleidenden Restrukturierung im Non-Retail Segment) \u2013 der Kunde w\u00e4hrend dieses Zeitraums eine </span></div><div class=\"ps3803 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gute Zahlungsdisziplin zeigte und keine weiteren Anhaltspunkte f\u00fcr die hohe Wahrscheinlichkeit der Zahlungsunf\u00e4higkeit </span></div><div class=\"ps3804 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">festgestellt wurden. </span></div><div class=\"ps4198 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum 31.12.2025 belief sich die NPE Ratio der RBI AG auf 2,5 Prozent (31.12.2024: 3,2 Prozent). Die NPE Coverage Ratio betrug 28,5 </span></div><div class=\"ps4199 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent (31.12.2024 50,9 Prozent).</span></div><div class=\"ps2417 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der nachfolgend abgebildete Risikovorsorgespiegel zeigt die Entwicklung von Wertberichtigungen und Vorsorgen aus </span></div><div class=\"ps2418 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">au\u00dferbilanziellen Verpflichtungen im Gesch\u00e4ftsjahr sowie die der Kreditrisikovorsorge zugrunde liegenden Asset Klassen: </span></div><div class=\"ps33650 ss0\"><div class=\"ss942 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:96pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:57pt\"></td></tr><tr style=\"height:45.75pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1574\"><div><div class=\"ps18529 ss860\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4494 ss1575\"><div><div class=\"ps18529 ss182\"><span class=\"f charStyle-1dbd4d87 ps10477\">Stand 1.1.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33569 ss1575\"><div><div class=\"ps18529 ss182\"><span class=\"f charStyle-1dbd4d87 ps21186\">Zuf\u00fchrung<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9788 ss1575\"><div><div class=\"ps18529 ss182\"><span class=\"f charStyle-3e64e966 ps18109\">Aufl\u00f6sung</span><span class=\"f charStyle-cdbbedb5 ps31870\"><sup>2</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8906 ss1575\"><div><div class=\"ps18529 ss182\"><span class=\"f charStyle-3e64e966 ps3173\">Verbrauch</span><span class=\"f charStyle-cdbbedb5 ps33570\"><sup>1</sup></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9345 ss1575\"><div><div class=\"ps18535 ss182\"><span class=\"f charStyle-3e64e966 ps33571\">Umgliederungen, </span></div><div class=\"ps18531 ss182\"><span class=\"f charStyle-3e64e966 ps33572\">W\u00e4hrungsdifferen<span class=\"f ps24\"> </span></span></div><div class=\"ps18529 ss182\"><span class=\"f charStyle-3e64e966 ps17472\">zen</span><span class=\"f charStyle-cdbbedb5 ps33573\"><sup>3</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33575 ss1575\"><div><div class=\"ps18529 ss182\"><span class=\"f charStyle-1dbd4d87 ps33574\">Stand 31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18541 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-1dbd4d87 ps30\">Einzelwertberichtigungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33576 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps1575\">1.120.695<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33577 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps27473\">449.236<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33578 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps19752\">-317.922<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33579 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps8722\">-824.382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33580 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps17136\">-4.267<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33581 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps21231\">423.360<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5531 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33582 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps10792\">319<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33583 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33584 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps17452\">-108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33585 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9368 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33586 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps23725\">211<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5986 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33587 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps1534\">1.025.748<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33588 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps12628\">431.811<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33589 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps411\">-282.527<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33590 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps19569\">-821.608<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33591 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps464\">-5.053<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33592 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps17596\">348.371<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11774 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33593 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps19689\">85.471<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33594 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps17223\">12.263<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33595 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps498\">-29.551<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33596 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps22713\">-2.379<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33597 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps26105\">791<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33598 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps19510\">66.595<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3788 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6ffentlicher Sektor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33599 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps17889\">6.767<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33600 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps25150\">2.140<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33601 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps19592\">-2.758<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33602 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps26250\">-395<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33603 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33604 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps17989\">5.754<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6498 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">Au\u00dferbilanzielle Verpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33605 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps19679\">2.390<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33606 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps17989\">3.022<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33608 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps33607\">-2.978<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8763 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9982 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps1172\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33609 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps17585\">2.429<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8949 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-1dbd4d87 ps30\">Portfolio-Wertberichtigungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33610 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps12846\">108.865<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33611 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps17757\">519.451<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33612 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps86\">-451.456<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps8952 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps20342\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33613 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps4173\">-819<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33614 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps22542\">176.041<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33615 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">Kreditinstitute<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33616 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps17496\">6.869<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33617 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps22187\">3.710<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33618 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps27491\">-9.518<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33619 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33620 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps20272\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33621 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps15110\">1.059<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5479 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">Firmenkunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33622 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7275\">61.294<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33623 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps54\">376.098<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33624 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps13577\">-325.464<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33625 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33626 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps9399\">-553<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33627 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps12619\">111.375<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5437 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">Retail-Kunden<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33628 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps17759\">11.390<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33630 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps33629\">9.664<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33631 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps19592\">-8.787<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8780 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9997 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps20238\">137<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33632 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps503\">12.404<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5903 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">\u00d6ffentlicher Sektor<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33633 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps20150\">218<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33634 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7761\">296<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33635 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps15179\">-305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8972 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33636 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33637 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps10722\">209<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-375ad3a6 ps30\">Au\u00dferbilanzielle Verpflichtungen<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33638 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps28609\">29.094<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33639 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps19579\">129.683<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33640 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps13357\">-107.382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33641 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps18521\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33642 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps22712\">-401<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33643 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-375ad3a6 ps7858\">50.994<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps11897 ss861\"><div><div class=\"ps31 ss860\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33644 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps13489\">1.229.560<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33645 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps21862\">968.687<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33646 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps18634\">-769.378<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33647 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps8722\">-824.382<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33648 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps25288\">-5.086<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33649 ss1542\"><div><div class=\"ps31 ss182\"><span class=\"f charStyle-1dbd4d87 ps32853\">599.401<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4256 ss1330\"><div><div class=\"ps16905 ss942\"><span class=\"f charStyle-2babd150 ps30\">1 Hier sind Unwindingzinsertrag aus wertberichtigten Kunden und Ver\u00e4nderungen von internen Zinsfreistellungen enthalten<span class=\"f ps24\"> </span></span></div><div class=\"ps16907 ss942\"><span class=\"f charStyle-2babd150 ps30\">2 Hier sind Ver\u00e4nderungen interner Zinsfreistellungen enthalten<span class=\"f ps24\"> </span></span></div><div class=\"ps16908 ss942\"><span class=\"f charStyle-2babd150 ps30\">3 Hier sind Umgliederungen von R\u00fcckstellungen und \u00c4nderungen von Kundenkategorien enthalten<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33651 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">L\u00e4nderrisiko<span id=\"iad2eb37f6ea7437f8b621ed9442c66a1\"></span></span></div><div class=\"ps33652 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das L\u00e4nderrisiko umfasst Transfer- und Konvertibilit\u00e4tsrisiken sowie politische Risiken und makro\u00f6konomische Risiken im </span></div><div class=\"ps33653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiteren Sinne, die sich aus grenz\u00fcberschreitenden Gesch\u00e4ften in fremden L\u00e4ndern ergeben. Den Aktivit\u00e4ten in den </span></div><div class=\"ps33654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kernm\u00e4rkten wird dabei besondere Aufmerksamkeit geschenkt.<span class=\"f ps24\"> </span></span></div><div class=\"ps33655 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als Teil eines etablierten Ansatzes \u00fcber alle Einheiten der RBI Gruppe hinweg, wird das aktive L\u00e4nderrisikomanagement der RBI </span></div><div class=\"ps33656 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">AG auf der Grundlage der L\u00e4nderrisikopolitik sichergestellt, die regelm\u00e4\u00dfig vom Vorstand festgelegt und genehmigt wird. Diese </span></div><div class=\"ps33657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Politik ist Teil des Kreditportfolio-Limitsystems und legt eine strikte Begrenzung des grenz\u00fcberschreitenden Risikos gegen\u00fcber </span></div><div class=\"ps33658 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einzelnen L\u00e4ndern fest. Gleichzeitig soll die Politik Anreize f\u00fcr das Eingehen von Risiken innerhalb der Kernm\u00e4rkte der RBI Gruppe <span class=\"f ps24\"> </span></span></div><div class=\"ps33659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">schaffen. Die Grenzwerte f\u00fcr die einzelnen L\u00e4nder werden anhand eines internen Modells festgelegt, das auf den S\u00e4ulen der </span></div><div class=\"ps33660 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalisierung der RBI Gruppe, dem internen L\u00e4nderrating und dem internen L\u00e4nderrisiko-Score, der auf Gr\u00f6\u00dfe und Dynamik </span></div><div class=\"ps33661 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Landes und seines Banksektors basiert. In den letzten Jahren gewannen geopolitische Risiken in der internen Steuerung der </span></div><div class=\"ps33662 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI an Bedeutung und Aufmerksamkeit. </span></div><div class=\"ps33663 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das L\u00e4nderrisiko spiegelt sich auch im internen System der Verrechnungspreise f\u00fcr Mittel in der Produktpreisgestaltung und in </span></div><div class=\"ps33664 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der risikobereinigten Performancemessung wider. Auf diese Weise bietet die Bank den Gesch\u00e4ftseinheiten einen Anreiz, </span></div><div class=\"ps33665 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">L\u00e4nderrisiken abzusichern (z. B. durch die Inanspruchnahme von Versicherungen bei Exportkreditversicherern oder </span></div><div class=\"ps33666 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Garantiegebern in Drittl\u00e4ndern). Die aus der L\u00e4nderrisikoanalyse gewonnenen Erkenntnisse werden nicht nur zur Begrenzung </span></div><div class=\"ps33667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des gesamten grenz\u00fcberschreitenden Engagements verwendet, sondern auch zur Steuerung des gesamten </span></div><div class=\"ps33668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kreditengagements in jedem einzelnen Land (d. h. einschlie\u00dflich des Engagements, das durch lokale Einlagen begr\u00fcndet ist). </span></div><div class=\"ps33669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Damit richtet die RBI AG ihre Gesch\u00e4ftsaktivit\u00e4ten auf die erwartete wirtschaftliche Entwicklung in den verschiedenen M\u00e4rkten </span></div><div class=\"ps33670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus und verbessert die breite Diversifikation ihres Kreditportfolios. </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Kontrahentenausfallsrisiko<span id=\"idebe54ecad4f4228b472401ef2bbb3a9\"></span></span></div><div class=\"ps1433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein Kontrahentenausfall bei Derivat-, Pensions- und Wertpapierleihgesch\u00e4ften kann Verluste durch die Kosten der </span></div><div class=\"ps2275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wiederbeschaffung eines \u00e4quivalenten Kontrakts verursachen. Dieses Risiko wird von der RBI AG durch die </span></div><div class=\"ps2276 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktbewertungsmethode gemessen, die den gegenw\u00e4rtigen Marktwert und einen vordefinierten Puffer f\u00fcr etwaige </span></div><div class=\"ps2277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ver\u00e4nderungen des Forderungswerts in der Zukunft ber\u00fccksichtigt. F\u00fcr die interne Steuerung werden die m\u00f6glichen </span></div><div class=\"ps2278 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Preis\u00e4nderungen, die den fairen Wert dieser Instrumente beeinflussen, je nach Instrumentenkategorie auf Basis der historischen </span></div><div class=\"ps2279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktwertbewegungen ermittelt.</span></div><div class=\"ps33377 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Voraussetzung f\u00fcr den Abschluss von derivativen Kontrakten ist die Einhaltung des Kreditgenehmigungsprozesses, f\u00fcr den die </span></div><div class=\"ps33378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gleichen Risikoklassifizierungs-, -limitierungs- und \u2011\u00fcberwachungsverfahren wie im klassischen Kreditgesch\u00e4ft gelten. Eine </span></div><div class=\"ps33379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentliche Strategie zur Reduktion dieses Risikos stellen Kreditrisikominderungsinstrumente, z. B. Netting und Sicherheiten, </span></div><div class=\"ps25892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dar. Grunds\u00e4tzlich strebt die RBI AG f\u00fcr alle wesentlichen Derivatgesch\u00e4fte mit Marktteilnehmer:innen den Abschluss eines </span></div><div class=\"ps25893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">standardisierten ISDA-Rahmenvertrags f\u00fcr das bilaterale Netting und eines entsprechenden Credit Support Annex (CSA) zur </span></div><div class=\"ps33467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Absicherung der jeweils aktuellen Marktwerte auf t\u00e4glicher Basis an.</span></div><div class=\"ps33671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Beteiligungsrisiko<span id=\"i2634fcf81a4e4f08a04d7d7eea003d77\"></span></span></div><div class=\"ps30915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als Teil des Bankbuchs werden auch die Risiken aus b\u00f6rsenotierten und nicht b\u00f6rsenotierten Beteiligungen verstanden, die </span></div><div class=\"ps30916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesondert unter dieser Risikokategorie ausgewiesen werden. Die Mehrzahl an direkten oder indirekten Beteiligungen der RBI AG </span></div><div class=\"ps30917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird in der Konzernbilanz vollkonsolidiert und deren Risiko somit detailliert erfasst. F\u00fcr die in diesen Beteiligungen entstehenden </span></div><div class=\"ps33672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken kommen daher die in den anderen Risikoarten beschriebenen Steuerungs-, Mess- und \u00dcberwachungsmethoden zum </span></div><div class=\"ps33673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einsatz.</span></div><div class=\"ps33674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dem Beteiligungsrisiko und dem Ausfallrisiko liegen \u00e4hnliche Wurzeln zugrunde: einer Verschlechterung der finanziellen </span></div><div class=\"ps33675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Situation einer Beteiligung folgt meist eine Ratingherabstufung (bzw. der Ausfall) dieser Einheit. Die Berechnung des </span></div><div class=\"ps33676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6konomischen Kapitals f\u00fcr Beteiligungen basiert auf einer Erweiterung des Kreditrisikoansatzes gem\u00e4\u00df Basel III. <span class=\"f ps24\"> </span></span></div><div class=\"ps33677 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beteiligungen der RBI AG werden vom Bereich Group Subsidiaries &amp; Equity Investments verwaltet. Dieser Bereich \u00fcberwacht </span></div><div class=\"ps33678 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Risiken, die sich aus den langfristig orientierten Eigenkapitalbeteiligungen ergeben und verantwortet auch die Ergebnisse, </span></div><div class=\"ps33679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die daraus resultieren. Neuinvestitionen werden nur vom Vorstand der RBI AG auf Basis einer separaten Kaufpr\u00fcfung get\u00e4tigt.</span></div><div class=\"ps33680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Marktrisiko<span id=\"ib52b2d9703c04bb689f9fc2f37e62f9a\"></span></span></div><div class=\"ps33681 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG definiert Marktrisiko als die potenzielle negative Ver\u00e4nderung des Marktpreises der Handels- und </span></div><div class=\"ps33682 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investmentpositionen. Das Marktrisiko wird durch Schwankungen der Wechselkurse, Zinss\u00e4tze, Credit Spreads, Aktienpreise und </span></div><div class=\"ps33683 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Warenpreise sowie anderer relevanter Marktparameter, wie z. B. impliziter Volatilit\u00e4ten, bestimmt.<span class=\"f ps24\"> </span></span></div><div class=\"ps33684 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Marktrisiko der Kundenbereiche wird mittels Transferpreismethode in den Unternehmensbereich Treasury transferiert. </span></div><div class=\"ps33685 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Treasury ist f\u00fcr das Management dieser strukturellen Risiken sowie die Einhaltung der Gesamtbanklimits verantwortlich. Der <span class=\"f ps24\"> </span></span></div><div class=\"ps12157 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensbereich Capital Markets umfasst den Eigenhandel, das Market Making und das Kundengesch\u00e4ft mit Geld- und </span></div><div class=\"ps12158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kapitalmarktprodukten.</span></div><div class=\"ps33687 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Organisation des Marktrisikomanagements<span id=\"ie898d0e00cf047b9bd151f9d8a6afb04\"></span></span></div><div class=\"ps33688 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG misst, \u00fcberwacht und steuert alle Marktrisiken auf Gesamtbankebene.</span></div><div class=\"ps33689 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Aufgabe des strategischen Marktrisikomanagements wird durch das Marktrisiko Komitee wahrgenommen, das f\u00fcr das </span></div><div class=\"ps33690 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management und die Steuerung aller Marktrisiken verantwortlich ist. Das Gesamtbanklimit wird unter Ber\u00fccksichtigung der </span></div><div class=\"ps33691 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikotragf\u00e4higkeit und des Ertragsbudgets vom Gesamtvorstand festgelegt. Die Aufteilung dieses Limits auf Sublimits erfolgt </span></div><div class=\"ps33692 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">abgestimmt mit den jeweiligen Unternehmensbereichen je nach Strategie, Gesch\u00e4ftsmodell und Risikoappetit. Die Abteilung <span class=\"f ps24\"> </span></span></div><div class=\"ps33693 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Market Risk Management stellt sicher, dass der Gesch\u00e4fts- und Produktumfang innerhalb der definierten und beschlossenen <span class=\"f ps24\"> </span></span></div><div class=\"ps33694 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Strategie und des Risikoappetits liegen. Sie ist verantwortlich f\u00fcr die Entwicklung und Weiterentwicklung der <span class=\"f ps24\"> </span></span></div><div class=\"ps33695 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagement-Prozesse, Regelwerke, Messmethoden, Risikomanagement-Infrastruktur und -Systeme f\u00fcr alle </span></div><div class=\"ps33696 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisikokategorien und f\u00fcr marktrisikoinduzierte Kreditrisiken des Derivatgesch\u00e4fts. Weiters wird durch diese Abteilung die </span></div><div class=\"ps33697 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">t\u00e4gliche unabh\u00e4ngige Messung und das Reporting aller Marktrisiken durchgef\u00fchrt.</span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Alle Produkte, in denen offene Positionen gehalten werden, sind im Produktkatalog festgelegt. Neue Produkte werden in diese </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liste erst dann aufgenommen, wenn sie den Produkteinf\u00fchrungsprozess erfolgreich durchlaufen haben. Produktantr\u00e4ge </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden einer gesamthaften Risikoanalyse unterworfen und nur genehmigt, wenn die Abbildbarkeit in den Front- und Back-</span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Office- bzw. Risikomanagement-Systemen der Bank gew\u00e4hrleistet ist.<span class=\"f ps24\"> </span></span></div><div class=\"ps33699 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Limitsystem<span id=\"ie7c5c1c056de44b7b41e2c4e5bcb69f5\"></span></span></div><div class=\"ps2182 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG verfolgt einen umfassenden Risikomanagement-Ansatz f\u00fcr Handels- und Bankb\u00fccher (Total Return-Ansatz). Die </span></div><div class=\"ps2183 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung der Marktrisiken wird konsistent auf alle Handels- und Bankb\u00fccher angewendet. Die folgenden Gr\u00f6\u00dfen werden im </span></div><div class=\"ps1398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisikomanagement-System auf t\u00e4glicher Basis gemessen und limitiert:</span></div><div class=\"ps2185 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Value-At-Risk (VAR) Konfidenzintervall 99 Prozent</span></div><div class=\"ps2188 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Der VaR ist das Hauptsteuerungsinstrument f\u00fcr Marktrisiken in liquiden M\u00e4rkten und normalen Marktsituationen. Es </span></div><div class=\"ps2189 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">werden zwei unterschiedliche Berechnungsmethoden je nach Steering Ansatz verwendet. Die Konsistenz zwischen </span></div><div class=\"ps2192 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">P&amp;L und Risikoziffern ist parallel zum \u00f6konomischen Umfang der RBI AG notwendig, um eine umfassende Steuerung </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">zu gew\u00e4hrleisten. F\u00fcr das Gesamtportfolio inklusive des Bankbuches wird ein Modell verwendet, welches auf einer </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">historischen Simulation beruht, und f\u00fcr die l\u00e4ngerfristige Steuerung der Marktrisiken aus den Bankb\u00fcchern geeignet </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">ist (Modell ALL, Konfidenzintervall 99 Prozent, Horizont 20 Tage). Die Berechnung basiert auf \u00fcberlappenden 20-</span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Tagesreturns der letzten 7 Jahre und wird auch f\u00fcr die Allokation des \u00d6konomischen Kapitals verwendet. F\u00fcr alle </span></div><div class=\"ps32449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Markrisiken mit unmittelbarer Auswirkung auf die Erfolgsrechnung wird ein Modell angewendet, welches die </span></div><div class=\"ps4829 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">kurzfristige Volatilit\u00e4t gut prognostiziert (Modell IFRS-P&amp;L, Konfidenzintervall 99 Prozent, Horizont 1 Tag). Dieser <span class=\"f ps24\"> </span></span></div><div class=\"ps4830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Modellansatz ist von der \u00f6sterreichischen Finanzmarktaufsicht als internes Modell f\u00fcr die Messung des </span></div><div class=\"ps4831 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Eigenmittelerfordernisses f\u00fcr Marktrisiken f\u00fcr das Handelsbuch der RBI AG zugelassen. Beide Modelle berechnen </span></div><div class=\"ps4832 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Value-At-Risk Kennzahlen f\u00fcr die Ver\u00e4nderungen der Risikofaktoren Fremdw\u00e4hrungen, Zinsentwicklung, Credit </span></div><div class=\"ps4833 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Spreads, implizite Volatilit\u00e4t, Aktienindizes und Basis Spreads.<span class=\"f ps24\"> </span></span></div><div class=\"ps33700 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Sensitivit\u00e4ten (gegen\u00fcber \u00c4nderungen in W\u00e4hrungskursen und Zinss\u00e4tzen, Gamma, Vega, Aktien- und Warenpreisen) </span></div><div class=\"ps33701 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Sensitivit\u00e4tslimits sollen Konzentrationen in normalen Marktsituationen vermeiden und sind das </span></div><div class=\"ps33702 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Hauptsteuerungsinstrument in Stresssituationen oder in illiquiden beziehungsweise strukturell schwierig zu </span></div><div class=\"ps33703 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">messenden M\u00e4rkten.</span></div><div class=\"ps33704 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Stop Loss<span class=\"f ps24\"> </span></span></div><div class=\"ps33705 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">Dieses Limit unterst\u00fctzt die Disziplin der H\u00e4ndler im Management von Eigenpositionen, m\u00f6gliche Verluste nicht </span></div><div class=\"ps33706 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps2253\">unlimitiert zu lassen, sondern eng zu begrenzen.<span class=\"f ps24\"> </span></span></div><div class=\"ps19124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses mehrstufige Limitsystem wird durch ein umfangreiches Stresstesting-Konzept erg\u00e4nzt, in dem die potenziellen </span></div><div class=\"ps19127 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wertver\u00e4nderungen des Gesamtportfolios bei Anwendung verschiedener Szenarien ermittelt werden. Risikokonzentrationen, </span></div><div class=\"ps30851 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die durch diese Stresstests offenbar werden, werden im Marktrisiko Komitee berichtet und in der Limitvergabe ber\u00fccksichtigt. </span></div><div class=\"ps30852 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stresstest-Berichte je Portfolio sind Teil des t\u00e4glichen Marktrisiko-Reportings.</span></div><div class=\"ps33707 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Value-at-Risk und hypothetische Marktwertver\u00e4nderungen f\u00fcr das <span id=\"ib04ad3b21a49473caac3ba60ad2f96e2\"></span></span></div><div class=\"ps33708 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Handelsbuch</span></div><div class=\"ps33709 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nachstehende Tabellen stellen die Risikokennzahlen (VaR ALL 99 Prozent, 20 Tage sowie VaR IFRS-P&amp;L 99 Prozent, 1 Tag) f\u00fcr das </span></div><div class=\"ps33710 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko der Handelsb\u00fccher je Risikoart dar, w\u00e4hrend f\u00fcr das Bankbuch das Gesamtrisiko dargestellt wird. Das Modell IFRS-</span></div><div class=\"ps33711 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">P&amp;L zielt auf die Messung kurzfristiger Marktschwankungen ab, w\u00e4hrend sich das Modell ALL auf die Messung struktureller </span></div><div class=\"ps33712 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsrisiken konzentriert. Die strukturellen Kapitalpositionen, die strukturellen Zinsrisiken vor allem in Euro, sowie Spread-Risiken <span class=\"f ps24\"> </span></span></div><div class=\"ps33713 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aus Anleiheb\u00fcchern, die als Liquidit\u00e4tspuffer gehalten werden, dominieren den VaR der RBI AG. </span></div><div class=\"ps33715 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:141.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">Modell IFRS-P&amp;L Handelsbuch VaR (99%, 1d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps6710\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps33714\">Durchschnitts-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26696\">Minimum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps31549\">Maximum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps6710\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24161 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20180\">505<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18697\">616<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps19932\">99<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20222\">1532<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22140\">392<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps27479\">2.085<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18813\">1.611<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18686\">883<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18495\">2408<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23277\">895<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Credit-Spread-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24163 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18503\">2.719<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22188\">1.914<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18508\">621<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20291\">3102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1133\">734<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-ca7bbde0 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps17424\">2.078<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps18118\">1.753<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps17149\">944<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps11260\">2.617<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-ca7bbde0 ps18467\">1.025<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:141.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">Modell IFRS-P&amp;L Gesamt VaR (99%, 1d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps6710\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps33714\">Durchschnitts-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps26696\">Minimum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps31549\">Maximum-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps6710\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps22272 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps264 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24161 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23039\">1.742<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps5934\">2.994<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23238\">1.514<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17449\">7.493<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26455\">1.928<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiken<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24162 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10479\">2.046<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18379\">2.160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22188\">1.149<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17979\">7.202<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17518\">1.545<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Credit-Spread-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24163 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17449\">2.833<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20978\">2.291<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18517\">1.341<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps26336\">4.154<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18504\">1.893<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24164 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps19194\">2.962<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps8920\">4.305<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4171\">2.466<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps5934\">8.891<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26880\">3.352<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4716 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:141.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:24pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1576\"><div><div class=\"ps20846 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">Modell ALL VaR (99%, 20d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps22271 ss1577\"><div><div class=\"ps20846 ss129\"><span class=\"f charStyle-1dbd4d87 ps6710\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1577\"><div><div class=\"ps20846 ss129\"><span class=\"f charStyle-1dbd4d87 ps33714\">Durchschnitts-VaR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss1577\"><div><div class=\"ps20846 ss129\"><span class=\"f charStyle-3e64e966 ps26696\">Minimum-VaR</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1577\"><div><div class=\"ps20846 ss129\"><span class=\"f charStyle-3e64e966 ps31549\">Maximum-VaR</span></div></div></div></td><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss1577\"><div><div class=\"ps20846 ss129\"><span class=\"f charStyle-1dbd4d87 ps6710\">VaR per<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3782 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps33717 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps33718 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18367 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">\u00d6konomisches Kapital ALL<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33719 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps24677\">80.616<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33720 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps25148\">62.802<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10714 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4161\">26.102<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33721 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps23242\">94.517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33722 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17672\">43.405<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps18369 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-3e64e966 ps30\">Gesamt ALL (Risikokategorien)</span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18371 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">W\u00e4hrungsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33723 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17504\">4.728<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33724 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18735\">3.622<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33725 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20230\">946<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33726 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17798\">94.517<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33727 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21387\">5.246<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16097 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Zinsrisiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33728 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20171\">70.851<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33729 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17895\">55.301<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33730 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17794\">14.372<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16110 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps24658\">85.867<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17501\">36.681<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6384 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-375ad3a6 ps30\">Credit-Spread-Risiko<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33731 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18385\">38.581<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33732 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17895\">33.136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33733 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18488\">17.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33734 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4179\">48.384<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33735 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22392\">21.298<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4592 ss1255\"><div><div class=\"ps31 ss1254\"><span class=\"f charStyle-1dbd4d87 ps30\">Bankbuch (99%, 20d)<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;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\"></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\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11822 ss1578\"><div><div class=\"ps5730 ss1254\"><span class=\"f charStyle-6d404c82 ps30\">Zinsrisiko im Bankbuch</span><span class=\"f charStyle-ef1a5293 ps33736\"><sup>1</sup></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33737 ss1563\"><div><div class=\"ps5730 ss129\"><span class=\"f charStyle-375ad3a6 ps17901\">67.153<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33738 ss1563\"><div><div class=\"ps5730 ss129\"><span class=\"f charStyle-375ad3a6 ps17557\">61.446<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33739 ss1563\"><div><div class=\"ps5730 ss129\"><span class=\"f charStyle-375ad3a6 ps17894\">17.239<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33740 ss1563\"><div><div class=\"ps5730 ss129\"><span class=\"f charStyle-375ad3a6 ps17686\">81.965<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33741 ss1563\"><div><div class=\"ps5730 ss129\"><span class=\"f charStyle-375ad3a6 ps26679\">50.180<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"6\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss289\"><div><div class=\"ps877 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Adaptierung des Vorjahreswertes aufgrund Methoden\u00e4nderung<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33742 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die verwendeten Risikomessmethoden werden \u2013 neben qualitativen Analysen der Profitabilit\u00e4t \u2013 laufend durch Backtesting und </span></div><div class=\"ps33743 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">statistische Validierungsverfahren \u00fcberwacht und, falls Modellierungsschw\u00e4chen festgestellt werden, adaptiert. Im Berichtsjahr </span></div><div class=\"ps33744 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 gab es eine hypothetische Backtesting-\u00dcberschreitung aufgrund erh\u00f6hter Marktvolatilit\u00e4t und starker Zinsbewegungen. </span></div><div class=\"ps33745 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Grafik stellt den VAR den hypothetischen Gewinnen und Verlusten auf t\u00e4glicher Basis gegen\u00fcber. Der VAR stellt </span></div><div class=\"ps33746 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den maximalen Verlust dar, der mit einem Konfidenzintervall von 99 Prozent binnen eines Tages nicht \u00fcberschritten wird. Er </span></div><div class=\"ps33747 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird dem jeweiligen hypothetischen Gewinn oder Verlust gegen\u00fcbergestellt, der am darauffolgenden Tag aufgrund der dann </span></div><div class=\"ps33748 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">tats\u00e4chlich eingetretenen Marktbewegungen eintreten w\u00fcrde. <span class=\"f ps24\"> </span></span></div><div class=\"ps33749 ss0\"><div class=\"ps519\"><div class=\"ps12\"><img alt=\"1407\" id=\"i-31\" 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\" style=\"height:271.5pt;width:439.37pt\"/></div></div></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Zinsrisiken im Handelsbuch<span id=\"id1599aefbb9d40279ac464207b26ad36\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die folgende Tabelle zeigt die gr\u00f6\u00dften Barwertver\u00e4nderungen des Handelsbuchs bei einer parallelen Zinserh\u00f6hung um einen </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basispunkt (getrennt f\u00fcr wesentliche W\u00e4hrungen). Die Handelsbuch Strategie ist weitgehend unver\u00e4ndert. Die gezeigten </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Sensitivit\u00e4ten des Handelsbuchs werden als Gesamtposition der einzelnen Knoten berechnet, ohne Ber\u00fccksichtigung der <span class=\"f ps24\"> </span></span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Positionen des Bankbuchs. </span></div><div class=\"ps33854 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1579\"><div><div class=\"ps12526 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1580\"><div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33751 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18025\">-32<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33752 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33753 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33754 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33755 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps57 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33756 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33757 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33758 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33759 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29170 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33760 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps6299\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33761 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33762 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33763 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33764 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps70 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33765 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21821 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33766 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22899 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33767 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33768 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21194\">-28<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33769 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33770 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33771 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33772 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33773 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33774 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps20960\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33775 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22903 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33776 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33777 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9416\">-1174<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33779 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps33778\">86<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33780 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps22274\">-74<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33781 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33782 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps3132\">46<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps96 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1939\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33784 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps33783\">-101<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33785 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps29414\">-400<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33786 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27018\">-311<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22907 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps547\">-392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33787 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33788 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33789 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33790 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33791 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33792 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33793 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33794 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33795 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22912 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33796 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33797 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8719\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33798 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33799 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33800 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33801 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33802 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33803 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33804 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22916 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33805 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">NOK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33806 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33807 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33808 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33809 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33810 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps133 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33811 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33812 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33813 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22920 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33814 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33815 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33816 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33817 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33818 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33819 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11171\">17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps146 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33820 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33821 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25195 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22925 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33822 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33823 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33824 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33826 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33828 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33829 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25197 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22930 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33831 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33832 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33834 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33835 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3900 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps164 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33836 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25200 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22935 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33838 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33839 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8904\">-25<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33840 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12853\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33842 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27162\">-15<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3901 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps176 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33844 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25828\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25202 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22939 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12853\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33845 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33846 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33847 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33849 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3902 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33851 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33852 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22943 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33853 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33855 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1579\"><div><div class=\"ps12526 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1580\"><div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33751 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33752 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33753 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33754 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33755 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps57 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33756 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33757 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33758 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33759 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29170 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33760 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1564\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33761 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33762 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33763 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33764 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps70 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33765 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21821 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33766 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22899 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33767 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33768 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33769 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33770 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33771 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1676\">-10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33772 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33773 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33774 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33775 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22903 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33776 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33777 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps9379\">21<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33779 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8144\">13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33780 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33781 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33782 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps16667\">-20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps96 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">16<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33784 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps8145\">14<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33785 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11249\">-27<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33786 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2038\">80<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22907 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps6976\">-52<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33787 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27138\">-26<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27140\">16<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33788 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33789 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33790 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33791 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33792 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33793 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33794 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33795 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22912 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33796 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33797 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps15654\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33798 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33799 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33800 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33801 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12853\">10<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33802 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33803 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33804 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22916 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33805 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">NOK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33806 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps1640\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33807 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33808 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33809 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33810 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps133 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33811 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33812 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33813 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22920 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33814 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33815 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10364\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33816 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33817 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33818 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33819 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps146 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33820 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33821 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25195 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22925 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33822 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RON<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33823 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21184\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33824 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33826 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33828 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33829 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25197 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22930 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33831 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">RUB<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33832 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33834 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33835 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3900 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps164 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33836 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25200 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22935 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33838 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps171 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33839 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21247\">-41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33840 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33841 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33842 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3901 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps176 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11330\">-18<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33843 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33844 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25202 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22939 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33845 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29212 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7203\">6<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps183 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33846 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18600\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33847 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33848 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33849 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3902 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33850 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33851 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27168\">135<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33852 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22943 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33853 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29214 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33856 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Zinsrisiken im Bankbuch<span id=\"ia01510f7ccb04b21aed8b3f71ce59906\"></span></span></div><div class=\"ps33857 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unterschiedliche Laufzeiten und Zinsanpassungskonditionen der angebotenen Produkte f\u00fchren gemeinsam mit der </span></div><div class=\"ps33858 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Refinanzierung durch Kundeneinlagen sowie \u00fcber die Geld- und Kapitalm\u00e4rkte in der RBI AG zu Zins\u00e4nderungsrisiken. Diese </span></div><div class=\"ps33859 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">entstehen vorwiegend durch den nicht vollst\u00e4ndigen Ausgleich der Zinssensitivit\u00e4t von erwarteten Zahlungen, deren </span></div><div class=\"ps33860 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsanpassungsrhythmen und anderer optionaler Ausstattungsmerkmale. Zinsrisiken im Bankbuch bestehen dabei in den <span class=\"f ps24\"> </span></span></div><div class=\"ps33861 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hauptw\u00e4hrungen Euro und US-Dollar.</span></div><div class=\"ps33862 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dieses Risiko wird grunds\u00e4tzlich durch eine Kombination von bilanziellen und au\u00dferbilanziellen Gesch\u00e4ften abgesichert, wobei </span></div><div class=\"ps33863 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vorwiegend Zinsswaps und \u2013 in geringerem Ausma\u00df \u2013 Zinstermingesch\u00e4fte und Zinsoptionen zum Einsatz kommen. Das </span></div><div class=\"ps33864 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzstrukturmanagement ist eine Kernaufgabe des Bereichs Treasury, der dabei vom Group Asset/Liability Komitee </span></div><div class=\"ps33865 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterst\u00fctzt wird. Dieses st\u00fctzt sich dabei auf Szenarien und Analysen zur Simulation des Zinsertrags, um eine optimale </span></div><div class=\"ps33866 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Positionierung im Einklang mit der Zinsmeinung und im Rahmen des Risikoappetits zu gew\u00e4hrleisten. F\u00fcr die Quantifizierung </span></div><div class=\"ps33867 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Zins\u00e4nderungsrisikos im Bankbuch kommen neben der Value-at-Risk-Berechnung auch klassische Methoden der Kapital- <span class=\"f ps24\"> </span></span></div><div class=\"ps33868 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und Zinsbindungsanalyse zur Anwendung. Die Barwertver\u00e4nderung des Bankbuchs bei einer parallelen Zinserh\u00f6hung um einen </span></div><div class=\"ps33869 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basispunkt wird getrennt f\u00fcr wesentliche W\u00e4hrungen in folgender Tabelle dargestellt.</span></div><div class=\"ps4716 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1579\"><div><div class=\"ps12526 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1580\"><div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33751 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11329\">-31<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33752 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33753 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33754 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33755 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps57 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33756 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33757 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33758 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33759 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29170 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33760 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10630\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33761 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33762 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33763 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33764 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps70 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33765 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21821 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33766 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22899 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33767 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33768 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33769 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33770 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33771 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33772 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33773 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33774 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33775 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22903 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33776 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33777 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps12461\">-976<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33779 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps18081\">51<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33780 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2094\">-75<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33781 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33782 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5370\">24<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps96 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33784 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27164\">-160<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33785 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11115\">-201<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33786 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11259\">-367<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22907 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1878\">-209<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33787 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2014\">-23<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33788 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33789 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33790 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33791 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33792 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33793 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33794 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33795 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22912 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33796 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33797 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33798 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33799 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33800 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33801 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33802 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33803 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33804 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22916 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33805 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33806 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps7007\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33807 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33808 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33809 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33810 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps133 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33811 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33812 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33813 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22920 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33814 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">SGD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33815 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33816 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33817 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33818 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33819 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps146 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33820 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33821 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25195 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22925 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33822 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33823 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21231\">7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33824 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10491\">11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33826 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33828 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33829 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25197 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22930 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33831 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps158 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps33832 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps33833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps33834 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps33835 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3900 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps164 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps33836 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps33837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps25200 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22935 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps33838 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps29210 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33871 ss0\"><div class=\"ss309 ws0 ps519\"><div><table style=\"border-collapse: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:39pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td><td style=\"padding:0;width:28.5pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24186 ss1579\"><div><div class=\"ps12526 ss190\"><span class=\"f charStyle-1dbd4d87 ps27009\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22357 ss1580\"><div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3815\">Bis 3 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27010 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps9435\">6 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27012 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps21294\">&gt; 6 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27011\">12 M<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3891 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27013\">&gt; 1 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27014\">2 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps37 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27015\">&gt; 2 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps8741\">3 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27016 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1843\">&gt; 3 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1664\">5 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10674 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27017\">&gt; 5 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps11274\">7 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps9573 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3321\">&gt; 7 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps1184\">10 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22745 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16304\">&gt; 10 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27018\">15 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1991 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps16191\">&gt; 15 bis <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps7911\">20 J<span class=\"f ps24\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps27020 ss1580\"><div><div class=\"ps12528 ss1474\"><span class=\"f charStyle-1dbd4d87 ps27019\">Mehr <span class=\"f ps24\"> </span></span></div><div class=\"ps12526 ss1474\"><span class=\"f charStyle-1dbd4d87 ps3177\">als 20 J</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CHF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33751 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21249\">-49<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33752 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25828\">-17<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33753 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33754 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33755 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps57 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33756 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps7593\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33757 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33758 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22894 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps33759 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps29170 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CNY<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33760 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10630\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33761 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33762 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33763 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33764 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps70 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33765 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21821 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33766 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22899 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33767 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29174 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">CZK<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33768 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps11329\">-13<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33769 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33770 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33771 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33772 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps83 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33773 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33774 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11418\">-7<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33775 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12503\">4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22903 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33776 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29178 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">EUR<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33777 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps5973\">-333<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33779 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27137\">144<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33780 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5369\">20<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33781 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11285\">118<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33782 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps96 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps28422\">43<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33784 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps547\">-392<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33785 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps2046\">-108<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33786 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps33778\">89<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22907 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps25748\">-119<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33787 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps26168\">-136<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29182 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11171\">17<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">GBP<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33788 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21182\">-9<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33789 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33790 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33791 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33792 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps108 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33793 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33794 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33795 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22912 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33796 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29186 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps115 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">HUF<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33797 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps21185\">-11<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33798 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33799 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33800 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33801 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps13259\">1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps121 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33802 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps21197\">-6<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33803 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33804 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22916 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33805 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29188 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps127 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">PLN<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33806 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10630\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33807 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33808 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33809 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33810 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps133 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33811 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33812 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33813 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22920 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33814 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29193 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps140 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">SGD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33815 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps10801\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33816 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33817 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33818 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33819 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps146 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33820 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33821 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25195 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22925 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33822 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29196 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps151 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">USD<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33823 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps18600\">-8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33824 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps11478\">8<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33825 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps27055\">-12<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33826 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1441\">-3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33827 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps12891\">-5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33828 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1832\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33829 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33830 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25197 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22930 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33831 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29199 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps158 ss293\"><div><div class=\"ps31 ss292\"><span class=\"f charStyle-375ad3a6 ps30\">Sonstige<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33832 ss900\"><div><div class=\"ps31 ss190\"><span class=\"f charStyle-375ad3a6 ps8518\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33833 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33834 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33835 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3900 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10141\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps164 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5337\">-4<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33836 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps10100\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33837 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps25200 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22935 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps5186\">-1<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps33838 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps17247\">-2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps29210 ss1476\"><div><div class=\"ps31 ss1474\"><span class=\"f charStyle-375ad3a6 ps1454\">0<span class=\"f ps24\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Credit Spread Risiken<span id=\"i1b651fba86ec47af9eecab96e2a2532e\"></span></span></div><div class=\"ps33873 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Marktrisikosteuerungssystem ber\u00fccksichtigt zeitabh\u00e4ngige Anleihe- und CDS-Spread-Kurven als Risikofaktoren f\u00fcr die </span></div><div class=\"ps33874 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ermittlung von Credit-Spread-Risiken. Umfasst sind alle Kapitalmarktinstrumente des Handels- und Bankbuchs. </span></div><div class=\"ps33875 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Liquidit\u00e4tsmanagement<span id=\"i76b69fa980ff423a912fb7290b6300f1\"></span></span></div><div class=\"ps33876 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Grunds\u00e4tze<span id=\"i1654d0186e614547b28389fb874ef33c\"></span></span></div><div class=\"ps33877 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das interne Liquidit\u00e4tsmanagement stellt einen wesentlichen Gesch\u00e4ftsprozess innerhalb der allgemeinen Banksteuerung dar, </span></div><div class=\"ps33878 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">da es die kontinuierliche Verf\u00fcgbarkeit von Mitteln sicherstellt, die zur Deckung von Forderungen im Tagesgesch\u00e4ft ben\u00f6tigt </span></div><div class=\"ps33879 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden.</span></div><div class=\"ps33880 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Liquidit\u00e4ts-Ad\u00e4quanz wird sowohl aus \u00f6konomischer als auch aus regulatorischer Sicht gew\u00e4hrleistet. Im Hinblick auf die <span class=\"f ps24\"> </span></span></div><div class=\"ps33881 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6konomische Dimension hat die RBI AG ein Governance-Rahmenwerk festgelegt, das interne Grenzwerte und </span></div><div class=\"ps33882 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerungsma\u00dfnahmen umfasst und den vom Basler Ausschuss f\u00fcr Bankenaufsicht festgelegten Grunds\u00e4tzen f\u00fcr eine solide </span></div><div class=\"ps33883 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung und \u00dcberwachung des Liquidit\u00e4tsrisikos (Principles for Sound Liquidity Risk Management and Supervision) sowie der </span></div><div class=\"ps33884 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">von der \u00f6sterreichischen Regulierungsbeh\u00f6rde ausgegebenen Kreditinstitute-Risikomanagement-Verordnung (KI-RMV) folgt.</span></div><div class=\"ps33885 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die regulatorische Komponente wird sowohl durch die Einhaltung der Berichterstattungsanforderungen im Rahmen von Basel III </span></div><div class=\"ps33886 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Mindestliquidit\u00e4tsquote bzw. Liquidity Coverage Ratio, strukturelle Liquidit\u00e4tsquote bzw. Net Stable Funding Ratio und </span></div><div class=\"ps33887 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zus\u00e4tzliche Kennzahlen zur Liquidit\u00e4ts\u00fcberwachung bzw. Additional Liquidity Monitoring Metrics) als auch durch die Einhaltung </span></div><div class=\"ps33888 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der regulatorischen Grenzwerte abgedeckt.</span></div><div class=\"ps33889 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Liquidit\u00e4tsrisikomanagement w\u00e4hrend des Kriegs in der Ukraine<span id=\"ie2b7456479dd4610b4b8f79d1c6f76f9\"></span></span></div><div class=\"ps33890 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Trotz des andauernden Krieges in der Ukraine und der intensiven Medienberichterstattung blieb die Liquidit\u00e4tsposition im </span></div><div class=\"ps33891 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsjahr stabil. </span></div><div class=\"ps33892 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das ILAAP-Rahmenwerk und die Governance erwiesen sich erneut als solide und funktionieren auch in Krisenzeiten. Die t\u00e4gliche </span></div><div class=\"ps33893 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcberwachung der Liquidit\u00e4tsposition mit Hilfe von dynamischen Dashboards zeigte, dass die Infrastruktur und \u00dcberwachung </span></div><div class=\"ps33894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">effektiv sind und schnelle Reaktionen in Krisenzeiten unterst\u00fctzen.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Organisation und Verantwortung <span id=\"iac26711152c8452fa995be54bb2754fe\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verantwortung zur Gew\u00e4hrleistung einer angemessenen Liquidit\u00e4tsausstattung obliegt dem gesamten Vorstand. In ihrer </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Funktion verantwortlich sind der Chief Financial Officer (Treasury) und der Chief Risk Officer (Risk Controlling). Entsprechend </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden die Prozesse im Hinblick auf das Liquidit\u00e4tsrisiko im Wesentlichen von zwei Bereichen innerhalb der Bank ausgef\u00fchrt: </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einerseits steuert Treasury die Liquidit\u00e4tsrisikoposition innerhalb der von Entscheidungsgremien festgelegten Strategie, </span></div><div class=\"ps902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Richtlinie und Parameter, andererseits wird dieses von der unabh\u00e4ngigen Einheit des Bereichs Risk Controlling \u00fcberwacht und </span></div><div class=\"ps903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unterst\u00fctzt. Die Risikoeinheiten messen und modellieren Liquidit\u00e4tsrisikopositionen, legen Limits fest und kontrollieren deren </span></div><div class=\"ps904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einhaltung. </span></div><div class=\"ps1399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Neben den beschriebenen Linienfunktionen fungiert das Aktiv-/Passiv-Managementkomitee (Asset/Liability Management <span class=\"f ps24\"> </span></span></div><div class=\"ps1400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Committee, ALCO) als Entscheidungsgremium im Hinblick auf alle Angelegenheiten, die sich auf das Management der </span></div><div class=\"ps1401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsposition und der Bilanzstruktur der RBI AG auswirkt, einschlie\u00dflich der Festlegung von Strategien und Richtlinien zur </span></div><div class=\"ps1404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Behandlung von Liquidit\u00e4tsrisiken. Das ALCO f\u00e4llt Entscheidungen und berichtet den jeweiligen Vorst\u00e4nden mindestens </span></div><div class=\"ps2668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">monatlich mittels standardisierter Liquidit\u00e4tsrisikoberichte. </span></div><div class=\"ps33896 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Liquidit\u00e4tsstrategie<span id=\"i92ec0841fd354552884f1780553f745f\"></span></span></div><div class=\"ps33897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Treasury ist zur Einhaltung bestimmter Performance-Kennzahlen und risikobasierter Grunds\u00e4tze verpflichtet. Die aktuellen </span></div><div class=\"ps33898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Performance-Kennzahlen umfassen allgemeine Ziele, z. B. f\u00fcr die Rendite auf das risikoadjustierte Kapital (Return on Risk </span></div><div class=\"ps33899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Adjusted Capital, RoRAC) oder Deckungsbeitr\u00e4ge. Dazu kommen spezifische Treasury-Ziele zur Liquidit\u00e4t wie eine </span></div><div class=\"ps33900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mindest\u00fcberlebensdauer in definierten Stressszenarien oder Mindestliquidit\u00e4tsziele in regulatorischen Kennzahlen. Neben der </span></div><div class=\"ps33901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erwirtschaftung eines Strukturbeitrags mittels Fristentransformation, die das von der Bank eingegangene Liquidit\u00e4ts- und </span></div><div class=\"ps33902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktrisiko widerspiegelt, hat Treasury bei der Bilanzsteuerung eine umsichtige und nachhaltige Risikopolitik zu verfolgen. Zu </span></div><div class=\"ps33903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den strategischen Zielen z\u00e4hlen eine Verringerung des Fundings der Muttergesellschaft an die Konzernt\u00f6chter, eine nachhaltige </span></div><div class=\"ps33904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Steuerung der Einlegerbasis und des Kreditwachstums sowie eine durchgehende Einhaltung der regulatorischen Anforderungen </span></div><div class=\"ps33905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und internen Vorgaben und Limits.</span></div><div class=\"ps33906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Liquidity Risk Framework<span id=\"i5c79d1e278174274a6298d8ffa195dd9\"></span></span></div><div class=\"ps33907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Auf Grundlage von bestimmten Modellannahmen werden regulatorische und interne Liquidit\u00e4tsberichte und -quoten erstellt </span></div><div class=\"ps33908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und festgelegt. W\u00e4hrend die regulatorischen Berichte gem\u00e4\u00df den Vorgaben der Beh\u00f6rden erstellt werden, gr\u00fcnden sich die </span></div><div class=\"ps33909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Berichte auf Annahmen anhand von empirischen Beobachtungen.</span></div><div class=\"ps33910 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG verf\u00fcgt \u00fcber eine solide Datenbasis sowie Expertenwissen zur Vorhersage von Kapitalfl\u00fcssen, die sich aus allen <span class=\"f ps24\"> </span></span></div><div class=\"ps33911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Bilanzposten und au\u00dferbilanziellen Positionen ergeben. Die Modellierung von Liquidit\u00e4tszu- und -abfl\u00fcssen erfolgt <span class=\"f ps24\"> </span></span></div><div class=\"ps33912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in einer angemessen detaillierten Art und Weise, wobei zumindest zwischen Produkten, Kundensegmenten sowie </span></div><div class=\"ps33913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gegebenenfalls W\u00e4hrungen unterschieden wird. In die Modellierung der Kundeneinlagen flie\u00dfen Annahmen bez\u00fcglich der </span></div><div class=\"ps33914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verweildauer der Einlagen nach Laufzeitende ein. Die Modellannahmen sind umsichtig, so dass beispielsweise nicht von einem </span></div><div class=\"ps33915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rollover der Einlagen von Finanzinstituten ausgegangen wird und alle Finanzierungskan\u00e4le sowie der Liquidit\u00e4tspuffer </span></div><div class=\"ps33916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gleichzeitig gestresst werden.</span></div><div class=\"ps33917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Eckpfeiler des internen Liquidity Risk Frameworks sind das Going Concern (GC) und das Time to Wall Szenario (TTW). Der </span></div><div class=\"ps33918 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Going Concern Bericht weist die strukturelle Liquidit\u00e4tsposition aus und deckt dabei alle wesentlichen Risikotreiber ab, welche </span></div><div class=\"ps33919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die RBI AG in einem normalen Gesch\u00e4ftsumfeld (business as usual) belasten k\u00f6nnten. Die Going Concern Modelle sind wichtige </span></div><div class=\"ps33920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inputfaktoren f\u00fcr den Kostenbeitrag f\u00fcr den Transfer von Mitteln innerhalb der Bank (Funds Transfer Pricing Model). Der Time </span></div><div class=\"ps24547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">to Wall Bericht wiederum zeigt die \u00dcberlebensdauer unter bestimmten nachteiligen Szenarien und Stressannahmen (Markt-, </span></div><div class=\"ps24548 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Namens- und kombinierte Krise) auf und legt die Mindesth\u00f6he des Liquidit\u00e4tspuffers (bzw. der Ausgleichskapazit\u00e4t) je </span></div><div class=\"ps33921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konzerneinheit fest. </span></div><div class=\"ps33922 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Modellierung der Liquidit\u00e4tsszenarien erfolgt mittels einer gruppenweiten Methodik, die lokale Spezifika ber\u00fccksichtigt, </span></div><div class=\"ps33923 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sofern diese durch Einflussfaktoren wie das Markt- oder das rechtliche Umfeld oder bestimmte Gesch\u00e4ftsmerkmale </span></div><div class=\"ps33924 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gerechtfertigt sind. Bei der Modellierung von Liquidit\u00e4tszu- und -abfl\u00fcssen wird zumindest zwischen Produkten, </span></div><div class=\"ps33925 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kundensegmenten sowie gegebenenfalls zwischen einzelnen W\u00e4hrungen unterschieden. F\u00fcr Produkte ohne vertragliche </span></div><div class=\"ps33926 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Laufzeit wird die Verteilung der Liquidit\u00e4tszufl\u00fcsse und Abfl\u00fcsse unter Verwendung einer Geometrischen Brownschen </span></div><div class=\"ps33927 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bewegung ermittelt, welche statistische Prognosen zu den zuk\u00fcnftigen Tagessalden von der beobachteten und exponentiell </span></div><div class=\"ps33928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gewichteten historischen Volatilit\u00e4t der entsprechenden Produkte ableitet. F\u00fcr das Szenario einer Marktkrise ist ein spezielles </span></div><div class=\"ps33929 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Modell zur Bewertung des potenziellen Liquidit\u00e4tsabflusses aufgrund von Margin Calls vorhanden. Dieses Modell basiert auf </span></div><div class=\"ps33930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Value-at-Risk-Berechnungen, um den potenziellen Wertverlust von Derivaten, f\u00fcr welche CSA- oder Variation-Margin-</span></div><div class=\"ps33931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Vereinbarungen vorhanden sind, abzusch\u00e4tzen. Durch die Einbeziehung dieses Abflusses in den Liquidit\u00e4tsrisikostresstest wird </span></div><div class=\"ps33932 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ein entsprechender Puffer aufrechterhalten, um potenzielle Margin Calls in extrem ung\u00fcnstigen Situationen zu ber\u00fccksichtigen.</span></div><div class=\"ps33933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Liquidit\u00e4tsrisiko-Rahmenwerk wird kontinuierlich weiterentwickelt. In mehreren Projekten wird die technische Infrastruktur <span class=\"f ps24\"> </span></span></div><div class=\"ps33934 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiter ausgebaut und die Datenverf\u00fcgbarkeit verbessert, um den steigenden regulatorischen und bankinternen </span></div><div class=\"ps33935 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichterstattungs- und Managementanforderungen in diesem Risikobereich gerecht zu werden.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Risikoappetit und Liquidit\u00e4tslimits<span id=\"i1a778cedd26645aeac9f0f7b8e127b58\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Liquidit\u00e4tsposition wird auf Ebene der RBI AG und ihrer Zweigstellen \u00fcberwacht und durch ein umfassendes Limitsystem </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">eingegrenzt. Die Limits werden sowohl im Hinblick auf ein regul\u00e4res Gesch\u00e4ftsumfeld als auch f\u00fcr Stressszenarien festgelegt. </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entsprechend dem definierten Risikoappetit muss jede Einheit in einem schweren, kombinierten Stressszenario (Namens- und </span></div><div class=\"ps901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktstress) eine \u00dcberlebensdauer von einigen Monaten (TTW) aufweisen. Dies l\u00e4sst sich entweder durch ein strukturell </span></div><div class=\"ps902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">positives Liquidit\u00e4tsprofil oder einen ausreichend hohen Liquidit\u00e4tspuffer gew\u00e4hrleisten. In einem regul\u00e4ren Gesch\u00e4ftsumfeld </span></div><div class=\"ps903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(GC) muss die Fristentransformation auf mittlere Sicht vollst\u00e4ndig vom verf\u00fcgbaren Liquidit\u00e4tspuffer abgedeckt werden. Das </span></div><div class=\"ps904 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hei\u00dft, dass die kumulierte Liquidit\u00e4tsposition \u00fcber einen Zeitraum von bis zu einem Jahr positiv sein muss. Auf lange Sicht (ein </span></div><div class=\"ps905 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr und l\u00e4nger) ist die Fristentransformation bis zu einem gewissen Grad gestattet. Diese Grenzwerte bei internen Modellen </span></div><div class=\"ps906 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden durch Limits zur Einhaltung regulatorischer Liquidit\u00e4tsquoten, wie z. B. die Liquidit\u00e4tsdeckungsquote (Liquidity </span></div><div class=\"ps907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Coverage Ratio, LCR), erg\u00e4nzt. Alle Grenzwerte m\u00fcssen t\u00e4glich eingehalten werden.</span></div><div class=\"ps33936 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Liquidit\u00e4ts\u00fcberwachung<span id=\"ie8c8bc8813f44f98a5bf0b8ad378e34a\"></span></span></div><div class=\"ps33937 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bank verwendet eine Reihe ma\u00dfgeschneiderter Messinstrumente und Fr\u00fchwarnindikatoren, die dem Vorstand und der </span></div><div class=\"ps33938 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unternehmensf\u00fchrung zeitnahe und vorausschauende Informationen zur Verf\u00fcgung stellen. Die Einhaltung des </span></div><div class=\"ps33939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsrisiko-Rahmenwerks stellt sicher, dass die Bank ihre Gesch\u00e4ftst\u00e4tigkeit auch unter gro\u00dfem Stress fortf\u00fchren kann.</span></div><div class=\"ps33898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die \u00dcberwachung und die Berichterstattung zur Einhaltung der Limits erfolgt regelm\u00e4\u00dfig und effektiv. Jeder Versto\u00df seitens </span></div><div class=\"ps33899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Konzerneinheiten wird an das Konzern-ALCO berichtet und eskaliert, wo in Absprache mit der betreffenden Einheit </span></div><div class=\"ps33900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">angemessene Schritte unternommen oder strittige Angelegenheiten weiter an die verantwortliche h\u00f6here Instanz eskaliert <span class=\"f ps24\"> </span></span></div><div class=\"ps33901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden.<span class=\"f ps24\"> </span></span></div><div class=\"ps33940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Liquidit\u00e4tsstresstest<span id=\"ic99efe7d95f14586bf6411ea62b149e1\"></span></span></div><div class=\"ps33941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stresstests werden t\u00e4glich f\u00fcr die RBI AG auf Konzernebene durchgef\u00fchrt. Die Tests decken drei Szenarien (Markt-, Namens- </span></div><div class=\"ps33942 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">und kombinierte Krise) ab, ber\u00fccksichtigen die Auswirkungen der Szenarien f\u00fcr einen Zeitraum von mehreren Monaten und </span></div><div class=\"ps33943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verdeutlichen, dass Stressereignisse gleichzeitig zu zeitkritischem Liquidit\u00e4tsbedarf in mehreren W\u00e4hrungen f\u00fchren k\u00f6nnen. Die </span></div><div class=\"ps33944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stressszenarien beziehen die wesentlichen Funding- und Marktliquidit\u00e4tsrisiken ein, alle Einheiten der RBI AG werden einzeln </span></div><div class=\"ps33907 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer ausgepr\u00e4gten kombinierten Krise f\u00fcr all ihre wesentlichen Produkte gleichzeitig unterzogen. Die Ergebnisse der </span></div><div class=\"ps33908 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stresstests werden dem Vorstand und den Mitgliedern der Unternehmensf\u00fchrung w\u00f6chentlich gemeldet, stellen einen </span></div><div class=\"ps33909 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wesentlichen Bestandteil der monatlichen ALCO-Sitzungen dar und flie\u00dfen in die strategische Planung sowie die Notfallplanung </span></div><div class=\"ps33945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Bank ein.</span></div><div class=\"ps33911 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei der Festlegung von Abflussquoten, die auf historischen Daten und Expertenmeinungen basieren, wird ein konservativer <span class=\"f ps24\"> </span></span></div><div class=\"ps33912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ansatz verfolgt: Die Simulation geht von fehlendem Zugang zum Geld- oder Kapitalmarkt sowie gleichzeitig von erheblichen </span></div><div class=\"ps33913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abfl\u00fcssen von Kundeneinlagen aus. In dieser Hinsicht wird auch das Einlagenkonzentrationsrisiko ber\u00fccksichtigt, indem </span></div><div class=\"ps33914 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gro\u00dfkunden sogar noch h\u00f6here Abflussquoten zugewiesen werden. Dar\u00fcber hinaus werden Stressannahmen f\u00fcr die </span></div><div class=\"ps33915 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inanspruchnahme von Garantien und Kreditverbindlichkeiten formuliert. Des Weiteren werden die Liquidit\u00e4tspufferpositionen </span></div><div class=\"ps33916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durch Haircuts angepasst, um das Risiko nachteiliger Marktbewegungen abzudecken, und die potenziellen Abfl\u00fcsse infolge </span></div><div class=\"ps24543 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">besicherter derivativer Gesch\u00e4fte gesch\u00e4tzt. Die Bank kontrolliert kontinuierlich, ob die formulierten Stressannahmen nach wie </span></div><div class=\"ps24544 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor angemessen sind oder neue Risiken ber\u00fccksichtigt werden m\u00fcssen.</span></div><div class=\"ps33919 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Time to Wall Konzept hat sich als Hauptsteuerungsinstrument f\u00fcr das t\u00e4gliche Liquidit\u00e4tsmanagement etabliert und ist </span></div><div class=\"ps33920 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">daher zentraler Bestandteil der Fundingplanung und der Budgetierung. Des Weiteren ist es f\u00fcr die Festlegung von Performance-</span></div><div class=\"ps24547 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kennzahlen im Hinblick auf die Liquidit\u00e4t wesentlich.</span></div><div class=\"ps33946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Liquidit\u00e4tspuffer<span id=\"i851cf3aca0f348fc94662b85d281647f\"></span></span></div><div class=\"ps33947 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wie die t\u00e4glichen Liquidit\u00e4tsrisikoberichte aufzeigen, unterhalten und verwalten die wesentlichen Konzerneinheiten aktiv </span></div><div class=\"ps33948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tspuffer, einschlie\u00dflich erstklassiger liquider Aktiva (High Quality Liquid Assets, HQLA), die stets umfangreich genug </span></div><div class=\"ps33949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sind, um die in Krisenszenarien erwarteten Nettoabfl\u00fcsse abzudecken. Die RBI AG verf\u00fcgt \u00fcber umfangreiche unbelastete und </span></div><div class=\"ps33950 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">liquide Wertpapierbest\u00e4nde und bevorzugt f\u00fcr Tender-Transaktionen der Zentralbank in Frage kommende Papiere, um </span></div><div class=\"ps33951 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausreichend Liquidit\u00e4t in verschiedenen W\u00e4hrungen zu gew\u00e4hrleisten. Die wesentlichen Konzerneinheiten stellen die </span></div><div class=\"ps33952 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgbarkeit von Liquidit\u00e4tspuffern sicher, testen ihre F\u00e4higkeit, Zentralbankmittel in Anspruch zu nehmen, bewerten </span></div><div class=\"ps33953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">durchgehend ihre Sicherheiten Positionen im Hinblick auf deren Marktwert und Belastung und pr\u00fcfen ihre \u00fcbrigen </span></div><div class=\"ps33954 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gegenma\u00dfnahmen, einschlie\u00dflich des Fundingpotenzials und der Liquidierbarkeit der Assets.<span class=\"f ps24\"> </span></span></div><div class=\"ps33955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stressannahmen werden auf alle Positionen im Liquidit\u00e4tspuffer angewendet. Dies spiegelt sich im Stresstest-</span></div><div class=\"ps33956 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsbericht (Time-to-Wall) wider und umfasst sowohl einen Abschlag der Zentralbank als auch eine spezielle </span></div><div class=\"ps33957 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abschreibungsannahme. Der Abschlag der Zentralbank wird f\u00fcr jedes einzelne als Sicherheit zul\u00e4ssige Wertpapier </span></div><div class=\"ps33958 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ber\u00fccksichtigt. Die Abschreibungsannahme wird f\u00fcr das Portfolio der zul\u00e4ssigen Wertpapiere basierend auf historischen </span></div><div class=\"ps33959 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Marktindikatoren modelliert und verringert das Volumen des Liquidit\u00e4tspuffers im Stresstest-Szenario.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Untert\u00e4giges Liquidit\u00e4tsmanagement<span id=\"id760130daacc445cbe81dd303f3c1dc4\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Einklang mit regulatorischen Vorgaben f\u00fcr untert\u00e4giges Liquidit\u00e4tsrisikomanagment wird t\u00e4glich die verf\u00fcgbare Liquidit\u00e4t </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">analog zu den Abflussannahmen des regul\u00e4ren Liquidit\u00e4tsstressberichts (Time-To-Wall) f\u00fcr die RBI AG berechnet. Etwaige </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Limitverletzungen l\u00f6sen einen nach Schweregrad abgestuften Eskalations- und Notfallprozess aus.</span></div><div class=\"ps33961 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Notfall-Funding-Plan<span id=\"i12d67a4c867a4afda58686a4c7a5e5fc\"></span></span></div><div class=\"ps33962 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Unter erschwerten Liquidit\u00e4tsbedingungen gehen die Einheiten zu einer Krisenorganisation \u00fcber, in welcher sie vordefinierte </span></div><div class=\"ps33963 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4tsnotfallpl\u00e4ne verfolgen. Diese Notfallpl\u00e4ne stellen ebenfalls einen Bestandteil des Liquidit\u00e4tsmanagement-Rahmens </span></div><div class=\"ps33964 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dar und sind f\u00fcr alle wesentlichen Konzerneinheiten und somit auch f\u00fcr die RBI AG obligatorisch. Der Notfallmanagement-</span></div><div class=\"ps33965 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozess ist so konzipiert, dass der Konzern selbst in ernsten Krisensituationen eine starke Liquidit\u00e4tsposition beibehalten kann.</span></div><div class=\"ps33966 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Liquidit\u00e4tsposition<span id=\"i4c19c73f6b074999b2ba71a78c4ca87a\"></span></span></div><div class=\"ps33967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Funding gr\u00fcndet sich auf eine starke Einlagenbasis. Der Fundingbedarf wird regelm\u00e4\u00dfig aktualisiert, um die </span></div><div class=\"ps33968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bilanzentwicklung zu ber\u00fccksichtigen und die Einhaltung der Liquidit\u00e4tskennzahlen gem\u00e4\u00df der Steuerungsvorgaben </span></div><div class=\"ps33969 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sicherzustellen. Die F\u00e4higkeit zur Beschaffung von Mitteln wird von Treasury genau \u00fcberwacht und beurteilt.</span></div><div class=\"ps33970 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Liquidit\u00e4ts\u00fcberschuss der RBI AG lag im vergangenen Jahr und bis zum jetzigen Zeitpunkt \u00fcber allen regulatorischen und <span class=\"f ps24\"> </span></span></div><div class=\"ps33971 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">internen Grenzwerten (mit wenigen Ausnahmen im Bereich der internen Sub-Limits). Das Ergebnis des internen Time to Wall </span></div><div class=\"ps33972 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Stresstests macht deutlich, dass die RBI AG die modellierte Stressphase von einigen Monaten selbst ohne die Anwendung von </span></div><div class=\"ps33973 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Notfallma\u00dfnahmen durchgehend \u00fcberstehen w\u00fcrde.<span class=\"f ps24\"> </span></span></div><div class=\"ps33974 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Ergebnisse des Going Concern Szenarios sind in der folgenden Tabelle dargestellt. Sie veranschaulichen den </span></div><div class=\"ps33975 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Liquidit\u00e4ts\u00fcberhang und das Verh\u00e4ltnis von erwarteten Kapitalzufl\u00fcssen und der Ausgleichskapazit\u00e4t zu Kapitalabfl\u00fcssen </span></div><div class=\"ps31949 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(Liquidit\u00e4tsquote) f\u00fcr ausgew\u00e4hlte Laufzeiten auf kumulativer Basis. Die Kapitalfl\u00fcsse basieren auf Annahmen anhand von </span></div><div class=\"ps33976 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Expertenmeinungen, statistischen Analysen und L\u00e4nderbesonderheiten. Diese Berechnung umfasst zudem Sch\u00e4tzungen zur </span></div><div class=\"ps33977 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Best\u00e4ndigkeit von Kundeneinlagen, zu Abfl\u00fcssen von au\u00dferbilanziellen Positionen und zu Marktabschw\u00fcngen bei Positionen, die </span></div><div class=\"ps33978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">in die Ausgleichskapazit\u00e4t einflie\u00dfen. </span></div><div class=\"ps33979 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#fff0a6;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps21593\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss1244\"><div><div class=\"ps31 ss127\"><span class=\"f charStyle-1dbd4d87 ps20220\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Laufzeit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27323\">1 Monat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4159\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps27323\">1 Monat<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4159\">1 Jahr<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Liquidit\u00e4ts\u00fcberhang<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12743\">9.344.507<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps21370\">11.044.396<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps13275\">11.610.973<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps10112\">12.894.391<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Liquidit\u00e4ts-Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26650\"></span><span class=\"ps26650\">122 %</span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18513\"></span><span class=\"ps18513\">114 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps25702\"></span><span class=\"ps25702\">125 %</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18107\"></span><span class=\"ps18107\">116 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33981 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Liquidit\u00e4tsdeckungsquote (Liquidity Coverage Ratio, LCR)<span id=\"i7e4d299e632b4d339dfe1d0993d803e1\"></span></span></div><div class=\"ps33982 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Liquidit\u00e4tsdeckungsquote (Liquidity Coverage Ratio, LCR) erfordert eine kurzfristige Belastbarkeit von Banken. Dabei </span></div><div class=\"ps33983 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">m\u00fcssen Letztere angemessene Best\u00e4nde an unbelasteten erstklassigen liquiden Aktiva (High Quality Liquid Assets, HQLA) </span></div><div class=\"ps33984 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sicherstellen, um potenzielle Abfl\u00fcsse durch Verbindlichkeiten, die in Krisenzeiten anfallen k\u00f6nnen, decken zu k\u00f6nnen. HQLAs <span class=\"f ps24\"> </span></span></div><div class=\"ps33985 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">k\u00f6nnen in Cash umgewandelt werden, um den Liquidit\u00e4tsbedarf im Rahmen eines Liquidit\u00e4tsstressszenarios f\u00fcr mindestens 30 </span></div><div class=\"ps33986 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kalendertage zu decken.</span></div><div class=\"ps33507 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Berechnung der erwarteten Mittelzu- und -abfl\u00fcsse sowie der HQLAs basiert auf regulatorischen Vorgaben. Das </span></div><div class=\"ps33508 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regulatorische LCR Limit betr\u00e4gt 100 Prozent.</span></div><div class=\"ps33988 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps82\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps128\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Durchschnittliche liquide Aktiva<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps7127\">19.353.838<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps16894\">18.836.725<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Netto-Abfl\u00fcsse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps17204\">12.365.957<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87 ps491\">10.522.081<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Zufl\u00fcsse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps18604\">7.290.083<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19613\">10.275.099<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Abfl\u00fcsse<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps809 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps7322\">19.656.040<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps811 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps8333\">20.797.180<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps90 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Liquidity Coverage Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps817 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps33987\"></span><span class=\"ps33987\">157 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps818 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps22204\"></span><span class=\"ps22204\">179 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33990 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Strukturelle Liquidit\u00e4tsquote (Net Stable Funding Ratio, NSFR) <span id=\"i7989e4f59eed4ed18158c6df0c0174fe\"></span></span></div><div class=\"ps33991 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die NSFR wird definiert als das Verh\u00e4ltnis von verf\u00fcgbarer stabiler Refinanzierung zu erforderlicher stabiler Refinanzierung. </span></div><div class=\"ps33992 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verf\u00fcgbare stabile Refinanzierung wird definiert als der Teil von Eigen- und Fremdmitteln, von dem zu erwarten ist, dass er </span></div><div class=\"ps33993 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcber den von der NSFR erfassten Zeithorizont von einem Jahr eine zuverl\u00e4ssige Mittelquelle ist. Die erforderliche stabile </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Refinanzierung einer Bank ist von den Liquidit\u00e4tsmerkmalen und Restlaufzeiten der verschiedenen gehaltenen </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte und der au\u00dferbilanziellen Engagements abh\u00e4ngig.</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ziel der RBI AG ist eine ausgewogene Funding-Position.</span></div><div class=\"ps33996 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps777 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps82\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps779 ss27\"><div><div class=\"ps264 ss26\"><span class=\"f charStyle-1dbd4d87 ps128\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps44 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Erforderliche strukturelle Liquidit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps785 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps19428\">38.332.665<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps787 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps40\">38.090.243<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-375ad3a6 ps30\">Vorhandene strukturelle Liquidit\u00e4t<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps793 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps12476\">44.945.044<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps795 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-375ad3a6 ps130\">44.944.826<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps64 ss1161\"><div><div class=\"ps31 ss1160\"><span class=\"f charStyle-1dbd4d87 ps30\">Net Stable Funding Ratio<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps801 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps33994\"></span><span class=\"ps33994\">117 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps803 ss27\"><div><div class=\"ps31 ss26\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps33995\"></span><span class=\"ps33995\">118 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps33997 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Operationelle Risiken<span id=\"i6b8604f001b84af998a3b02a9659901b\"></span></span></div><div class=\"ps33998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Operationelles Risiko definiert sich als Risiko von Verlusten, die durch die Unangemessenheit oder das Versagen von internen </span></div><div class=\"ps33999 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verfahren, Menschen und Systemen oder durch externe Ereignisse, was unter anderem Rechtsrisiken, Modellrisiken oder Risiken <span class=\"f ps24\"> </span></span></div><div class=\"ps34000 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Informations- und Kommunikationstechnologie (IKT-Risiko), nicht aber strategische Risiken und Reputationsrisiken </span></div><div class=\"ps34001 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einschlie\u00dft, verursacht werden. Innerhalb dieser Risikokategorie werden sowohl interne Risikofaktoren \u2013 z. B. unbefugte </span></div><div class=\"ps34002 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handlungen, Diebstahl und Betrug, verhaltensbedingte Sch\u00e4den, Modellfehler, Abwicklungs- und Prozessfehler, </span></div><div class=\"ps34003 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsunterbrechungen oder Systemausf\u00e4lle \u2013 als auch externe Risikofaktoren einschlie\u00dflich Sachsch\u00e4den und </span></div><div class=\"ps34004 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Betrugsabsichten kontrolliert und gesteuert.</span></div><div class=\"ps34005 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Analyse und Steuerung dieser Risiken erfolgt basierend auf der eigenen historischen Verlustdatensammlung und den </span></div><div class=\"ps34006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ergebnissen der Risikobeurteilung. Analog zu den anderen Risikoarten gilt in der RBI AG auch f\u00fcr das operationelle Risiko das </span></div><div class=\"ps34007 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prinzip der Funktionstrennung in Risikomanagement und \u2011controlling. Dazu werden f\u00fcr jeden Gesch\u00e4ftsbereich Personen als </span></div><div class=\"ps34008 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sogenannte Operational Risk Manager nominiert und geschult. Operational Risk Manager berichten Risikoeinsch\u00e4tzungen, </span></div><div class=\"ps34009 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Schadensf\u00e4lle, Indikatorenwerte und Ma\u00dfnahmen an das zentrale Operational Risk Controlling. Sie werden dabei von Dedicated </span></div><div class=\"ps34010 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Operational Risk Specialists (DORS) unterst\u00fctzt.</span></div><div class=\"ps22341 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Risikocontrolling-Einheiten f\u00fcr operationelles Risiko verantworten das Reporting, die Implementierung des Rahmenwerkes, </span></div><div class=\"ps34011 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Entwicklung der Steuerungsma\u00dfnahmen und die \u00dcberwachung der Einhaltung der Vorgaben. Im Rahmen des j\u00e4hrlichen </span></div><div class=\"ps34012 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomanagementzyklus koordinieren diese auch die Teilnahme der relevanten Second Line of Defence Bereiche (Financial </span></div><div class=\"ps34013 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Crime Management, Compliance, Insurance Management, Informationssicherheit, Physische Sicherheit, BCM, Internes </span></div><div class=\"ps34014 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kontrollsystem, Technology Risk Management) und der gesamten First Line of Defence Ansprechpartner (Operational Risk </span></div><div class=\"ps34015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Manager). </span></div><div class=\"ps34016 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Risikoidentifikation<span id=\"i2a41b235af58454f9c2d45189e698211\"></span></span></div><div class=\"ps34017 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein wesentlicher Schritt in der Steuerung von operationellen Risiken ist die Identifikation und Beurteilung von Risiken, die den </span></div><div class=\"ps34018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fortbestand des Unternehmens gef\u00e4hrden w\u00fcrden (allerdings nur mit sehr geringer Wahrscheinlichkeit eintreten), und anderen </span></div><div class=\"ps34019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bereichen, in denen Verluste h\u00e4ufiger auftreten (allerdings nur mit geringer Schadensh\u00f6he).</span></div><div class=\"ps34020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Beurteilung der operationellen Risiken erfolgt in strukturierter Form nach Kategorien wie Gesch\u00e4ftsprozesse und </span></div><div class=\"ps34021 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ereignistypen durch Risikoassessments. Dar\u00fcber hinaus durchlaufen auch s\u00e4mtliche Neuprodukte ein Risikoassessment. Dabei </span></div><div class=\"ps34022 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird die Auswirkung von wahrscheinlichen Ereignissen mit geringer Verlusth\u00f6he (High Probability/Low Impact) und </span></div><div class=\"ps34023 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unwahrscheinlichen Ereignissen mit gro\u00dfem Verlustpotenzial (Low Probability/High Impact) - bezogen auf einen einj\u00e4hrigen </span></div><div class=\"ps34024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. zehnj\u00e4hrigen Zeithorizont gemessen. Die Low Probability/High Impact-Ereignisse werden mit Szenarien gemessen, dessen </span></div><div class=\"ps34025 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Analyse aufgrund des internen Risikoprofils, Schadenf\u00e4llen oder externen \u00c4nderungen veranlasst werden. Zus\u00e4tzlich werden f\u00fcr </span></div><div class=\"ps34026 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fokusthemen wie ESG, Modellrisiken oder Cyberrisiken Szenarioanalysen \u00fcber die Gruppe vorgegeben.</span></div><div class=\"ps34027 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">\u00dcberwachung<span id=\"i8bbf29659e124476a1a09784f2f4a8d9\"></span></span></div><div class=\"ps34028 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die \u00dcberwachung der operationellen Risiken werden Fr\u00fchwarnindikatoren (Early Warning Indicators) verwendet, die eine </span></div><div class=\"ps34029 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zeitnahe Erkennung und Minderung von Verlusten erm\u00f6glichen. </span></div><div class=\"ps34030 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Erfassung von operationellen Sch\u00e4den erfolgt strukturiert in der zentralen Datenbank Archer (einer gesamthaften Non-</span></div><div class=\"ps34031 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Financial-Risk-Plattform) mit entsprechender Untergliederung nach Gesch\u00e4ftsfeld und Ereignistyp. Neben den Anforderungen <span class=\"f ps24\"> </span></span></div><div class=\"ps34032 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zum internen und externen Reporting dienen die Schadensf\u00e4lle zum Austausch mit internationalen Verlustdatenbanken zur </span></div><div class=\"ps34033 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Weiterentwicklung der eingesetzten Messmethoden sowie zur Weiterverfolgung von Ma\u00dfnahmen und der Kontrolleffektivit\u00e4t. <span class=\"f ps24\"> </span></span></div><div class=\"ps34034 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist seit 2010 Teilnehmer im ORX Datenkonsortium (Operational Riskdata exchange Association), dessen Daten aktuell </span></div><div class=\"ps3402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zu internen Benchmarkzwecken und Analysen sowie auch als Teil des Operational Risk Modells herangezogen werden. Beim </span></div><div class=\"ps3403 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ORX-Datenkonsortium handelt sich es um einen Zusammenschluss von Banken- und Versicherungsgruppen f\u00fcr statistische </span></div><div class=\"ps3404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zwecke. Die Ergebnisse der Analysen sowie Vorf\u00e4lle aus operationellen Risiken werden in umfassender Weise regelm\u00e4\u00dfig dem </span></div><div class=\"ps34035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">relevanten Operational Risk Management Komitee berichtet.</span></div><div class=\"ps897 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Messung und Risikoreduktion<span id=\"i0997a0259e854603b430baf8048c4168\"></span></span></div><div class=\"ps898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zum Jahresende 2025 wurde der Eigenmittelbedarf aufgrund des neuen Ansatzes laut CRR/Basel IV mit dem </span></div><div class=\"ps899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsindikatorkomponenten (BIC) Methode berechnet und unterlegt. Aufgrund der Gr\u00f6\u00dfenordnung des zugrunde liegenden </span></div><div class=\"ps900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsindikators (BI) wird f\u00fcr die RBI AG die relevant Formel f\u00fcr eine mittelgro\u00dfe Bank angewendet. </span></div><div class=\"ps2179 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das \u00f6konomische Kapital basiert auf einem internen Modell mit den Inputfaktoren der externen und internen Schadensf\u00e4lle und </span></div><div class=\"ps2182 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den gruppenweiten Szenarien. Die risikobasierte Steuerung erfolgt mit der Allokation aufgrund der Inputfaktoren der jeweiligen </span></div><div class=\"ps2183 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einheiten und den Betriebsertr\u00e4gen zur Stabilisierung. Die Implementierung dieser hohen qualitativen Standards wurde bereits </span></div><div class=\"ps1398 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch auf einen weiteren Teil der Gruppe ausgerollt.</span></div><div class=\"ps2185 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Um das operationelle Risiko zu reduzieren, werden durch die Gesch\u00e4ftsbereichsleiter vorbeugende Ma\u00dfnahmen zur </span></div><div class=\"ps2188 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikoreduktion und zum Risikotransfer gesetzt und deren Fortschritt und Wirkungsgrad vom Risikocontrolling \u00fcberwacht. </span></div><div class=\"ps2189 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Erstere entwickeln auch Krisenpl\u00e4ne und bestimmen Personen oder Abteilungen, die die notwendigen Ma\u00dfnahmen einleiten, </span></div><div class=\"ps2192 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">falls Schadensf\u00e4lle tats\u00e4chlich eintreten. Weiters unterst\u00fctzen mehrere spezialisierte Organisationseinheiten die </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsbereiche bei der Vermeidung von operationellen Risiken. Eine wesentliche Rolle im Zusammenspiel mit den </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">T\u00e4tigkeiten aus dem operationellen Risiko nehmen das Financial Crime Management und das Technology Risk Management ein. </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Financial Crime Management unterst\u00fctzt bei der Pr\u00e4vention und Identifikation von Betrugsf\u00e4llen. Technology Risk </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Management bildet eine wichtige Rolle im Rahmen der Definition und \u00dcberwachung der IT Risiken. Die RBI AG f\u00fchrt auch laufend </span></div><div class=\"ps32449 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">umfangreiche Mitarbeiter:innenschulungen durch und verf\u00fcgt \u00fcber verschiedenste Notfallpl\u00e4ne und Backup-Systeme. </span></div><div class=\"ps1324 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Verlustdaten aus dem Operationellen Risiko f\u00fcr die RBI AG verteilen sich auf die Basel Risikokategorien wie folgt. Jedoch </span></div><div class=\"ps1325 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">enthalten diese keine Schadenf\u00e4lle, die bereits in den Kreditrisiko R\u00fcckstellungen reflektiert sind:</span></div><div class=\"ps34037 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps3137 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">in \u20ac Tausend<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kunden, Produkte und Gesch\u00e4ftsgepflogenheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12574\">373.904<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17884\"></span><span class=\"ps17884\">99,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps22332\">732.676<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps26274\"></span><span class=\"ps26274\">99,1 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Abwicklung, Vertrieb und Prozessmanagement<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18735\">2.923<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17237\"></span><span class=\"ps17237\">0,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps17460\">5.080<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Externer Betrug<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20180\">633<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps12755\">1.653<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Besch\u00e4ftigungspraxis und Arbeitsplatzsicherheit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20293\">134<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20163\">100<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Technologie und Infrastruktur Ausf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps1071\">50<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps20186\">41<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Katastrophe und \u00f6ffentliche Sicherheit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17610\">377.644<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps17837\">739.549<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps34038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die externe Berichtserstattung zur Berechnung der operationellen Verluste wurde aufgrund des kausalen Zusammenhangs </span></div><div class=\"ps34039 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">2025 wie folgt aggregiert. Eine Gruppe einzelner Ereignisse mit einer zusammenh\u00e4ngenden Ursache wird als ein Ereignis </span></div><div class=\"ps34040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">(\u00fcbergeordnetes Ereignis) gez\u00e4hlt und der Gesamtverlustbetrag der Gruppe (Summe aller Effekte/Buchungen die zur Gruppe </span></div><div class=\"ps34041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geh\u00f6ren) wird dem \u00fcbergeordneten Ereignis zugeordnet.</span></div><div class=\"ps34042 ss0\"><div class=\"ss7 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps12 ss1311\"><div><div class=\"ps3137 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Anzahl operationeller Verluste<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps10671 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps4113\">31.12.2025<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7422 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4114 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps4115\">31.12.2024<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4116 ss288\"><div><div class=\"ps3137 ss129\"><span class=\"f charStyle-1dbd4d87 ps26246\">Anteil<span class=\"f ps24\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps44 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Externer Betrug<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23215 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18505\">351<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps23005 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17407\"></span><span class=\"ps17407\">45,8 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4118 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4117\">940<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4120 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps17472\"></span><span class=\"ps17472\">76,9 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps51 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Abwicklung, Vertrieb und Prozessmanagement<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23744 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps4117\">406<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22173 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18029\"></span><span class=\"ps18029\">53,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18519\">272<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps9449\"></span><span class=\"ps9449\">22,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps64 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Kunden, Produkte und Gesch\u00e4ftsgepflogenheiten<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23746 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22174 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps18470\"></span><span class=\"ps18470\">0,7 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18454\">5<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps19407\"></span><span class=\"ps19407\">0,4 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps77 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Technologie und Infrastruktur Ausf\u00e4lle<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23747 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22175 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps23748\">3<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps90 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Besch\u00e4ftigungspraxis und Arbeitsplatzsicherheit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23749 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22176 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20166\"></span><span class=\"ps20166\">0,3 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18464\">2<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps20035\"></span><span class=\"ps20035\">0,2 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps102 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-375ad3a6 ps30\">Katastrophe und \u00f6ffentliche Sicherheit<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24166 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fff0a6;border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22177 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6 ps18427\">0<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-375ad3a6\"><span class=\"ps10764\"></span><span class=\"ps10764\">0,0 %<span style=\"display:inline-block;height:4.56pt;width:0.32pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps115 ss1311\"><div><div class=\"ps31 ss1309\"><span class=\"f charStyle-1dbd4d87 ps30\">Gesamt<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps24168 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26768\">766<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7209 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4141 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87 ps26336\">1.222<span class=\"f ps24\"> </span></span></div></div></div></td><td style=\"background-color:#fee600;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4143 ss288\"><div><div class=\"ps31 ss129\"><span class=\"f charStyle-1dbd4d87\"><span class=\"ps13446\"></span><span class=\"ps13446\">100,0 %</span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-5ce759ba ps27\">Internes Kontroll- und <span id=\"ia3b9d89f81404bbb98245d8b23956b11\"></span></span><div class=\"ps912 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Risikomanagementsystem im </span></div><div class=\"ps2239 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Hinblick auf den </span></div><div class=\"ps2240 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-5ce759ba ps17\">Rechnungslegungsprozess</span></div><div class=\"ps34043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Einleitung<span id=\"i259d3cf729224cdaafc2d3057df57d50\"></span></span></div><div class=\"ps34044 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr die RBI AG ist die Einrichtung und Ausgestaltung eines angemessenen internen Kontroll- und Risikomanagementsystems im </span></div><div class=\"ps34045 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hinblick auf den Rechnungslegungsprozess von wesentlicher Bedeutung. Die dem Bereich Group Accounting zugeordnete </span></div><div class=\"ps34046 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abteilung Finance Services Banking, welche im CFO-Bereich angesiedelt ist, erstellt und koordiniert den Jahresabschluss f\u00fcr die </span></div><div class=\"ps34047 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">RBI AG. Die Auslandszweigstellen liefern Abschl\u00fcsse an die Zentrale. F\u00fcr die Erstellung sind diese, unter Ber\u00fccksichtigung des </span></div><div class=\"ps34048 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">geltenden UGB/BWG Bilanzierungshandbuchs der RBI AG, selbst verantwortlich.</span></div><div class=\"ps23939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basis f\u00fcr die Erstellung des Jahresabschlusses sind die einschl\u00e4gigen \u00f6sterreichischen Gesetze, allen voran das \u00f6sterreichische <span class=\"f ps24\"> </span></span></div><div class=\"ps23940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bankwesengesetz (BWG) sowie das Unternehmensgesetzbuch (UGB), in dem die Aufstellung eines Jahresabschlusses geregelt <span class=\"f ps24\"> </span></span></div><div class=\"ps23941 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wird.</span></div><div class=\"ps34049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der RBI AG wird das Hauptbuch in SAP S4 HANA gef\u00fchrt. Das Kernbanksystem GEBOS erf\u00fcllt wesentliche </span></div><div class=\"ps34050 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nebenbuchfunktionen, wie die Kredit- und Einlagenabwicklung sowie den Zahlungsverkehr. Zus\u00e4tzlich zu GEBOS gibt es weitere </span></div><div class=\"ps34051 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Nebenb\u00fccher, wie insbesondere:</span></div><div class=\"ps34052 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Wall Street Systems und Murex (Treasury-Gesch\u00e4fte) </span></div><div class=\"ps34015 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">GEOS und GEOS Nostro (Wertpapierabwicklung und Nostro-Wertpapier-Verwaltung)</span></div><div class=\"ps34053 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">VEGA (Certficates- und Equity-Trading)</span></div><div class=\"ps34054 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Zahlungsverkehr (Auslandszahlungsverkehr und Bundesdatentr\u00e4ger)</span></div><div class=\"ps34055 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Trade Finance (Garantien und Akkreditivgesch\u00e4fte)</span></div><div class=\"ps34056 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">SERNOVA (b\u00f6rsengehandelte Wertpapier-Derivate)</span></div><div class=\"ps34057 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">ARTS/SE4 (Repo- und Leihegesch\u00e4ft)</span></div><div class=\"ps34058 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">SAP-Nebenb\u00fccher (Debitoren/Kreditoren/Anlagebuchhaltung)</span></div><div class=\"ps34059 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">FineVare (Risikovorsorgen)</span></div><div class=\"ps34060 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Cognos Controller f\u00fcr die Erstellung eines konsolidierten Abschlusses der RBI AG inkl. Zweigstellen</span></div><div class=\"ps34061 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Rechnungslegungsprozess l\u00e4sst sich wie folgt darstellen:</span></div><div class=\"ps28772 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Buchhaltung </span></div><div class=\"ps15018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Erfassung der Gesch\u00e4ftsf\u00e4lle f\u00fcr die laufende Buchhaltung erfolgt gr\u00f6\u00dftenteils in den jeweilig integrierten Nebenb\u00fcchern. </span></div><div class=\"ps15019 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die buchungsrelevanten Daten werden systemtechnisch automatisiert direkt in das Hauptbuch \u00fcbernommen. Dar\u00fcber hinaus </span></div><div class=\"ps15020 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden einzelne Buchungen direkt im Hauptbuch SAP erfasst. </span></div><div class=\"ps34062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Hauptbuch in SAP verf\u00fcgt \u00fcber eine Multi-GAAP Funktionalit\u00e4t, das bedeutet, es werden zwei gleichwertige parallele </span></div><div class=\"ps34063 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Hauptb\u00fccher (Ledger) in SAP gef\u00fchrt: eines gem\u00e4\u00df UGB/BWG-Rechnungslegungsvorschriften sowie parallel dazu eines nach </span></div><div class=\"ps32900 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">IFRS. Es gibt einen operativen Kontenplan f\u00fcr beide Hauptb\u00fccher (Ledger), alle Buchungen erfolgen abh\u00e4ngig vom jeweiligen </span></div><div class=\"ps32901 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Inhalt entweder gleichzeitig in beiden Hauptb\u00fcchern (Ledger) oder in nur einem von beiden. Durch die Parallelit\u00e4t der </span></div><div class=\"ps32902 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Buchungen und der Parallelexistenz beider Hauptb\u00fccher (Ledger) er\u00fcbrigen sich \u00dcberleitungsbuchungen von UGB/BWG auf IFRS.</span></div><div class=\"ps32903 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Einzelabschluss RBI Zentrale nach UGB/BWG</span></div><div class=\"ps34064 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die SAP-Rohbilanz nach UGB/BWG ergibt sich aus den, \u00fcber automatisierte Schnittstellen angelieferten, Buchungsdaten der </span></div><div class=\"ps34065 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jeweiligen Subsysteme der Bankgesch\u00e4fte sowie des Weiteren aus erg\u00e4nzenden ledger-spezifischen Abschlussbuchungen, </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welche direkt in SAP, unabh\u00e4ngig von den jeweiligen Subsystemen, vorgenommen werden. Die Summe all dieser Daten ergibt </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Bilanz sowie Gewinn- und Verlustrechnung nach UGB/BWG f\u00fcr die RBI Zentrale ohne Ber\u00fccksichtigung der Zweigstellen.</span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Einzelabschluss der RBI AG</span></div><div class=\"ps5024 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Basierend auf den vorangegangenen Schritten wird der Abschluss der RBI AG nach UGB/BWG erstellt. Dieser umfasst die </span></div><div class=\"ps2410 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zentrale sowie die Zweigstellen. Sowohl die Daten der Zweigstellen als auch die Abschlussdaten der Zentrale werden durch </span></div><div class=\"ps2411 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">automatisierte \u00dcbertragung aus den Vorsystemen im Konsolidierungssystem IBM Cognos Controller verf\u00fcgbar gemacht. Dort </span></div><div class=\"ps2412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erfolgt die Datenkonsolidierung und darauf aufbauend die Erstellung des Einzelabschlusses der RBI AG.</span></div><div class=\"ps34067 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Kontrollumfeld<span id=\"i3898d35d545c4889b9fd98441cc60d37\"></span></span></div><div class=\"ps3615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In der Group Internal Law Database sind s\u00e4mtliche gruppeninterne Anweisungen abrufbar. Bez\u00fcglich der Rechnungslegung ist </span></div><div class=\"ps3616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vor allem das Group Accounts Manual zu erw\u00e4hnen, welches insbesondere eine Beschreibung folgender Punkte beinhaltet:</span></div><div class=\"ps12245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Buchungsregeln f\u00fcr allgemeine und spezielle Gesch\u00e4fte</span></div><div class=\"ps34068 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Bewertungsmethoden</span></div><div class=\"ps34069 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fbc4e99e ps2252\">\u00b7<span class=\"f ps24\"> </span></span><span class=\"f charStyle-9eccfdcb ps2253\">Erforderliche (quantitative) Anhangangaben </span></div><div class=\"ps34070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus gibt es auch Richtlinien, die ausschlie\u00dflich die RBI AG betreffen bzw. nur abteilungsinterne Aufgaben regeln. F\u00fcr </span></div><div class=\"ps34071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Rechnungslegung gelten beispielsweise die Richtlinien der Corporate Directive - Accounting Guidelines, die den </span></div><div class=\"ps34072 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anweisungsprozess f\u00fcr die Begleichung von Eingangsrechnungen, f\u00fcr Kostenrefundierungen oder die F\u00fchrung von </span></div><div class=\"ps34073 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verrechnungskonten regeln. Regelungen im Zusammenhang mit der Buchhaltung und Bilanzierung im Rahmen des </span></div><div class=\"ps34074 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Einzelabschlusses nach UGB/BWG sind im Bilanzierungshandbuch UGB/BWG festgehalten.</span></div><div class=\"ps34075 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Risikobeurteilung<span id=\"i677964cefb884186ba5326e7a44957f4\"></span></span></div><div class=\"ps34076 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Bewertung des Risikos einer fehlerhaften Finanzberichterstattung basiert auf unterschiedlichen Kriterien unter </span></div><div class=\"ps34077 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ber\u00fccksichtigung entsprechender Eskalationsmechanismen. Bewertungen von komplexen Finanzinstrumenten k\u00f6nnen zu einem </span></div><div class=\"ps34078 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erh\u00f6hten Fehlerrisiko f\u00fchren. Weiters m\u00fcssen f\u00fcr die Erstellung des Jahresabschlusses die Aktiv- und Passivposten bewertet <span class=\"f ps24\"> </span></span></div><div class=\"ps34079 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">werden, wobei insbesondere durch die Beurteilung der Werthaltigkeit von Forderungen, Wertpapieren und Beteiligungen, </span></div><div class=\"ps34080 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">welche auf Sch\u00e4tzungen zuk\u00fcnftiger Entwicklungen basieren, ein Risiko besteht.</span></div><div class=\"ps34081 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Kontrollma\u00dfnahmen<span id=\"i861c210b48fa4b85be9b9c68bf2b90d2\"></span></span></div><div class=\"ps34082 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Kontrollma\u00dfnahmen umfassen vielf\u00e4ltige Abstimmprozesse, allen voran der Abgleich zwischen dem Hauptbuch in SAP und </span></div><div class=\"ps34083 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">den Nebenb\u00fcchern. Neben dem 4-Augen-Prinzip sind automationsgest\u00fctzte Kontrollen sowie vom Risikogehalt abh\u00e4ngige </span></div><div class=\"ps34084 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcberwachungsinstrumente im Einsatz, wie beispielsweise die Ergebnisabstimmung zwischen Accounting und Balance Sheet <span class=\"f ps24\"> </span></span></div><div class=\"ps34085 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risk Management. Die den einzelnen Stellen zugeteilten Aufgabengebiete sind schriftlich dokumentiert und werden laufend </span></div><div class=\"ps34086 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aktualisiert. Besonderen Wert wird auf eine funktionierende Stellvertreter:innenregelung gelegt, um die Terminerf\u00fcllungen bei </span></div><div class=\"ps34087 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ausfall einer Person nicht zu gef\u00e4hrden. Bedeutsam f\u00fcr den Abschlussprozess sind die Kontrollen in den Kernprozessen. Dabei </span></div><div class=\"ps34088 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">handelt es sich vorwiegend um bewertungsrelevante Prozesse, deren Resultate einen wesentlichen Einfluss auf den Abschluss </span></div><div class=\"ps34089 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">haben (z. B. Kreditrisikovorsorgen, derivative Produkte, Beteiligungen, Personalr\u00fcckstellungen, Marktrisiko). </span></div><div class=\"ps34090 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Der Jahresabschluss samt Lagebericht wird im Pr\u00fcfungsausschuss des Aufsichtsrates behandelt, dar\u00fcber hinaus wird er gem. </span></div><div class=\"ps34091 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00a7 96(4) AktG im Aufsichtsrat gebilligt und festgestellt. Er wird \u00fcber die elektronische Verlautbarungs- und <span class=\"f ps24\"> </span></span></div><div class=\"ps34092 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Informationsplattform (EVI) ver\u00f6ffentlicht und im Firmenbuch hinterlegt.</span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Information und Kommunikation<span id=\"iad9dd9f6e7fb4b3eb62508094c0bf81a\"></span></span></div><div class=\"ps1433 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Mit den Fachabteilungen werden laufend Informationen hinsichtlich Buchung und Bilanzierung der jeweiligen Produkte </span></div><div class=\"ps2275 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ausgetauscht. So finden mit den Bereichen Capital Markets sowie Treasury monatliche Jour-Fixe Termine statt, wo unter </span></div><div class=\"ps2276 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anderem auch die Bilanzierung komplexer Produkte abgehandelt wird. Auch in regelm\u00e4\u00dfigen Jour-Fixe Terminen im Rahmen <span class=\"f ps24\"> </span></span></div><div class=\"ps2277 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">des Produkteinf\u00fchrungsprozesses sind Bilanzierungsexperten f\u00fcr Bankprodukte vertreten, um \u00fcber rechnungswesen-<span class=\"f ps24\"> </span></span></div><div class=\"ps2278 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">spezifische Aspekte bzw. Implikationen bei Produktneueinf\u00fchrungen Auskunft zu geben. Durch regelm\u00e4\u00dfige abteilungsinterne </span></div><div class=\"ps2279 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Termine wird sichergestellt, dass die Mitarbeiter:innen laufend \u00fcber Neuerungen im Bereich der Rechnungslegung nach UGB/</span></div><div class=\"ps2280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">BWG und IFRS geschult werden.</span></div><div class=\"ps33378 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Zuge der Berichtserstellung erh\u00e4lt der Vorstand monatlich und quartalsweise Berichte, in denen das Ergebnis der RBI AG </span></div><div class=\"ps33379 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">analysiert wird. Auch der Aufsichtsrat wird in seinen Sitzungsterminen tourlich \u00fcber das Ergebnis informiert.</span></div><div class=\"ps34094 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ver\u00f6ffentlicht ihren Jahresabschluss auf j\u00e4hrlicher Basis, eine externe Zwischenberichterstattung erfolgt dar\u00fcber </span></div><div class=\"ps34095 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">hinaus quartalsweise f\u00fcr das Konzernergebnis der RBI. Neben dem Konzernabschluss werden auch ein Halbjahresfinanzbericht </span></div><div class=\"ps25894 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bzw. quartalsweise Zwischenberichte f\u00fcr den Konzern ver\u00f6ffentlicht. Dar\u00fcber hinaus gibt es laufende regulatorische </span></div><div class=\"ps33380 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Berichtspflichten an die Bankenaufsicht. </span></div><div class=\"ps34096 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">\u00dcberwachung<span id=\"i655ef8454b094dcd88201f9c96e93820\"></span></span></div><div class=\"ps34097 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Finanzberichterstattung ist ein Schwerpunktthema im IKS, in dem die Rechnungslegungsprozesse einer zus\u00e4tzlichen </span></div><div class=\"ps34098 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00dcberwachung und Kontrolle unterzogen werden und deren Ergebnisse dem Vorstand und dem Aufsichtsrat vorgelegt werden. </span></div><div class=\"ps34099 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dar\u00fcber hinaus hat der Pr\u00fcfungsausschuss den Rechnungslegungsprozess zu \u00fcberwachen. Die Verantwortung f\u00fcr die <span class=\"f ps24\"> </span></span></div><div class=\"ps34100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">unternehmensweite fortlaufende \u00dcberwachung obliegt dem Vorstand. Gem\u00e4\u00df Zielbetriebsmodell bestehen drei <span class=\"f ps24\"> </span></span></div><div class=\"ps33674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verteidigungslinien (lines of defence), um den erh\u00f6hten Anforderungen an die internen Kontrollsysteme gerecht zu werden. </span></div><div class=\"ps34101 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die erste Verteidigungslinie bilden dabei die Fachbereiche, in der die Abteilungsleiter:innen f\u00fcr die \u00dcberwachung ihrer </span></div><div class=\"ps34102 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Gesch\u00e4ftsfelder zust\u00e4ndig sind. Hier werden gem\u00e4\u00df den dokumentierten Prozessen in regelm\u00e4\u00dfigen Abst\u00e4nden Kontrollen und </span></div><div class=\"ps33677 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Plausibilisierungen vorgenommen. </span></div><div class=\"ps34103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die zweite Verteidigungslinie wird durch themenspezifische Spezialbereiche abgedeckt. Das sind zum Beispiel Compliance, Data </span></div><div class=\"ps34104 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Quality Governance, Operational Risk Controlling oder Security &amp; Business Continuity Management. Sie sollen in erster Linie die </span></div><div class=\"ps34105 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fachbereiche bei den Kontrollschritten unterst\u00fctzen, die tats\u00e4chlichen Kontrollen validieren und State-of-the-art-Praktiken in </span></div><div class=\"ps34106 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Organisation einbringen.</span></div><div class=\"ps8340 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Als dritte Verteidigungslinie ist die interne Revision in den \u00dcberwachungsprozess involviert. Die Revisionsfunktion wird dabei </span></div><div class=\"ps34107 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vom Bereich Group Internal Audit der RBI AG wahrgenommen. F\u00fcr s\u00e4mtliche Revisionsaktivit\u00e4ten gelten die konzernweit </span></div><div class=\"ps34108 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verbindlichen revisionsspezifischen Regelwerke (Group Audit Standards), die auf den Mindeststandards f\u00fcr die interne Revision <span class=\"f ps24\"> </span></span></div><div class=\"ps34109 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der \u00d6sterreichischen Finanzmarktaufsicht sowie internationalen Best Practices basieren. Zus\u00e4tzlich gelten die internen </span></div><div class=\"ps34110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Regelungen des Bereichs Audit (insbesondere auch die Audit Charter). Die Konzernrevision \u00fcberpr\u00fcft unabh\u00e4ngig und </span></div><div class=\"ps34111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">regelm\u00e4\u00dfig die Einhaltung der internen Vorschriften in den Konzerneinheiten der RBI. Die Leitung des Bereichs Group Internal </span></div><div class=\"ps34112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Audit berichtet direkt an die Vorst\u00e4nde. </span></div><span class=\"f charStyle-5ce759ba ps27\">Ausblick<span id=\"iac52ed409f1f446584734175eede8805\"></span></span><div class=\"ps2609 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Konjunkturaussichten<span id=\"i2e76f6c519154bd5ad6cd22f9a0e3484\"></span></span></div><div class=\"ps2610 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr 2026 wird in der Eurozone eine leichte Beschleunigung der konjunkturellen Entwicklung erwartet. Sowohl auf Branchen-, als </span></div><div class=\"ps2611 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auch auf L\u00e4nderebene ist dabei mit einem etwas ausgeglicheneren Wachstum zu rechnen: Die Industrie d\u00fcrfte aus der </span></div><div class=\"ps2612 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rezession herausfinden und damit zu den Dienstleistungen etwas aufschlie\u00dfen. Die Unterschiede zwischen den L\u00e4ndern sollten </span></div><div class=\"ps2613 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ebenfalls abnehmen, wobei \u00d6sterreich auch 2026 zu den Schlusslichtern der Eurozone geh\u00f6ren d\u00fcrfte. W\u00e4hrend US\u2011Z\u00f6lle die </span></div><div class=\"ps2614 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Exporte d\u00e4mpfen, unterst\u00fctzen h\u00f6here Verteidigungsausgaben, deutsche Infrastrukturinvestitionen und die letzten </span></div><div class=\"ps2615 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">EZB\u2011Zinssenkungen die Konjunktur. W\u00e4hrend die EZB den Einlagesatz konstant halten sollte, d\u00fcrfte die US-Fed die Zinsen weiter </span></div><div class=\"ps2616 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">senken. Es besteht das Risiko, dass die US-Notenbank aus politischen Motiven etwas \u00fcber das Ziel hinausschie\u00dft. </span></div><div class=\"ps2617 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Handelsbarrieren sollten auch 2026 den Welthandel belasten, eine Eskalation handelspolitischer Konflikte wird gleichwohl nicht </span></div><div class=\"ps2618 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet. Trotz anf\u00e4nglicher Hoffnungen, die durch Trumps Friedensbestrebungen zu Beginn seiner Pr\u00e4sidentschaft geweckt </span></div><div class=\"ps2619 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wurden, bleibt ein baldiges Ende des Ukrainekriegs unwahrscheinlich. Russland scheint auf Zeit zu spielen, w\u00e4hrend sich die </span></div><div class=\"ps2620 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">negativen Folgen der Sanktionen zunehmend bemerkbar machen. Generell bleibt das geopolitische Umfeld herausfordernd, </span></div><div class=\"ps2621 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">was sich in einer h\u00f6heren Prognoseunsicherheit niederschl\u00e4gt. </span></div><div class=\"ps2623 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In </span><span class=\"f charStyle-283ba53a ps747\">Zentraleuropa (CE) </span><span class=\"f charStyle-9eccfdcb ps2622\">wird 2026 eine leichte Beschleunigung des Wachstumstempos erwartet. Die fiskalische Konsolidierung in </span></div><div class=\"ps2624 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ungarn, Polen und der Slowakei stellen in dieser Hinsicht jedoch ein Risiko dar und d\u00fcrften sich als zentrale Themen des </span></div><div class=\"ps2625 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">laufenden Jahres erweisen. Ein robuster Arbeitsmarkt und anhaltend starkes Lohnwachstum (wenn auch auf niedrigerem </span></div><div class=\"ps2626 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Niveau) sind weiterhin positive Faktoren f\u00fcr den Konsum. W\u00e4hrend das geopolitische Umfeld herausfordernd bleiben d\u00fcrfte, </span></div><div class=\"ps2627 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bestehen Hoffnungen auf Impulse durch das deutsche Investitionspaket sowie die EU-Verteidigungsausgaben, die auch auf </span></div><div class=\"ps2628 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fiskalischer Seite f\u00fcr Entlastung sorgen k\u00f6nnten. EU-Fonds bleiben 2026 \u2013 mit Ausnahme Ungarns \u2013 eine treibende Kraft f\u00fcr </span></div><div class=\"ps2629 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investitionen. Wachstumsf\u00fchrer d\u00fcrfte den Prognosen zufolge Polen bleiben, das von der versp\u00e4teten Auszahlung von EU-</span></div><div class=\"ps2630 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Fonds profitiert. Tschechien d\u00fcrfte sich weiterhin resilient zeigen, wohingegen die Slowakei und Ungarn mit den meisten </span></div><div class=\"ps2631 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abw\u00e4rtsrisiken konfrontiert sind.</span></div><div class=\"ps2632 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">In </span><span class=\"f charStyle-283ba53a ps747\">S\u00fcdosteuropa (SEE)</span><span class=\"f charStyle-9eccfdcb ps748\"> d\u00fcrfte das Wachstum 2026 in den meisten L\u00e4ndern solide bleiben. Es sollte vor allem vom Konsum </span></div><div class=\"ps2633 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getragen werden, der durch robustes Lohnwachstum in angespannten Arbeitsm\u00e4rkten gest\u00fctzt wird, sowie von Investitionen, </span></div><div class=\"ps2634 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die teilweise im Zuge der EU-Westbalkan-Erweiterung erfolgen. Rum\u00e4nien wird voraussichtlich aufgrund der l\u00e4ngst \u00fcberf\u00e4lligen </span></div><div class=\"ps2635 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fiskalischen Konsolidierung weiterhin das Schlusslicht in der Region sein. F\u00fcr Serbien sanken zuletzt zwar die Sanktionsrisiken, </span></div><div class=\"ps2636 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">jedoch f\u00fchren die Unsicherheit durch m\u00f6gliche Neuwahlen und das politische Umfeld zu Abw\u00e4rtsrisiken f\u00fcr das </span></div><div class=\"ps2637 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">investitionsgetriebene Wachstumsmodell.</span></div><div class=\"ps2640 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Anhaltende Angriffe auf zivile Ziele und die Energieinfrastruktur stellen die </span><span class=\"f charStyle-283ba53a ps2638\">Ukraine</span><span class=\"f charStyle-9eccfdcb ps2639\"> vor erhebliche Herausforderungen. Hinzu </span></div><div class=\"ps2641 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kommt, dass die wechselnde Unterst\u00fctzungsbereitschaft der USA weiterhin ein Risiko darstellen sollte. Dennoch d\u00fcrfte die </span></div><div class=\"ps2642 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirtschaft auch im f\u00fcnften Jahr des Krieges resilient bleiben. Der laufende Wiederaufbau sowie die Anpassungsf\u00e4higkeit der </span></div><div class=\"ps2643 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">ukrainischen Wirtschaft sollten fortbestehen. Dazu kommen Impulse durch die Kriegswirtschaft sowie Unterst\u00fctzung f\u00fcr den </span></div><div class=\"ps2644 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Konsum durch steigende L\u00f6hne aufgrund angespannter Arbeitsm\u00e4rkte. </span></div><div class=\"ps2647 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das Abk\u00fchlen der </span><span class=\"f charStyle-283ba53a ps2645\">russischen Wirtschaft</span><span class=\"f charStyle-9eccfdcb ps2646\"> d\u00fcrfte sich 2026 fortsetzen und Russland auf einem niedrigen Wachstumspfad </span></div><div class=\"ps2648 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">verharren lassen. Zus\u00e4tzliche Sanktionen durch Trump und mehr Druck auf Importeure russischen \u00d6ls stellen ein Abw\u00e4rtsrisiko </span></div><div class=\"ps2649 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">dar. Dennoch wird weiterhin ein Soft-Landing-Szenario f\u00fcr die russische Wirtschaft unterstellt. Die abnehmende Inflation sollte </span></div><div class=\"ps2650 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">der Zentralbank Spielraum f\u00fcr Zinssenkungen verschaffen.</span></div><div class=\"ps2652 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die </span><span class=\"f charStyle-283ba53a ps718\">\u00f6sterreichische Konjunktur</span><span class=\"f charStyle-9eccfdcb ps2651\"> d\u00fcrfte 2026 das Wachstumstempo etwas beschleunigen, mit erwarteten 1,0 Prozent sollte die </span></div><div class=\"ps2653 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Dynamik gleichwohl weiterhin schw\u00e4cher ausfallen als in der Eurozone. Impulse sind vom privaten Konsum zu erwarten, </span></div><div class=\"ps2654 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">w\u00e4hrend von den Investitionen nur wenig Unterst\u00fctzung unterstellt wird. F\u00fcr die Industrie wird ein moderates Expansionstempo </span></div><div class=\"ps2655 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">erwartet, wobei die in den Vorjahren deutlich gesunkene preisliche Wettbewerbsf\u00e4higkeit das Tempo bremsen d\u00fcrfte. F\u00fcr den </span></div><div class=\"ps2656 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bausektor kann dagegen eine Fortsetzung der Rezession nicht ausgeschlossen werden. Es wird erwartet, dass die Inflation </span></div><div class=\"ps2657 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">merklich niedriger ausf\u00e4llt als im Vorjahr, da inflationserh\u00f6hende Basiseffekte im Energiebereich aus dem Vorjahresvergleich </span></div><div class=\"ps2658 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">herausfallen.</span></div><div class=\"ps2659 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Bankensektor \u00d6sterreich<span id=\"i6d203f2c8802495d9bed768fe50bee56\"></span></span></div><div class=\"ps2660 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Das gesunkene Zinsniveau hinterlie\u00df im Jahr 2025 sowohl beim Kreditwachstum als auch hinsichtlich der Rentabilit\u00e4t der </span></div><div class=\"ps2661 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Bankinstitute seine Spuren. Positive Nachfrage im Segment der privaten Wohnbaukredite \u00fcber das gesamte </span></div><div class=\"ps2662 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahr 2025 sowie eine steigende Nachfrage im Unternehmenssegment zum Jahresende, lassen f\u00fcr das Jahr 2026 eine teilweise </span></div><div class=\"ps2663 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">fortschreitende Erholung der Kreditvergabe erwarten. Dabei ist von einem positiveren Wachstum (p. a.) im Bereich der privaten </span></div><div class=\"ps2664 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wohnbaukredite auszugehen, w\u00e4hrend die Wachstumsraten (p. a.) im Unternehmenssegment, vor dem Hintergrund des </span></div><div class=\"ps2665 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gesamtwirtschaftlich erwarteten Wachstums, weiterhin ged\u00e4mpft bleiben d\u00fcrften. </span></div><div class=\"ps756 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">W\u00e4hrend die Kreditportfolien im Bereich Haushalte (inkl. Wohnbau) weiterhin eine sehr solide Performance (NPL-Ratio) erwarten </span></div><div class=\"ps757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">lassen, bleiben die Unternehmenskreditportfolien mit ihrer Aktivaqualit\u00e4t nach wie vor ein Fokus des Bankensektors. Vor allem </span></div><div class=\"ps758 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die Unternehmenskreditsegmente im Bereich gewerbliche Immobilien sowie KMUs d\u00fcrften auch im Jahr 2026 f\u00fcr erh\u00f6hte </span></div><div class=\"ps1784 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikokosten verantwortlich zeichnen. Das erwartete Zinsniveau k\u00f6nnte im Verlauf des Jahres 2026 f\u00fcr mehr Margen- und </span></div><div class=\"ps1785 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Kostendruck sorgen und so gemeinsam mit den erw\u00e4hnten Risikokosten die Rentabilit\u00e4t beeinflussen. Nichtsdestotrotz sollte </span></div><div class=\"ps1786 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">die allgemein steilere Zinskurve Letztere unterst\u00fctzen. In Summe sieht sich der \u00f6sterreichische Bankensektor fundamental </span></div><div class=\"ps2567 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">solide aufgestellt, um die anstehenden Herausforderungen zu meistern. </span></div><div class=\"ps2667 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Bankensektor CEE<span id=\"ice7bf58f89c543aa905d6142bfef652e\"></span></span></div><div class=\"ps1399 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein solider Trend des privaten Konsums und stabilisierte Zinss\u00e4tze sollten sich positiv auf das Retail-Kreditgesch\u00e4ft auswirken, </span></div><div class=\"ps1400 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">obwohl eine gewisse Wachstumsabschw\u00e4chung von dem bereits h\u00f6heren Niveau im Jahr 2025 zu sehen sein d\u00fcrfte. Dabei </span></div><div class=\"ps1401 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">sollte auch das Potenzial f\u00fcr zus\u00e4tzliche makroprudenzielle Versch\u00e4rfungen (wie etwa zus\u00e4tzliche Kapitalpuffer oder </span></div><div class=\"ps1404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">kreditnehmerbezogene Ma\u00dfnahmen) ber\u00fccksichtigt werden, da die Zentralbanken m\u00f6glicherweise darauf abzielen, eine </span></div><div class=\"ps2668 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00fcberm\u00e4\u00dfige Kreditexpansion in einigen Produkten zu begrenzen. Beispielsweise f\u00fchrte der positive Trend bei </span></div><div class=\"ps2669 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wohnungsbaudarlehen bereits zu einem Anstieg der Wohnimmobilienpreise (in gr\u00f6\u00dferem Ma\u00dfe in Ungarn, Kroatien, der </span></div><div class=\"ps2670 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Slowakei und Tschechien), was sich 2026 sowohl nominal als auch real fortsetzen k\u00f6nnte. Im Unternehmenssegment sollte eine </span></div><div class=\"ps2671 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">gewisse Unterst\u00fctzung f\u00fcr die Kreditvolumina aus der erwarteten moderaten Erholung bei Investitionen resultieren. Diese </span></div><div class=\"ps2672 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">wiederum sollte aus dem fortlaufenden Zufluss von EU-Fonds und potenziellen positiven Spillover-Effekten aus dem </span></div><div class=\"ps2673 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Investitionspaket Deutschlands resultieren. In diesem Zusammenhang wird voraussichtlich Polen mit einem nahezu </span></div><div class=\"ps2674 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">zweistelligen Wachstum der Unternehmenskredite besonders positiv herausragen. Den gr\u00f6\u00dferen CE-/SEE-M\u00e4rkten d\u00fcrften </span></div><div class=\"ps2675 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">l\u00e4nderspezifische Risiken (vor allem in Ungarn und Rum\u00e4nien) einem breiteren Aufholprozess entgegenstehen, die auch den </span></div><div class=\"ps2676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Trend der Asset-Qualit\u00e4t definieren werden. Stabilisieren d\u00fcrften sich 2026 die Nettozinsmargen mit positiven Effekten auf die </span></div><div class=\"ps2677 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ertragssituation, w\u00e4hrend die Banken auf der Aufwandsseite weiterhin mit den Folgen der Inflation und speziellen </span></div><div class=\"ps2678 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bankensteuern, einschlie\u00dflich der vorgesehenen Erh\u00f6hungen in Polen, Ungarn und Rum\u00e4nien, zu k\u00e4mpfen haben werden.</span></div><div class=\"ps2679 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fe543dea ps17\">Ausblick der RBI AG f\u00fcr 2026<span id=\"i229353ba46824d3287efb74ee79a7e21\"></span></span></div><div class=\"ps2680 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG geht davon aus, dass es im Jahr 2026 bezogen auf die Hauptw\u00e4hrungen EUR und USD zu einer unterschiedlichen </span></div><div class=\"ps34114 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Entwicklung des Zinsumfelds kommen wird. F\u00fcr die Eurozone wird f\u00fcr den Zeitraum 2026 bis 2028 von einer stabilen </span></div><div class=\"ps34115 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsentwicklung auf dem Niveau von Ende 2025 ausgegangen. F\u00fcr den USD-Raum wird erwartet, dass sich der generelle <span class=\"f ps24\"> </span></span></div><div class=\"ps34116 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Abw\u00e4rtstrend im Jahr 2026 weiter fortsetzt und die Zinss\u00e4tze danach bis inklusive 2028 einen flachen Verlauf nehmen werden. </span></div><div class=\"ps34117 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">F\u00fcr 2026 wird ein Wirtschaftswachstum von 1,5 Prozent f\u00fcr die Eurozone und von 1,0 Prozent f\u00fcr \u00d6sterreich erwartet. Diese </span></div><div class=\"ps34118 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wachstumsraten werden sich f\u00fcr die Eurozone in den Jahren 2027 und 2028 voraussichtlich leicht verbessern, w\u00e4hrend sie f\u00fcr </span></div><div class=\"ps34119 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00d6sterreich bei 1,0 Prozent verbleiben. Bezogen auf die Inflation wird sowohl f\u00fcr die Eurozone als auch f\u00fcr \u00d6sterreich von einem </span></div><div class=\"ps34120 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">weiteren R\u00fcckgang ausgegangen.</span></div><div class=\"ps28110 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im Firmenkundengesch\u00e4ft wird erwartet, dass die Zinsen im Euroraum 2026 wie oben erw\u00e4hnt generell stabil bleiben, die </span></div><div class=\"ps28111 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zinsmarge im Einlagengesch\u00e4ft aber leicht zur\u00fcckgehen wird. Bei den Firmenkrediten wird von einer stabilen </span></div><div class=\"ps28112 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Margenentwicklung ausgegangen. </span></div><div class=\"ps34121 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Ein erwartetes leichtes Wachstum des durchschnittlichen Kundenkreditvolumens sollte sich positiv auf die Zinsertr\u00e4ge </span></div><div class=\"ps34122 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auswirken. Auch bezogen auf den Provisions\u00fcberschuss geht die RBI AG, gest\u00fctzt von einer st\u00e4rkeren Kundennachfrage und </span></div><div class=\"ps25916 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Intensivierung der Cross-Selling Aktivit\u00e4ten, von einem moderaten Wachstum bis 2028 aus.</span></div><div class=\"ps33320 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bei den Betriebsausgaben wird eine unter der Inflationsrate liegende Basisentwicklung angestrebt. Dar\u00fcber hinaus wird von </span></div><div class=\"ps33321 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer verhaltenen Investitionst\u00e4tigkeit ausgegangen.</span></div><div class=\"ps33441 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die Risikokosten basieren auf erwarteten Verlustniveaus, makro\u00f6konomischen Annahmen und den Prognosen der </span></div><div class=\"ps34123 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risikomodelle. Das Sanktions- und Compliance-Risiko f\u00fcr Russland wird bei allen Transaktionen genau \u00fcberwacht, wobei das </span></div><div class=\"ps33324 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Russland-bezogene grenz\u00fcberschreitende Gesch\u00e4ftsvolumen voraussichtlich weiter abnehmen wird.</span></div><div class=\"ps33444 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Bezogen auf die im Zusammenhang mit in Polen vergebenen Fremdw\u00e4hrungskrediten gebildeten Vorsorgen geht die RBI AG </span></div><div class=\"ps33445 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">aufgrund einer Abnahme der Anzahl der gerichtsanh\u00e4ngigen F\u00e4lle von einem deutlichen R\u00fcckgang im Jahr 2026 und von einem </span></div><div class=\"ps33446 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">anhaltend r\u00fcckl\u00e4ufigen Trend auch f\u00fcr 2027 und 2028 aus. </span></div><div class=\"ps34124 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-27958eee ps17\">Russland<span id=\"iecdb5278e24144fe944201ba767606ce\"></span></span></div><div class=\"ps34125 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI AG ist zu 100 Prozent direkt an der AO Raiffeisenbank, Moskau beteiligt. Wesentliche Ereignisse des Gesch\u00e4ftsjahres mit <span class=\"f ps24\"> </span></span></div><div class=\"ps34126 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirkung auf den Ausblick auf k\u00fcnftige Perioden in diesem Zusammenhang werden im Folgenden dargestellt. </span></div><div class=\"ps3103 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Gesch\u00e4ftsabbau<span id=\"iac75239f2f6142ad808e1a921390d45e\"></span></span></div><div class=\"ps3354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Die RBI setzte den Abbau ihres Gesch\u00e4fts in Russland fort. Seit Kriegsbeginn wurde das Kreditvolumen in lokaler W\u00e4hrung um 60 </span></div><div class=\"ps34128 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent reduziert, das Einlagenvolumen nahm um 40 Prozent ab. Ebenso wurde der Zahlungsverkehr stark eingeschr\u00e4nkt: </span></div><div class=\"ps34129 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zahlungsverkehr aus Russland heraus wird nur in einem geringen Umfang angeboten. Die AO Raiffeisenbank zahlt keine Zinsen </span></div><div class=\"ps34130 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">auf Kundeneinlagen, um sie so niedrig wie m\u00f6glich zu halten. Gleichzeitig ist die AO Raiffeisenbank dazu verpflichtet, Liquidit\u00e4t </span></div><div class=\"ps34131 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">bei der russischen Zentralbank zum Leitzinssatz (2025 waren dies durchschnittlich 19 Prozent) zu veranlagen, was f\u00fcr \u00fcber 70 </span></div><div class=\"ps34132 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Prozent des Zins\u00fcberschusses in Russland verantwortlich war.\u00a0 </span></div><div class=\"ps34133 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9f31b4c2 ps17\">Rasperia<span id=\"i113817cb86f346aabaea9627f6a9b6ca\"></span></span></div><div class=\"ps34134 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Im J\u00e4nner 2025 wurden STRABAG SE und deren \u00f6sterreichische Kernaktion\u00e4re vom Schiedsgericht in der Region Kaliningrad zu </span></div><div class=\"ps34135 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">einer Schadenersatzzahlung in H\u00f6he von \u20ac 2.044 Millionen verurteilt, die in die Verm\u00f6genswerte der AO Raiffeisenbank </span></div><div class=\"ps34136 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">vollstreckt werden kann. Der der Rasperia Trading Limited (Rasperia) zugesprochene Schadenersatz in H\u00f6he von rund \u20ac 2.109 </span></div><div class=\"ps34137 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Millionen (inklusive Zinsen) wurde im ersten Halbjahr vom Korrespondenzkonto der AO Raiffeisenbank durch die russische </span></div><div class=\"ps34138 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Zentralbank abgezogen und f\u00fchrte zu einem Aufwand in H\u00f6he von \u20ac 1.269 Millionen (inklusive Zinsen) sowie zum Verbrauch der </span></div><div class=\"ps34139 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">im Vorjahr gebildeten R\u00fcckstellung in H\u00f6he von \u20ac 840 Millionen. </span></div><div class=\"ps34140 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Am 18. Dezember 2025 verk\u00fcndete das Schiedsgericht der Region Kaliningrad sein Urteil in einem zweiten Rechtsstreit von </span></div><div class=\"ps34141 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Rasperia gegen STRABAG SE und deren \u00f6sterreichische Kernaktion\u00e4re. Das Gericht entschied, dass STRABAG SE und ihre </span></div><div class=\"ps34142 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">\u00f6sterreichischen Kernaktion\u00e4re verpflichtet sind, an Rasperia \u20ac 339 Millionen zu zahlen und dass das Urteil in die </span></div><div class=\"ps20921 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Verm\u00f6genswerte von AO Raiffeisenbank vollstreckt werden kann. Gegen dieses Urteil wurde Berufung mit aufschiebender </span></div><div class=\"ps34143 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wirkung eingelegt. Die AO Raiffeisenbank buchte im Dezember 2025 eine R\u00fcckstellung in H\u00f6he von \u20ac 339 Millionen.</span></div><div class=\"ps30242 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">Erkl\u00e4rung der <span id=\"i40d49c3f596b411ba38eb814f5a4865c\"></span></span></div><div class=\"ps30243 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">gesetzlichen Vertreter </span></div><div class=\"ps30245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">gem\u00e4\u00df \u00a7 124 Abs 1 Z 3 </span></div><div class=\"ps30421 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-efa4c41b ps17\">B\u00f6rseG 2018</span></div><div class=\"ps34147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Wir best\u00e4tigen nach bestem Wissen, dass der im Einklang mit den ma\u00dfgeblichen Rechnungslegungsstandards aufgestellte </span></div><div class=\"ps34148 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Jahresabschluss ein m\u00f6glichst getreues Bild der Verm\u00f6gens-, Finanz- und Ertragslage des Unternehmens vermittelt, dass der </span></div><div class=\"ps34149 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Lagebericht den Gesch\u00e4ftsverlauf, das Gesch\u00e4ftsergebnis und die Lage des Unternehmens so darstellt, dass ein m\u00f6glichst </span></div><div class=\"ps34150 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">getreues Bild der Verm\u00f6gens-, Finanz- und Ertragslage des Unternehmens entsteht, und dass der Lagebericht die wesentlichen </span></div><div class=\"ps34151 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps17\">Risiken und Ungewissheiten beschreibt, denen das Unternehmen ausgesetzt ist. </span></div><div class=\"ps34152 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30214\">S</span><span class=\"f charStyle-9eccfdcb ps30259\">igniert von:</span></div><div class=\"ps34153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30261\"> Wien, am </span><span class=\"f charStyle-9eccfdcb ps30262\">17. Februar 2026</span></div><div class=\"ps34154 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-9eccfdcb ps30220\">Der Vorstand</span></div><div class=\"ps34156 ss0\"><div class=\"ss1512 ws0 ps519\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:221.25pt\"></td><td style=\"padding:0;width:221.25pt\"></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps12 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20956\">Dr. Johann Strobl e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps24023\">Vorsitzender des Vorstands, CEO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps5429 ss1511\"><div><div class=\"ps30229 ss1510\"><span class=\"f charStyle-7627a8a6 ps30228\">Mag. Marie-Valerie Brunner e.h.</span></div><div class=\"ps30230 ss1510\"><span class=\"f charStyle-7627a8a6 ps23769\"> Mitglied des Vorstands, CIB Customer Coverage und </span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps30231\">CIB Products &amp; Solutions</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps30232 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps18774\">Mag. Andreas Gschwenter e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps20083\">Mitglied des Vorstands, COO/CIO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30233 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps22200\">Kamila Makhmudova, LL.M. MBA e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps808\">Mitglied des Vorstands, CFO</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"padding:0\"><div class=\"ps11755 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps20560\">Dr. Hannes M\u00f6senbacher e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps28357\">Mitglied des Vorstands, CRO</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps30234 ss1511\"><div><div class=\"ps30226 ss1510\"><span class=\"f charStyle-7627a8a6 ps28167\">Dr. Andrii Stepanenko e.h.</span></div><div class=\"ps30227 ss1510\"><span class=\"f charStyle-7627a8a6 ps12626\">Mitglied des Vorstands, Retail Banking</span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfConsolidatedAndSeparateFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-557": {
   "value": "1.1",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "f-558": {
   "value": "1.6",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "f-559": {
   "value": "525000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:9ZHRYM6F437SQJ6OUG95",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fn-1": {
   "value": "<div class=\"ps359 ss621\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-073efae3 ps30\">1 In der Vergleichsperiode setzte sich der Posten Ergebnis aus aufgegebenen Gesch\u00e4ftsbereichen aus dem Entkonsolidierungsergebnis und dem laufenden Ergebnis der belarussischen Konzerneinheiten </span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-073efae3 ps30\">zusammnen.</span></div></div></div>",
   "dimensions": {
    "concept": "xbrl:note",
    "noteId": "fn-1",
    "language": "de"
   }
  },
  "fn-3": {
   "value": "<div class=\"ps6933 ss621\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-073efae3 ps30\">2 Der negative Nettobetrag aus der Ver\u00e4u\u00dferung von Tochterunternehmen im Vorjahr resultierte aus dem Verkaufspreis von \u20ac 215 Millionen abz\u00fcglich der ver\u00e4u\u00dferten Zahlungsmittel und </span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-073efae3 ps30\">Zahlungsmittel\u00e4quivalenten in H\u00f6he von \u20ac 1.177 Millionen.</span></div></div></div>",
   "dimensions": {
    "concept": "xbrl:note",
    "noteId": "fn-3",
    "language": "de"
   }
  },
  "fn-2": {
   "value": "<div class=\"ps5262 ss621\"><div><div class=\"ps5906 ss7\"><span class=\"f charStyle-2babd150 ps30\">1 Sonstige Anpassungen (per Saldo) enth\u00e4lt im Wesentlichen den Abzug des Zins\u00fcberschusses und der Dividendenertr\u00e4ge, die entsprechenden Zahlungsfl\u00fcsse sind unter dem Posten erhaltene Zinsen, <span class=\"f ps24\"> </span></span></div><div class=\"ps5907 ss7\"><span class=\"f charStyle-2babd150 ps30\">gezahlte Zinsen und erhaltene Dividenden dargestellt.</span></div></div></div>",
   "dimensions": {
    "concept": "xbrl:note",
    "noteId": "fn-2",
    "language": "de"
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 }
}